Terms & Conditions

Who May Use Our Services

• • Businesses, corporations, and legal entities seeking treasury management solutions
• • Authorized representatives, CFOs, and finance team members
• • Organizations with legal capacity to enter into binding agreements
• • Users who comply with all applicable local, state, and federal laws
• • Entities that can provide accurate business and financial information

Agreement Updates

• • We may modify these terms at any time with notice to users
• • Continued use after changes constitutes acceptance of new terms
• • Material changes will be communicated via email and platform notifications
• • You may terminate your account if you disagree with changes

Additional Agreements

• • Privacy Policy governs data collection and usage practices
• • Service Level Agreements for enterprise customers
• • Integration agreements for third-party financial services
• • Data Processing Agreements for compliance requirements

Core Platform Features

• • Cash Flow Analytics: Real-time monitoring, forecasting, and trend analysis
• • AI-Powered Insights: Machine learning-driven treasury recommendations
• • Investment Optimization: Automated excess cash allocation and portfolio management
• • Risk Assessment: Liquidity monitoring, scenario planning, and stress testing
• • Compliance Tools: Regulatory reporting, audit trails, and documentation
• • Dashboard Analytics: Customizable financial dashboards and reporting

Integration Services

• • Banking Integrations: Secure connections with major financial institutions
• • ERP Connectivity: Integration with accounting and enterprise systems
• • Investment Platforms: Direct connections to approved investment providers
• • API Access: Programmatic access for custom integrations
• • Data Synchronization: Real-time financial data updates and reconciliation

Professional Services

• • Implementation consulting and platform customization
• • Treasury strategy advisory and best practices guidance
• • Training programs for finance teams and administrators
• • Ongoing support and technical assistance
• • Custom reporting and analytics development

Service Limitations

• • Services are provided on an "as is" and "as available" basis
• • We do not guarantee specific financial outcomes or returns
• • Platform availability may be affected by maintenance, updates, or technical issues
• • Third-party integrations are subject to external provider availability
• • Historical data accuracy depends on source system data quality

Account Management

• • Accurate Information: Provide truthful, complete, and current business information
• • Security: Maintain confidentiality of login credentials and account access
• • Updates: Keep contact information, business details, and financial data current
• • Authorized Access: Ensure only authorized personnel access your account
• • Multi-Factor Authentication: Enable and maintain strong authentication methods

Data Responsibilities

• • Data Quality: Ensure financial data provided is accurate and complete
• • Timely Updates: Regularly synchronize and update financial information
• • Verification: Review and validate AI-generated insights and recommendations
• • Backup: Maintain independent records of critical financial data
• • Privacy: Respect confidentiality of data shared within your organization

Compliance Obligations

• • Legal Compliance: Adhere to all applicable financial regulations and laws
• • Reporting: Maintain proper financial reporting and audit documentation
• • Tax Obligations: Comply with tax reporting requirements for investments
• • Industry Standards: Follow relevant industry best practices and guidelines
• • Internal Controls: Maintain adequate financial controls and approval processes

Prohibited Activities

• • Using the platform for illegal, fraudulent, or unauthorized purposes
• • Attempting to access, copy, or reverse engineer our proprietary technology
• • Sharing account credentials or providing access to unauthorized users
• • Submitting false, misleading, or manipulated financial information
• • Using automated tools to scrape or extract platform data without permission
• • Interfering with platform operations or attempting to breach security measures

AI and Algorithmic Limitations

• • Model Accuracy: AI predictions are based on historical data and may not predict future events
• • Data Dependencies: Recommendations quality depends on input data accuracy and completeness
• • Market Conditions: Algorithms may not account for unprecedented market events
• • Regular Updates: Models are continuously improved but may have temporary inaccuracies
• • Human Oversight: AI insights should always be reviewed by qualified financial professionals

Professional Advice Recommendation

• • Consult with qualified financial advisors for major investment decisions
• • Engage legal counsel for complex regulatory and compliance matters
• • Work with tax professionals for investment-related tax implications
• • Consider risk tolerance and financial objectives before making decisions
• • Review and understand all investment documentation before proceeding

Liability Limitations

• • FinioAI is not liable for investment losses or financial decisions based on platform insights
• • We do not guarantee the accuracy, completeness, or timeliness of financial data
• • Third-party integrations and data sources are not under our direct control
• • Platform availability may be affected by maintenance, updates, or external factors

Security Infrastructure

• • Enterprise Encryption: AES-256 encryption for data at rest and TLS 1.3 for transmission
• • Access Controls: Multi-factor authentication, role-based permissions, and IP restrictions
• • Monitoring: 24/7 security monitoring, threat detection, and incident response
• • Compliance: SOC 2 Type II, ISO 27001, and other relevant certifications
• • Auditing: Regular third-party security assessments and penetration testing

Data Privacy Rights

• • Access to personal and business data we collect and process
• • Correction of inaccurate or incomplete information
• • Deletion of data subject to legal and regulatory requirements
• • Data portability for migration to other platforms
• • Opt-out of non-essential data processing activities

Incident Response

• • Immediate containment and assessment of security incidents
• • Notification to affected customers within 24 hours of discovery
• • Coordination with law enforcement and regulatory bodies as required
• • Post-incident analysis and security improvements
• • Regular updates throughout incident resolution process

User Security Responsibilities

• • Maintain strong, unique passwords and enable multi-factor authentication
• • Immediately report suspected unauthorized access or security breaches
• • Keep devices and browsers updated with latest security patches
• • Use secure networks and avoid public Wi-Fi for sensitive operations
• • Follow your organization's internal security policies and procedures

Subscription Plans

• • Starter: Basic treasury analytics for small businesses
• • Professional: Advanced features for growing companies
• • Enterprise: Full platform access with dedicated support
• • Custom: Tailored solutions for large organizations

Payment Terms

• • Billing Cycles: Monthly or annual subscription options
• • Payment Methods: Credit cards, ACH transfers, and wire transfers
• • Auto-Renewal: Subscriptions renew automatically unless cancelled
• • Taxes: Applicable taxes added based on billing location
• • Currency: Billing in USD with local currency options available

Cancellation and Refunds

• • Cancellation: Cancel subscription at any time with 30 days notice
• • Access: Continued platform access through end of current billing period
• • Data Export: Ability to export data for 90 days after cancellation
• • Refunds: Pro-rated refunds for unused annual subscription periods
• • Enterprise: Custom cancellation terms for enterprise agreements

Usage Overages

• • Additional fees for usage exceeding plan limitations
• • Automatic notifications when approaching usage limits
• • Option to upgrade plans to accommodate increased usage
• • Transparent pricing for overage charges

Our Intellectual Property

• • Software Platform: All code, algorithms, and proprietary technology
• • AI Models: Machine learning models, training data, and predictive algorithms
• • Trademarks: FinioAI name, logos, and brand elements
• • Content: Documentation, training materials, and platform content
• • Trade Secrets: Proprietary methodologies and business processes

User License Rights

• • Limited License: Non-exclusive right to use platform for business purposes
• • Authorized Users: Access limited to designated employees and contractors
• • Geographic Scope: Usage rights limited to agreed geographic regions
• • Term: License valid during active subscription period
• • Restrictions: No rights to modify, copy, or redistribute our technology

Prohibited Uses

• • Reverse engineering, decompiling, or disassembling our software
• • Creating derivative works or competing products based on our technology
• • Using our trademarks or brand elements without written permission
• • Sharing login credentials or providing unauthorized access to third parties
• • Attempting to extract or copy our proprietary algorithms or data models

User Data Rights

• • You retain ownership of your business and financial data
• • We receive limited rights to process data for service delivery
• • Aggregated and anonymized data may be used for platform improvements
• • Data export capabilities maintain your data portability rights

Service Level Commitments

• • Uptime Target: 99.5% platform availability measured monthly
• • Response Time: Sub-second response times for standard operations
• • Data Processing: Real-time data updates with maximum 5-minute delay
• • Support: Technical support available during business hours
• • Monitoring: Continuous monitoring of platform performance and availability

Scheduled Maintenance

• • Advance Notice: Minimum 48 hours notice for planned maintenance
• • Timing: Scheduled during low-usage periods when possible
• • Duration: Maintenance windows typically 2-4 hours
• • Communication: Status updates via email and platform notifications
• • Emergency Maintenance: Immediate maintenance for critical security issues

Third-Party Dependencies

• • Banking APIs and financial data providers may experience independent outages
• • Cloud infrastructure providers (AWS, Azure) may affect platform availability
• • Internet connectivity and DNS services impact user access
• • Integration partners may temporarily suspend or limit API access

Service Credits

• • Automatic service credits for extended unplanned outages
• • Credits calculated as percentage of monthly subscription fee
• • Applied to next billing cycle or refunded upon account closure
• • Enterprise customers may have custom SLA agreements

Liability Cap

• • Total liability limited to fees paid in the 12 months preceding the claim
• • Minimum liability cap of $1,000 for small subscription plans
• • Enterprise customers may negotiate higher liability limits
• • Liability caps do not apply to gross negligence or willful misconduct

User Indemnification

• • Users agree to indemnify FinioAI for claims arising from platform misuse
• • Indemnification covers legal fees and damages from user violations
• • Protection against claims related to user data accuracy or completeness
• • Defense against third-party claims arising from user's business operations

Exceptions to Limitations

• • Data security breaches due to our gross negligence
• • Violations of intellectual property rights
• • Fraudulent or criminal acts by our employees
• • Damages that cannot be legally limited in your jurisdiction

Termination by User

• • Notice Period: 30 days written notice for subscription cancellation
• • Immediate Effect: Account closure at end of current billing period
• • Data Export: 90-day period to export data after account closure
• • Refunds: Pro-rated refunds for unused annual subscription periods
• • Access: Read-only access during data export period

Termination by FinioAI

• • Terms Violation: Immediate termination for material breaches
• • Non-Payment: Suspension after 30 days, termination after 60 days
• • Security Risk: Immediate suspension for security threats
• • Legal Requirements: Termination to comply with legal obligations
• • Notice: Written notice except for immediate security threats

Data Retention Post-Termination

• • User Data: 90 days retention for data export and recovery
• • Financial Records: 7 years retention for regulatory compliance
• • Audit Logs: 3 years retention for security and compliance
• • Anonymized Data: May be retained indefinitely for analytics
• • Secure Deletion: Cryptographic erasure after retention periods

Post-Termination Obligations

• • Immediate cessation of platform access and usage
• • Return or destruction of confidential information
• • Payment of outstanding fees and charges
• • Survival of confidentiality and intellectual property provisions

Dispute Resolution Process

• • Direct Communication: Initial attempt to resolve disputes through customer support
• • Management Escalation: Escalation to senior management for complex issues
• • Mediation: Voluntary mediation through neutral third-party mediator
• • Arbitration: Binding arbitration for unresolved disputes
• • Legal Action: Court proceedings as last resort for specific claim types

Arbitration Terms

• • Jurisdiction: Arbitration conducted under Indian Arbitration and Conciliation Act
• • Location: Arbitration hearings in Delhi, India
• • Language: Proceedings conducted in English
• • Arbitrator: Single arbitrator selected by mutual agreement
• • Costs: Each party bears their own legal costs unless otherwise awarded

Governing Law

• • Indian Law: Terms governed by laws of India
• • Jurisdiction: Courts of Delhi for non-arbitrable disputes
• • Conflict of Laws: Indian law applies without regard to conflict of laws principles
• • International Users: Local law may provide additional protections

Class Action Waiver

• • Disputes must be resolved on an individual basis
• • No class action or representative proceedings
• • No consolidation of multiple user claims
• • Exception for disputes involving intellectual property rights

Contact Channels

Response Times

• • General Inquiries: Within 48 hours during business days
• • Technical Support: Within 24 hours for standard issues
• • Critical Issues: Within 4 hours for system outages
• • Legal Matters: Within 5 business days
• • Enterprise Support: Priority support with dedicated channels

Support Hours

• • Standard Support: Monday-Friday, 9 AM - 6 PM IST
• • Emergency Support: 24/7 for critical security and system issues
• • Enterprise Support: Extended hours and weekend support available
• • Holiday Schedule: Limited support during Indian public holidays