Terms of Use
Last Updated: November 30, 2025
Welcome to joiner-core. These Terms of Use govern your access to and use of our website, services, and AI-driven expense categorization platform. By accessing or using our services, you agree to be bound by these terms.
1. Acceptance of Terms
By creating an account, accessing our website at joiner-core.digital, or using any of our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use our services.
We reserve the right to modify these terms at any time. Your continued use of our services after changes are posted constitutes acceptance of the modified terms.
2. Description of Services
joiner-core provides professional online consultation services with a focus on AI-driven expense categorization solutions. Our services include but are not limited to:
- Automated expense categorization using artificial intelligence
- Financial data analysis and reporting
- Professional consultation and recommendations
- Digital tools for expense management
- Remote communication and support services
We reserve the right to modify, suspend, or discontinue any aspect of our services at any time without prior notice.
3. User Accounts and Registration
3.1 Account Creation
To access certain features of our services, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
3.2 Account Security
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must:
- Use a strong password and keep it confidential
- Notify us immediately of any unauthorized use of your account
- Ensure that you log out from your account at the end of each session
- Not share your account with others
3.3 Account Termination
We reserve the right to suspend or terminate your account at any time for any reason, including violation of these terms, without prior notice or liability.
4. Acceptable Use Policy
You agree to use our services only for lawful purposes and in accordance with these terms. You agree not to:
- Violate any applicable laws or regulations
- Infringe upon the rights of others, including intellectual property rights
- Transmit any harmful, threatening, abusive, or offensive content
- Attempt to gain unauthorized access to our systems or networks
- Interfere with or disrupt the integrity or performance of our services
- Use automated systems or bots to access our services without permission
- Reverse engineer, decompile, or disassemble any aspect of our services
- Use our services to compete with us or develop competing products
- Upload or transmit viruses, malware, or other malicious code
- Collect or harvest information about other users without consent
5. Intellectual Property Rights
5.1 Our Content
All content, features, and functionality of our services, including but not limited to text, graphics, logos, icons, images, audio clips, data compilations, software, and AI algorithms, are the exclusive property of joiner-core or its licensors and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
5.2 Limited License
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our services for your personal or internal business purposes. This license does not include any right to:
- Modify or copy our materials
- Use our materials for commercial purposes
- Remove any copyright or proprietary notations
- Transfer the materials to another person or entity
5.3 User Content
You retain ownership of any data, files, or content you submit to our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, process, and analyze such content solely for the purpose of providing and improving our services.
6. Payment and Billing
6.1 Fees
Certain aspects of our services may require payment of fees. All fees are quoted in the currency specified on our website and are non-refundable unless otherwise stated.
6.2 Payment Methods
You agree to provide current, complete, and accurate billing information. You authorize us to charge your designated payment method for all fees incurred.
6.3 Automatic Renewal
Subscription services automatically renew at the end of each billing period unless you cancel before the renewal date. You are responsible for all charges incurred prior to cancellation.
6.4 Late Payment
If payment is not received by the due date, we reserve the right to suspend or terminate your access to services until payment is made in full.
7. Data Privacy and Security
Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy. By using our services, you consent to our data practices as described in the Privacy Policy.
While we implement reasonable security measures to protect your data, no system is completely secure. You acknowledge that you use our services at your own risk.
8. AI Technology and Accuracy
Our AI-driven expense categorization technology is designed to assist with financial management, but it may not always be accurate or complete. You acknowledge that:
- AI categorizations are suggestions and should be reviewed for accuracy
- Results may vary based on data quality and complexity
- We do not guarantee the accuracy, completeness, or reliability of AI-generated results
- You are solely responsible for reviewing and verifying all categorizations
- Our AI technology continuously learns and improves, which may affect results over time
9. Professional Advice Disclaimer
Our consultation services and AI tools are provided for informational purposes only and do not constitute professional financial, legal, tax, or accounting advice. You should consult with qualified professionals before making any financial decisions based on our services.
We do not guarantee any specific results or outcomes from using our services.
10. Third-Party Services and Links
Our services may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, policies, or practices of any third-party websites or services. Your use of third-party services is at your own risk and subject to their terms and conditions.
11. Limitation of Liability
To the maximum extent permitted by law, joiner-core and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:
- Loss of profits, revenue, or data
- Loss of business opportunities
- Service interruptions or delays
- Errors or inaccuracies in categorizations or reports
- Unauthorized access to or alteration of your data
Our total liability for any claims arising from or related to our services shall not exceed the amount you paid to us in the twelve months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
12. Indemnification
You agree to indemnify, defend, and hold harmless joiner-core and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable legal fees, arising out of or in any way connected with:
- Your use or misuse of our services
- Your violation of these Terms of Use
- Your violation of any rights of another person or entity
- Your content or data submitted to our services
13. Warranties Disclaimer
Our 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:
- Warranties of merchantability or fitness for a particular purpose
- Warranties of non-infringement
- Warranties that services will be uninterrupted, secure, or error-free
- Warranties regarding the accuracy, reliability, or completeness of content
We do not warrant that our services will meet your requirements or that defects will be corrected.
14. Service Availability
We strive to maintain high availability of our services, but we do not guarantee uninterrupted access. Our services may be unavailable due to:
- Scheduled or emergency maintenance
- Technical difficulties or system failures
- Force majeure events beyond our control
- Actions by third-party service providers
We are not liable for any losses or damages resulting from service unavailability.
15. Modifications to Services
We reserve the right to modify, update, or discontinue any aspect of our services at any time without prior notice. We may also impose limits on certain features or restrict access to parts or all of our services without liability.
16. Termination
16.1 Termination by You
You may terminate your account at any time by contacting us at info@joiner-core.digital or through your account settings. Termination does not relieve you of any obligations to pay outstanding fees.
16.2 Termination by Us
We may terminate or suspend your access to our services immediately, without prior notice or liability, for any reason, including breach of these terms. Upon termination, your right to use our services will immediately cease.
16.3 Effect of Termination
Upon termination of your account:
- Your access to services will be disabled
- We may delete your data after a reasonable retention period
- You remain liable for all charges incurred prior to termination
- Provisions of these terms that by their nature should survive will survive termination
17. Dispute Resolution
17.1 Informal Resolution
If you have any dispute with us, you agree to first contact us at info@joiner-core.digital and attempt to resolve the dispute informally for at least thirty days before initiating any formal proceedings.
17.2 Arbitration Agreement
Any dispute arising from or relating to these terms or our services shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.
17.3 Class Action Waiver
You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
18. Governing Law
These Terms of Use shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles. You consent to the exclusive jurisdiction of the appropriate courts for any disputes arising from these terms.
19. General Provisions
19.1 Entire Agreement
These Terms of Use, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and joiner-core regarding our services.
19.2 Severability
If any provision of these terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
19.3 Waiver
Our failure to enforce any right or provision of these terms will not be considered a waiver of those rights. Any waiver of any provision of these terms will be effective only if in writing and signed by us.
19.4 Assignment
You may not assign or transfer these terms or your account without our prior written consent. We may assign our rights and obligations under these terms without restriction.
19.5 Force Majeure
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, riots, labor disputes, or governmental actions.
19.6 No Agency
No agency, partnership, joint venture, or employment relationship is created between you and joiner-core as a result of these terms or your use of our services.
20. Contact Information
If you have any questions, concerns, or complaints about these Terms of Use or our services, please contact us:
joiner-core
6/45 Tiwanon 50 Alley, ท่าทราย เมือง
Nonthaburi 11000, Thailand
Phone: +6621589191
Email: info@joiner-core.digital
Website: joiner-core.digital
By using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.