Terms of Use

These terms apply to your use of this website, morefold.ai, and the Morefold platform at app.morefold.ai (the Platform), both operated by Morefold Pty Ltd (ACN 699 686 149, ABN 33 699 686 149) ("Morefold", "we", "us"). By using the website, accepting an invitation, creating an account or using the Platform, you agree to these terms. If you do not agree, do not use them.

1. About these terms

These terms govern use of the website and the Platform by you and, where you use the Platform for an organisation, by that organisation. Where you act on an organisation's behalf, "you" includes that organisation, and a "User" is anyone the organisation authorises to access the Platform.

If your organisation has entered into a signed agreement with Morefold, such as a Master Solution Agreement, that agreement prevails over these terms to the extent of any inconsistency. Our Privacy Policy explains how we handle personal information; it is a separate notice that applies alongside these terms and any signed agreement.

2. About the Platform

Morefold is an administrative and workflow platform for insurance brokers and similar businesses. With your organisation's authorisation it connects to the email, file storage and business systems your organisation already uses, reads and organises what it finds, flags missing, expiring or changed information, and drafts communications and workflow actions for your team to review. A person in your organisation approves anything before the Platform sends it to someone outside your organisation (see section 8). Morefold is an early-stage product developed with a small number of design partners. Access is by invitation, and features change often.

3. Eligibility and your organisation

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. Your organisation confirms that it holds the licences, authorisations and registrations its business requires, including under any Australian financial services licence or licensee arrangements that apply to it, and that its Users act within the scope of their roles. Your organisation is responsible for its Users' compliance with these terms.

4. Accounts and access

Accounts are created by invitation. Keep the information on your account accurate, keep your sign-in credentials confidential, do not share an account between people, and tell us promptly at hello@morefold.ai if you suspect unauthorised access. Your organisation's administrators decide who is invited and what role each User has, and your organisation is responsible for its Users' use of the Platform, including the accounts and mailboxes they connect. We may decline, suspend or remove an account where reasonably necessary to protect the Platform, our customers or the people whose information it holds.

5. Acceptable use

You must not, and must not allow anyone else to:

• use the website or the Platform unlawfully, to infringe anyone's rights, or to upload material that is unlawful, defamatory, harmful, offensive or infringing;
• upload or connect content your organisation is not entitled to hold, use or share;
• attempt to access another organisation's data, or probe, disrupt, overload or interfere with the Platform or any system connected to it;
• bypass or interfere with security, usage limits or approval controls;
• copy, modify, adapt, translate, create derivative works from, decompile or reverse engineer the Platform, or attempt to derive its source code, models, prompts or system instructions;
• scrape or extract content at scale, or use the Platform to build, train or benchmark a competing product;
• share credentials, let anyone who is not a User access the Platform, or resell, sublicense, lease or otherwise make the Platform available to a third party without a signed agreement that permits it;
• send unsolicited bulk email or other communications through the Platform, or introduce malware or harmful code;
• remove or alter any copyright, trade mark or other notice on the Platform or the website; or
• use the Platform for any purpose other than the purpose for which it is designed, or in any way that is fraudulent or facilitates fraud.

6. Your content

Your organisation owns the content it brings into the Platform: the documents, emails, records and other material it uploads, connects or creates. We do not claim ownership of it. The audit trail of its workspace is treated as its content for export and deletion purposes. Your organisation is responsible for deciding whether information may lawfully be brought into the Platform, for obtaining any consents and giving any notices needed, for keeping what it brings in reasonably accurate and current, and for its own obligations under privacy and other laws. We do not review content for sensitivity, confidentiality or compliance; it is processed automatically as part of the Platform's functionality.

You grant Morefold a licence to host, copy, process, transmit, display and create indexes and summaries of your content as needed to provide, secure, support and improve the Platform for your organisation, consistent with our Privacy Policy. We do not sell your content and we do not use it to train AI models. To the extent the law permits, we may de-identify and aggregate your content and information about how the Platform is used, so that it cannot reasonably be used to identify your organisation, any User or any individual, and use that de-identified information for our internal business purposes, including to operate, analyse, improve and develop the Platform and related services.

Your organisation can export its content during the relationship, using the export features available in the Platform or by asking us; where a self-service export is not available we will provide a copy in a commonly used electronic format within 30 days of a request. What happens to content after access ends is described in section 16. We may remove or quarantine content that breaches these terms or the law.

7. Connected services

The Platform can connect to third-party services your organisation already uses, such as Google Drive, Gmail, Microsoft 365 (including Outlook, OneDrive and SharePoint) and supported CRM systems. Your organisation and its Users choose whether to connect them, and can disconnect them at any time. We request only the permissions the relevant feature needs. What each type of connection reads and stores is described in our Privacy Policy.

Your organisation is responsible for being authorised to connect each service and to move the relevant data through it, for the accuracy of any configuration, information or credentials it provides, and for complying with the provider's terms. Your use of those services remains governed by your agreements with their providers, and we are not responsible for their availability, performance or conduct. Issues can arise when data moves between systems, and we do not warrant that any connection will operate without error, interruption or delay. We may suspend a connection, or ask your organisation to disable it, where we reasonably consider it necessary to protect the security, integrity or operation of the Platform.

8. AI features, Generated Materials and approval

The Platform uses automated data processing, machine learning and artificial intelligence, which may include optical character recognition, to process emails, documents, client records and policy information and to produce extracted data, summaries, draft communications, suggested workflow actions and other outputs (Generated Materials). AI is probabilistic. Generated Materials can be incomplete, incorrect, out of date or misleading, can vary for the same inputs, can miss things, and may include or resemble third-party content. We take commercially reasonable steps to improve accuracy, but we do not represent, warrant or guarantee the accuracy, completeness, timeliness, reliability or originality of any Generated Materials.

Approval before anything goes out. The Platform will not send a communication to a person outside your organisation, or take another external action it has proposed, unless a User has expressly reviewed and approved it in the Platform. This does not require a second or independent reviewer: the User who prepares an action may approve it. Keeping data in step with your organisation's own connected systems is not an external action. The Platform keeps an audit trail recording each action it proposed, whether a User approved, rejected or otherwise dealt with it, and who made that decision. The audit trail is available to your organisation and is treated as its content for export and deletion purposes.

Your responsibilities. You are responsible for reviewing, verifying and confirming the accuracy and suitability of Generated Materials before relying on, approving or using them, including any extracted information, summaries, client or policy details, draft communications and suggested actions. Your organisation must ensure that each communication or action is reviewed and approved by an appropriately qualified and authorised person before it is sent or acted on, including a person authorised under its Australian financial services licence or licensee arrangements where that applies, and it is responsible for everything it approves and sends. To the maximum extent permitted by law, and subject to the approval commitment above, we are not liable for loss arising from reliance on Generated Materials that have not been appropriately reviewed and approved.

Usage limits. AI features are subject to usage limits, including a daily limit for each organisation. When a limit is reached, AI features may slow or pause until the next day or until your organisation agrees to a higher limit.

9. Not financial, insurance or legal advice

The Platform is an administrative and workflow tool. Information and Generated Materials provided through it are general in nature, may not suit your circumstances, and do not constitute legal, financial, financial product, accounting, taxation or other professional advice. Morefold is not a financial adviser, financial planner or insurance broker and does not hold an Australian financial services licence. Your organisation is responsible for its own advice, recommendations and financial services, for complying with its licence or licensee arrangements and other laws, and for obtaining any professional advice it needs. You must not represent that Morefold or the Platform holds an Australian financial services licence, is an authorised representative of a licensee, or is authorised to provide financial product advice.

10. Fees

There is no self-service purchase. Access is by invitation, and any fees for the Platform, including AI compute costs, are set out in a signed agreement between Morefold and your organisation, not on this page.

11. Availability, changes and events beyond our control

Morefold is an early-stage product and it changes often. We may add, change or remove features, and the Platform may be interrupted from time to time. Support is provided on a reasonable endeavours basis. These online terms do not include an uptime commitment, response times 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, including failure, outage or degradation of third-party hosting, telecommunications or AI providers.

12. Intellectual property and feedback

Morefold and its licensors own the Platform, the website and everything in them apart from your content: the software, models, prompts, workflows, templates, designs, documentation, branding, wordmark and content. We grant your organisation and its Users a non-exclusive, non-transferable, non-sublicensable licence to access and use the Platform for your organisation's internal business purposes in accordance with these terms and any signed agreement. You may use Generated Materials produced for your organisation for its own business purposes, including sending the communications it approves, subject to section 8; Generated Materials produced for different customers may be similar, and nothing in these terms gives you rights in the Platform, its models, prompts or templates. 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.

13. Warranties and disclaimers

We will use reasonable endeavours to ensure the Platform works for its intended purpose and to correct defects you report to us. Otherwise the website, the Platform and Generated Materials 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 secure, or that Generated Materials 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.

14. Liability

To the maximum extent permitted by law: we are not liable for indirect, incidental, special 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, from a connected service, or from unauthorised access caused by something outside our reasonable control; 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 greater of (a) the amounts your organisation paid us for the Platform in the 12 months before the event giving rise to the liability and (b) AUD 100. These limits do not apply to liability that the law does not allow us to limit.

15. Indemnity

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

16. 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 whose information it holds. 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. After access ends, your organisation may request an export of its content within 30 days; we then delete its content within 30 days after that window closes, or after we provide the export, and remove it from encrypted backups within 90 days after access ends, unless the law requires us to keep it. Any signed agreement's exit terms prevail over this section. Sections 6, 8, 9, 12 to 16 and 19 to 22 survive the end of your access.

17. Other websites

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

18. 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 users, we will give notice before it takes effect, through the Platform or by email, unless a change is needed sooner for legal or security reasons. If you keep using the website or the Platform after a change takes effect, you accept the updated terms. If you do not agree, stop using them and ask us to close your account.

19. Disputes

If a dispute arises under or in connection with these terms, the party raising it must give the other written notice with reasonable details, and both parties must then use their best efforts to resolve it in good faith. If the dispute is not resolved within 14 days after the notice, either party may refer it to mediation by the Australian Disputes Centre under its Guidelines for Commercial Mediation. Either party may start court proceedings if the dispute is not resolved within 28 days after a mediator is appointed, or if a mediator has not been appointed within 14 days after the referral. Neither party may start court proceedings, other than for urgent interlocutory relief, until this process has been followed.

20. 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 to a related body corporate, or as part of a restructure, financing, merger or sale of the business, by giving you notice. Notices to us go to legal@morefold.ai; notices to you go to the email address on your account. Nothing in these terms creates a partnership, agency or employment relationship. For online use of the website and the Platform, these terms and the documents they link to are the entire agreement, subject always to any signed agreement, which prevails.

21. Governing law

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

22. Contact

Questions about these terms: legal@morefold.ai. By post: Morefold Pty Ltd, PO Box 604, Cotton Tree QLD 4558, Australia. Morefold Pty Ltd (ACN 699 686 149, ABN 33 699 686 149).