Terms of Service

Effective: January 1, 2025

These Terms of Service ("Terms") govern your access to and use of NovamindAI (the "Services"), operated by iNet Realty, Inc., a California corporation ("we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Services.

1. Overview of Services

NovamindAI is an AI-powered platform focused on real estate, finance, and investing. Our Services include a free tier (with certain usage limits) and subscription plans (with additional features). You can find more details about our free tier limitations and subscription plans in the relevant documentation or links we may provide from time to time.

These Terms apply to all users of NovamindAI, including individuals and businesses within the United States. To use the Services, you must be at least 18 years old and legally able to enter into a binding contract.

2. Account Creation and Eligibility

  • Account Requirement. To access most features of the Services, you will need to create an account. By creating an account, you represent that all registration information you provide is accurate and up-to-date.
  • Minimum Age. The Services are intended solely for users who are 18 years of age or older. If you are under 18, you are not allowed to access or use the Services.
  • U.S. Use Only. Currently, our Services are intended for use within the United States. If you access or use the Services from outside the U.S., you do so at your own risk and are responsible for compliance with any applicable laws.
  • Account Security. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to promptly notify us of any unauthorized use of your account.

3. Acceptable Use

You agree to use NovamindAI only for purposes that are legal, proper, and in accordance with these Terms, our Acceptable Use Policy (if provided), and any applicable laws and regulations. Specifically, you must not:

  • Use the Services in violation of any laws or regulations (local, state, federal, or international).
  • Upload or generate content that is illegal, harmful, deceptive, defamatory, obscene, or otherwise objectionable.
  • Attempt to reverse engineer, decompile, or otherwise tamper with any component of the Services.
  • Interfere with or disrupt the Services or servers/networks connected to the Services.
  • Use the Services to develop competing products or services, or to train artificial intelligence models without authorization.
  • Engage in any activity that could harm or impair the Services, including but not limited to introducing viruses or attempting to overload the Services (e.g., DDoS attacks).

4. Subscriptions, Payments, and Refunds

  • Free Tier. The Services may offer a free tier with certain usage limitations. Details on these limitations are available via links or documentation we provide.
  • Subscriptions. We offer subscription plans with additional features or higher usage limits. By signing up for a subscription, you agree to pay all applicable fees using a valid payment method (e.g., credit card, PayPal). Additional terms for subscription tiers, pricing, and features are provided separately or via links.
  • Automatic Renewal. Unless otherwise noted, subscription plans will automatically renew at the end of each billing period, and applicable fees will be charged to your chosen payment method. You can cancel your subscription at any time in your account settings or by contacting us.
  • Refund Policy. We provide a link to a separate Refund Policy, where you can find details on refunds and cancellations. In most cases, payments made are non-refundable except as required by law or stated in our Refund Policy.

5. Ownership and Intellectual Property

  • Our Rights. All rights, title, and interest in and to the Services (including but not limited to software, text, graphics, images, logos, and trademarks) are the exclusive property of iNet Realty, Inc. or our licensors. Nothing in these Terms grants you any license to or ownership of any of our intellectual property, except the limited right to use the Services as described in these Terms.
  • Your Content. When you input or upload content to NovamindAI ("User Content"), you represent and warrant that you have the necessary rights to do so, and you grant us a limited license to process, store, and display such content for the purpose of providing and improving the Services. You retain any ownership rights you have in your User Content.
  • Generated Content. If the Services generate content in response to your prompts or uploads, you acknowledge that such content is generated automatically based on inputs and may not be verified or accurate. You agree to use your own judgment before relying on any generated content. Unless otherwise stated, we do not claim ownership of the content generated specifically for you, but we reserve the right to use de-identified or aggregated outputs for our internal purposes, including improving the Services.

6. Data Handling and Privacy

  • Data Collection. We collect and process personal and non-personal information about you in accordance with our Privacy Policy (if provided or posted separately).
  • Data Retention. We do not currently have a specific retention policy. We reserve the right to retain user data for as long as needed to provide the Services, comply with legal obligations, or for other legitimate purposes.
  • Security Measures. We use commercially reasonable security measures to protect your data, but we cannot guarantee that unauthorized third parties will never be able to defeat those measures. You acknowledge that you provide your personal information at your own risk.
  • Compliance. Our focus is on U.S. compliance. We make no representation regarding compliance with data protection laws outside the U.S.

7. Modifications, Updates, and Service Changes

  • Changes to Services. We may modify, update, or discontinue the Services (in whole or in part) at any time without notice. This may include altering features, imposing limits, or shutting down the Services entirely.
  • Updates to Terms. We reserve the right to update or change these Terms at any time. If we make material changes, we will make reasonable efforts to notify you (e.g., by posting a notice on our website or sending an email). By continuing to use the Services after any changes become effective, you agree to be bound by the updated Terms.

8. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES, INCLUDING ANY CONTENT GENERATED OR MADE AVAILABLE THROUGH NOVAMINDAI, ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

NOVAMINDAI PROVIDES AI-GENERATED CONTENT RELATED TO REAL ESTATE, FINANCE, AND INVESTING. WE ARE NOT FINANCIAL ADVISORS OR REAL ESTATE PROFESSIONALS, AND NOTHING PROVIDED THROUGH THE SERVICES CONSTITUTES FINANCIAL, LEGAL, OR REAL ESTATE ADVICE. ALWAYS SEEK THE ADVICE OF A QUALIFIED PROFESSIONAL FOR YOUR SPECIFIC SITUATION.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE, OUR AFFILIATES, OR OUR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, OR DATA, ARISING OUT OF OR RELATED TO THESE TERMS OR YOUR USE OF THE SERVICES.

IN NO EVENT WILL THE CUMULATIVE LIABILITY OF US, OUR AFFILIATES, AND OUR LICENSORS EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FOR THE SERVICES IN THE SIX (6) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE AND REGARDLESS OF THE LEGAL THEORY OR BASIS OF LIABILITY.

10. Indemnification

You agree to defend, indemnify, and hold harmless iNet Realty, Inc. (including NovamindAI), our affiliates, and our respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with:

  • Your access to or use of the Services;
  • Your User Content or any content generated on your behalf;
  • Your violation of these Terms or any applicable law or regulation;
  • Your infringement of any rights of another person or entity.

We reserve the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and you agree to cooperate with our defense of such claims.

11. Termination and Suspension

  • Termination by You. You may terminate your account and discontinue use of the Services at any time.
  • Termination by Us. We may suspend or terminate your account or access to the Services at any time, with or without notice, if we believe you have violated these Terms, any applicable law, or for any other reason at our sole discretion.
  • Effect of Termination. Upon termination, your right to use the Services immediately ceases. We may delete any data associated with your account, although we are not obligated to do so immediately.
  • No Refunds. Unless required by law or explicitly stated in our Refund Policy, we have no obligation to provide refunds if we terminate your account or if you decide to stop using the Services before the end of a billing cycle.

12. Governing Law and Dispute Resolution

These Terms and any disputes arising out of or related to these Terms or the Services will be governed by the laws of the State of California, without regard to conflict of law principles. All claims and disputes must be resolved exclusively in the state or federal courts located in San Francisco, California. By using the Services, you consent to the personal jurisdiction of these courts and waive any objections to venue in these courts.

If permitted by law, you agree to waive any right to participate in a class action lawsuit or class-wide arbitration against us.

13. Miscellaneous

  • Entire Agreement. These Terms constitute the entire agreement between you and us regarding the Services and supersede all prior or contemporaneous agreements, understandings, or communications.
  • Severability. If any provision of these Terms is found to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.
  • No Waiver. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
  • Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms without restriction.
  • Force Majeure. We will not be liable for any delays or failures in performance due to events beyond our reasonable control (including natural disasters, strikes, lockouts, pandemics, government orders, or acts of war).
  • No Contact Information. We are not providing contact information in these Terms. If you have questions about these Terms or the Services, please refer to any communications or links we may provide to you separately.

14. Your Acceptance

By using or accessing NovamindAI, you acknowledge that you have read, understood, and agree to be bound by these Terms, as updated from time to time. If you do not agree, you must discontinue use of the Services immediately.

Last Updated: January 1, 2025
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