Terms and Conditions

1. Acceptance of Terms

By creating an account, accessing our website, or using any part of the Binnacrest AI service, you confirm that you have read, understood, and agree to be bound by these Terms, along with our Privacy Policy. We may update these Terms from time to time, and continued use of the service after changes take effect constitutes acceptance of the revised Terms.

2. Description of Service

Binnacrest AI provides data analysis and portfolio-related tools and recommendations intended to assist independent professionals in Australia with reviewing and optimising their financial or business information. The service is provided on an "as is" and "as available" basis, and we do not guarantee that it will be uninterrupted, error-free, or suitable for any particular purpose.

3. Eligibility and Account Registration

You must be at least 18 years old and capable of entering into a legally binding agreement to use our services. When you register for an account, you agree to provide accurate, current, and complete information and to keep this information up to date. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

4. Acceptable Use

You agree to use the Binnacrest AI service only for lawful purposes and in accordance with these Terms. You must not:

• Use the service in any way that violates applicable local, state, national, or international law;
• Attempt to gain unauthorised access to any part of the service, other accounts, or related systems;
• Reverse engineer, decompile, or otherwise attempt to extract the source code of any software associated with the service;
• Use automated means, such as bots or scrapers, to access or collect data from the service without our prior written consent;
• Upload or transmit any material that is unlawful, harmful, or infringes on the rights of others.

5. No Financial Advice

Any recommendations, analyses, or outputs generated through the Binnacrest AI service are provided for general informational purposes only and should not be construed as personalised financial, investment, tax, or legal advice. You should seek independent professional advice appropriate to your own circumstances before making any decisions based on information obtained through our service.

6. Intellectual Property

All content, software, design elements, trademarks, and other materials associated with Binnacrest AI are the property of Binnacrest AI or its licensors and are protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in our intellectual property except for a limited, non-exclusive, non-transferable licence to use the service in accordance with these Terms.

7. Fees and Payment

Certain features of the service may be offered free of charge, while others may require payment of fees. Where applicable, fees, billing cycles, and payment terms will be presented to you at the point of purchase or subscription. All fees are non-refundable except as required by applicable law or as otherwise stated at the time of purchase.

8. Termination

We reserve the right to suspend or terminate your access to the service, with or without notice, if we reasonably believe you have violated these Terms or engaged in conduct that may harm Binnacrest AI, other users, or third parties. You may also terminate your account at any time by discontinuing use of the service and, where applicable, following any account closure procedures we make available.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Binnacrest AI and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill arising from or related to your use of, or inability to use, the service, even if we have been advised of the possibility of such damages. Nothing in these Terms is intended to exclude or limit any consumer guarantees or rights that cannot be lawfully excluded under applicable consumer protection law.

10. Disclaimer of Warranties

The service is provided without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will meet your requirements or that any errors will be corrected.

11. Indemnification

You agree to indemnify and hold harmless Binnacrest AI and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of or related to your use of the service, your violation of these Terms, or your infringement of any rights of a third party.

12. Third-Party Links and Services

Our service may contain links to third-party websites or integrate with third-party services that are not owned or controlled by Binnacrest AI. We are not responsible for the content, privacy practices, or terms of any third-party sites or services, and your interactions with such third parties are solely between you and them.

13. Changes to the Service

We reserve the right to modify, suspend, or discontinue any part of the service at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the service.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Binnacrest AI operates, without regard to conflict of law principles. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in that jurisdiction, unless otherwise required by applicable law.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us on the service, constitute the entire agreement between you and Binnacrest AI concerning your use of the service, superseding any prior agreements between you and Binnacrest AI relating to the subject matter herein.

17. Contact Information

If you have any questions about these Terms, please contact us through the details provided on our Contact page.