Terms of Service

1. Introduction and Acceptance

These Terms of Service (“Terms”) govern your access to and use of the Talent Cluster website, applications, and related services (together, the “Service”), operated by HubCore Consulting LTD, a company registered in New Zealand (“Talent Cluster”, “we”, “us”, “our”).

By creating an account or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, you must not use the Service.

2. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, and capable of forming a binding contract, to create an account. The Service is directed at users in New Zealand and Australia; if you access it from another jurisdiction, you are responsible for compliance with local law.

3. Description of the Service

Talent Cluster provides tools to help job seekers prepare for job applications, including:

• an AI-assisted resume and cover-letter builder, including template selection and PDF export;
• an ATS (Applicant Tracking System) compatibility checker that scores and provides feedback on a resume against a job description;
• Job Market Insight — aggregated, anonymized job-market data and visualizations sourced from third-party datasets; and
• a Dashboard for tracking resumes and cover letters created for job applications.

Some features are generated using third-party artificial-intelligence models. See Section 9 (AI-Generated Content) and our Privacy Policy for details of how your content is processed.

4. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. Notify us immediately at info@talentcluster.co.nz if you suspect unauthorised use. We may suspend or terminate accounts that provide false registration information or violate these Terms.

5. Free and Premium Plans

AI-assisted features are subject to a daily usage limit, which differs between the Free and Premium plans and resets each day. The limits may be adjusted from time to time to keep the Service stable and available to all users; the current limit applies at the time you use the feature.

6. Subscription Billing, Auto-Renewal, and Cancellation

Premium is billed on a recurring (e.g. monthly) subscription basis through our payment processor, Stripe. We do not store your full card details; Stripe processes and stores payment information under its own terms and privacy policy.

Your subscription automatically renews at the end of each billing period unless you cancel before the renewal date. Cancelling stops future charges; you retain Premium access until the end of the period already paid for.

If a renewal payment fails, we will attempt to notify you and provide a grace period of 3 days during which Premium access is maintained. If payment is not resolved within that period, your account is downgraded to the Free plan as described in Section 8.

Prices are shown in New Zealand dollars (NZD) inclusive of GST where applicable, unless stated otherwise at checkout.

7. Refunds

We offer a limited, self-service refund on the following terms:

• You may request a refund of your most recent Premium payment at any time via the self-service refund option in your account, or by contacting info@talentcluster.co.nz. There is no fixed refund window; however, only the most recent charge is eligible — once your next billing cycle has been successfully charged, the prior charge is no longer eligible for a refund.
• Approved self-service refunds are for the full amount of the eligible charge.
• We may review accounts with repeated refund requests.

What happens when you take a self-service refund.

• Your Premium subscription is cancelled immediately and Premium access is revoked immediately (no further renewal charges will occur).
• Your account is downgraded to the Free plan. As with any downgrade (Section 8), your most recently edited resume and most recently edited cover letter remain fully accessible and editable as ordinary Free-plan documents. Any further resumes or cover letters are handled as described below.
• You keep your account and may continue to use the Free plan, including creating new resumes and cover letters. Taking a self-service refund does not affect your ability to subscribe to Premium again in future.

Optional deletion of your content. At the point of requesting a self-service refund, you will be offered a separate, optional choice to permanently delete all resumes and cover letters saved in your account. This choice is presented separately from the refund itself and is off by default — a refund does not delete your content unless you expressly select this option.

Important: if you choose to delete your content, that deletion is permanent and cannot be undone. We recommend downloading any documents you wish to keep before making this choice.

Exceptional refunds. These self-service terms do not limit any non-excludable right you may have. If you believe your situation warrants an exception (for example, an unauthorised or mistaken charge), contact info@talentcluster.co.nz. Exceptional refunds handled directly by our team are considered case-by-case and are not subject to the optional deletion step described above.

Nothing in this section limits any non-excludable right you may have under the Consumer Guarantees Act 1993 or the Fair-Trading Act 1986 (New Zealand), or under the Australian Consumer Law where it applies to you, to a remedy where the Service has not been provided with reasonable care and skill or is not fit for purpose. Where such a right applies, contact us and it will be assessed outside the self-service flow described above.

8. Payment Disputes, Chargebacks, and Downgrades

If a payment is disputed or charged back through your card issuer, we will immediately revoke Premium access pending resolution, and the dispute will be recorded and visible to our administrators.

If your account has previously received a refund (whether a self-service refund under Section 7 or an exceptional refund handled by our team) and a chargeback or dispute is later raised on the account, we treat this as a possible duplicate recovery attempt. We reserve the right to suspend your account’s ability to log in, and to require repayment of the duplicated amount before access is restored. These cases are reviewed and handled manually.

Content on downgrade. If your account is downgraded from Premium to Free (by cancellation taking effect at the end of a paid period, by failed renewal after the grace period in Section 6, by chargeback, or by self-service refund under Section 7), your most recently edited resume and most recently edited cover letter remain fully accessible and editable — matching the Free plan’s standard limit of one resume and one cover letter. Any further resumes or cover letters are not deleted; they are locked (inaccessible for viewing, editing, or download) and are automatically restored to full access if you subscribe to Premium again.

Before your subscription ends: if you have more than one resume or cover letter saved, note that only your single most recently edited resume and cover letter remain editable on the Free plan on downgrade. The rest are locked, not deleted, and can be unlocked at any time by resubscribing to Premium.

9. AI-Generated Content

Certain features (including resume/cover-letter drafting assistance and ATS feedback) use third-party generative AI models to process the information you provide and generate suggested text or scores.

AI-generated output is provided as a drafting aid only. It may contain factual inaccuracies, generic phrasing, or errors, and does not constitute professional career, legal, or employment advice. You are solely responsible for reviewing, editing, and verifying any AI-generated content before using it, including for the accuracy and truthfulness of any claims about your own experience or qualifications.

ATS compatibility scores are indicative estimates based on our algorithms and the AI model’s assessment. They do not guarantee how any specific employer’s actual applicant tracking system, or any human reviewer, will treat your resume.

10. No Guarantee of Employment Outcomes

Talent Cluster is a preparation tool. We do not guarantee that use of the Service will result in interviews, job offers, or employment of any kind. Job Market Insight data is aggregated from third-party sources for general informational purposes only, is not verified for completeness or currency, and should not be relied on as the sole basis for career or financial decisions.

11. Your Content

You retain ownership of the personal and professional information, and any resume or cover-letter content, that you input into the Service (“User Content”).

You grant us a limited, non-exclusive licence to store, process, reproduce, and transmit your User Content (including to our AI and infrastructure sub-processors listed in the Privacy Policy) solely to the extent necessary to provide and improve the Service to you.

You represent that you have the right to submit your User Content and that it does not infringe any third party’s rights or contain unlawful material.

12. Our Intellectual Property

The Service, including its software, design, templates, and Talent Cluster branding, is owned by or licensed to HubCore Consulting LTD and is protected by copyright, trade mark, and other intellectual-property laws. Except for the licence needed to use the Service as intended, no rights are granted to you in our intellectual property. You may not copy, reverse-engineer, resell, or redistribute the Service or its templates.

13. Acceptable Use

You must not: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorised access to the Service or other users’ accounts or data; (c) scrape, harvest, or bulk-extract data from the Service, including Job Market Insight data, without our written consent; (d) upload malicious code; or (e) impersonate another person or misrepresent your affiliation with any entity.

14. Third-Party Services

The Service relies on third-party providers, including our AI processing provider, Stripe for payments, and cloud infrastructure and data providers used for Job Market Insight. We are not responsible for the availability, accuracy, or content of third-party services, and your use of them may be subject to their own terms.

15. Termination

You may stop using the Service and delete your account at any time via account settings or by contacting us. We may suspend or terminate your account, with or without notice, if we reasonably believe you have breached these Terms, engaged in fraudulent or unlawful activity, or if required by law.

16. Disclaimer of Warranties

To the maximum extent permitted by law, the Service is provided “as is” and “as available” without warranties of any kind, whether express or implied, including as to accuracy, reliability, or fitness for a particular purpose. This does not affect any guarantee that cannot lawfully be excluded, including under the Consumer Guarantees Act 1993 (NZ) or the Australian Consumer Law where either applies to you as a consumer.

17. Limitation of Liability

To the maximum extent permitted by law, and subject to Section 16, HubCore Consulting LTD’s total liability arising out of or relating to the Service is limited to the amount you paid us in the 12 months preceding the event giving rise to the claim. We are not liable for indirect, consequential, or special losses, including loss of employment opportunity, loss of income, or loss of data.

18. Indemnity

You agree to indemnify HubCore Consulting LTD against claims, losses, and expenses arising from your breach of these Terms or misuse of the Service, except to the extent caused by our own negligence or breach.

19. Governing Law and Disputes

These Terms are governed by the laws of New Zealand, and you submit to the non-exclusive jurisdiction of the New Zealand courts. Nothing in this clause deprives a consumer resident in Australia of the protection of mandatory consumer-protection laws that apply to them. If you have a complaint, please contact us first at info@talentcluster.co.nz so we can try to resolve it directly. Consumer disputes may be brought in the New Zealand Disputes Tribunal.

20. Changes to these Terms

We may update these Terms from time to time. Material changes will be notified via the Service or by email before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

21. Contact

HubCore Consulting LTD, trading as Talent Cluster
Address: Level 2A, 10 College Hill, Freemans Bay, Auckland, New Zealand, 1011
Email: info@talentcluster.co.nz
Website: https://talentcluster.co.nz