Terms of Service

1. Service Description

Current Development Phase

During development, Nexus provides:

• Information about our upcoming personal-first financial operating system
• Early access registration and communication
• User research and feedback opportunities
• Educational content about couple-focused financial management

Future Product Services

When launched, Nexus will provide:

• Personal-first budgeting and financial management tools
• Collaborative financial planning features for couples
• Automated savings and resilience building systems
• Constitutional framework for financial partnership governance
• Integration with banking and financial service providers

2. Eligibility & Account Requirements

To use Nexus services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into agreements
• Provide accurate and complete information
• Maintain the security of your account credentials
• Use services for lawful purposes only

Partnership Accounts

Nexus is designed for couples and partnerships. When creating joint features:

• Both partners must individually consent to shared features
• Each partner maintains independent account rights
• Joint decisions require dual authorization
• Either partner can initiate account separation protocols

3. The Nexus Constitutional Framework

Core Principles

• Personal Sovereignty: Your personal account data remains private and under your individual control
• Dual Consent: Shared features require explicit agreement from both partners
• Clarity First: All terms, features, and charges will be clearly explained
• Anti-Coercion: Features are designed to prevent financial abuse and coercion
• Right to Exit: You maintain the right to discontinue services and export your data

4. Prohibited Uses

You may not use Nexus services to:

• Engage in any unlawful, fraudulent, or deceptive activities
• Violate any applicable laws, regulations, or third-party rights
• Harm, harass, or intimidate other users (including your partner)
• Use services for money laundering, terrorism financing, or other financial crimes
• Circumvent security measures or anti-coercion protections
• Interfere with the proper functioning of the platform
• Use automated systems to access services without authorization
• Share account credentials or allow unauthorized access

5. Financial Services Compliance

When Nexus launches financial services:

Regulatory Compliance

• Services will be provided under appropriate Australian financial licenses
• We will comply with AML/CTF, privacy, and consumer protection laws
• Identity verification and due diligence will be required
• Transaction monitoring and reporting will be implemented as required

Not Financial Advice

6. Anti-Coercion & Safety Protections

Nexus includes specific protections against financial abuse:

Built-in Safeguards

• Personal Account Sanctuary: Individual financial privacy is architecturally protected
• Dual Authorization: Major changes require both partners' explicit consent
• Time-Delayed Changes: Cooling-off periods for significant modifications
• Silent Duress Signals: Confidential reporting mechanisms for coercion
• Staged Severance: Orderly account separation protocols

Reporting & Support

If you experience financial coercion:

• Use built-in reporting mechanisms (confidential)
• Contact our safety team: safety@nexuslabs.com
• Access resources for domestic violence and financial abuse support
• Initiate account protection protocols if needed

7. Data Ownership & Portability

Your relationship with your data:

• You Own Your Data: Your financial and personal data belongs to you
• Export Rights: You can export your data in standard formats
• Deletion Rights: You can request data deletion (subject to legal requirements)
• Individual Control: Each partner controls their own data independently
• No Data Hostage: We will never prevent you from accessing or exporting your data

8. Service Availability & Changes

Service terms:

• Services are provided "as is" during development phase
• We may modify, suspend, or discontinue features with notice
• Planned maintenance and updates will be communicated in advance
• We strive for high availability but cannot guarantee 100% uptime
• Beta and testing features may have reduced availability

9. Pricing & Payment Terms

Development Phase

Current development phase services are provided free of charge.

Future Pricing

• Pricing will be clearly communicated before product launch
• Early access users will receive preferential pricing
• No hidden fees or surprise charges
• Transparent fee structure aligned with constitutional principles
• Option to cancel or downgrade services

10. Limitation of Liability

To the maximum extent permitted by law:

• Services are provided on an "as is" and "as available" basis
• We disclaim warranties regarding accuracy, completeness, or availability
• We are not liable for indirect, incidental, or consequential damages
• Our total liability is limited to amounts paid by you in the past 12 months
• These limitations do not apply to gross negligence or willful misconduct

11. Account Termination

Your Right to Terminate

You may terminate your account at any time by:

• Using account closure features within the platform
• Contacting customer support
• Following the Staged Severance Protocol for partnership accounts

Our Right to Terminate

We may suspend or terminate accounts for:

• Violation of these terms
• Suspected fraudulent or illegal activity
• Failure to comply with identity verification requirements
• Extended inactivity (with advance notice)

12. Dispute Resolution

For disputes:

• Direct Resolution: Contact us first at disputes@nexuslabs.com
• Mediation: We encourage mediation for complex disputes
• Australian Law: Terms are governed by Australian law
• Jurisdiction: Courts of Australia have exclusive jurisdiction

13. Changes to Terms

We may update these terms as Nexus develops:

• Notice: Significant changes will be communicated via email
• Review Period: You'll have time to review changes before they take effect
• Acceptance: Continued use constitutes acceptance of updated terms
• Right to Object: You may close your account if you disagree with changes

14. Contact Information

For questions about these terms: