Terms of Service

1. Service Description

Nubro is a business-to-business (B2B) mortgage deal management platform designed for UK property finance brokers. The platform provides AI-powered lender matching, deal tracking, email integration, and document management. Nubro does not provide financial advice.

2. Account Terms

• You must provide a valid work email address to register.
• One account per individual user. Shared accounts are not permitted.
• You are responsible for maintaining the confidentiality of your account credentials, including any multi-factor authentication methods.
• You must be at least 18 years old and legally authorised to enter into these terms on behalf of yourself or your organisation.

3. Acceptable Use

You agree not to:

• Use the platform for any unlawful purpose or in violation of any applicable regulations.
• Attempt to gain unauthorised access to other users' accounts or data.
• Use automated tools, bots, or scripts to access the platform beyond the provided API, or exceed reasonable usage limits.
• Upload malicious content, viruses, or any material that could damage or impair the service.
• Resell, redistribute, or sublicense access to the platform without written permission.

We reserve the right to suspend or terminate accounts that violate these terms, with notification where practicable.

4. Intellectual Property

All content, features, and functionality of the Nubro platform (including software, text, graphics, logos, and design) are owned by Nubro and protected by UK and international intellectual property laws. You retain ownership of any data you upload to the platform. By using Nubro, you grant us a limited licence to process your data solely for the purpose of providing our services.

5. Service Availability

Nubro is provided on a best-effort basis. We host our platform on Vercel and rely on third-party infrastructure providers. While we strive for high availability, we do not guarantee uninterrupted or error-free service. We may perform scheduled maintenance with reasonable advance notice where possible.

6. Limitation of Liability

To the maximum extent permitted by applicable law, Nubro and its officers, directors, and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or business opportunity, arising from your use of the platform. Our total aggregate liability for any claims arising under these terms shall not exceed the fees paid by you in the 12 months preceding the claim.

Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.

7. Termination

You may delete your account at any time through your account settings. Account deletion is subject to a 72-hour grace period during which you may cancel the request. After the grace period, your personal data will be permanently deleted in accordance with our Privacy Policy. Deal data may be retained for up to 7 years as required by FCA regulations.

We may suspend or terminate your account for breach of these terms, providing notice and an opportunity to export your data where reasonably practicable.

8. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.

9. Changes to These Terms

We may update these terms from time to time. Material changes will be communicated via email or an in-app notification at least 30 days before they take effect. Continued use of the platform after changes take effect constitutes acceptance of the revised terms.

10. Contact

For questions about these terms, contact us at legal@nubro.ai.