Terms of Service

By accessing or using Nuvora's website, applications, and services (collectively, the "Platform"), you ("User") accept and agree to comply with these Terms of Service ("Terms"). If you do not accept these Terms, you must immediately stop using the Platform.

Nuvora Technology Pty Ltd ("Nuvora", "we", "our", or "us") provides a proprietary PropTech Software as a Service (SaaS) platform designed to assess financial, compliance, and operational risks associated with property developers in the Australian construction market. Our Platform delivers tools and insights such as the Developer Risk Scorecard, which grades developers from A (lowest risk) to F (highest risk), based on publicly available data sourced primarily from regulatory authorities like ASIC and QBCC.

To access the full functionality of our Platform, you must create an account. During registration, you agree to provide accurate and complete information and to keep this information current. You must maintain the confidentiality of your account credentials and are solely responsible for all activities conducted through your account. Notify Nuvora immediately if you become aware of unauthorized access or use of your account.

Certain Platform features may require payment through a subscription model. Pricing, fees, and payment terms will be clearly outlined at the point of subscription. Fees are payable monthly or annually in advance and processed securely via a trusted third-party payment provider. Payments are non-refundable except as explicitly indicated in these Terms.

You agree to use the Platform lawfully, ethically, and responsibly. You must not:

• Use the Platform for fraudulent or illegal activities;
• Attempt to compromise Platform security or integrity;
• Copy, redistribute, or commercially exploit Platform data without explicit permission;
• Misrepresent your identity or affiliation in your use of the Platform.

All intellectual property rights related to the Platform, including software, scoring methodologies, algorithms, data compilations, trademarks, logos, text, graphics, and documentation, remain exclusively owned by Nuvora. You are granted a non-exclusive, non-transferable, revocable license to access and use the Platform solely for the intended purpose of assessing property developer risks and related services.

Our Developer Risk Scorecard provides a proprietary risk grading based on analysis of publicly available data sources and Nuvora's algorithms. The Scorecard is intended to inform and support decision-making but does not constitute financial, legal, or investment advice. Users must perform independent due diligence and not rely exclusively on our Scorecard in making contractual or financial commitments.

Nuvora uses data from third-party regulatory and governmental agencies such as ASIC and QBCC. While we make every effort to ensure accuracy and timeliness, we do not guarantee or warrant that this third-party data is error-free, complete, or current. You acknowledge these limitations and agree Nuvora is not responsible for inaccuracies arising from third-party sources.

To the fullest extent permitted by law, Nuvora will not be liable for indirect, incidental, special, consequential, punitive, or exemplary damages arising from or related to your use or inability to use our Platform or reliance on the information it provides. Our maximum liability in relation to any claim made by you is limited to the total subscription fees you have paid in the six months immediately preceding the claim.

The Platform and its services are provided "as is" and "as available," without warranties or conditions of any kind, either express or implied. Nuvora explicitly disclaims any implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

You agree to indemnify, defend, and hold harmless Nuvora, its directors, employees, agents, and contractors against all claims, liabilities, losses, damages, and expenses (including legal fees) arising from your breach of these Terms or your misuse of the Platform.

Nuvora reserves the right, in our sole discretion, to terminate or suspend your access to the Platform at any time, without notice, if you breach these Terms, fail to make required payments, or engage in any fraudulent or inappropriate activities.

Your privacy is important to us. Our Privacy Policy, available separately, explains how we handle your personal information and protect your privacy when using the Platform. By using the Platform, you agree to the terms outlined in our Privacy Policy.

These Terms are governed by the laws of Queensland, Australia. You consent to the exclusive jurisdiction of the courts located in Queensland for resolving any disputes arising from or relating to these Terms.

Nuvora reserves the right to modify these Terms at any time. We will notify users of significant changes by email or prominent notice on the Platform. Your continued use of the Platform after notification constitutes your acceptance of the revised Terms.

If any provision of these Terms is held by a court of competent jurisdiction to be invalid or unenforceable, that provision will be removed or modified to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

These Terms constitute the entire agreement between you and Nuvora regarding your use of the Platform, superseding any previous agreements, arrangements, or understandings between us.

You may not transfer or assign any rights or obligations under these Terms without Nuvora's prior written consent. Nuvora may freely assign our rights and obligations under these Terms in connection with any merger, acquisition, restructuring, or sale of assets.

Nuvora will not be held liable for any delay or failure to perform obligations under these Terms if the delay or failure arises from circumstances beyond our reasonable control, including natural disasters, war, civil unrest, strikes, pandemics, or technical failures.

Our failure to enforce any right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing to be effective.

Nothing in these Terms shall constitute or be deemed to constitute a partnership, joint venture, agency, employment, or fiduciary relationship between you and Nuvora.

All notices from Nuvora to you will be provided via email or through the Platform. Notices sent to Nuvora must be provided via email or postal mail to the contact information below.

For any questions or concerns regarding these Terms or our Platform, please contact us:

Nuvora Technology Pty Ltd
Email: nuvora.io@gmail.com
Postal Address: PO Box 958, Coorparoo 4151 QLD

By accessing or using Nuvora's Platform, you acknowledge that you have read, understood, and agreed to be bound by these Terms of Service. Thank you for choosing Nuvora.