Terms of Service

These Terms of Service ("Terms") form a binding agreement between you ("you", "your") and NOSCERA ("we", "us", "our") governing your access to and use of the NOSCERA platform — including the website, web application, application programming interfaces, and any related services (collectively, the "Service").

By creating an account, connecting a data source, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you must not use the Service.

If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms, and "you" refers to both you individually and that organisation.

• Organisation — a workspace you create in NOSCERA that represents a business or practice. An Organisation may have multiple members and roles.
• Member — an individual invited to an Organisation with a defined role and set of permissions.
• Financial Data — accounting, banking, transaction, and related records imported into NOSCERA from a connected source or manual upload.
• Engines — NOSCERA's seven analytical layers: Guardian, Replay, Atlas, Beacon, Forge, Pulse, and Tax.
• Intelligence Assistant — the conversational feature that interprets questions about your financial data and general financial concepts.
• Plan — the subscription tier your Organisation is enrolled in (Free, Pro, Team, Accountant, or Enterprise).

NOSCERA is structured around Organisations. When you create an Organisation, you become its first Owner. You may invite others as Members and assign roles — Owner, Administrator, Accountant, Manager, Editor, Viewer, or Read-Only — each with a defined set of permissions.

Your responsibility for members. As an Owner or Administrator, you are responsible for the Members you invite and the roles you assign. You agree to manage access responsibly and to remove Members who no longer require access. Activity performed by a Member within your Organisation is attributable to that Organisation.

Multiple businesses. A single account may belong to multiple Organisations — for example, an accountant managing several client businesses. Each Organisation is independent: its data, settings, billing, and members are scoped to it.

You agree not to, and not to permit others to:

• Use the Service for any unlawful, fraudulent, or deceptive purpose;
• Upload or import data that you do not have the right or authority to access and import;
• Attempt to access, probe, or disrupt the Service's systems, accounts, or data beyond what your role permits;
• Reverse-engineer, decompile, disassemble, or otherwise attempt to derive the source code, internal structure, models, weights, thresholds, scoring formulae, classification logic, prompt templates, or underlying ideas of any part of the Service — including by inspecting network traffic, client bundles, or any output of the Engines or Intelligence Assistant;
• Use any automated tool, scraper, crawler, probe, or systematic method to extract, harvest, copy, or cache content, data, models, or outputs from the Service, except to the limited extent permitted for your own Financial Data;
• Use outputs of the Engines or Intelligence Assistant — including match scores, risk priorities, forecasts, or classifications — to train, fine-tune, benchmark, or develop any competing product, model, or service;
• Use the Intelligence Assistant or any Engine output as a substitute for professional accounting, audit, tax, or legal advice;
• Export or disclose data in violation of applicable law or the rights of others;
• Remove, obscure, or alter any proprietary notices, watermarks, or attribution;
• Resell, sublicense, or re-distribute access to the Service without our written consent;

We may investigate and suspend or terminate access where we reasonably believe these rules have been breached.

NOSCERA can connect to third-party accounting and payment platforms — including Xero, QuickBooks, Sage, FreeAgent, and Stripe — through authorised integrations, and can also import data via CSV upload.

Subject to these Terms and your continued compliance with them, we grant you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your internal business purposes during the term of your subscription.

This licence does not grant you any right to resell, re-distribute, or make the Service available to third parties, except by inviting Members to your Organisation in accordance with these Terms.

You are responsible for all fees associated with your Plan. Unless stated otherwise, fees are non-refundable. Applicable taxes (such as VAT) are added at the rate in force at the point of billing. If a payment fails, we may retry it or suspend the Service until payment is resolved.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY OUTPUT (INCLUDING AI-GENERATED CONTENT) WILL BE ACCURATE OR RELIABLE. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

NOSCERA is an analytical and intelligence tool. It is not a substitute for professional accounting, audit, tax, or legal advice, and no advice or recommendation provided through the Service creates a professional or fiduciary relationship between you and us.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL NOSCERA BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED POUNDS (£100).

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence or for fraud.

You agree to indemnify and hold NOSCERA harmless from any claims, damages, losses, and reasonable legal fees arising from: (a) your breach of these Terms; (b) your misuse of the Service; (c) data you import that infringes the rights of a third party; or (d) your violation of applicable law. We will provide you with notice of any such claim and reasonable cooperation, at your expense.

We may update these Terms from time to time. We will notify you of material changes by email or through the Service at least 30 days before they take effect, except for changes that are urgent for legal or security reasons, which may take effect immediately. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by the laws of England and Wales. Any dispute arising out of or in connection with them will be subject to the exclusive jurisdiction of the courts of England and Wales, except that you may bring a claim in the jurisdiction where you reside if you are a consumer protected by mandatory local law.

We will seek to resolve disputes informally first. Please contact our legal team at abolade@noscera.co.uk before initiating formal proceedings.

If you have questions about these Terms, you can reach us at:

• General & sales enquiries: team@noscera.org
• Legal & disputes: abolade@noscera.co.uk
• Customer support: adebukola@noscera.store
• Security reports: info@noscera.online

This page is maintained by NOSCERA and forms part of the agreement between you and us. It is not a certification or legal opinion.