Terms of Service

These Terms of Service (the “Terms”) are an agreement between [LEGAL ENTITY NAME], a [JURISDICTION] company with its registered office at [REGISTERED ADDRESS] (“HFI AI”, “we”, “us”), and the person or organisation that creates an account (“you”, “Customer”).

By creating an account or using the service you accept these Terms. If you are accepting on behalf of an organisation, you confirm you have authority to bind it.

HFI AI is a financial analysis tool. It ingests transaction data that you upload or that we retrieve from third-party systems you connect, computes metrics such as burn rate and cash runway, generates forecasts and scenarios, and produces written analysis with the assistance of automated language models.

The service produces estimates and analysis. It is not accounting, audit, tax, legal or investment advice. Outputs, including AI-generated narrative, forecasts and scenario results, may be incomplete or wrong. They are inputs to your own judgement, not a substitute for a qualified professional. You are responsible for verifying any figure before you rely on it, and for any decision you take.

You must give accurate registration information and keep your credentials confidential. You are responsible for everything done under your account, including by users you invite and by API tokens you create. Tell us promptly at [SECURITY EMAIL] if you believe an account or token has been compromised.

Accounts are organised into workspaces. A workspace owner or administrator can invite, remove and change the role of other users, and can see all data in that workspace.

You may connect third-party services such as banking, accounting and payment providers. When you do, you authorise us to access and retrieve data from those services on your behalf, on a read-only basis, for as long as the connection remains active.

Those services are operated by third parties under their own terms. We are not responsible for their availability, accuracy or acts. You are responsible for having the right to connect any account you connect.

Where a connector is marked as demo or sample data, the figures it produces are synthetic and do not describe your finances.

You keep all rights in the data you upload or connect (“Customer Data”). You grant us a licence to host, process, transmit and display Customer Data solely to provide and support the service, and to comply with law.

Processing includes sending relevant extracts to the third-party model provider described in our Privacy Policy so that written analysis can be generated.

We do not sell Customer Data. [CONFIRM: state plainly whether Customer Data is ever used to train models — yours or a provider’s. If your model provider trains on API inputs by default, that must be disclosed here and in the Privacy Policy.]

You agree not to:

• upload data you have no right to upload, or that belongs to someone who has not consented;
• use the service to break the law, or to make credit, employment or insurance decisions about an individual;
• probe, scan or attempt to breach the service, or circumvent access controls or usage limits;
• resell, sublicense or provide the service to a third party except as expressly permitted by your plan;
• reverse engineer the service, except to the extent that restriction is unenforceable by law.

Paid plans are billed in advance on the cycle shown at purchase. Fees are stated exclusive of tax unless said otherwise, and you are responsible for applicable taxes.

You may cancel at any time; cancellation takes effect at the end of the current billing period and the service continues until then. [CONFIRM REFUND POLICY — the pricing page says “cancel anytime”; state whether fees already paid are refunded, pro-rated, or not refunded.]

We may change fees on [NOTICE PERIOD] notice. If you do not accept a change, you may cancel before it takes effect.

We aim to keep the service available but do not promise uninterrupted operation. We may suspend access for maintenance, or where we reasonably believe it is necessary to protect the service, other customers or a person’s safety. [STATE ANY UPTIME COMMITMENT, or say explicitly that none is given. Do not publish an SLA you cannot measure.]

We may suspend or terminate an account that materially breaches these Terms, that has fees unpaid after [GRACE PERIOD], or where required by law. Where practical we will give notice and an opportunity to fix the problem first.

On termination your right to use the service ends. You may export your data before termination takes effect. We delete or de-identify Customer Data as described in the Privacy Policy.

To the fullest extent the law allows, the service is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty as to the accuracy or completeness of any output.

Nothing in these Terms limits liability that cannot be limited by law, including for death or personal injury caused by negligence, or for fraud.

To the fullest extent the law allows, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, goodwill or data, however caused.

Our total aggregate liability arising out of or relating to these Terms is limited to the greater of [AMOUNT] and the fees you paid us in the [PERIOD, e.g. twelve months] before the event giving rise to the claim.

You will defend and indemnify us against claims arising from Customer Data you supply, or from your use of the service in breach of these Terms, except to the extent the claim arises from our own breach.

We may update these Terms. For material changes we will give notice by email or in the product at least [NOTICE PERIOD] before they take effect. Continuing to use the service after that date means you accept the updated Terms.

These Terms are governed by the laws of [GOVERNING LAW], and the courts of [VENUE] have exclusive jurisdiction. [DECIDE: arbitration clause and class-action waiver? Both are heavily restricted in some jurisdictions and unenforceable in others — this is a question for counsel, not a template.]

Questions about these Terms: [LEGAL EMAIL], [REGISTERED ADDRESS].