Terms of Service

1. Acceptance of Terms

By accessing or using the Urbanisnight website, submitting a request through our forms, or otherwise interacting with the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree with any part of these Terms, please discontinue use of the Service.

2. Description of the Service

Urbanisnight provides AI-assisted data analysis and informational content intended to support research into income-focused investment considerations. The Service, including any data overview, report, or summary provided to you, is offered for general informational purposes only and does not constitute financial, investment, tax, or legal advice.

Nothing on this website or in any materials provided by Urbanisnight should be construed as a recommendation to buy, sell, or hold any financial product, or as a substitute for advice from a licensed financial adviser who understands your personal circumstances.

3. Eligibility

You must be at least 18 years of age and capable of forming a binding contract to use the Service. By using the Service, you represent that you meet these requirements and that any information you provide to us is accurate and current.

4. No Financial Advice

Urbanisnight is not a licensed financial services provider unless expressly stated otherwise in writing. Any AI-generated or human-prepared analysis, overview, or report is provided "as is" for informational purposes and should not be relied upon as the sole basis for any investment decision. You should seek independent, professional advice before making any financial decision.

5. User Responsibilities

When using the Service, you agree to:

• Provide accurate, current, and complete information when requested, including through contact or lead forms;
• Use the Service only for lawful purposes and in accordance with these Terms;
• Not attempt to interfere with, disrupt, or gain unauthorised access to the Service, its systems, or related networks;
• Not reproduce, duplicate, copy, sell, resell, or exploit any portion of the Service without our express written permission;
• Not use automated means to extract data from the Service except where expressly permitted.

6. Intellectual Property

All content on this website, including text, graphics, logos, images, reports, and software, is the property of Urbanisnight or its licensors and is protected by applicable intellectual property laws, unless otherwise indicated. You may view and download content for personal, non-commercial reference only, provided you retain all copyright and proprietary notices.

7. Third-Party Links and Content

The Service may contain links to third-party websites or reference third-party data sources. Urbanisnight does not control and is not responsible for the content, accuracy, or practices of any third-party site or service. Inclusion of any link does not imply endorsement.

8. Disclaimers

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. Urbanisnight does not warrant that the Service will be uninterrupted, error-free, or free of harmful components, or that any analysis or data provided will be complete, accurate, or suitable for your particular needs.

9. Limitation of Liability

To the fullest extent permitted by applicable law, Urbanisnight, its owners, staff, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or investment value, arising out of or in connection with your use of, or inability to use, the Service, even if advised of the possibility of such damages. Nothing in these Terms is intended to exclude or limit any consumer guarantee or right that cannot lawfully be excluded under applicable law.

10. Indemnification

You agree to indemnify and hold harmless Urbanisnight and its representatives from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising out of your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

11. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is otherwise harmful to other users, third parties, or Urbanisnight's business interests.

12. Changes to the Service and Terms

We may modify, suspend, or discontinue any part of the Service at any time without notice. We may also update these Terms from time to time. Material changes will be reflected by an updated "last revised" date on this page. Your continued use of the Service after changes are posted constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws applicable in the jurisdiction in which Urbanisnight operates, without regard to conflict of law principles. This section should be finalised with reference to your actual place of business and legal counsel's advice.

14. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of the remaining provisions.

15. Contact Us

If you have questions about these Terms, please get in touch via our Contact page. We aim to respond to reasonable enquiries in a timely manner.

Last revised: this is a template placeholder and should be updated to reflect the actual date these Terms take effect.