Effective: December 31, 2024

Thank you for choosing FinRock & FinRock.ai!

These Business Terms govern the use of our APIs, enterprise tools, and other services designed for businesses and developers. Use of our consumer-facing services, such as individual subscriptions to AI-driven tools, are governed by our Terms of Use.

These Business Terms (“Terms”) constitute an agreement between FinRock Netherland B.V. (or as applicable) and you (“Customer”) that governs your use of our Services (as defined below). By signing up to use the Services, you agree to these Terms. You represent that you are lawfully able to enter into contracts and, if you are entering these Terms for an entity, you have legal authority to bind that entity. These Terms also incorporate additional guidelines and policies we may provide in writing (“Policies”) and any ordering documents or webpages used to purchase the Services (“Order Forms”).

1. Services

1.1 Use of Services: We grant you a non-exclusive right to access and use the Services during the term of this agreement. “Services” include APIs, tools, developer platforms, and associated software designed for integration into your business applications (“Customer Applications”) and to support your end users.

1.2 Third-Party Offerings: The Services may include third-party products or integrations. Access and use of such third-party offerings are subject to their own terms. FinRock & FinRock.ai disclaims liability for any issues arising from their use.

1.3 Account Responsibilities: You must provide accurate account information and are responsible for all activities conducted under your account, including the activities of end users who access the Services via your Customer Applications. Notify us promptly of any unauthorized access or use.

2. Restrictions

You will not, and will not permit end users to:

(a) use the Services in violation of applicable laws or these Terms;

(b) reverse engineer, decompile, or attempt to discover the source code or algorithms of the Services;

(c) use the Services to develop competing products;

(d) extract data from the Services in a manner not authorized by our APIs;

(e) share login credentials or resell access to the Services without explicit permission.

3. Content

3.1 Customer Content: You retain ownership of the data you input into the Services (“Input”) and the outputs generated (“Output”). We assign to you any rights we may hold in the Output, provided it is not shared with other users.

3.2 Confidentiality: We will process and store your Content in accordance with our privacy and security commitments. Customer Content will not be used to improve the Services or develop new features unless explicitly agreed.

3.3 Responsibilities: You are responsible for ensuring that your Input complies with applicable laws and that you have all rights and permissions to use the Services.

4. Confidentiality

Confidential information disclosed between parties shall only be used to fulfill obligations under these Terms. Each party agrees to protect such information and disclose it only to personnel with a need to know and under confidentiality obligations.

5. Security

We maintain an information security program designed to protect the Services and Customer Content. Our measures include data encryption, access controls, and regular audits. While we endeavor to maintain secure systems, we cannot guarantee absolute security.

6. Payment and Taxes

6.1 Fees and Billing: Payments for Services are due according to the terms specified in your Order Form. All payments are non-refundable unless explicitly stated otherwise.

6.2 Taxes: Fees do not include taxes, which will be charged where applicable based on the address provided in your account.

7. Term and Termination

7.1 Term: This agreement remains in effect until terminated by either party. Subscriptions may renew automatically unless canceled in accordance with the terms specified in your Order Form.

7.2 Termination: Either party may terminate this agreement for cause, such as material breach or insolvency. Upon termination, all rights granted under these Terms cease, and we will delete Customer Content unless required to retain it by law.

8. Disclaimers and Limitations

8.1 Disclaimer of Warranties: The Services are provided “as is.” We disclaim all warranties, including fitness for a particular purpose and non-infringement.

8.2 Limitation of Liability: FinRock & FinRock.ai’s liability is limited to the amount paid for the Services in the 1 month preceding the claim or €20, whichever is greater.

9. Dispute Resolution

Disputes will be resolved through binding arbitration unless prohibited by law. Claims must be brought on an individual basis, and class actions are not permitted. Local jurisdiction rules apply for customers in the EEA and the UK.

Contact Information

For questions about these Business Terms, contact:

• EEA & Switzerland Residents: [email protected]
• UK Residents: [email protected]