DISCLAIMER

1. General Information

This disclaimer ("Disclaimer") applies to the HelloNoa website located at https://hellonoa.com and the services provided by HelloNoa GmbH i.G. ("Company," "we," "us," or "our").

By accessing or using our Website and services, you acknowledge and agree to the terms of this Disclaimer. If you do not agree, please discontinue use immediately.

2. Not Legal Advice

You should consult with a qualified solicitor, accountant, or tax advisor regarding:

• The legal validity and enforceability of contracts in your jurisdiction
• Tax obligations and compliance requirements
• Accounting and bookkeeping standards
• Industry-specific regulations and licensing requirements
• Any legal matter specific to your business

The document templates and content provided through HelloNoa are generic in nature and may not be suitable for your specific circumstances. Laws vary by jurisdiction and change over time.

3. No Guarantee of Accuracy

While we make reasonable efforts to ensure the accuracy and currency of information on our Website:

• Information may contain inaccuracies or typographical errors
• We do not warrant the completeness or reliability of any information
• Content may become outdated and may not be updated immediately
• We make no representations about the suitability of templates for any purpose

4. "As Is" and "As Available" Basis

Our Website and services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or timeliness
• Uninterrupted or error-free operation

5. Limitation of Liability

To the maximum extent permitted by Swiss law:

• We shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages resulting from your use of the Service
• This includes, but is not limited to, damages for loss of profits, goodwill, data, or other intangible losses
• Our total liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the amount you paid us in the 12 months prior to the claim
• We are not liable for any failure or delay in performance resulting from circumstances beyond our reasonable control

6. User Responsibility

You acknowledge and agree that:

• You are solely responsible for evaluating the accuracy, completeness, and usefulness of all information, content, and services provided
• You use the Service at your own risk and discretion
• You are responsible for ensuring compliance with all applicable laws and regulations
• You are responsible for the accuracy of data you input into the system
• You should maintain backup copies of your important data
• You should review all generated documents before signing or sending them

7. Third-Party Content and Services

Our Website may contain links to third-party websites or integrate with third-party services (such as Stripe, Legalesign, Calendly, Google Drive, Dropbox). We:

• Do not endorse, control, or assume responsibility for third-party content or services
• Are not liable for any damages arising from your use of third-party services
• Make no warranties regarding third-party services or their availability
• Advise you to review the terms and privacy policies of third-party services

8. No Warranty on Data Security

While we implement industry-standard security measures, we cannot guarantee absolute security. No method of transmission over the Internet or electronic storage is 100% secure. You acknowledge that:

• You transmit data to us at your own risk
• We cannot guarantee that unauthorised third parties will never be able to access your data
• You should maintain your own backups of critical business data

9. Testimonials and Results Disclaimer

Any testimonials, case studies, or success stories displayed on our Website represent individual experiences and do not guarantee that you will achieve similar results. Results may vary based on:

• Your individual circumstances and business model
• The effort and strategy you apply
• Market conditions and industry factors
• Your existing client relationships

10. Pricing and Service Changes

We reserve the right to:

• Modify, suspend, or discontinue any part of the Service at any time
• Change pricing with reasonable notice (see Terms of Service)
• Introduce new features that may be subject to additional fees
• Limit features available on certain subscription tiers

11. No Professional Relationship

Your use of HelloNoa does not create any:

• Attorney-client relationship
• Accountant-client relationship
• Financial advisor relationship
• Fiduciary duty on our part

12. Tax Disclaimer

13. VAT and Stripe Tax Disclaimer

You acknowledge and agree that:

• Tax calculations are provided by Stripe Tax based on the billing address you provide
• For UK customers, VAT at 20% is added to subscription prices
• We do not guarantee the accuracy, completeness, or suitability of any tax calculation for your specific situation
• Tax rates and rules change frequently; calculations may not reflect the most recent changes in tax law
• You are solely responsible for providing accurate billing information
• If you provide incorrect information resulting in incorrect tax calculation, you remain liable for any tax shortfall
• We are not liable for any penalties, interest, or other costs arising from incorrect tax calculations
• The invoices and receipts we provide are for your records only; you should verify tax amounts with your accountant
• We do not provide VAT refunds or corrections after the fact; disputes should be raised within 30 days of the charge

For VAT-Registered Businesses: Most HelloNoa users are individual freelancers who are not VAT-registered. If you are a VAT-registered business and provide your VAT number during checkout, we will validate it against HMRC. If valid, the reverse charge mechanism may apply and you will be responsible for accounting for VAT in your own returns. We are not liable if the reverse charge is incorrectly applied due to invalid VAT numbers or changes in your registration status.

Your Invoices to Clients: When you use HelloNoa to generate invoices for your clients, you are responsible for calculating and applying the correct VAT/tax rates. Most UK freelancers are not VAT-registered (turnover under £90,000) and should not charge VAT. HelloNoa's invoicing tools help you add VAT to invoices if needed, but we do not automatically determine whether you should charge VAT or at what rate. Consult an accountant regarding your VAT obligations.

14. Third-Party Service Disclaimer

HelloNoa relies on third-party services to provide our platform. We are not liable for any service interruptions, errors, or failures caused by these third-party providers:

• Stripe: Payment processing, billing, and tax calculation. We are not liable for Stripe outages, payment failures, incorrect tax calculations by Stripe, or delays in payment processing.
• Legalesign: Electronic signature services. We are not liable for e-signature service unavailability or failures in document signing.
• Render: Application hosting. We are not liable for hosting outages or infrastructure failures.
• AWS: Data storage and backups. We are not liable for cloud storage failures or data centre outages.
• Google: Authentication and calendar integrations. We are not liable for OAuth or API failures.

We make reasonable efforts to select reliable service providers and to communicate about known outages, but we cannot guarantee 100% uptime of any third-party service.

15. Liability Cap

To the maximum extent permitted by Swiss and applicable law:

• Our total aggregate liability to you for any claims arising from or related to the Service or this Disclaimer shall not exceed the total amount you paid to us in the 12 months preceding the claim
• This cap applies regardless of the form of action, whether in contract, tort (including negligence), strict liability, or otherwise
• This limitation does not apply to liability that cannot be excluded or limited under applicable law (e.g., fraud, gross negligence, or personal injury caused by our negligence)

16. Indemnification

You agree to indemnify, defend, and hold harmless HelloNoa GmbH i.G. and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms or any applicable laws
• Your violation of any rights of another person or entity
• Any content or data you submit or share through the Service
• Any contracts or documents you create using our templates
• Incorrect tax information you provide (VAT numbers, billing addresses)

17. Force Majeure

We shall not be liable for any failure to perform our obligations where such failure results from circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, or extreme weather
• War, terrorism, civil unrest, or government actions
• Internet outages or telecommunications failures
• Cyber-attacks, data breaches, or security incidents
• Failures of third-party service providers (Stripe, Legalesign, AWS, etc.)
• Changes in law or regulation that prevent us from providing the Service

18. Jurisdiction-Specific Disclaimers

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability will be limited to the maximum extent permitted by law. If you are located in the European Union or Switzerland, statutory consumer rights may apply that cannot be waived by this Disclaimer.

19. Updates to This Disclaimer

We reserve the right to modify this Disclaimer at any time. Changes will be effective immediately upon posting to our Website. Your continued use of the Service after changes are posted constitutes acceptance of the modified Disclaimer.

20. Contact Information

If you have questions about this Disclaimer, please contact us:

21. Governing Law

This Disclaimer is governed by the laws of Switzerland. For full terms regarding disputes and jurisdiction, please refer to our Terms of Service.