1. The service
Margineer is a cloud-based application that turns a manufacturer's financial and operating data into plain-English analysis, commentary and interactive planning tools. It is provided by Margineer ("we", "us"). By subscribing to or using Margineer you ("you", the "customer") agree to these Terms.
Margineer's outputs — including figures, commentary and any action plan — are informational only. They are not financial, tax, accounting, legal or investment advice, and do not replace your own judgement or that of your accountant or adviser.
2. Accounts & eligibility
- You must be at least 18 and authorised to enter these Terms on behalf of your business.
- You are responsible for keeping your login credentials secure and for all activity under your account.
- You must give accurate account information and keep it up to date.
3. Subscriptions & fees
Access is by paid subscription. Current pricing, billing, and cancellation terms are set out in the Billing, Subscription & Cancellation Policy, which forms part of these Terms.
4. Your data & ownership
You retain ownership of the data you upload. You grant us a limited licence to store and process that data solely to provide and improve the service to you, as described in the Privacy Policy.
We own Margineer itself — the platform, software, models, and all associated intellectual property. Nothing in these Terms transfers that ownership to you.
5. Acceptable use
Your use of Margineer must comply with the Acceptable Use Policy, which forms part of these Terms.
6. Availability & changes
We aim for a reliable, available service but do not guarantee uninterrupted or error-free operation. We may add, change or remove features, and will give reasonable notice of material changes that affect you.
7. Disclaimers
The service is provided "as is". We are not a licensed financial, tax or legal adviser, and you are responsible for decisions you make using Margineer. Nothing in these Terms excludes rights you have under the New Zealand Consumer Guarantees Act or the Australian Consumer Law where they apply to you.
8. Limitation of liability
To the maximum extent permitted by law, our total liability arising from the service is limited to the fees you paid in the 12 months before the claim, and we are not liable for indirect or consequential loss (including lost profits or loss of data beyond our security and backup obligations).
9. Confidentiality
Each party will keep the other's confidential information secure and use it only as needed to perform these Terms.
10. Term & termination
The subscription continues until cancelled under the Billing Policy. We may suspend or terminate access for material breach of these Terms or the Acceptable Use Policy. On termination, your data is handled as described in the Privacy Policy (including the export window and deletion).
11. Changes to these Terms
We may update these Terms and will notify you of material changes. Continued use after changes take effect means you accept them.
12. Governing law & contact
These Terms are governed by the laws of New Zealand, and the New Zealand courts have jurisdiction. Questions: [email protected].