Back

Terms of Service

This is a current draft prepared in good faith. It is being reviewed by legal counsel and may be updated before it becomes our final published terms. If you have questions in the meantime, please contact us using the details below.

Last updated: June 2026

1. Acceptance of these terms

These Terms of Service (“Terms”) govern your access to and use of Nanami (“Nanami”, “the App”, “we”, “us”, “our”). By creating an account or using the App, you agree to these Terms. If you do not agree, please do not use the App.

2. The service

Nanami is a personal insurance document management tool. It helps you upload, organise, and understand your own insurance documents, and it produces automated summaries, gap analysis, reminders, and similar insights based on the documents you provide.

The App provides information only. It is not financial, legal, or insurance advice. The App does not provide financial advice, insurance recommendations, or guidance on purchasing, modifying, or cancelling insurance policies. Any analysis, insights, or suggestions provided by the App are automated outputs based on the documents you upload and are intended solely to help you organise and understand your own insurance information.

Before making any decisions about your insurance coverage, you should consult with a licensed insurance broker, financial advisor, or other qualified professional who can provide advice tailored to your specific circumstances.

3. Your account

To use most features you need an account. You are responsible for keeping your login credentials secure and for all activity that happens under your account. You must give us accurate information and keep it up to date. Tell us promptly if you believe your account has been accessed without your permission.

4. Acceptable use

When using the App, you agree not to:

  • Upload documents or information you do not have the right to share with us.
  • Use the App for any unlawful, fraudulent, or harmful purpose.
  • Attempt to access another user’s account or information.
  • Interfere with, disrupt, or attempt to gain unauthorised access to the App or its systems.
  • Reverse engineer, scrape, or copy the App except as permitted by law.

We may suspend or close accounts that breach these Terms.

5. Intellectual property

The App, including its software, design, and content (other than the documents and information you provide), is owned by us or our licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable right to use the App for its intended purpose. You keep all rights in the documents and information you upload.

6. Accuracy of information

While we strive to accurately extract and display information from your uploaded documents, we cannot guarantee the accuracy, completeness, or reliability of the extracted data. The automated extraction process may contain errors, and you should always verify important information against your original policy documents.

Policy terms, conditions, coverage limits, and other details shown in the App are extracted from your documents using automated technology and may not reflect the complete or current terms of your insurance policies.

You are solely responsible for:

  • Verifying the accuracy of all extracted information.
  • Maintaining adequate insurance coverage for your needs.
  • Meeting all policy obligations and renewal deadlines.
  • Keeping your original policy documents safe and accessible.
  • Seeking professional advice when needed.

7. Disclaimers

The App is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, to the maximum extent permitted by law. We do not warrant that the App will be uninterrupted, error-free, or secure. Any mention of insurance providers, products, or services within the App does not constitute an endorsement or recommendation, and we are not affiliated with any insurance company unless explicitly stated.

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you have under the Australian Consumer Law or other law that cannot lawfully be excluded.

8. Limitation of liability

To the maximum extent permitted by law, we shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of the App, including but not limited to:

  • Errors or omissions in extracted data.
  • Missed renewal dates or lapsed coverage.
  • Decisions made based on information displayed in the App.
  • Loss of data or documents.
  • Any gaps or overlaps in your insurance coverage.

Where liability cannot be excluded but can be limited, our liability is limited to the maximum extent permitted by law.

9. Governing law

These Terms are governed by the laws of New South Wales, Australia. You and we submit to the non-exclusive jurisdiction of the courts of New South Wales and the courts that hear appeals from them.

10. Changes to these terms

We may modify these Terms from time to time. When we make material changes, we will take reasonable steps to let you know. Your continued use of the App after changes take effect constitutes acceptance of the updated Terms.

11. Contact

If you have questions about these Terms, please contact us at hello@nanami.com.au.

Back