Legal

Terms & Conditions

Please read these terms and conditions carefully before using our service.

Last updated: October 19, 2025

1. Agreement to Terms

By accessing or using FinanceAI ("Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you disagree with any part of the terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Use License

Permission is granted to temporarily use the FinanceAI API for personal or commercial purposes, subject to these restrictions:

  • You must not modify or copy the materials
  • You must not use the materials for any commercial purpose without a valid subscription
  • You must not attempt to decompile or reverse engineer any software contained in the Service
  • You must not remove any copyright or other proprietary notations from the materials
  • You must not transfer the materials to another person or "mirror" the materials on any other server

3. Account Terms

You must be 18 years or older to use this Service

You must provide your legal full name, a valid email address, and any other information requested in order to complete the signup process

You are responsible for maintaining the security of your account and password

You are responsible for all activity that occurs under your account

You may not use the Service for any illegal or unauthorized purpose

4. API Usage and Rate Limits

Your use of the FinanceAI API is subject to the following conditions:

  • You must comply with the rate limits specified in your subscription plan
  • Excessive API calls may result in temporary suspension of your account
  • You must not attempt to bypass rate limits or other technical restrictions
  • You must not share your API key with unauthorized third parties
  • API keys must be kept secure and confidential

5. Payment and Billing

For paid subscriptions, the following terms apply:

Billing Cycle: All fees are billed in advance on a monthly or annual basis, depending on your selected plan.

Payment Method: You must provide valid payment information and authorize us to charge the applicable fees.

Automatic Renewal: Your subscription will automatically renew unless you cancel before the renewal date.

Refunds: Refunds are issued on a case-by-case basis. Generally, fees are non-refundable except as required by law.

Price Changes: We reserve the right to modify our pricing with 30 days notice.

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you acknowledge that you have read and understood our privacy practices.

Data Security

We implement industry-standard security measures to protect your data. However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

7. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of FinanceAI and its licensors.

  • All trademarks, logos, and service marks are owned by FinanceAI or third parties
  • You may not use our trademarks without prior written consent
  • Data you upload remains your property, but you grant us license to process it
  • Extracted data and analysis results are provided for your use under your subscription

8. Prohibited Uses

You may not use the Service:

For any unlawful purpose or to violate any laws

To transmit any malicious code, viruses, or harmful data

To interfere with or disrupt the Service or servers

To impersonate or attempt to impersonate FinanceAI or other users

To harvest or collect information about other users

9. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will immediately cease. If you wish to terminate your account, you may simply discontinue using the Service or contact our support team.

10. Limitation of Liability

In no event shall FinanceAI, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

  • Your access to or use of or inability to access or use the Service
  • Any conduct or content of any third party on the Service
  • Any content obtained from the Service
  • Unauthorized access, use or alteration of your transmissions or content

11. Disclaimer

Your use of the Service is at your sole risk. The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement or course of performance.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of material changes by:

  • Posting the updated Terms on this page
  • Updating the "Last updated" date at the top of this page
  • Sending an email notification to your registered email address

Your continued use of the Service after any changes indicates your acceptance of the updated Terms.

14. Contact Us

If you have any questions about these Terms, please contact us:

Email: legal@financeai.com

Address: FinanceAI Inc., 123 AI Street, San Francisco, CA 94105

Phone: +1 (555) 123-4567

Acceptance of Terms

By using FinanceAI, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use our Service.