Effective Date: 1^st October 2024

1. Introduction

This Legal Compliance Policy outlines the legal obligations and responsibilities of accadvisor.ai (“the Service”), a subscription-based AI chatbot providing medico-legal advice for Accident Compensation Corporation (ACC) claims in New Zealand. This policy ensures compliance with New Zealand laws and regulations governing online services, data privacy, consumer protection, and payment processing. By subscribing to the Service, users agree to the terms outlined in this policy.

2. Legal Basis for Providing Services

The Service operates within the legal framework of New Zealand, providing advice that aligns with New Zealand’s Accident Compensation Act 2001 and other relevant laws. The Service is designed to assist users in understanding their rights and obligations under ACC, but it does not replace professional legal advice from a qualified solicitor or barrister.

3. Subscription Model

• Trial Subscription: Users may opt for a 1-day trial subscription at a cost of $4.99. This trial provides full access to the Service for 24 hours.
• Monthly Subscription: Users may opt for a 1-month subscription at a cost of $49.99. This subscription renews automatically every month unless the user cancels it. Users can cancel their subscription at any time, and the Service will remain accessible until the end of the current billing period.

4. Payment Processing

• Payments for the Service are processed through Stripe, a third-party payment processor. Stripe adheres to strict industry standards for payment processing, including compliance with PCI-DSS (Payment Card Industry Data Security Standard).
• By providing payment information, users agree to Stripe’s terms and conditions, which are separate from this policy.
• All payments are securely processed, and no payment details are stored by accadvisor.ai.

5. Consumer Rights and Cancellation Policy

• Users have the right to cancel their subscription at any time through their account settings on accadvisor.ai.
• Upon cancellation, the subscription will not renew for the next billing period. Users will retain access to the Service until the end of the current billing period.
• Refunds will not be provided for partial use of the Service or unused subscription time, except as required by New Zealand consumer protection laws.

6. Data Privacy and Security

• accadvisor.ai complies with the New Zealand Privacy Act 2020. We collect, use, and store personal data in accordance with this Act and our Privacy Policy.
• Personal information is collected only to the extent necessary to provide the Service, including for subscription management, payment processing, and customer support.
• Data security measures are in place to protect personal information from unauthorized access, alteration, or disclosure. These measures include encryption, secure servers, and access controls.

7. User Responsibilities

• Users must ensure that any information provided to the Service is accurate and complete. False or misleading information may affect the quality of the advice provided.
• Users must not share their subscription account with others or use the Service in a way that violates any applicable laws or regulations.

8. Disclaimer of Liability

• The advice provided by accadvisor.ai is generated by an AI system and is intended to assist users in understanding their ACC claims. It does not constitute legal advice and should not be relied upon as a substitute for consultation with a qualified legal professional.
• accadvisor.ai is not responsible for any decisions made by users based on the advice provided by the Service. Users are encouraged to seek professional legal advice for complex or serious matters.

9. Compliance with Applicable Laws

• accadvisor.ai operates in full compliance with New Zealand laws, including but not limited to the Fair Trading Act 1986, Consumer Guarantees Act 1993, and the Privacy Act 2020.
• The Service is subject to ongoing legal review to ensure that all features and operations remain compliant with the latest legal standards.

10. Amendments to this Policy

• accadvisor.ai reserves the right to amend this Legal Compliance Policy at any time to reflect changes in the law, the Service, or other operational needs.
• Users will be notified of any significant changes to this policy, and continued use of the Service following such changes constitutes acceptance of the updated terms.

11. Contact Information

• For any questions or concerns regarding this Legal Compliance Policy, users may contact accadvisor.ai at [insert contact details].

12. Governing Law

• This policy and any disputes arising from it will be governed by and construed in accordance with the laws of New Zealand.

13. Dispute Resolution

• In the event of any dispute arising out of or in connection with this Service, the parties agree to first attempt to resolve the dispute through good faith negotiations. If the dispute cannot be resolved through negotiation, it will be submitted to mediation before a New Zealand accredited mediator.

14. Enforcement

• Any violations of this Legal Compliance Policy may result in the suspension or termination of the user’s subscription and access to the Service. Legal action may also be pursued if necessary.