Draft — not yet in force. These terms take effect when the operating legal entity is registered and this page carries its name and an effective date. Nothing here is presented as an executed agreement.

Terms of Service

Effective date: to be set at entity registration. Operated by the Morna operating entity (registration pending) (“Morna”, “we”, “us”). These terms are a binding agreement between Morna and the person or organization that opens an account (“you”).

1. Agreement to these terms

By creating an account, connecting a source, or using Morna, you agree to these terms, our Privacy Policy, and — where you process another person’s data through the service — our Data Processing Addendum, which is incorporated by reference. If you are entering into these terms for an organization, you represent that you are authorized to bind it.

2. What Morna is

Morna is an autonomous operating service: a private team of named specialists that drafts back-office and growth work for your business on a draft-and-approve basis. Morna prepares work; you decide what happens. Anything that leaves your business or moves money is proposed to you and executed only after your explicit approval. You are responsible for the work you approve. Morna is a software service and is not a lawyer, accountant, tax adviser, broker, or fiduciary, and nothing it produces is professional advice.

3. Eligibility and accounts

You must be at least 18 and able to form a binding contract. Sign-in is passwordless; you are responsible for the security of the email account you use and for all activity under your account. Tell us promptly of any unauthorized use.

4. Early access

Morna is offered by invitation during early access. Features may change, pause, or be withdrawn, and availability is not guaranteed while in this phase. We may add, change, or remove access at our discretion. We will give reasonable notice of material changes that affect a paid subscription.

5. Your content and data

You retain all right, title, and interest in the business data you bring and in the work the service produces for you (“Your Content”). You grant us a limited, worldwide, royalty-free license to host, process, and transmit Your Content solely to provide and support the service for you. We do not sell Your Content, we do not use it to train third-party models, and we do not share one customer’s data with another. You can export Your Content and erase your workspace at any time (Settings → Erase the workspace); erasure removes your credentials, workspace state, and durable records, subject to §14 and backup rotation.

6. Connected services

When you connect a third-party tool (for example email, payments, calendar, or accounting), you authorize Morna to read from it and — only on your approval — to act through it, within the scopes you grant. Access tokens are stored encrypted at rest. Disconnecting a source revokes that access and removes its credential; records previously imported into your workspace may remain until you delete them or erase the workspace. Your use of each connected service remains governed by that provider’s own terms, and you are responsible for having the right to connect it.

7. Approvals, autonomy, and the floor

Certain actions — moving money, publishing or posting publicly, sending messages in your name, deleting data, making hiring or firing offers, and anything novel or irreversible — are “the floor”: they always require your explicit, human approval and can never be made autonomous, for any account. You may grant standing autonomy to specific reversible work, and you may revoke it at any time. Approvals are recorded in a tamper-evident log. Once you approve an action, the resulting effect on a third-party system is real and may be irreversible outside any undo window we provide.

8. Acceptable use

You will not use Morna to: send unsolicited bulk messages or spam; deceive, defraud, impersonate, or harass; infringe intellectual property or privacy rights; handle content you are not permitted to process; or violate any law or third-party terms that apply to you, including rules on automated correspondence and marketing consent. You are responsible for the lawful use of everything you approve. We may throttle or suspend usage that threatens the security, integrity, or availability of the service.

9. Fees and billing

Pricing is described on the pricing page. In short: you pay only after a witnessed, receipted win — no payment method is charged until the service recovers real, sourced value that you approved. Heavy generative work draws from a quoted credit pool disclosed before it runs; everyday operations are not metered. Fees are exclusive of taxes, which are your responsibility. Except where required by law or expressly stated, fees are non-refundable.

10. Intellectual property

The service, including its software, design, brand, and documentation, is owned by Morna and its licensors and is protected by law. These terms grant you a limited, non-exclusive, non-transferable right to use the service; they do not transfer any Morna intellectual property to you. If you send us feedback, you grant us a perpetual, royalty-free license to use it without obligation.

11. Third-party providers and model processing

We rely on infrastructure, language-model, and delivery providers to operate the service (see the Privacy Policy and DPA). Content sent for drafting is processed to generate the draft and is not used to train third-party models where the provider offers that control. We are not responsible for third-party services or their acts and omissions.

12. Disclaimers

To the fullest extent permitted by law, the service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that drafts will be accurate, complete, or error-free. The service drafts; you decide. You are responsible for reviewing work before approving it.

13. Limitation of liability

To the fullest extent permitted by law, neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill. Our total aggregate liability arising out of or relating to the service is limited to the greater of (a) the fees you paid to us in the [3] months before the event giving rise to the claim, or (b) [USD 100]. Some jurisdictions do not allow certain limitations; in that case the limitations apply to the maximum extent permitted. [Confirm with counsel for your jurisdiction.]

14. Indemnification

You will defend and indemnify Morna against third-party claims arising from Your Content, your connected services, your use of the service, actions you approved, or your breach of these terms, except to the extent caused by our own breach.

15. Term, suspension, and termination

These terms apply while you use the service. You may stop and erase your workspace at any time. We may suspend or terminate access for material breach of §8, for risk to the service or others, or as required by law, with notice where practicable. On termination we delete your personal data as described in the DPA and Privacy Policy, subject to backup rotation and any legal retention duty. Sections that by their nature should survive (5, 10, 12–14, 17–18) survive termination.

16. Changes to the service or these terms

We may update the service and these terms. For material changes to these terms we will give reasonable advance notice (for example by email or in-product). Your continued use after the effective date constitutes acceptance; if you do not agree, stop using the service and erase your workspace.

17. Governing law and disputes

These terms are governed by the laws of [JURISDICTION], without regard to conflict-of-laws rules. The parties submit to the exclusive jurisdiction of the courts of [VENUE], except that either party may seek injunctive relief to protect its intellectual property or confidential information. [If you intend to require arbitration or a class-action waiver, add it here with counsel.]

18. Miscellaneous

These terms, with the Privacy Policy and DPA, are the entire agreement between us. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these terms without our consent; we may assign them to an affiliate or successor. Neither party is liable for delay or failure caused by events beyond its reasonable control.

19. Contact

Questions about these terms: [legal@yourdomain]. The Morna operating entity (registration pending), registered address: pending.