Terms of Use

These terms apply to your use of this website, morefold.ai, and to your use of the Morefold platform at app.morefold.ai, both operated by Morefold Pty Ltd (ACN 699 686 149) ("Morefold", "we", "us"). By using the site, creating an account, or using the platform, you agree to these terms. If you do not agree, please do not use them.

About the platform

Morefold is a software platform for insurance brokerages and similar businesses. With your organisation's authorisation, it connects to the places your documents already live, reads and organises what it finds, flags missing or expiring information, and drafts follow-up actions such as chase emails. Every outbound action requires approval by a person in your organisation before anything is sent. The platform drafts; your team decides. Morefold is an early-stage product built hand-in-hand with a small number of design partners, and access is by invitation.

These terms and signed agreements

These online terms govern general use of the website and the platform. If your organisation and Morefold have entered into a separately signed agreement, such as a licence or services agreement, that signed agreement prevails over these terms to the extent of any inconsistency. Our Privacy Policy is a single shared document that applies alongside both.

Eligibility

The platform is for business use, not personal or household use. By using it you confirm that you are at least 18, that you are using it for an organisation that is entitled to the information it brings into the platform, and that you are authorised to accept these terms for that organisation. If you accept these terms on an organisation's behalf, "you" includes that organisation.

Your account

Accounts are created by invitation. Keep your sign-in credentials confidential, do not share an account between people, and tell us promptly at [email protected] if you suspect unauthorised access. Your organisation is responsible for who it invites and for its users' use of the platform. We may decline, suspend, or remove an account to protect the platform or its customers.

Acceptable use

You agree not to:

• use the site or platform unlawfully, or to infringe anyone's rights;
• upload or connect content your organisation is not entitled to hold or share;
• attempt to access another organisation's data, or probe, disrupt, or overload the service;
• scrape the service, reverse engineer it, or use it to build or benchmark a competing product;
• introduce malware or attempt to bypass security, usage, or approval controls;
• resell or sublicense access without a signed agreement that permits it.

Your data

Your organisation owns its data: the documents, records, and content it uploads or connects, and it is responsible for having the rights and consents needed to bring that content into the platform. You grant Morefold a licence to host, process, transmit, and display that content as needed to provide, secure, support, and improve the service for you, consistent with our Privacy Policy. We do not sell your data and we do not use it to train AI models. The platform works from your content as provided, so your organisation is also responsible for keeping what it brings in reasonably accurate and current. If your access ends, you can ask us for an export of your organisation's data.

AI features and outputs

The platform uses AI to read documents, answer questions, and draft actions. AI outputs are drafts and suggestions only. They can be wrong, incomplete, or out of date, and they can miss things. Anything the platform proposes to send outside your organisation requires approval by a person in your organisation first. Your organisation is responsible for reviewing drafts before approving them, for everything it approves and sends, and for verifying AI answers against the underlying documents before relying on them.

Not financial, insurance, or legal advice

Morefold provides software. Nothing on the website or in the platform, including AI output, is financial, insurance, or legal advice, a recommendation, or an offer of any financial product or service. Morefold does not hold an Australian financial services licence. Insurance advice remains the responsibility of licensed brokers and advisers, and your organisation remains responsible for its own regulatory and professional obligations.

Connected services

The platform can connect to third-party services your organisation already uses, such as Google Drive, Gmail, Microsoft 365, OneDrive, and SharePoint. You choose whether to connect them, and you can disconnect them at any time. We request only the permissions the relevant feature needs. Your use of those services remains governed by your agreements with those providers, and we are not responsible for their availability or conduct.

Fees

Access is currently by invitation as part of design-partner arrangements. There is no self-service purchase. Any fees for the platform are set out in a signed agreement between Morefold and your organisation, not on this page.

Availability and changes to the platform

Morefold is an early-stage product and it changes often. We may add, change, or remove features, and the service may be interrupted from time to time. These online terms do not include an uptime commitment or service levels; if your organisation needs those, they belong in a signed agreement. We will not materially reduce the core of what a paying customer has signed up for without notice. We are not responsible for delay or failure caused by events beyond our reasonable control, such as failures of telecommunications, hosting, or AI providers.

Intellectual property

Morefold and its licensors own the platform, the website, and everything in them apart from your data: the software, designs, branding, wordmark, and content. You may use the platform as these terms allow, and you may view and share the website, but you may not copy, adapt, or reuse our software, branding, or content for your own purposes without permission. If you send us feedback or suggestions, we may use them without restriction or obligation to you.

Warranties and disclaimers

The website and platform are provided "as is" and "as available". To the extent permitted by law, we do not warrant that they will be uninterrupted, error-free, or that AI output will be accurate, complete, or fit for a particular purpose. Nothing in these terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law or any other law that cannot lawfully be excluded. Where the law permits us to limit our liability for breach of a non-excludable guarantee, our liability is limited, at our option, to resupplying the service or paying the cost of having it resupplied.

Liability

To the maximum extent permitted by law: we are not liable for indirect or consequential loss, or for loss of profits, revenue, business opportunity, anticipated savings, goodwill, or data; we are not liable for loss to the extent it arises from content your organisation provides being inaccurate, incomplete, or out of date; each party remains responsible for its own legal and regulatory obligations; and our total aggregate liability arising out of or in connection with these terms, the website, or the platform is limited to the amounts your organisation paid us for the platform in the 12 months before the event giving rise to the liability, or AUD 100 if it has paid nothing. These limits do not apply where the law does not allow them to.

Indemnity

Your organisation indemnifies Morefold against loss arising from third-party claims caused by content it brings into the platform without the necessary rights, or by its unlawful use of the platform, except to the extent we caused the loss.

Suspension and ending access

We may suspend or end access if these terms are breached, if the law requires it, or where it is reasonably necessary to protect the platform, our customers, or the people their data describes. Where reasonable, we will give notice and a chance to fix the problem first. You may stop using the platform at any time, and your organisation may ask us to close its workspace. What happens to data after access ends is described in the Privacy Policy, and any signed agreement's exit terms prevail over this section.

Other websites

The site and platform may link to websites we do not control. We are not responsible for the content or practices of those sites.

Changes to these terms

We may update these terms from time to time. The current version will always be on this page, with the date shown above. If a change materially affects platform customers, we will give notice before it takes effect, through the platform or by email. If you keep using the site or platform after a change takes effect, you accept the updated terms.

Disputes

If a dispute arises under these terms, the party raising it will give the other written notice describing it, and both parties will meet, in person or by call, within 10 business days and try in good faith to resolve it before starting court proceedings. Either party may still seek urgent interlocutory relief.

General

If part of these terms is found to be invalid, the rest still applies. If we do not enforce a term, that is not a waiver of it. You may not transfer your rights or obligations under these terms without our consent; we may transfer ours as part of a restructure, financing, or sale of the business. For online use of the website and platform, these terms and the documents they link to are the entire agreement, subject always to any signed agreement, which prevails.

Governing law

These terms are governed by the laws of Queensland, Australia. You submit to the non-exclusive jurisdiction of the courts of Queensland.

Contact

Questions about these terms: [email protected]. Morefold Pty Ltd (ACN 699 686 149), Australia.