Terms of service.

1. The agreement

By using Hoist Assets, you agree to these terms. "Hoist Assets" means the website, API, MCP server, and dashboard operated by HoistAI Pty Ltd (ABN 11 695 718 659) ("we", "us"). "You" means the individual or organisation accessing the service.

2. Your account

• You must be at least 18 and authorised to bind the organisation you're signing up for.
• Keep your credentials private. You're responsible for activity under your API keys and user accounts.
• One human per account. Don't share logins.

3. What you can do

Within your subscription tier and applicable laws, you can use Hoist Assets to run PPSR searches, ABN/GST lookups, and retrieve records, and store the results.

4. What you can't do

• Attempt to circumvent the org-only boundary (the system rejects individual-grantor searches; don't try to fool it).
• Resell our service as a wholesale product without a separate written agreement.
• Use the service to harass, surveil, or otherwise harm individuals — the law of Australia (and ours) draws clear lines.
• Reverse-engineer or attempt to extract our pricing engine, audit-chain hashing logic, or routing infrastructure beyond what's open-source.
• Run automated workloads at a volume that materially degrades the service for others (fair-use rate limits apply).

5. Pricing and payment

• Prices in AUD ex GST as published at /pricing.
• Subscription tiers bill monthly or annually as you choose. Overages bill at the per-search API rate.
• Card via Stripe. Annual plans support BPay on request.
• Failed payment: we'll retry, email you, and pause new searches if unresolved after 7 days. Records remain accessible.

6. Cancellation and refunds

• Cancel any time from the dashboard.
• 14-day pro-rated refund window on Pro and Team for new customers.
• No refunds on consumed AFSA searches (we already paid AFSA).
• Records remain accessible for 30 days post-cancellation; export any time.

7. Service availability

We target 99.9% monthly availability for the API and MCP endpoints. We don't promise individual searches will always succeed — AFSA has outages, registers go offline for maintenance. We credit the workflow fee on failed searches; the A$2 AFSA fee is non-refundable when AFSA itself processes the request.

8. Data ownership

• You own the records you generate. Export, delete, or transfer any time.
• We retain the right to keep audit-chain hashes indefinitely (no PII) so historic verification works.
• Aggregated, de-identified usage statistics may be used by us for product improvement and benchmarking.

9. Liability

We provide the service "as is" subject to the Australian Consumer Law (which can't be excluded). Our aggregate liability for any claim is capped at the fees you paid us in the 12 months preceding the claim. We're not liable for indirect, consequential, or lost-profit damages.

To be plain about it: don't rely on a Hoist Assets record as the sole basis for a multi-million-dollar credit decision without doing your own broader due diligence. We're one piece of evidence; not the whole picture.

10. Changes to the service or terms

We may update the service and these terms. Material changes get 30 days notice by email plus a /changelog entry tagged terms. Continued use after the effective date means acceptance; if you don't accept, cancel within the notice window for a pro-rated refund.

11. Governing law

Laws of New South Wales, Australia. Exclusive jurisdiction in NSW courts. We'd much rather work it out by email first.

12. Contact

Legal contact: [email protected].