Terms of Service — Norquay AI Advisory

1. Acceptance of terms

By creating an account or using the Norquay AI Advisory platform (the "Service"), you agree to these Terms of Service on behalf of yourself and the business you represent. If you don't agree, don't use the Service.

2. The Service

Norquay AI Advisory is a subscription SaaS platform providing AI-assisted business tools (finance, marketing, customer service, and related skills) to small and medium businesses. Available features and limits depend on your subscription tier.

3. Accounts

• You must provide accurate information when creating an account.
• Each individual user on your team must have their own login — shared credentials across your team are not permitted.
• You're responsible for activity under your account and for keeping your login credentials secure.
• You must be authorized to bind the business you're signing up on behalf of.

4. Subscriptions, billing, and cancellation

• Subscriptions are billed on a recurring basis (monthly or annual, per the plan you select) through Stripe.
• Auto-renewal: your subscription renews automatically at the end of each billing period unless canceled. We will provide advance notice before a renewal charge.
• Cancellation: you may cancel your subscription at any time from within your account settings. Cancelling is at least as easy as signing up.
• Refunds: We offer a 30-day money-back guarantee on your initial purchase — if you're not satisfied within 30 days of your first payment, contact us for a full refund. This guarantee applies to the initial purchase only, not subsequent renewals.
• Failure to pay may result in suspension or termination of your account after reasonable notice.

5. Your data and content

You retain ownership of the business data, customer information, and content you enter into the Service ("Client Data"). You grant us a limited license to process Client Data solely to provide the Service to you (including sending relevant data to our AI provider and other subprocessors as described in our Privacy Policy). We do not use your Client Data to train AI models, for our own marketing, or for any purpose other than operating the Service for you. You're responsible for having the right to submit any Client Data you upload, including your customers' information.

6. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose, or to process data you don't have the right to process.
• Attempt to access another tenant's data, bypass rate limiting or security controls, or interfere with the Service's operation.
• Reverse-engineer, resell, or white-label the Service without our written agreement.
• Upload malicious files or content designed to exploit the platform.

7. Intellectual property

The Service, its software, and its branding are owned by Norquay AI Advisory. These terms don't grant you any ownership in the Service itself — only the right to use it under your subscription.

8. Disclaimers

The Service is provided "as is." AI-generated output (recommendations, drafts, analysis) is a tool to assist your business decisions, not a substitute for professional judgment — you're responsible for reviewing and verifying anything the Service produces before relying on it, especially for financial, legal, or tax matters.

9. Limitation of liability

To the maximum extent permitted by law, Norquay AI Advisory's liability arising from your use of the Service is limited to the amount you paid for the Service in the 12 months preceding the claim. We are not liable for indirect, incidental, or consequential damages.

10. Termination

We may suspend or terminate your account for a material breach of these terms (including a security violation or non-payment), with notice where practical. You may terminate by canceling your subscription at any time.

11. Changes to these terms

We may update these terms from time to time. Material changes will be communicated to active subscribers before taking effect.

12. Governing law

These terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein.

13. Contact

Questions about these terms: hello@norquayaiadvisory.ca