TERMS OF SERVICE

Last Updated: October 5, 2025

1. Acceptance of Terms

By accessing or using the fINtellect platform (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not use the Service.

2. Description of Service

fINtellect provides a financial AI agent platform that includes:

  • AI-powered financial analysis and insights
  • Data integration and management tools
  • Automated reporting and forecasting
  • Compliance monitoring capabilities

3. Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts to use this Service. By using the Service, you represent that you meet these requirements.

4. Account Registration

4.1 Account Creation

  • You must provide accurate, current, and complete information during registration
  • You are responsible for maintaining the confidentiality of your account credentials
  • You are responsible for all activities that occur under your account
  • You must notify us immediately of any unauthorized use of your account

4.2 Organization Accounts

  • If registering on behalf of an organization, you represent that you have authority to bind that organization to these Terms

5. Acceptable Use

5.1 Permitted Use You may use the Service only for lawful purposes and in accordance with these Terms.

5.2 Prohibited Activities You agree NOT to:

  • Use the Service for any illegal or unauthorized purpose
  • Attempt to gain unauthorized access to any part of the Service
  • Interfere with or disrupt the Service or servers
  • Transmit viruses, malware, or other malicious code
  • Reverse engineer, decompile, or disassemble any part of the Service
  • Use the Service to violate any applicable laws or regulations
  • Share your account credentials with unauthorized parties
  • Use automated systems to access the Service without permission
  • Manipulate or falsify financial data or reports

6. Intellectual Property Rights

6.1 Our Rights

  • The Service, including all content, features, and functionality, is owned by fINtellect
  • All trademarks, logos, and service marks are proprietary to fINtellect
  • You may not use our intellectual property without prior written consent

6.2 Your Rights

  • You retain all rights to data you input into the Service
  • You grant us a limited license to use your data solely to provide the Service

7. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of your data as described in the Privacy Policy.

8. Financial Disclaimer

8.1 Not Financial Advice

  • The Service provides information and analysis tools but does not constitute financial, investment, tax, or legal advice
  • You should consult with qualified professionals before making financial decisions
  • We are not responsible for any financial losses resulting from use of the Service

8.2 Data Accuracy

  • While we strive for accuracy, we do not guarantee that all data, analysis, or predictions are error-free
  • You are responsible for verifying information before making decisions based on it

9. Fees and Payment

9.1 Subscription Fees

  • Fees for the Service are as can be described on our pricing page
  • All fees are in USD unless otherwise stated
  • Fees are non-refundable except as required by law

9.2 Payment Terms

  • Payment is due according to your selected billing cycle
  • We may suspend or terminate your access for non-payment
  • You authorize us to charge your payment method for all fees incurred

9.3 Price Changes

  • We may change our fees with 30 days’ notice
  • Continued use after price changes constitutes acceptance

10. Service Modifications and Availability

10.1 Changes to Service

  • We reserve the right to modify or discontinue the Service at any time
  • We will provide reasonable notice of material changes when possible

10.2 Service Availability

  • We do not guarantee uninterrupted or error-free operation
  • We may perform maintenance that temporarily affects availability

11. Termination

11.1 Termination by You

  • You may terminate your account at any time through your account settings

11.2 Termination by Us

  • We may suspend or terminate your access immediately if you breach these Terms
  • We may terminate your account with 30 days’ notice for any reason

11.3 Effect of Termination

  • Upon termination, your right to use the Service ceases immediately
  • You may request a copy of your data within 30 days of termination

12. Disclaimers and Limitation of Liability

12.1 Disclaimers THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

12.2 Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINTELLECT SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify and hold harmless fINtellect and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

  • Your use of the Service
  • Your violation of these Terms
  • Your violation of any rights of another party

14. Governing Law and Dispute Resolution

14.1 Governing Law These Terms are governed by the laws of United Kingdom, without regard to conflict of law principles.

14.2 Dispute Resolution Any disputes arising from these Terms or the Service shall be resolved through binding arbitration, except that either party may seek injunctive relief in court.

14.3 Class Action Waiver You agree to resolve disputes on an individual basis and waive any right to participate in class actions.

15. General Provisions

15.1 Entire Agreement These Terms constitute the entire agreement between you and fINtellect regarding the Service.

15.2 Severability If any provision is found unenforceable, the remaining provisions will continue in effect.

15.3 No Waiver Failure to enforce any provision does not waive our right to enforce it later.

15.4 Assignment You may not assign these Terms without our consent. We may assign these Terms without restriction.

15.5 Force Majeure We are not liable for delays or failures due to circumstances beyond our reasonable control.

16. Contact Information

For questions about these Terms, contact us at:

  • Email: legal@fintellect.ai

PRIVACY POLICY

Last Updated: October 5, 2025

1. Introduction

fINtellect (“we,” “our,” or “us”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service.

2. Information We Collect

2.1 Information You Provide

  • Account Information: Name, email address, phone number, company name, job title
  • Payment Information: Credit card details, billing address (processed by third-party payment processors)
  • Financial Data: Data you upload or integrate with our Service
  • Communications: Messages, support tickets, feedback you send us

2.2 Automatically Collected Information

  • Usage Data: Pages visited, features used, time spent, click patterns
  • Device Information: IP address, browser type, operating system, device identifiers
  • Cookies and Tracking: We use cookies and similar technologies (see Section 8)
  • Log Data: Server logs, error reports, performance data

2.3 Information from Third Parties

  • Data from integrated financial systems and data providers
  • Information from business partners and service providers
  • Publicly available information

3. How We Use Your Information

We use your information to:

  • Provide the Service: Process transactions, deliver features, provide support
  • Improve the Service: Analyze usage, develop new features, enhance performance
  • Communicate: Send updates, security alerts, marketing communications (with consent)
  • Security: Detect fraud, prevent abuse, protect against security threats
  • Compliance: Meet legal obligations, enforce our Terms, resolve disputes
  • Analytics: Understand user behavior and improve user experience
  • AI/ML Training: Improve our AI models (using anonymized and aggregated data only)

4. Legal Basis for Processing (GDPR)

If you are in the European Economic Area, we process your data based on:

  • Contract Performance: Necessary to provide the Service
  • Legitimate Interests: Improve our Service, prevent fraud, ensure security
  • Legal Obligation: Comply with laws and regulations
  • Consent: Where you have provided explicit consent (you may withdraw consent at any time)

5. How We Share Your Information

5.1 We May Share Information With:

  • Service Providers: Cloud hosting, payment processing, analytics, customer support
  • Business Partners: With your consent, for integrated services
  • Legal Requirements: When required by law, court order, or governmental authority
  • Business Transfers: In connection with mergers, acquisitions, or asset sales
  • With Your Consent: When you authorize us to share information

5.2 We Do NOT:

  • Sell your personal information to third parties
  • Share your financial data without encryption
  • Use your data for purposes incompatible with those disclosed here

6. Data Security

6.1 Security Measures We implement appropriate technical and organizational measures including:

  • Encryption in transit (TLS/SSL) and at rest (AES-256)
  • Access controls and authentication
  • Regular security audits and penetration testing
  • Employee training on data protection
  • Incident response procedures

6.2 Limitations No system is completely secure. We cannot guarantee absolute security of your information.

7. Data Retention

7.1 Retention Periods

  • Account Data: Retained while your account is active
  • Financial Data: Retained according to your settings or legal requirements
  • Log Data: Typically retained for 90 days
  • Backup Data: May be retained for up to 12 months

7.2 Deletion After termination, we delete or anonymize your data within 90 days, except where:

  • Required by law to retain longer
  • Needed for legitimate business purposes (e.g., dispute resolution)
  • Included in backups (deleted when backups expire)

8. Cookies and Tracking Technologies

8.1 Types of Cookies We Use

  • Essential Cookies: Required for the Service to function
  • Functional Cookies: Remember your preferences and settings
  • Analytics Cookies: Help us understand how users interact with the Service
  • Marketing Cookies: Used for targeted advertising (with consent)

8.2 Your Choices You can control cookies through your browser settings. Note that disabling cookies may limit functionality.

9. Your Privacy Rights

9.1 General Rights You have the right to:

  • Access your personal information
  • Correct inaccurate information
  • Delete your information (subject to legal obligations)
  • Export your data in a portable format
  • Object to certain processing activities
  • Withdraw consent where processing is based on consent

9.2 GDPR Rights (EEA Residents)

  • Right to data portability
  • Right to restriction of processing
  • Right to object to automated decision-making
  • Right to lodge a complaint with supervisory authority

9.3 CCPA Rights (California Residents)

  • Right to know what personal information is collected
  • Right to know if personal information is sold or disclosed
  • Right to opt-out of sale of personal information
  • Right to non-discrimination for exercising privacy rights

9.4 Exercising Your Rights To exercise these rights, contact us at privacy@fintellect.ai. We will respond within 30 days.

10. Children’s Privacy

The Service is not intended for children under 18. We do not knowingly collect information from children. If we learn we have collected information from a child, we will delete it promptly.

11. International Data Transfers

Your information may be transferred to and processed in countries other than your own. We ensure appropriate safeguards are in place, including:

  • Standard Contractual Clauses
  • Adequacy decisions
  • Your explicit consent

12. Third-Party Links

The Service may contain links to third-party websites. We are not responsible for their privacy practices. Review their privacy policies before providing information.

13. Updates to This Policy

We may update this Privacy Policy periodically. We will:

  • Post the updated policy on our website
  • Update the “Last Updated” date
  • Notify you of material changes via email or Service notification
  • Obtain consent where required by law

14. California “Do Not Track” Disclosure

We do not currently respond to “Do Not Track” browser signals.

15. Data Protection Officer

For GDPR-related inquiries, contact our Data Protection Officer at:

  • Email: privacy@fintellect.ai

16. Contact Us

For questions about this Privacy Policy or our privacy practices:

  • Email: privacy@fintellect.ai

For data subject requests or privacy complaints:

  • Use the contact information above
  • Include “Privacy Request” in the subject line
  • Provide sufficient detail for us to process your request

COOKIE POLICY

What Are Cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember your preferences and improve your experience.

Types of Cookies We Use

CategoryPurposeDuration
EssentialRequired for Service functionalitySession
FunctionalRemember preferences and settings1 year
AnalyticsUnderstand usage patterns2 years
MarketingDeliver relevant advertisements1 year

Managing Cookies

You can control cookies through:

  • Browser Settings: Most browsers allow you to refuse or delete cookies
  • Our Cookie Preferences: Available in your account settings
  • Third-Party Tools: Opt-out tools from advertising networks

Impact of Disabling Cookies

Disabling cookies may:

  • Prevent you from logging in
  • Cause loss of preferences
  • Limit Service functionality

DATA PROCESSING ADDENDUM (For Enterprise Customers)

For enterprise customers requiring additional data processing terms, please contact privacy@fintellect.ai for our Data Processing Addendum (DPA).