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Terms and Conditions

HANKIQ TERMS AND CONDITIONS

EFFECTIVE DATE: FEBRUARY 19, 2026

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING THE HANKIQ PLATFORM. These Terms and Conditions ("Terms") are entered into by and between you and Aespi Limited ("Aespi", "we", "us", or "our"), a New Zealand company. These Terms govern your access to and use of www.HankIQ.com, any subdomain of such website, the HANKIQ mobile application, and all related progressive web applications (PWA) (collectively, the "Platform"), including any content, functionality, products, and services offered on or through the Platform. BY ACCESSING OR USING THE PLATFORM, OR BY CLICKING TO ACCEPT THESE TERMS, YOU ACCEPT AND AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY, INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS, YOU MUST NOT ACCESS OR USE THE PLATFORM.

1. Eligibility and Registration

You must be at least 18 years old to use the Platform. By registering an account, you represent and warrant that you are 18 years or older. If you are under 18 years old, you may not make a purchase or provide any personal information to us. You agree to provide accurate, current, and complete information when creating your account ("Account"), including your name, phone number, email address, and payment information. You agree to maintain and promptly update this information to keep it accurate and complete. You are solely responsible for maintaining the confidentiality of your Account credentials and for all activities that occur under your Account.

2. Service Description

HankIQ provides a home and vehicle maintenance documentation and inventory management platform that includes:

  • Maintenance scheduling tools with suggested maintenance tasks (provided as recommendations only)
  • Photo documentation and timestamped evidence capture capabilities
  • Inventory database with ability to upload photos, receipts, and documents
  • Insurance policy sub-limit and per-item limit tracking and alerts
  • AI-powered maintenance schedule checking and grading service ("HankAI")
  • Generation of reports from your data

The Platform is built on a privacy-focused data architecture, delivered as progressive web applications (PWA), under which we cannot independently read or access your stored User Content, as described in Section 8.

3. Subscription Plans and Pricing

3.1 Subscription Types

The Platform offers various subscription options, which may include:

  • Individual subscriptions for single properties, vehicles, or contents
  • Bundled subscriptions covering multiple categories
  • Monthly or annual billing options
  • Annual billing options payable in up to four equal installments

3.2 Pricing and Payment

Current subscription pricing is available at www.HankIQ.com/pricing and displayed during the subscription checkout process. Prices are shown in U.S. dollars (USD) unless otherwise indicated for your jurisdiction.

By subscribing, you authorize us to charge your selected payment method for the applicable subscription fee displayed at checkout, plus any monthly artificial intelligence overage charges up to a maximum of USD $5.00 per month, plus any applicable taxes, duties, or fees required by law.

We reserve the right to modify subscription pricing at any time. Price changes for existing subscribers will not take effect until the start of the next billing cycle following at least thirty (30) days' notice via email or account notification. You may cancel your subscription before the new pricing takes effect if you do not wish to pay the modified price.

3.3 Payment Terms

We accept credit cards (Visa, MasterCard, American Express, Discover), debit cards, and ACH direct debit.

IMPORTANT: YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW ON A MONTHLY OR ANNUAL BASIS (DEPENDING ON YOUR SUBSCRIPTION TYPE) UNLESS YOU CANCEL AT LEAST THREE (3) DAYS BEFORE THE END OF YOUR CURRENT BILLING PERIOD. WE WILL CHARGE YOUR PAYMENT METHOD FOR THE RENEWAL AT THE THEN-CURRENT SUBSCRIPTION RATE UNLESS YOU CANCEL IN ADVANCE.

You agree that to give effect to the automatic renewal as aforesaid you have instructed our online payment processor to store your payment credentials relating to your payment method in order to initiate the charge for the monthly and/or annual renewals and all other charges contemplated in section 3.2 above.

4. Free Trial

New users may be offered a 7-day free trial, which may be extended for an additional 7 days (total 14 days) if you meet minimum weekly data entry requirements and provide feedback supporting the program. To continue using the Platform after your trial period, you must subscribe to a paid plan before the trial expires. If you subscribe through the Platform before the extended trial period ends, that subscription date will become the start of your paid subscription. IF YOU DO NOT SUBSCRIBE BEFORE YOUR TRIAL PERIOD EXPIRES, YOUR ACCOUNT WILL LAPSE AND EXPIRE AND YOU WILL IMMEDIATELY LOSE ACCESS TO YOUR DATA. NO ACCESS PERIOD OR DATA EXPORT FACILITY WILL BE PROVIDED FOR EXPIRED TRIAL ACCOUNTS.

5. Cancellation and Refunds

5.1 Cancellation

You may cancel your subscription at any time through the user portal or by contacting us at info@HankIQ.com. Cancellations must be submitted at least three (3) days before the next billing cycle to avoid being charged for the next period.

5.2 No Refunds and Installments remain due

All subscription fees are non-refundable. If you cancel a monthly subscription, you will receive no refund for the current month. If you cancel an annual subscription, you will receive no refund or pro-rated amount for the remaining term. For annual subscribers paying in installments, all remaining installments for the current annual subscription term remain due and payable notwithstanding cancellation, and you will retain access to the Platform until the end of that annual term. There is no cost to cancel your subscription. Upon cancellation, your subscription will not renew, but you will continue to have access to the Platform through the end of your paid billing period.

6. Data Access After Termination or Cancellation

6.1 Post-Termination Export Access

Following cancellation or termination of a paid subscription (excluding trial accounts), you will retain access to the Platform for the sole purpose of exporting your data for:

  • fourteen (14) days from the effective date of termination by us for breach of these Terms or non-payment; or
  • thirty (30) days from the effective date of termination or cancellation in all other cases,

(the "Access Period"). During the Access Period, you may export your data in unencrypted, machine-readable format via the Platform's export facility. Where termination results from a failure of payment, you may reinstate full Account access at any time during the Access Period by settling all outstanding amounts owing including a reinstatement fee of USD$50.

For purposes of this Section 6.1 the effective date of cancellation is the end of the billing period in which access ceases under Section 5.

6.2 End of Access; Irreversibility

Your User Content is protected by encryption, and reading it requires security credentials associated with your active Account (see Sections 8.1 and 8.3). Upon expiry of the Access Period, the Platform will no longer read or decrypt your data. Thirty (30) days after expiry of the Access Period, the security credentials we maintain for your Account will be permanently and irreversibly deleted from our systems. Once this occurs, your encrypted data cannot be read or recovered by you, by us, or by anyone else, under any circumstances. You are solely responsible for exporting your data in unencrypted form during the Access Period.

6.3 Trial Accounts

Trial accounts that expire without conversion to a paid subscription receive no post-expiration access or export facility. The security credentials we maintain for a trial account are permanently deleted seven (7) days after expiration, after which any data associated with the trial account will be permanently unreadable.

6.4 Data Protection Rights

Nothing in this Section 6 limits any rights you may have under applicable data protection law.

7. Loyalty Rewards Program

Any Loyalty Rewards Program ("Loyalty Program") established by Aespi will only be offered in select jurisdictions. Availability, eligibility requirements, and benefits vary by jurisdiction as specified in the Loyalty Rewards Program Terms and Conditions for that jurisdiction. You must separately register for the Loyalty Program to receive any benefits. Benefits, eligibility requirements, minimum usage limits, earn-out periods, and all other terms governing the Loyalty Program are set forth in the applicable Loyalty Program Terms and Conditions for your jurisdiction. Loyalty Program benefits vary by jurisdiction and may include services, benefits, or other enhancements not available to non-Loyalty members. Registration for the Loyalty Program does not automatically entitle you to benefits; you must meet all requirements specified in the applicable Loyalty Program Terms and Conditions.

8. User Content and Data Ownership

8.1 Your Content

You retain all ownership rights in any content you upload, input, or create through the Platform ("User Content"), including photographs, documents, receipts, maintenance records, inventory data, and AI-generated content created from your prompts ("AI Output"). You represent and warrant that you own or have all necessary rights to submit your User Content and to permit its use as contemplated in these Terms. To the extent that AI Output is capable of copyright protection, you own such rights upon creation, subject to applicable law.

8.2 Limited License to HankIQ

By submitting User Content, you grant us a limited, non-exclusive, worldwide, royalty-free license to transmit, process, temporarily cache, and display your User Content solely as necessary to:

  • operate and provide the Platform and its features;
  • process User Content, including transient transmission through our systems and to third-party AI service providers, in order to generate AI Output;
  • maintain diagnostic and security systems; and
  • comply with applicable law or enforce these Terms.

We do not use your User Content or AI Output to train or improve our own or any third-party AI models.

8.3 Data Storage and Protection

Your User Content is stored locally on your device and, where enabled, as encrypted backup files in cloud storage designated and controlled by you. We do not persistently store your User Content and it is protected using encryption designed so that it can only be read through the Platform in combination with security credentials held by each of you and us. Neither we nor any third party can read your encrypted backup files independently. We cannot restore your data if it is lost, deleted, or corrupted. You are solely responsible for maintaining backup practices and safeguarding your data, your device, your account credentials, and your cloud storage credentials.

8.4 Decryption Dependency; Acknowledgment

Reading your encrypted backup files is only possible through the Platform and requires security credentials held by each of you and us. You acknowledge that: (a) without an active Account, your encrypted backup files cannot be read by you or anyone else; and (b) any data not exported in unencrypted form during the Access Period described in Section 6 will become permanently unreadable following deletion of security credentials under Section 6.2.

8.5 No Post-Termination Assistance

Except as set out in Section 6, following termination or cancellation we have no obligation to: (a) provide or facilitate decryption of any backup files; (b) disclose, release, or escrow any security credentials, materials, or processes; (c) provide data recovery, export, migration, or technical assistance; or (d) maintain any version of the Platform capable of reading your backup files. Any post-termination assistance we elect to provide is at our absolute discretion, may be conditioned on payment of our then-current professional services fees, and shall not constitute a waiver of this Section. This Section 8.5 and Section 6 survive termination.

9. ARTIFICIAL INTELLIGENCE AND AUTOMATED SYSTEMS

9.1 AI Features

HankIQ may provide features that use artificial intelligence, machine learning, or other automated systems (collectively "AI Features"), which may be identified within the Service as "Hank", "HankIQ","HankAI" or similar designations. Use of AI Features is optional.

9.2 Purpose and Scope

AI Features are designed to provide general information, insights, suggestions, analyses, and recommendations related to home maintenance, property management, asset tracking, insurance claims preparation, and related home management tasks.

9.3 No Validation or Guarantee

AI-generated outputs, including maintenance schedules, task recommendations, analyses, valuations, or other content: Are generated by probabilistic systems and may be inaccurate, incomplete, outdated, or incorrect; Have not been verified by qualified professionals; Do not account for all relevant factors including manufacturer specifications, regulatory requirements, site-specific conditions, or policy terms; and Are provided as general guidance only and do not constitute professional, legal, financial, insurance, engineering, maintenance, or safety advice.

9.4 User Responsibility

You acknowledge and agree that: You must independently verify all AI-generated information before relying on it or acting upon it. You are solely responsible for all decisions and actions taken based on AI outputs. You will take appropriate safety precautions when performing any maintenance or project work and not rely solely on AI-generated guidance. Use of AI Features and reliance on AI-generated content is entirely at your own risk.

9.5 Intended Use Only

AI Features are intended solely for home management and related purposes. HankIQ is not responsible for any attempt to use AI Features for purposes outside this intended scope.

10. Prohibited Uses

You agree not to:

  • Use the Platform in any way that violates applicable laws or regulations
  • Reverse engineer, decompile, or disassemble any portion of the Platform
  • Attempt to gain unauthorized access to the Platform or related systems
  • Upload false, inaccurate, fraudulent, or misleading information
  • Upload content that infringes intellectual property rights or violates any third party's rights
  • Introduce viruses, malware, or other harmful components
  • Use the Platform to harm, exploit, or endanger minors
  • Use automated tools (robots, spiders, scrapers) to access the Platform
  • Share your Account credentials with others or allow others to use your Account, other than members of your household who may access and use your Account under your responsibility.

11. Intellectual Property Rights

The Platform, including all content, features, functionality, software, code, design, text, graphics, logos, and trademarks (excluding User Content), is owned by Aespi Limited and is protected by New Zealand, United States, and international intellectual property laws. HankIQ, the HankIQ logo, Certified Log, and related marks are trademarks of Aespi Limited, registered in New Zealand. Unauthorized use is strictly prohibited. These Terms grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your personal, non-commercial purposes only. You may not reproduce, modify, distribute, or create derivative works from any part of the Platform without our express written permission.

12. Third-Party Services and Links

The Platform may contain links to third-party websites or integrate with third-party services. We do not endorse, control, or assume responsibility for any third-party content, products, services, or websites. Your use of third-party services is at your own risk and subject to their terms and conditions. We may make available offers or discounts from a network of third-party service providers. These providers are independent businesses; we do not endorse them and accept no liability for their services, pricing, or privacy practices. Your dealings with any provider are solely between you and that provider, subject to their terms and privacy policy. Once you leave the Platform, any data you provide to third parties is governed by their privacy policies and terms, not ours.

13. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, available at www.HankIQ.com/privacy-policy. By using the Platform, you consent to our privacy practices as described in the Privacy Policy.

14. Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that:

  • The Platform will be uninterrupted, error-free, or secure
  • Defects will be corrected
  • The Platform is free from viruses or harmful components
  • Content or information on the Platform is accurate, complete, or current
  • AI-generated content or maintenance suggestions are accurate or suitable for your specific circumstances

Suggested maintenance tasks are provided as recommendations only and do not constitute professional advice. You are responsible for determining appropriate maintenance for your property and vehicles based on manufacturer specifications, professional guidance, and your specific circumstances. Your use of the Platform is at your sole risk. You are responsible for implementing appropriate data backup and security measures.Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Consumer Guarantees Act 1993 or Fair Trading Act 1986 that cannot lawfully be excluded.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AESPI, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE PLATFORM, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Our total aggregate liability arising out of or related to these Terms or your use of the Platform shall not exceed the amount you paid to us in subscription fees during the twelve (12) months preceding the claim, or One Hundred Dollars (USD $100.00), whichever is less. Some jurisdictions do not allow the exclusion or limitation of certain warranties or liability, so the above limitations may not apply to you to the extent prohibited by applicable law. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Consumer Guarantees Act 1993 or Fair Trading Act 1986 that cannot lawfully be excluded.

16. Indemnification

You agree to defend, indemnify, and hold harmless Aespi, its affiliates, and their respective officers, directors, employees, contractors, agents, and licensors from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use or misuse of the Platform; (b) your User Content; (c) your violation of these Terms; (d) your violation of any third-party rights; or (e) any negligent or wrongful conduct by you.

17. Geographic Availability and Governing Law

The Platform is controlled and operated by Aespi from New Zealand. We make no representation that the Platform is appropriate or available for use in all locations. Access to the Platform from jurisdictions where the content or functionality is illegal is prohibited. These Terms shall be governed by and construed in accordance with the laws of New Zealand, without regard to conflict of law principles. Any disputes arising out of or related to these Terms or the Platform shall be subject to the jurisdiction of the courts of New Zealand. If you are accessing the Platform from outside New Zealand, you are responsible for compliance with local laws in your jurisdiction.

18. Dispute Resolution

18.1 Informal Resolution

Before initiating any formal dispute proceedings, you agree to contact us at info@HankIQ.com to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith within thirty (30) days.

18.2 Time Limitation on Claims

ANY CAUSE OF ACTION OR CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN TWELVE (12) MONTHS AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

19. Termination

We may terminate or suspend your Account and access to the Platform immediately, without prior notice or liability, for any reason, including without limitation: (a) any breach of these Terms; and (b) any failure to pay any amount when due in accordance with Section 3, including where your payment method fails to honour a charge or a charge is reversed or charged back. In the event of us providing you with any grace period to make good on any failed or due payment this will be at our absolute discretion and without prejudice to any of our rights, including but not limited to our right to terminate or suspend your Account and access to the Platform, without any further notice or liability, and this grace period shall in no way be construed as a waiver or abandonment of our rights in this regard and any offer of a grace period shall not, in any way, establish a precedent or set any expectations for any future grace period. Upon termination, your right to use the Platform will immediately cease, save for the limited export access set out in Section 6. All provisions of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 6 and 8, ownership provisions, warranty disclaimers, indemnification obligations, and limitations of liability.

20. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on the Platform and updating the "Effective Date" at the top. Your continued use of the Platform after changes become effective constitutes your acceptance of the revised Terms. We will provide at least thirty (30) days' notice of material changes that directly impact your rights and use of the Platform via email or account notification. It is your responsibility to review these Terms periodically. If you do not agree to the modified Terms, you must stop using the Platform and cancel your subscription.

21. Electronic Communications and Notices

By using the Platform, you consent to receive electronic communications from us, including emails, text messages, push notifications, and in-app messages. You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. We may send you service-related communications, including maintenance notifications, account updates, subscription confirmations, payment confirmations, Loyalty Program updates, and other administrative messages. You cannot opt out of service-related communications.

22. Severability and Waiver

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable. No waiver by us of any term or condition shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

23. Entire Agreement

These Terms, together with our Privacy Policy and any other policies or agreements referenced herein, constitute the entire agreement between you and Aespi regarding the Platform and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.

24. Assignment

You may not assign, transfer, or delegate these Terms or any rights or obligations hereunder without our prior written consent. We may freely assign or transfer these Terms without restriction. Any attempted assignment in violation of this section is void.

25. Contact Information

If you have questions about these Terms or the Platform, please contact us at: Aespi Limited Email: info@HankIQ.com Website: www.HankIQ.com *** BY USING THE HANKIQ PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.