Terms of Service
Last updated: August 2025
1. Acceptance of Terms
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.
2. Description of Services
The Trustee for the Nuvora Trust (ABN: 42 497 822 402), with Corporate Trustee Nuvora Technology Pty Ltd (ACN: 688 957 351) ("Nuvora", "we", "our", or "us") provides a proprietary PropTech Software as a Service (SaaS) platform designed to compile financial, compliance, and operational information about property developers in the Australian construction market. Our Platform delivers intelligence reports and compiled information based on publicly available data sourced primarily from regulatory authorities like ASIC and QBCC.
3. Account Registration and Security
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.
4. Fees and Payment
4.1 Payment Structure
Nuvora offers intelligence reports on a one-time payment basis. Current pricing includes:
- Standard Intelligence Reports: $129 AUD
- Specialized Intelligence Reports: $179 AUD
- Builder Due Diligence Essentials Pack: $369 AUD
New users receive one (1) free standard report (freemium offer). All payments are processed securely via Stripe, our trusted third-party payment provider. We do not store your payment information.
4.2 Payment Processing
Payment must be completed before report generation begins. We accept major credit and debit cards. All prices are in Australian Dollars (AUD) and include applicable taxes. Payments are processed immediately upon successful checkout.
4.3 Refund Policy
Due to the digital nature of our reports and immediate delivery upon completion:
- Refunds are available within 24 hours of payment if the report has not been delivered
- No refunds are provided after report delivery, except in cases of technical error or failure to deliver the promised service
- Disputed transactions will be handled through Stripe's dispute resolution process
- Refund requests must be submitted via email to our support team
4.4 Failed Payments
If a payment is declined, fails, or is disputed, no report will be generated or delivered until payment is successfully completed. Multiple failed payment attempts may result in temporary account restrictions.
5. Digital Product Delivery
5.1 Report Delivery
Intelligence reports are digital products delivered as downloadable PDF files through your user dashboard. Reports are typically generated within 24-48 hours of payment confirmation, though complex reports may require additional time.
5.2 Download Access
Download links are valid for 7 days from generation and can be renewed by requesting a new link through your dashboard. You may download your reports multiple times within this period. No physical delivery is provided - all reports are digital only.
5.3 Technical Issues
If you experience technical difficulties accessing or downloading your report, contact our support team within 7 days of report completion. We will address technical delivery issues within 24 hours of notification.
5.4 Report Usage Rights
Reports are licensed for your internal business use only. You may not redistribute, resell, or commercially exploit the reports without explicit written permission from Nuvora. The underlying company data remains the property of the respective entities and regulatory authorities.
6. User Obligations
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.
6. Intellectual Property Rights
All intellectual property rights related to the Platform, including software, research 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 researching property developer information and related services.
7. Intelligence Reports and Risk Information
Our intelligence reports provide comprehensive risk information and insights based on compilation of publicly available data sources and Nuvora's proprietary research methodologies. These reports are intended to inform and support decision-making but do not constitute financial, legal, or investment advice. Users must perform independent due diligence and not rely exclusively on our reports in making contractual or financial commitments.
8. Third-Party Data Sources and Accuracy
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.
9. Limitation of Liability
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.
10. Disclaimer of Warranties
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.
11. Indemnification
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.
12. Termination and Suspension
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.
13. Privacy and Data Protection
13.1 Privacy Policy
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.
13.2 Payment Data Handling
Payment information is processed by Stripe, our PCI DSS compliant payment processor. We do not store your credit card details on our servers. Payment metadata (such as transaction IDs and amounts) is retained for business records and tax compliance purposes.
13.3 Australian Privacy Act Compliance
We handle personal information in accordance with the Australian Privacy Act 1988. You have the right to access, correct, or request deletion of your personal data. For privacy-related requests, please contact our support team.
13.4 Data Retention
Account data is retained while your account is active plus 7 years for business records. Payment records are retained for 7 years to comply with Australian tax requirements. Report data may be retained permanently as business records.
14. Governing Law and Jurisdiction
14.1 Governing Law
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.
14.2 Dispute Resolution
Initial disputes should be addressed through our customer support team via email. For unresolved matters:
- Payment disputes may be escalated through Stripe's dispute resolution process
- Commercial disputes may be referred to the Australian Commercial Disputes Centre
- Small claims matters under $10,000 AUD may be pursued through appropriate small claims courts
- Consumer purchases may be subject to Australian Consumer Law protections
15. Service Levels and Consumer Rights
15.1 Service Levels
While we strive to provide reliable service, we make no guarantees regarding:
- Platform availability (target: 99% uptime)
- Report generation timeframes (typical: 24-48 hours)
- Customer support response times (target: 24 hours for payment issues)
15.2 Australian Consumer Law
For purchases by consumers (as defined under Australian Consumer Law), certain consumer guarantees cannot be excluded, including guarantees that services will be provided with due care and skill. These Terms do not limit rights that cannot be excluded under Australian Consumer Law.
15.3 Business vs Consumer Purchases
Different terms may apply depending on whether you are purchasing as a consumer or for business purposes. Business purchases are governed primarily by these contractual terms, while consumer purchases may have additional protections under Australian Consumer Law.
16. Changes to Terms of Service
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.
16. Severability
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.
17. Entire Agreement
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.
18. Assignment
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.
19. Force Majeure
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.
20. No Waiver
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.
21. Relationship of Parties
Nothing in these Terms shall constitute or be deemed to constitute a partnership, joint venture, agency, employment, or fiduciary relationship between you and Nuvora.
22. Notices
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.
23. Contact Information
For any questions or concerns regarding these Terms or our Platform, please contact us:
The Trustee for the Nuvora Trust
ABN: 42 497 822 402
Corporate Trustee: Nuvora Technology Pty Ltd (ACN: 688 957 351)
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.