Terms and Conditions

1. Acceptance of Terms

By accessing or using the Fern Pledgeontary website, requesting access to our platform, or otherwise engaging with our Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must not use the Service.

2. Eligibility

The Service is intended for individuals who are at least 18 years of age and legally capable of entering into binding agreements. By using the Service, you represent and warrant that you meet these requirements and that any information you provide to us is accurate and current.

3. Nature of the Service

Fern Pledgeontary provides an AI-driven platform intended to support passive capital growth strategies for investors. Access to certain features may require an application, review, or approval process at our discretion. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without prior notice.

• Use of the platform does not guarantee any particular outcome or level of return.
• Features described on this website may be updated, refined, or withdrawn over time.
• Access may be limited, paused, or subject to eligibility criteria determined by Fern Pledgeontary.

4. No Financial Advice

Nothing on this website or within the Service constitutes personalised financial, investment, tax, or legal advice. All content is provided for general informational purposes only. You should seek independent professional advice before making any investment decision. Fern Pledgeontary does not warrant the suitability of the Service for your individual circumstances.

5. Investment Risk

All forms of investment carry risk, including the possible loss of capital. Past performance, modelled scenarios, or illustrative figures referenced on this website are not indicative of future results. You acknowledge that any decision to use the Service or act on information provided through it is made at your own discretion and risk.

6. Account Responsibilities

If you are provided with access credentials or an account, you are responsible for maintaining their confidentiality and for all activity that occurs under your account. You agree to notify us promptly of any unauthorised use or suspected security breach.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorised access to any part of the Service, related systems, or networks.
• Interfere with, disrupt, or place undue load on the Service's infrastructure.
• Copy, reverse-engineer, or resell any part of the Service without our prior written consent.
• Misrepresent your identity or provide false information when applying for access.

8. Intellectual Property

All content on this website, including text, graphics, logos, and underlying software, is the property of Fern Pledgeontary or its licensors and is protected by applicable intellectual property laws. No part of the Service may be reproduced, distributed, or used to create derivative works without express written permission.

9. Third-Party Links and Services

The Service may reference or link to third-party websites, tools, or data sources. Fern Pledgeontary does not control and is not responsible for the content, accuracy, or practices of any third party. Inclusion of any such reference does not imply endorsement.

10. Limitation of Liability

To the maximum extent permitted by law, Fern Pledgeontary shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, or capital, arising out of or related to your use of, or inability to use, the Service. The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied.

11. Indemnity

You agree to indemnify and hold Fern Pledgeontary, its officers, employees, and affiliates harmless from any claim, liability, loss, or expense arising from your use of the Service or your breach of these Terms.

12. Suspension and Termination

We may suspend or terminate your access to the Service at our sole discretion, with or without notice, including where we reasonably believe you have breached these Terms, engaged in fraudulent activity, or where required by law. You may also request termination of your access at any time by contacting us.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our Service, legal requirements, or business practices. Any updated version will be posted on this page with a revised "last updated" date. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

14. Governing Law

These Terms are governed by the laws of New Zealand, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of New Zealand, unless otherwise required by applicable law.

15. Severability

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

16. Contact Us

If you have any questions about these Terms, please get in touch via our contact page.