Terms of Service

3.1 Account Creation

To access certain features, you must create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as necessary
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account

3.2 Age Requirement

You must be at least 18 years old to use the Platform. By using Startege, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into this Agreement.

3.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or use
• Using a strong, unique password

We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.4 Account Sharing

Your account is personal to you. You may not share your account credentials with others or allow others to access your account. Each user must have their own account.

4.1 Free Tier

Basic features are available free of charge. Free tier access may be limited compared to premium features. We reserve the right to modify free tier features at any time.

4.2 Premium Subscriptions

Premium subscriptions provide access to additional features:

• Startegizer AI assistant
• AIGP Prep Exams
• Market Scan articles
• Advanced Analytics
• Priority support

Subscription fees are displayed on our pricing page and are subject to change. We will notify you of price changes at least 30 days in advance.

4.3 Billing

Subscriptions are billed:

• Monthly: Billed monthly in advance
• Annually: Billed annually in advance (with discount)

Payment is processed securely through Stripe. By subscribing, you authorize us to charge your payment method for the subscription fee.

4.4 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription fee. We will notify you before renewal.

4.5 AI Credits

AI credits are:

• Purchased separately from subscriptions
• Non-refundable except as required by law
• Used to access premium AI features (Startegizer)
• Subject to expiration terms (if any) specified at purchase
• Non-transferable between accounts

4.6 Price Changes

We reserve the right to change subscription prices. Price changes will not affect your current subscription period but will apply to renewals. We will notify you of price changes at least 30 days in advance.

4.7 Taxes

All prices are in USD. You are responsible for any taxes, duties, or fees applicable to your purchase. For Australian customers, GST (if applicable) is included in the price.

5.1 Subscription Cancellation

You may cancel your subscription at any time:

• Through your account settings
• By contacting us directly
• Via Stripe Customer Portal

Cancellation will take effect at the end of your current billing period. You will continue to have access to premium features until the end of the billing period. No refunds are provided for the unused portion of the current billing period, except as required by law.

5.2 Refund Policy

General Policy:

• Subscription fees are generally non-refundable
• AI credits are non-refundable
• Refunds may be provided at our discretion in exceptional circumstances

Australian Consumer Law:

Nothing in these Terms excludes your rights under the Australian Consumer Law. If our services fail to meet consumer guarantees, you may be entitled to a refund or replacement. Consumer guarantees do not apply if you acquired the service for business purposes.

Refund Requests:

To request a refund, contact us with your account email and reason for the request. We will review your request and respond within 14 business days.

5.3 Termination by Us

We may suspend or terminate your subscription if:

• You breach these Terms
• Payment fails and is not resolved
• You engage in fraudulent activity
• Required by law

If we terminate your subscription for breach, no refund will be provided. If we terminate for other reasons, we may provide a pro-rated refund at our discretion.

7.1 Platform Content

All content on Startege, including but not limited to:

• Concept cards and learning materials
• Exam questions and challenges
• Platform design and user interface
• Logos, trademarks, and branding
• Software code and functionality
• Documentation and help content

is the property of Innovationera Pty Ltd or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not use, reproduce, distribute, or create derivative works without our express written permission.

7.2 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to resell or redistribute Platform content.

7.3 User Content

You retain ownership of content you create or submit to the Platform (e.g., feedback, comments). By submitting content, you grant us:

• A worldwide, royalty-free, perpetual license to use, modify, and display your content
• The right to use your content for Platform operation and improvement

You represent that you have the right to grant this license and that your content does not infringe on any third-party rights.

7.4 Third-Party Content

Our Platform may include content from third parties (e.g., regulatory frameworks, standards). This content is used under fair use or with appropriate licenses. We respect third-party intellectual property rights and expect you to do the same.

8.1 Educational Content Disclaimer

Not Legal Advice:

The content on Startege is for educational purposes only and does not constitute legal, professional, or regulatory advice. You should not rely on Platform content as a substitute for professional advice from qualified legal, compliance, or regulatory professionals.

You agree that you will not rely on the Platform or any AI-generated content as a substitute for professional, legal, regulatory, or compliance advice, or for making operational or business decisions.

Nothing on the Platform creates a professional-client, advisory, consulting, fiduciary, or legal relationship between you and Innovationera Pty Ltd.

Not Professional Certification:

While Startege provides educational content to help you prepare for the AIGP certification exam, we do not guarantee that using the Platform will result in passing the exam. We are not affiliated with the AIGP certification body. Exam content and formats may change without notice.

Regulatory Information:

Regulatory information provided on the Platform may become outdated. Regulations change frequently, and you should verify current regulatory requirements from official sources. We are not responsible for any consequences arising from reliance on outdated information.

8.2 AI-Generated Content Disclaimer

Startegizer and other AI-powered features generate responses using artificial intelligence. AI-generated content:

• May contain errors or inaccuracies
• Should not be relied upon as authoritative
• Is not a substitute for professional advice
• May not reflect current regulations or standards

Always verify AI-generated information from authoritative sources and consult qualified professionals for important decisions.

8.3 Service Availability

We strive to maintain Platform availability but do not guarantee uninterrupted access. The Platform may be unavailable due to maintenance, updates, technical issues, or unforeseen circumstances. We are not liable for any downtime or service interruptions.

8.4 Third-Party Services

Our Platform uses third-party services (Firebase, Stripe, Google Cloud). We are not responsible for the availability, performance, or security of these third-party services. Your use of third-party services is subject to their respective terms and privacy policies.

9.1 General Limitation

To the maximum extent permitted by law, Innovationera Pty Ltd, its directors, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenues, data, use, goodwill, or other intangible losses, whether incurred directly or indirectly, resulting from:

• Your use or inability to use the Platform
• Any errors or omissions in Platform content
• Any unauthorized access to or use of our servers or your data
• Any interruption or cessation of the Platform
• Any bugs, viruses, or other harmful code
• Any third-party conduct or content

9.2 Maximum Liability

Our total liability to you for all claims arising from or related to the Platform shall not exceed the amount you paid us in the 12 months preceding the claim, or AUD $100, whichever is greater.

9.3 Australian Consumer Law

Nothing in these Terms excludes, restricts, or modifies any rights you may have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010). If our services fail to meet consumer guarantees, you may be entitled to remedies including refund, replacement, or compensation. These consumer guarantees do not apply if you acquired the service for business purposes.

9.4 Indemnification

You agree to indemnify, defend, and hold harmless Innovationera Pty Ltd, its directors, officers, employees, and agents from and against any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the Platform
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit to the Platform

10.1 Termination by You

You may terminate your account at any time by canceling your subscription (if applicable) and deleting your account through account settings or by contacting us. Upon termination, your access to the Platform will cease, but certain information may be retained as required by law or for legitimate business purposes.

10.2 Termination by Us

We reserve the right to suspend or terminate your account at any time, with or without notice, for:

• Violation of these Terms
• Fraudulent or illegal activity
• Abuse of the Platform or other users
• Non-payment of subscription fees
• Extended period of inactivity
• Any other reason we deem necessary

10.3 Effect of Termination

Upon termination:

• Your right to access and use the Platform will immediately cease
• You will lose access to your account and all associated data
• Any unused AI credits will be forfeited
• No refunds will be provided (except as required by law)
• Provisions that by their nature should survive termination will survive

11.1 Informal Resolution

If you have a dispute with us, please contact us first. We will attempt to resolve the dispute informally through good faith negotiations.

11.2 Governing Law

These Terms are governed by the laws of Western Australia, Australia, without regard to conflict of law principles. Any disputes will be subject to the exclusive jurisdiction of the courts of Western Australia, Australia.

11.3 Class Action Waiver

You agree that any disputes will be resolved individually and not as part of a class action or representative proceeding.

13.1 Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Innovationera Pty Ltd regarding the Platform and supersede all prior agreements.

13.2 Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

13.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision.

13.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without restriction.

13.5 Force Majeure

We are not liable for any failure to perform our obligations due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or internet failures.