1. About these Terms
These Terms of Use (the "Terms") govern your access to and use of marenn.com, the Marenn Risk free report, the Marenn Climate Mesh, the Marenn+ stewardship service, the Marenn Sentinel post-storm report, the Marenn Care Report, any future Marenn product or service whether currently in market or in development, any related software, API or data feed, and any communication between you and Marenn arising from any of the foregoing (together, the "Service").
The Service is operated by Marenn Australia Pty Ltd (ABN 44 696 505 610), a company incorporated in Queensland, Australia ("Marenn", "we", "us", "our"). "You" means the person agreeing to these Terms, on your own behalf and (where applicable) on behalf of any organisation or property you represent.
These Terms incorporate by reference our Privacy Policy and any product-specific terms presented to you at the point of sign-up or purchase (for example, the Marenn+ service agreement, an insurance product-disclosure statement and target-market determination once issued, or a Climate Mesh hosting addendum). If there is a conflict, the product-specific terms control for that product.
2. Acceptance, eligibility and capacity
By accessing the Service in any way, including by viewing marenn.com, submitting a form, downloading a report, attending an inspection or using any other feature, you agree to be bound by these Terms. If you do not agree, you must stop using the Service.
You represent and warrant that you are at least 18 years of age and have the legal capacity to enter into binding contracts. If you are agreeing on behalf of a company, trust, body corporate, partnership or other entity, you represent and warrant that you have authority to bind that entity, and "you" includes that entity. The Service is not directed at, and you may not use it on behalf of, anyone under the age of 16.
The Service is designed for Australian residents and Australian properties. Some features are limited to specific Australian regions or property types and those limits are noted on the relevant page or product page.
3. What Marenn does and does not provide
Marenn is building a vertically-integrated platform for the care, insurance and condition-monitoring of coastal residential property. Our current and prospective services include the following (the list is illustrative and not exhaustive):
- Marenn Risk — a free, address-level climate-risk report drawing on public and modelled data. General information only; not financial, insurance, legal, property or investment advice. See the disclaimer in section 13.
- Marenn+ Stewardship — a paid monthly property-care and maintenance-management membership for second-home owners. Includes the Marenn Care Report, the Property Condition Index, the Digital Home Record, SkyCheck drone roof surveys, the Marenn Access Key Safe and the Marenn Climate Station. Subject to a separate service agreement at sign-up.
- Marenn Sentinel — an as-needed post-storm exterior perimeter assessment.
- Marenn Climate Mesh — a hyperlocal weather and microclimate network powered by Marenn-installed sensor stations.
- Marenn Prevent — a coordinated trade panel for maintenance, repairs, drone surveys and inspections.
- Marenn Insurance (in development; subject to licensing) — see section 4.
- Future products and services — additional insurance products (including buildings, contents, landlord, holiday-let, motor and vehicle, liability, parametric, marine, business-pack and appliance-replacement covers), additional condition and inspection products, additional climate, weather analysis and forecasting products, financial services (renovation finance, green-energy and solar finance, EV-charger finance, mortgage broking and referrals, utilities switching), and aggregated or de-identified data products. References to a future product on marenn.com or in any Marenn communication are forward-looking and do not create any obligation on Marenn to launch that product, or any obligation on you to take it up.
Marenn does not provide financial advice, insurance advice, legal advice, tax advice, accounting advice, valuation advice, building-certification advice, engineering advice, structural advice, or any professional advice of a regulated nature, except where a particular Marenn service is delivered under a relevant Australian licence and is so identified at the point of delivery. The Service is not a substitute for professional advice; you must obtain your own advice from a qualified professional before making any decision in reliance on the Service.
4. Insurance disclaimer
Marenn Insurance is in development and is planned to launch in or around 2027, subject to all required licensing and regulatory approvals. All references to insurance on marenn.com, in Marenn communications and in the Service are forward-looking and are subject to (a) Marenn or its authorised representative or insurance partner obtaining an Australian Financial Services Licence ("AFSL") issued by ASIC or otherwise being authorised to deal in insurance under Australian law, (b) Marenn securing underwriting capacity from an APRA-authorised insurer or Lloyd's underwriter, and (c) the issue of a current Product Disclosure Statement and Target Market Determination.
As at the effective date above, Marenn Australia Pty Ltd does not hold an AFSL, no insurance product is currently offered or available for sale by Marenn, and joining any waitlist, providing your details to us, requesting a Marenn Risk report or otherwise interacting with the Service does not create an insurance contract or any obligation on Marenn to issue, offer or arrange insurance. Indications of interest are not offers, not contracts and not a guarantee that any insurance product will be available to you when it launches.
Marenn+ Stewardship is a property-care and maintenance-management service. It does not constitute insurance, does not transfer risk from you to Marenn and does not pay out on any loss or damage to your property. Members must maintain their own home, contents and other insurance arrangements at all times. Where Marenn is later licensed to arrange or distribute insurance, that activity will be expressly identified to you at the point of supply and will be subject to separate documentation.
5. Information you provide; warranties of accuracy
When you submit any form, attend any inspection, host any sensor or otherwise interact with the Service, you represent and warrant that the information you provide is accurate, complete and current; that you have the right to provide that information (including any information about a property you do not yourself own); that you are not impersonating any other person; and that you will keep your contact details and material property details current. Marenn relies on the information you provide and the Service may produce inaccurate outputs if your information is inaccurate.
You acknowledge that the Marenn Risk report and other analytical outputs draw on third-party, public and modelled data, and on AI-assisted inference from imagery (including Google Maps, Google Street View, Esri tiles, satellite imagery and our own Climate Mesh observations). These inputs may be incomplete, outdated or contain errors that flow through to the output. We use our best efforts to surface known uncertainty in the output itself, but no warranty of accuracy is given except where required by the Australian Consumer Law or other non-excludable law.
6. Marketing & promotional communications
Marenn collects marketing consent in two stages, each scoped to what we are actually contacting you about at that point. The two-stage model is set out in detail in our Privacy Policy section 4.
Stage 1 (top of funnel). If you tick the marketing-consent checkbox on the free Marenn Risk report form (/risks), you give us express opt-in consent under the Spam Act 2003 (Cth) to contact you by email only about the enumerated Marenn insurance products listed in the Privacy Policy section 4.1 as they launch, and insurance-adjacent updates (waitlist news, launch announcements, pricing previews, eligibility expansions, partner-underwriter information). This stage 1 opt-in does not extend to any other Marenn product line and does not authorise contact by SMS, telephone or post. If Marenn later adds a genuinely new insurance category outside the list enumerated in the Privacy Policy section 4.1 (for example, pet, travel, cyber or life cover), fresh express consent will be sought before any communication about that category; this stage 1 opt-in is not automatically extended to any new category.
Stage 2 (in context). If you proceed beyond the free report or waitlist into an insurance application, member onboarding, Climate Mesh hosting or another Marenn engagement, we may invite you to give separate express opt-in consent for contact about the broader Marenn platform (the categories listed in section 3 and enumerated in the Privacy Policy section 4.2) and, where you have supplied those details for a service reason, by additional channels such as SMS or phone. This stage 2 consent is collected separately at the point we are asking and is never bundled into the stage 1 opt-in.
By submitting the insurance waitlist (/insurance-waitlist) you ask us to send you the service-related communications that waitlist membership entails (quarterly build updates, your founding-cohort quote, service notices about your spot), by email only, under inferred consent. These are not marketing under the stage 1 opt-in.
You can withdraw any consent at any time, free of charge, via the unsubscribe link in any email, by replying STOP to any SMS (where SMS applies under a stage 2 opt-in), by emailing privacy@marenn.com or by writing to us at the address in section 26. Withdrawal does not affect the lawfulness of processing carried out before withdrawal and does not prevent us from sending you transactional or service-related communications (for example, the report you asked for, scheduling notifications, billing communications, security alerts and service notices).
7. Climate Mesh hosting
If you host a Marenn climate station at your venue or property, the following terms apply in addition to any separate hosting addendum we ask you to sign:
- Marenn owns the hardware. Title does not pass to you. You may not modify, move, dismantle, reverse-engineer or attempt to access the firmware of the station, and you may not allow any third party to do so.
- You agree to provide safe and reasonable rooftop and mains-power access for installation, periodic maintenance and removal, and to notify Marenn promptly of any damage, fault, vandalism, theft or other incident affecting the station.
- Marenn pays for the installation, ongoing maintenance, the data uplink and any electricity consumed by the station's gateway (negligible).
- Public-venue stations appear on the public Marenn Climate Mesh with the venue's name, address and pin. Residential stations are anonymised at the property level (see the Privacy Policy section 13).
- Either party may end the hosting arrangement on 30 days' written notice (or sooner where required for safety or legal reasons). On termination Marenn will retrieve the hardware at its own cost; you agree to provide reasonable access for retrieval. Any data already collected prior to termination is retained on the terms in the Privacy Policy.
- You acknowledge that climate stations are not warning systems and not certified safety equipment. They are research- and consumer-grade sensors. For severe-weather warnings refer to the Australian Bureau of Meteorology.
8. Stewardship, Sentinel and Marenn Prevent (when you become a member or customer)
Paid Marenn services are governed by the relevant service agreement provided to you at the point of sign-up. The following baseline terms apply in any case:
- You authorise the Marenn steward (or contracted operator) and any Marenn Prevent trade engaged in connection with the service to enter the property at agreed times to perform the agreed scope of work.
- Marenn stewards and trades are background-checked and (where the service requires) appropriately licensed and insured for their trade. You agree to disclose any property-specific safety hazards before the visit.
- Photographs, video, audio and condition records captured during a visit are owned by Marenn (subject to your privacy rights and the moral rights of the steward as the author of the captured work) and are used in accordance with the Privacy Policy.
- For maintenance authorisations, Marenn may approve and coordinate trade work up to a standard limit (currently AUD $1,000 per job) on your behalf as your agent, where you have appointed Marenn as your agent for that purpose. Above that limit, no work proceeds without your explicit per-job approval.
9. Acceptable use
You agree not to, and not to permit any other person to:
- use the Service for any unlawful, fraudulent, defamatory, harassing, threatening, obscene or harmful purpose, or in any way that could damage, disable, overburden or impair the Service;
- attempt to gain unauthorised access to any part of the Service, any Marenn account, any sub-processor system, any climate station, any other Marenn customer's data or any system or network connected to any of these;
- circumvent or attempt to circumvent any authentication, rate-limiting, anti-abuse, fraud-prevention or security feature of the Service;
- submit information that is false, misleading, deceptive, fraudulent or that you do not have the right to submit;
- scrape, mirror, crawl, harvest, frame, deep-link, redistribute, sell, license, sublicense or otherwise commercially exploit any part of the Service, the Marenn Climate Mesh display, any Marenn report, any imagery, any score or any analytical output, except where expressly permitted by a written agreement with Marenn or by mandatory law;
- use the Service or any output to train, fine-tune, distil, evaluate or benchmark any third-party machine-learning model;
- introduce any virus, worm, trojan, ransomware, time bomb, crypto-miner, key-logger or other malicious code into the Service;
- infringe any intellectual-property right, privacy right, publicity right or other right of Marenn or any third party;
- use any automated means to access, query or interact with the Service except where Marenn has provided an API and you are using it under documented API terms.
10. Intellectual property
The "Marenn" name, the wordmark, the logo, the site design, the editorial content, the report layouts, the visual presentation of the Climate Mesh, the Marenn Score formula, the Property Condition Index methodology, all source code, all documentation, the coastal data lake schemas, all trained models and weights, and all other Marenn brand and product elements are owned by Marenn Australia Pty Ltd or its licensors and are protected by copyright, trade-mark, patent, database-right and trade-secret laws in Australia and internationally. Except for the limited licence granted in section 11, no rights are granted to you in any of the foregoing.
Climate sensor data displayed publicly on the Marenn Climate Mesh is provided for personal, non-commercial, informational use only. Any other use (including bulk download, redistribution, academic publication beyond a single research paper with attribution, or any commercial use) requires a separate written licence from Marenn.
The Marenn Risk report, the Marenn Care Report and other reports produced for you are provided under a non-exclusive, non-transferable, non-sublicensable, royalty-free licence for your personal, non-commercial use in connection with the property they describe. You may share them with your professional advisors (insurer, broker, lender, conveyancer, building consultant) for their use in advising you. You may not publish them, post them online, sell them or use them for any other purpose without our written consent.
11. Limited licence to you
Subject to your compliance with these Terms, Marenn grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Service for your own personal, non-commercial use. We may suspend or terminate that licence at any time as set out in section 20.
12. Licence from you to Marenn
By submitting information to us through the Service (including form data, communications, photographs of your property, smart-home or appliance data you choose to share, sensor data from a Marenn climate station at your property, and feedback or suggestions), you grant Marenn a worldwide, perpetual, irrevocable, royalty-free, sublicensable licence to use that information for the purposes set out in the Privacy Policy, including to operate and improve the Service, to develop new products, to train and refine Marenn's own (not third-party) models, and to generate aggregated and de-identified data products. This licence survives termination. It does not authorise Marenn to identify you personally in any aggregated or de-identified product, and it is subject to your privacy rights and the express limits in the Privacy Policy.
13. General information, not advice
The Marenn Risk report, the Climate Mesh, the Property Condition Index, the Marenn Score and all other analytical outputs of the Service provide general information for educational purposes only. They are not financial, insurance, legal, property, investment, valuation, engineering, building-certification, structural or tax advice. They are not, and do not purport to be, a personal recommendation as defined by the Corporations Act 2001 (Cth). They draw on third-party, public and modelled data that may be incomplete or contain errors, and on AI-assisted inference that is subject to known limitations.
You must not rely on any output of the Service as the sole basis for any decision, including any decision to buy, sell, rent, insure, renovate, occupy or evacuate a property, or any decision affecting your safety. For safety-critical decisions in severe weather, refer to the Australian Bureau of Meteorology and your local emergency services.
14. Third-party content, embeds and links
The Service incorporates content, imagery and embedded components provided by third parties (including Google Maps, Google Places, Google Street View, Esri aerial tiles, OpenStreetMap, the Australian Bureau of Meteorology, Digital Earth Australia, the Queensland Government, NASA FIRMS, the European Space Agency Sentinel program and the United States Geological Survey Landsat program). Use of those components is subject to the third party's own terms; Marenn is not responsible for the third party's content or service. The Service may also link to third-party websites; we are not responsible for the content, accuracy or practices of those sites.
15. Service availability, beta features and changes
The Service is provided "as is" and "as available". We do not warrant that the Service will be uninterrupted, error-free, secure, accurate, complete, suitable for your purpose, or available in your location. We may add to, modify, remove or discontinue any feature, content or product at any time, with or without notice. Some features may be released as beta, preview or early-access; these may change or be withdrawn without notice and are provided with reduced warranties to the extent permitted by the Australian Consumer Law.
16. Disclaimer of warranties and limitation of liability
To the maximum extent permitted by law, Marenn excludes all warranties, conditions, representations and guarantees in connection with the Service, whether express, implied, statutory or otherwise, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, non-infringement or quiet enjoyment. Without limitation, Marenn does not warrant that the Service is free of viruses, that any defect will be corrected, or that any output is accurate or current.
To the maximum extent permitted by law:
- Marenn is not liable to you for any indirect, incidental, consequential, special, exemplary or punitive damages; for any loss of profit, revenue, business, opportunity, goodwill, anticipated savings, data, use, production or reputation; or for any loss arising from a third-party action, force majeure event, or your failure to follow professional advice from a qualified advisor;
- Marenn's total aggregate liability to you arising out of or in connection with these Terms, the Service, any output of the Service or any related cause of action (whether in contract, tort including negligence, statute, equity or otherwise) is limited, in total, to the greater of (a) the fees actually paid by you to Marenn in the 12 months immediately preceding the event giving rise to the claim, or (b) one hundred Australian dollars (AUD $100);
- The above limits apply collectively to Marenn and its officers, directors, employees, contractors, agents, affiliates, sub-processors and licensors, and to all claims aggregated together.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for personal injury or death caused by Marenn's negligence, liability for fraud or fraudulent misrepresentation, and liability under the non-excludable consumer guarantees of the Australian Consumer Law (see section 17).
17. Australian Consumer Law (mandatory carve-out)
If you are a "consumer" within the meaning of the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)), our goods and services come with guarantees that cannot be excluded under that law. You are entitled to a replacement or refund for a major failure and to compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure. Nothing in these Terms purports to exclude, restrict or modify those rights or remedies.
Where statutory consumer guarantees apply and to the extent permitted by the Australian Consumer Law, Marenn's liability for breach of a guarantee for services is limited (at Marenn's election) to: re-supplying the services; or paying the cost of having the services re-supplied. For goods, it is limited (at Marenn's election) to: replacing the goods or supplying equivalent goods; repairing the goods; paying the cost of replacing or equivalently supplying the goods; or paying the cost of repair.
18. Indemnification
You agree to defend, indemnify and hold harmless Marenn and its officers, directors, employees, contractors, agents, affiliates and licensors from and against any claim, demand, action, proceeding, loss, damage, fine, penalty, cost or expense (including reasonable legal fees) arising out of or in connection with: (a) your breach of these Terms, the Privacy Policy or any product-specific terms; (b) your misuse of the Service; (c) your infringement of any third-party right, including any intellectual-property, privacy or publicity right; (d) any inaccurate, misleading or fraudulent information you provide; or (e) your violation of any applicable law. This indemnity does not apply to the extent the loss was caused by Marenn's own negligence, breach or wilful misconduct.
19. Residents of other jurisdictions
The Service is designed for Australian residents and Australian properties. If you access the Service from outside Australia and a mandatory non-Australian law applies to you because of where you are located, the rights granted by that law apply in addition to the rights set out in these Terms, and prevail over any inconsistent provision to the extent of the conflict. You are responsible for compliance with the laws of your location, and the Service may not be available, lawful or appropriate in your jurisdiction.
20. Suspension and termination
We may suspend, restrict or terminate your access to all or part of the Service at any time, with or without notice, if we reasonably believe you have breached these Terms, if continued access creates a risk to Marenn, the Service or other users, if required by law, or for any other reasonable business reason. Termination does not affect any right, remedy, obligation or liability that has accrued before termination, and sections that by their nature survive termination (including 5, 10, 12, 13, 16, 17, 18, 21, 22, 23, 24, 25 and 26) will continue to apply.
You may stop using the Service at any time. If you have a paid membership, the termination terms in your service agreement apply.
21. Changes to these Terms
We may update these Terms from time to time as the Service evolves, as new products launch and as the law changes. The "Effective" date and version at the top of this page reflect the current version. Where changes are material we will give you at least 30 days' advance notice via the email address we hold for you (or other reasonable means). Your continued use of the Service after the effective date of an update constitutes acceptance of the updated Terms. If you do not agree, you must stop using the Service before the effective date.
22. Governing law and jurisdiction
These Terms are governed by and construed in accordance with the laws of the State of Queensland, Australia, without regard to its conflict-of-laws principles. Each party submits to the non-exclusive jurisdiction of the courts of Queensland, Australia and the courts competent to hear appeals from them. Nothing in this section deprives a consumer of the protection of mandatory provisions of the law of the country where that consumer is habitually resident.
23. Dispute resolution
Before commencing any formal proceeding, you and Marenn agree to attempt to resolve any dispute in good faith by negotiation. Either party may give the other written notice of a dispute describing it, and the parties will use reasonable efforts to resolve it within 30 days of that notice. If unresolved after 30 days, the parties may proceed to mediation (administered by the Resolution Institute or another mutually agreed Australian mediator) before any litigation. Nothing in this section prevents either party from seeking urgent interlocutory or injunctive relief in a court of competent jurisdiction.
24. General
- Severability: if any provision of these Terms is held to be invalid, illegal or unenforceable, the remaining provisions continue in full force and effect; the invalid provision is replaced by a valid provision that most closely reflects the original intent.
- No waiver: failure or delay by Marenn in exercising any right under these Terms is not a waiver of that right.
- Entire agreement: these Terms, together with the Privacy Policy and any product-specific terms, constitute the entire agreement between you and Marenn in relation to the Service and supersede all prior agreements and representations on the same subject matter, except for non-excludable consumer rights.
- Assignment: you may not assign or transfer your rights or obligations under these Terms without our written consent. Marenn may assign or novate these Terms in connection with a corporate transaction (sale, merger, restructure) on the same terms.
- Force majeure: neither party is liable for any failure or delay caused by events beyond its reasonable control, including natural disasters, severe weather, pandemic, war, terrorism, civil unrest, strike, act of government, internet outage or third-party infrastructure failure.
- Relationship: nothing in these Terms creates a partnership, joint venture, agency or employment relationship between you and Marenn, except where expressly stated for the limited purpose of maintenance authorisations (see section 8).
- Third-party rights: no third party has any right to enforce these Terms except as expressly contemplated.
- Notices: notices to Marenn must be sent to the address in section 26; notices to you may be sent to the email or postal address we hold for you, or by posting on the Service.
25. Sanctions and export
You represent and warrant that you are not located in, ordinarily resident of, or a national of a country or region subject to comprehensive Australian sanctions; that you are not on any restricted-persons list maintained by the Australian Government; and that you will not use the Service in violation of any applicable export-control or sanctions law.
26. Contact
Notices, complaints and questions about these Terms:
Marenn Australia Pty Ltd
Attn: Legal & Compliance
legal@marenn.com
Privacy: privacy@marenn.com
General: hello@marenn.com
Peregian Beach, Queensland, Australia