Terms & Conditions

1. Agreement to Terms

This Terms of Use Agreement ("Agreement") is a legally binding contract made between you ("User," "you," or "your") and Fintology AI Technologies LLC, a Georgia limited liability company ("Company," "Fintology," "we," "us," or "our").

• Website URL: www.fintology.ai
• Company Name: Fintology AI Technologies LLC
• Email: support@fintology.ai
• Phone: +1 (800) 448-1103

By accessing, browsing, or using our website, mobile application, platform, or any related services (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be bound by all of the terms and conditions of this Agreement, our Privacy Policy, and our Cookie Policy, all of which are incorporated herein by reference. If you do not agree to all of the terms of this Agreement, you are not authorized to use the Service and must discontinue use immediately.

2. Platform Disclaimer — Fintology Is Not a Lender

IMPORTANT: FINTOLOGY IS A TECHNOLOGY PLATFORM THAT PROVIDES AI-POWERED LENDING ORCHESTRATION SERVICES. FINTOLOGY IS NOT A LENDER, LOAN BROKER, FINANCIAL ADVISOR, CREDIT COUNSELOR, OR CREDIT REPAIR ORGANIZATION.

By using the Service, you acknowledge and agree that:

• Fintology operates as an AI lending orchestration platform that intelligently routes financing applications to a network of third-party lenders to optimize approval probability;
• All lending decisions, including approval, denial, loan terms, interest rates, and funding, are made solely and exclusively by third-party lenders in their independent discretion;
• Fintology does not guarantee approval of any financing application, specific interest rates, loan amounts, or any particular lending terms;
• Any approval rates, processing times, or performance statistics referenced on our website or marketing materials (including but not limited to average approval rates, minimum credit scores, processing speed, or lender network size) are historical averages or estimates and do not constitute a guarantee of individual results;
• Your individual results will vary based on your creditworthiness, financial profile, the specific lender's underwriting criteria, and other factors beyond Fintology's control;
• Fintology does not endorse, recommend, or guarantee any specific lender, loan product, or financial outcome;
• You are solely responsible for reviewing and accepting any loan terms offered by a third-party lender, and Fintology bears no responsibility for terms you accept.

2.1 Standalone Service — No Lead Generation, Sales, or Business Growth Obligation

FINTOLOGY IS A STANDALONE SOFTWARE AND SERVICE. IT IS NOT A LEAD GENERATION COMPANY, MARKETING AGENCY, ADVERTISING SERVICE, SALES ORGANIZATION, OR BUSINESS GROWTH CONSULTANCY, AND IT DOES NOT PROMISE, PRODUCE, OR GUARANTEE CUSTOMERS, LEADS, APPOINTMENTS, SALES, REVENUE, OR BUSINESS GROWTH OF ANY KIND.

• No Leads Are Sold or Supplied. Fintology does not sell, supply, source, purchase, generate, or deliver leads, prospects, customers, traffic, or appointments to you. Nothing in the Service, in any demonstration, or in any communication from a Fintology representative should be understood as an agreement to provide you with customers or leads.
• No Growth or Revenue Guarantee. Fintology is not responsible for the growth, profitability, sales volume, close rate, conversion rate, or financial performance of your business. Any figures, case studies, examples, calculators, projections, or ROI illustrations are illustrative only, reflect the results of others under different conditions, and are expressly not a prediction, promise, or guarantee of your results.
• Your Results Depend on You. Outcomes depend entirely on factors outside Fintology's control, including your own marketing, staffing, sales ability, offer, pricing, follow-up, market conditions, customer creditworthiness, and independent third-party lender decisions.
• Standalone Tool. The Service is delivered as a standalone product used at your discretion alongside your own business operations. It does not include, and Fintology has no obligation to provide, lead generation, ad spend, media buying, outbound calling, list building, or customer acquisition services unless purchased separately under a distinct written agreement.
• Not a Basis for Refund or Dispute. A lack of leads, sales, customers, revenue, or business growth is not a defect in the Service, is not a failure of delivery, and is not a basis for a refund under Section 5 or a chargeback under Section 6.

3. Consent to Electronic Communications

By using the Service or providing your contact information to us, you consent to receive electronic communications from Fintology, including but not limited to emails, SMS/text messages, push notifications, and in-app messages. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq.

You may opt out of promotional communications at any time, but you may not opt out of transactional or service-related communications necessary for the operation of your account.

4. Payment Terms

All or a portion of the services offered by the Company are paid in accordance with the terms below:

• Authorization. By providing a payment method (credit card, debit card, ACH, or other accepted method), you authorize Fintology to charge the applicable fees to that payment method. You represent and warrant that you are authorized to use the designated payment method and that you authorize us to charge your payment method for the total amount of your purchase or subscription, including any applicable taxes, fees, and surcharges.
• Forms of Payment. We accept payment through the methods offered at the time of purchase or when a balance is due. We reserve the right, at any time, to reject payment for any reason.
• Currency. Payments will be accepted in U.S. Dollars (USD) unless otherwise indicated at the point of sale.
• Billing Accuracy. You agree to provide current, complete, and accurate billing and payment information. You agree to promptly update your account information, including email address, payment method, and payment card expiration date, so that we can complete your transactions and contact you as needed.
• Failed Payments. If any payment fails due to insufficient funds, expired payment method, or any other reason, Fintology reserves the right to (a) suspend or terminate your access to the Service, (b) attempt to re-process the payment, and (c) charge any applicable late fees or reinstatement fees as permitted by law.
• In-App Purchases. If the Service is offered on a mobile application, this Agreement also applies to payments made on the mobile app. Additional terms imposed by the app store provider may also apply.

4.0 Definition of "Fees" — Fees and Subscriptions Are One and the Same

For the avoidance of doubt, wherever this Agreement uses the words "fee," "fees," "Fees," "charge," "amount paid," "purchase price," or "payment," those words mean and include every amount of any kind that you pay or agree to pay Fintology, and the words "fee" and "subscription" are used interchangeably and carry the same meaning and the same terms. Specifically, "Fees" means, without limitation:

• Subscription fees — any recurring charge for continued access to the Service, on any billing cycle (monthly, quarterly, annual, or otherwise), including every renewal charge.
• Access, activation, onboarding, setup, and enrollment fees — including any one-time initial access fee charged before or at the start of a subscription.
• One-time, à la carte, add-on, upgrade, overage, seat, usage-based, and per-transaction charges.
• Digital merchandise and digital goods charges as described in Section 4.1.
• Professional, configuration, support, or account-service charges, and any applicable taxes, surcharges, late fees, or reinstatement fees.

Every term of this Agreement that applies to "fees" applies with identical force to subscription charges and renewal charges, and every term that applies to a "subscription" applies with identical force to a one-time or access fee. In particular, the Refund Policy in Section 5, the Chargeback & Payment Dispute Policy in Section 6, and the Cancellation and Renewal terms in Section 7 govern all Fees as defined here, regardless of how a charge is labeled at checkout, on your invoice or receipt, in your card statement descriptor, or in any marketing material. No charge is excluded from these terms because it was described using a different word.

4.1 What You Are Purchasing: Digital Services and Digital Merchandise

Your purchase from Fintology may include both (a) services (software-as-a-service access, hosted platform access, support, configuration, onboarding, monitoring, and related professional or account services) and (b) digital merchandise / digital goods (downloadable or accessible digital content, templates, documents, reports, scripts, data outputs, training materials, tools, and other licensed digital products). These are sold together as a single bundled offering, and every term in this Agreement — including the Refund Policy in Section 5 and the Chargeback & Payment Dispute Policy in Section 6 — applies equally and in full to both the services component and the digital merchandise component of your purchase.

• Card Statement Descriptor. Depending on your card issuer, processor categorization, and merchant category code (MCC), your charge may appear on your statement as merchandise, as a digital good, as a service, or as a recurring subscription. The wording of the descriptor or the transaction category assigned by the network or your issuer does not change what you purchased, what you agreed to, or the refund and dispute terms that apply. All such charges are governed by this Agreement.
• Recognize Our Descriptor. Charges from us appear under the Fintology billing descriptor shown to you at checkout and in your receipt. If you do not recognize a charge, contact billing@fintology.ai before disputing it, so we can identify the transaction for you.
• Delivery and Fulfillment. Both components are delivered electronically and immediately. Services are deemed delivered when your account is provisioned and credentials are issued; digital merchandise is deemed delivered and fully consumed when it is first made accessible to, downloaded by, or displayed to you or any user of your account. No physical goods are shipped, and no shipping, tracking, or delivery confirmation of physical items exists or is required for any transaction with Fintology.
• Non-Returnable by Nature. Digital merchandise cannot be returned, un-downloaded, un-viewed, or restored to inventory once accessed. Consistent with Visa Core Rules and Mastercard Rules governing digital goods and electronically delivered products, the "all sales final" policy in Section 5 applies to the digital merchandise component with the same force as it applies to the services component.
• Recurring Charges. Where your plan renews, each renewal charge covers both the continued services and continued access to the digital merchandise for that billing period, is separately authorized by your original consent, and is disclosed in advance in accordance with card network recurring-transaction requirements. You may cancel future renewals at any time under Section 7.
• One Policy, Both Categories. No refund, cancellation, return, or dispute right exists for the digital merchandise component that is broader than what Section 5 grants, and none exists for the services component that is broader than what Section 5 grants. Where a card network rule distinguishes between merchandise and services, Fintology applies the disclosure, consent, and evidence standards required for both categories.

4.2 Identity Verification, Authentication & Transaction Records at Checkout

Because the Service is delivered instantly and electronically, Fintology verifies that the person paying is the person receiving access, and records that linkage. By purchasing, you consent to all of the following as a condition of the sale:

• Verified Email and Phone. The email address and mobile number you provide at checkout are verified (by confirmation link and/or one-time passcode) and are permanently bound to the account that receives access. The verified contact details, the verification timestamps, and the account identifier are retained as delivery evidence.
• Persistent Account Identifier. Fintology assigns your account a persistent customer account identifier at purchase and links it to every subsequent login, session, and transaction, so that purchase, delivery, and use are provably the same account across time.
• Device, IP, and Session Capture. Fintology captures and retains the device identifier / device fingerprint, IP address, browser and operating system, and session identifier used at the moment of purchase, and again at every login, and stores them alongside the transaction record. You consent to this capture and to its submission to your issuer and the card network in the event of a dispute.
• Cardholder Authentication. Transactions are processed with address verification (AVS) and card security code (CVV/CVC/CID) checks, and Fintology may require 3-D Secure / EMV 3DS strong cardholder authentication (Visa Secure, Mastercard Identity Check, American Express SafeKey, Discover ProtectBuy) for any transaction. If authentication is declined or not completed, the sale may be refused. You agree not to circumvent, disable, or misrepresent yourself during any authentication step.
• Authority to Use the Card. You represent and warrant that you are the authorized cardholder or have the cardholder's express permission to charge the payment method used, and that the name, billing address, and contact details provided are true and belong to you or that authorized cardholder. Using another person's card without authorization is fraud and will be reported.
• Separate Refund-Policy Acknowledgment. In addition to accepting this Agreement, you are presented at the payment screen with a separate, conspicuous acknowledgment, immediately adjacent to the payment button, stating that all sales are final except under Section 5.2, that the product is digital and deemed delivered and consumed on first login, and that subscriptions auto-renew until cancelled. Payment cannot be submitted until that separate acknowledgment is affirmatively checked, and Fintology records it independently of your acceptance of these Terms.
• Receipt. Immediately after purchase Fintology emails you a receipt containing the amount charged, the billing descriptor, the plan and renewal terms, the refund policy summary, the cancellation link, and our support contact details.

5. Refund Policy (All Sales Final)

ALL SALES ARE FINAL. Fees paid to Fintology are non-refundable except in the three limited circumstances expressly listed below. This policy is disclosed to you before payment, and you must affirmatively accept it at checkout as a condition of purchase.

5.1 Pre-Purchase Disclosure & Acceptance

• Review Before You Pay. You are required to read and review this Agreement, including this Refund Policy, the Chargeback & Payment Dispute Policy (Section 6), and the Intellectual Property terms, before submitting payment. Payment is only accepted after you check the box affirming that you have read, understood, and agreed to these terms.
• Record of Consent. Fintology captures and retains a timestamped record of your acceptance (including date, time, IP address, device, and the exact version of the terms displayed) as evidence of your informed, affirmative consent to this "all sales final" policy. This record is furnished to card networks and issuing banks in the event of a dispute.
• Clear and Conspicuous. This Refund Policy is displayed at the point of sale, in the purchase confirmation email, and on the checkout page, in accordance with Visa Core Rules, Mastercard Rules, American Express Merchant Operating Regulations, and Discover Network Rules governing the disclosure of merchant refund and cancellation policies for card-not-present transactions.

5.2 The Only Circumstances Entitling You to a Refund

A refund may be issued only where one of the following three conditions is established, verified by Fintology's records, and the request is submitted in writing to support@fintology.ai within thirty (30) calendar days of the charge:

• (a) No Offer Produced. Fintology's process was fully and timely completed by you (including submission of all required documentation, verifications, and responses) and, despite that completion, no financing or lender offer of any kind was produced or presented to you.
• (b) Chronic Technical Failure. A material, reproducible technical defect attributable to the Service prevented your substantial use of the product, you reported it in writing to support, and Fintology failed to remedy or provide a functional workaround within a commercially reasonable period after receiving sufficient detail to reproduce the issue.
• (c) Inability to Use the Product. You were unable to access or use the product for reasons attributable solely to Fintology (and not to your device, network, credentials, eligibility, conduct, third-party service, or failure to complete required steps).
• (d) KYB/KYC Failure (Automatic). If, after payment, you do not pass Fintology's identity (KYC) or business verification (KYB) requirements, or you are declined under our compliance, sanctions, or fraud screening, your account will be shut down and a full refund of the amount charged will be issued automatically and immediately, without any request required from you. This refund is issued regardless of whether you have logged into the portal, and no further use of the Service will be permitted.

No other basis — including changed circumstances, dissatisfaction with an offer's terms, amount, rate, or lender, non-use, buyer's remorse, failure to qualify, forgetting to cancel, or disagreement with an outcome that is determined by third-party lenders or bureaus — entitles you to a refund. Fintology sells access to software, tooling, analysis, and process; it does not sell, guarantee, or underwrite any financing outcome, approval amount, or rate.

5.3 Digital Product Delivered & Consumed Upon Portal Login

• Delivery. The Service is an instantly delivered digital product. Delivery is deemed complete, and the product is deemed rendered, accessed, and used in full, at the moment you first authenticate into the Fintology portal following payment.
• Consumption & IP Exposure. Upon login you are immediately granted access to Fintology's proprietary methodology, lender orchestration logic, scoring models, workflows, templates, data presentations, and other confidential trade secrets. That access cannot be returned, un-viewed, or restored to Fintology. Accordingly, and to protect Fintology's intellectual property against parties who would purchase access solely to observe, copy, benchmark, or reverse engineer the Service, a refund under Section 5.2(a) is unavailable once you have logged into the portal, except where the failure is a Fintology-side technical failure under Section 5.2(b) or 5.2(c).
• Cooling-Off Window. If you wish to review the product before it is deemed used, do not log in. Requests received in writing prior to first portal login and within seventy-two (72) hours of the charge will be honored in full.
• Card Network Alignment. This "electronically delivered / services rendered" position is applied consistently with Visa, Mastercard, and American Express rules for digital goods and services that are consumed on access, and is supported by authentication logs, session records, and event telemetry retained by Fintology.

5.4 How Refunds Are Processed

• Approved refunds are issued to the original payment method only, in the original currency. Fintology does not issue cash, check, store credit, or third-party refunds.
• Timing (7–10 Business Days). Fintology submits approved refunds to its payment processor promptly (and immediately in the case of a KYB/KYC failure under Section 5.2(d)). Once submitted, the funds typically take seven (7) to ten (10) business days to appear on your statement, depending on your card issuer or bank. That posting timeline is controlled by your issuer, not by Fintology, and some issuers may take longer.
• Fintology will never issue a refund by requesting a new card number or by processing an unrelated credit, consistent with card network prohibitions on such practices.
• Qualifying Refunds Are Issued in Full. Where a refund is owed under Section 5.2(a), (b), (c), or (d), it is issued as a full refund of the amount charged to the original payment method. No processing fee, restocking fee, cancellation fee, or administrative deduction is applied to a qualifying refund, consistent with Visa Core Rules, Mastercard Rules, and American Express Merchant Operating Regulations governing electronically delivered goods and services.
• Discretionary Accommodations May Be Partial. Where no ground in Section 5.2 is established and Fintology nonetheless elects, in its sole discretion and as a compromise it is not obligated to offer, to return some portion of the amount paid, that accommodation may be issued as a partial refund, account credit, or service credit reflecting non-recoverable costs already incurred (payment processing fees, identity and business verification, credit and data provider queries, provisioning, and assigned personnel). Fintology will state the exact amount offered before it is issued, and you must accept that amount in writing before it is processed. Accepting a discretionary partial accommodation resolves the transaction in full and, as a condition of the accommodation, you agree not to file or to promptly withdraw any dispute relating to the remaining balance. Declining the offer leaves the original charge in place under Section 5.2.
• No Fee Is Ever Billed to Your Card. Fintology does not and will not charge your payment card any dispute fee, chargeback fee, refund fee, or administrative fee. Any amount Fintology is entitled to recover under this Agreement is recoverable only as a contractual debt through the means described in Section 6, and is never processed as a card transaction.
• Discretionary accommodations (but never a qualifying refund under Section 5.2) may be net of non-recoverable third-party costs actually incurred on your behalf (e.g., credit bureau pulls, verification fees, lender submission fees) where those costs were disclosed at purchase and the net amount was accepted by you in writing beforehand.
• Subscription fees already billed for a completed or in-progress billing period are non-refundable and non-prorated; cancellation stops future renewals only (see Section 7).
• Statutory Rights. Nothing in this Section limits any non-waivable right you may have under applicable consumer protection law, including state auto-renewal statutes. Where such a law grants a mandatory refund right, that right controls to the minimum extent required.

5.5 Buyer's Remorse, Non-Use, and Abuse of the Refund Process

The Service is delivered instantly and its value — including access to Fintology's proprietary methodology and confidential materials — transfers to you the moment you receive access. For that reason, and because you reviewed and affirmatively accepted this policy before paying:

• Immediate Post-Purchase Remorse Is Not Refundable. A request made minutes, hours, or days after purchase — including a request made because you "changed your mind," reconsidered the price, were not ready, did not intend to proceed, or decided the timing was wrong — is buyer's remorse and is expressly not a refundable event. Only the four grounds in Section 5.2(a)–(d) qualify.
• Non-Use Is Not a Defect. Failing to log in, failing to complete onboarding, failing to submit required documents, failing to respond to Fintology or a lender, or simply choosing not to use the Service does not entitle you to a refund. You purchased access; access is delivered whether or not you exercise it, and Fintology reserves capacity, compliance review, credit and verification resources, and staff time for you upon purchase.
• Costs Incurred at Purchase. Immediately upon payment Fintology incurs non-recoverable costs on your behalf, including payment processing fees (which are not returned to Fintology on a refund), identity and business verification, credit and data provider queries, account provisioning, and assigned onboarding personnel. These costs are incurred even if you never log in.
• Good-Faith Purchase Representation. By purchasing, you represent that you are buying in good faith with a genuine intent to use the Service, and not for the purpose of previewing, benchmarking, copying, reverse engineering, extracting competitive information, or obtaining access you intend to reverse.
• Repeat and Bad-Faith Requests. Fintology may decline service to, and permanently terminate without refund, any User who repeatedly purchases and requests reversal, who provides false information to obtain a refund, or who otherwise abuses this policy. Filing a good-faith dispute is never, by itself, a basis for termination or adverse action; this paragraph applies only to demonstrable abuse or knowingly false statements. Any accommodation previously granted is discretionary and creates no entitlement.
• Discretionary Accommodations. Where Fintology, in its sole discretion, elects to grant an accommodation outside Section 5.2, it may do so as an account credit, a pause under Section 7.1, or a partial refund net of processing and third-party costs. Such an accommodation is not an admission that a refund was owed.

5.6 Non-U.S. Purchasers — Consent to Immediate Performance

If you are purchasing from the United Kingdom, the European Economic Area, or another jurisdiction that grants consumers a statutory cancellation or "cooling-off" right for distance and off-premises contracts (for example, the 14-day right of withdrawal under EU Directive 2011/83/EU or the UK Consumer Contracts Regulations 2013):

• Express Request for Immediate Performance. By completing checkout and affirming this Agreement, you expressly request that Fintology begin supplying the digital content and services immediately, before the end of any statutory cancellation period, rather than waiting for that period to expire.
• Acknowledged Loss of the Withdrawal Right. You acknowledge and agree that, once supply of the digital content has begun with your prior express consent, you lose your statutory right of withdrawal in respect of that digital content, and that where services are fully performed during the cancellation period at your request, no withdrawal right remains. Fintology records this consent and acknowledgment at the moment of purchase, together with the timestamp, IP address, and the version of the terms displayed, and provides you confirmation of it on a durable medium (your emailed receipt).
• If You Do Not Consent. If you do not wish to waive a statutory cancellation right, do not complete the purchase and do not log in; contact support@fintology.ai before paying and we will hold provisioning until any applicable period has run.
• Non-Waivable Rights Preserved. Nothing in this Section purports to waive any consumer right that is non-waivable under the mandatory law of your jurisdiction. Where such a right applies notwithstanding your consent above, it controls to the minimum extent legally required, and the remainder of Section 5 stays in effect.

6. Chargeback & Payment Dispute Policy

You agree to contact Fintology directly before initiating any chargeback, payment dispute, or bank reversal with your financial institution. We maintain a dedicated support team to resolve billing concerns promptly.

• Your Right to Dispute. Nothing in this Agreement removes or waives your right, as a cardholder, to dispute a charge with your issuing bank or card network. You may always exercise that right. This Section exists so that you understand, in advance and in plain terms, how Fintology responds to disputes and what documentation we routinely submit in response.
• What We Retain and Submit. To ensure every dispute is answered accurately and completely, Fintology retains and — where a dispute is filed — submits to the issuer and network the following: (a) your timestamped, IP- and device-stamped acceptance of these Terms and the Refund Policy prior to payment, together with the exact version displayed at checkout; (b) the checkout page and confirmation email showing the "all sales final" disclosure; (c) authentication, session, and event logs showing each portal login and the features accessed; (d) feature-usage telemetry and records of deliverables, analyses, and lender submissions generated for you; (e) the complete email, SMS, chat, and call/support history, including any refund request and our response; (f) KYB/KYC verification status and any automatic refund already issued; and (g) proof of any refund or credit previously processed to the original payment method.
• Please Contact Us First (Not a Waiver). We ask — and you agree, as a contractual covenant between you and Fintology — that you contact us at support@fintology.ai or +1 (800) 448-1103 and allow five (5) business days for us to resolve the issue before filing a dispute with your bank or card network. This is a request and a contractual commitment; it is not a waiver, limitation, or precondition of your cardholder dispute rights, which remain fully intact at all times. Most billing questions are resolved the same day.
• Suspension During Investigation. Upon receipt of a chargeback or payment dispute notice, Fintology reserves the right to immediately suspend your account and access to all services pending resolution of the dispute. Any pending financing applications may be paused or canceled.
• Fraudulent or Bad-Faith Chargebacks. If a chargeback or payment dispute is determined to be fraudulent, made in bad faith, or based on a materially false statement, you agree to be liable to Fintology, as a contractual debt and not as a card charge, for: (a) the original transaction amount if reversed, (b) the dispute, processing, and administrative costs actually incurred by Fintology (typically $15–$100 per dispute), and (c) reasonable collection costs and attorneys' fees where permitted by law. Fintology will not bill, re-bill, or surcharge your payment card for any of these amounts; they are recoverable only through invoicing, collections, arbitration, or court, consistent with card network rules prohibiting merchants from charging cardholders for dispute costs.
• Account Termination. Fintology reserves the right to permanently terminate the account of any User who files a chargeback or payment dispute that is resolved in Fintology's favor, or who engages in a pattern of disputes.
• Documentation & Evidence. By using the Service, you acknowledge that Fintology maintains detailed records of account activity, service usage, consent, and communications, which may be submitted as evidence in any chargeback or dispute proceeding.
• Collections. In the event of an unresolved debt resulting from a reversed payment or fraudulent chargeback, Fintology reserves the right to engage a third-party collection agency or pursue legal remedies to recover the amount owed.
• Compelling Evidence. In any dispute, Fintology will submit compelling evidence permitted under Visa, Mastercard, American Express, and Discover dispute rules, which may include: your timestamped acceptance of these terms prior to payment, the version of the Refund Policy displayed at checkout, authentication and session logs evidencing portal login and use, IP address and device fingerprint, feature-usage telemetry, delivered deliverables and lender submissions, and the full support communication history.
• "Services Not Received" and "Not as Described" Claims. Because the Service is an instantly delivered digital product deemed rendered upon portal login (Section 5.3), a dispute filed on the basis of non-receipt or non-delivery after a recorded login is, by your agreement, factually inaccurate. Disagreement with a financing outcome, lender decision, rate, or amount is not a "not as described" claim, as Fintology expressly disclaims any guarantee of financing outcome.
• Data, Records, and Evidence We Collect and Retain. You expressly consent to Fintology collecting, storing, and retaining — for the entire duration of your relationship with us and for no less than twenty-four (24) months after your final transaction — the following records for billing, fraud-prevention, compliance, and dispute-response purposes: full name, billing address, email address, telephone number, and account credentials metadata; IP address, device fingerprint, browser and operating-system data, and geolocation derived from IP; the timestamped record of your acceptance of these Terms, the Refund Policy, and any checkout disclosure, including the exact version of each document shown to you; the payment method's card brand, last four digits, expiration, issuing bank identifier, AVS and CVV verification results, and processor authorization codes (Fintology does not store full card numbers); every login, session, page view, feature interaction, download, export, report generation, and deliverable produced for you; every email, SMS, chat message, support ticket, recorded or logged phone call, and voicemail exchanged with us; KYB/KYC identity-verification submissions, results, and status; subscription, invoice, renewal, cancellation, refund, and credit history; and any electronic signature or click-through consent you executed. You agree that these records are accurate business records created and maintained in the ordinary course of business and are admissible in any dispute, arbitration, or legal proceeding.
• Your Right to Dispute; Our Right to Defend. You retain the unqualified right to file a dispute or chargeback with your issuing bank or card network. Fintology likewise retains the unqualified right to defend that dispute. Where Fintology possesses substantial documentation evidencing your consent, delivery, access, or use of the Service, Fintology will contest the dispute in full and pursue recovery of the disputed funds through every remedy available, including representment with compelling evidence, pre-arbitration, network arbitration, direct collection, third-party collection agencies, and civil action. You agree that Fintology's exercise of these rights is a legitimate defense of a valid, consented-to transaction and not retaliation.
• Fraudulent Disputes, False Statements, and Perjury. Filing a dispute that contains a materially false statement — including but not limited to falsely asserting that a transaction was unauthorized, that you did not receive the product or service after a recorded login or delivery, that you were not informed of the refund policy after a recorded acceptance, or that you attempted to contact Fintology when no such contact exists in our records — may constitute fraud, wire fraud, theft of services, false swearing, and/or perjury under federal law and the laws of the State of Georgia. Where a dispute is demonstrably based on such a false statement, Fintology may pursue any legal remedy available to it, including: (a) civil suit for the disputed amount, dispute and processing costs, administrative costs, interest, and reasonable attorneys' fees and court costs; (b) submission of supporting documentation to your issuing bank and the card network; (c) referral to law enforcement or regulatory authorities where warranted; and (d) placement of the unpaid balance with a collection agency. Nothing in this paragraph is intended to discourage a good-faith dispute, and Fintology will not take adverse action against a cardholder for filing one; it applies only to disputes containing knowingly false material statements. You agree that the records described above may be submitted in support of any such action, and you waive any objection to their authenticity.
• Withdrawal of a Resolved Dispute. If Fintology refunds, credits, or otherwise resolves a charge that you have also disputed with your issuer — or if a dispute is resolved in Fintology's favor through arbitration or a court — you agree to promptly notify your issuer and withdraw the dispute so that Fintology is not debited twice for the same transaction. If a duplicate recovery occurs, the excess amount is immediately repayable to Fintology as a contractual debt.
• Card Network Rules Control. Nothing in this Section is intended to conflict with the operating rules of Visa, Mastercard, American Express, or Discover. To the extent any provision here conflicts with an applicable network rule or a non-waivable consumer protection law, the network rule or law controls and the remainder of this Section stays in effect.
• No Waiver. Fintology's decision to grant a discretionary accommodation in one instance does not waive this policy or create any entitlement in any other instance.

7. Subscription & Auto-Renewal

If any of the services offered by us require a paid subscription, the following terms apply:

• Recurring Billing Authorization. BY SUBSCRIBING TO A PAID PLAN, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING PERIOD (MONTHLY OR ANNUALLY, AS APPLICABLE) AND THAT YOUR PAYMENT METHOD WILL BE CHARGED THE THEN-CURRENT SUBSCRIPTION FEE UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. This constitutes your affirmative consent to recurring charges as required under applicable state and federal auto-renewal laws, including California Business & Professions Code § 17600 et seq.
• Cancel Online in One Step ("Click to Cancel"). You may cancel your subscription at any time, online, from your account settings, in the same number of steps or fewer than it took to subscribe — no phone call, no email, no retention conversation, and no permission from Fintology is required. A cancellation link is also included in every renewal notice and receipt we send you. Cancellation is effective immediately as to all future charges and takes effect for access at the end of the current paid period. You may also cancel by writing to support@fintology.ai. Fintology sends a written confirmation of every cancellation, and that confirmation is your receipt that no further charges will occur. No partial refunds are issued for unused portions of a billing period already begun.
• Renewal Notices You Will Receive. Consistent with Visa, Mastercard, and American Express recurring-transaction requirements and applicable state automatic-renewal laws, Fintology will send you, to the email address on your account: (a) an acknowledgment at signup restating the plan, price, billing frequency, renewal terms, and how to cancel; (b) for any subscription with a term of six (6) months or longer, or any annual plan, a renewal reminder at least seven (7) days before the renewal charge, stating the amount, the date, and a direct cancellation link; (c) for month-to-month plans, a receipt following each charge that includes the amount, the date, and a direct cancellation link; and (d) advance notice of any price change under the paragraph below. If you do not receive these notices, check your spam folder and confirm the email address on your account is current — you are responsible for maintaining a valid email address under Section 4.
• Fee Changes. Fintology reserves the right to modify subscription fees. You will be given notice of at least thirty (30) days, and in no event less than one (1) full billing cycle, prior to any fee increase taking effect, sent to the email address on your account and including instructions to cancel before the new price applies. Your continued use of the Service after the notice period constitutes your acceptance of the new fee. If you cancel before the effective date, you are never charged the increased amount.
• Free Trials. Free trials are limited to one (1) per person, household, or payment method; if you have previously used a free trial you are not eligible for another. Where a free or discounted trial converts to a paid subscription: (a) the trial length, the price you will be charged, the date of the first charge, and the cancellation method are disclosed to you and expressly consented to by you before the trial begins, and that consent is recorded; (b) Fintology sends a reminder at least seven (7) days before the first paid charge, including the amount, the charge date, and a direct cancellation link; (c) the first charge's card statement descriptor identifies the transaction as a trial conversion where the card network requires it; and (d) you may cancel at any time during the trial from your account settings and will not be charged. If you cancel during the trial and are nonetheless charged, that charge is refunded in full under Section 5.2(c).
• Downgrades. If you downgrade your subscription plan, the downgrade will take effect at the beginning of the next billing cycle. You may lose access to features, data, or capacity associated with your prior plan.

7.1 Your Right to Pause or Permanently Delete Your Account

You are never locked in. You control your subscription and your account directly from your account settings at any time, without needing permission from Fintology:

• Pause Your Subscription. You may pause your subscription at any time from your account settings. While paused, no further recurring charges are made to your payment method. Paused accounts retain your data and may have reduced or suspended access to certain features; you may resume at any time, at which point billing restarts on the then-current plan and pricing.
• Cancel at Any Time. You may cancel at any time; cancellation stops all future renewals and takes effect at the end of the current paid period.
• Permanently Delete Your Account. You may permanently delete your account and associated data from your account settings or by written request to support@fintology.ai. Deletion is irreversible: it terminates your subscription, revokes access, and removes your data except records Fintology is legally or contractually required to retain (for example transaction, tax, consent, KYB/KYC, and dispute-evidence records).
• Pausing, Canceling, and Deleting Do Not Create a Refund. Amounts already charged for a completed or in-progress billing period remain non-refundable and non-prorated under Section 5, except where Section 5.2(a)–(d) applies. Choosing to pause or delete your account is not, by itself, a basis for a refund or chargeback.

8. Eligibility & Access

Your access to and use of the Service is conditional upon your acceptance of and compliance with this Agreement. By using the Service, you represent and warrant that:

• You are at least eighteen (18) years of age or the age of legal majority in your jurisdiction;
• You have the legal capacity and authority to enter into this Agreement;
• You will use the Service only for lawful purposes and in accordance with this Agreement;
• All information you provide is truthful, accurate, current, and complete;
• You are not located in a country subject to a U.S. government embargo or designated as a "terrorist supporting" country, and you are not listed on any U.S. government list of prohibited or restricted parties.

Minors (under the age of 18): The Service is not intended for use by minors. If a minor accesses the Service, the parent or guardian is fully responsible for the minor's use and any obligations arising therefrom.

Children (under the age of 13): The Service is not directed to children under thirteen (13). We do not knowingly collect information from children under 13 in compliance with the Children's Online Privacy Protection Act (COPPA).

9. User Data Accuracy & Responsibility

You acknowledge that the Service relies on information you provide, including but not limited to financial data, personal identification information, credit information, income details, and business information. You agree that:

• All information submitted through the Service is accurate, truthful, complete, and not misleading;
• You are solely responsible for the accuracy of all data you submit, and you will promptly update any information that becomes inaccurate or incomplete;
• Fintology shall not be liable for any adverse outcomes, denied applications, delayed processing, or other consequences resulting from inaccurate, incomplete, or fraudulent information provided by you;
• Submitting false, fraudulent, or misleading information through the Service is a violation of this Agreement and may constitute a violation of federal and state law, including but not limited to bank fraud (18 U.S.C. § 1344) and wire fraud (18 U.S.C. § 1343);
• Fintology reserves the right to verify any information you provide and to terminate your account if any information is determined to be false or misleading;
• You authorize Fintology and its lender partners to verify the information you provide through credit bureaus, public records, and other lawful means.

10. Prohibited Activities

As a User of our Service, you are strictly prohibited from engaging in the following activities:

• Submitting fraudulent, false, or misleading financial information, including acting as a straw borrower or engaging in identity theft;
• Submitting applications on behalf of another person without their express written authorization;
• Using the Service to engage in money laundering, terrorist financing, or any other financial crime;
• Systematically retrieving data or other content from the Service to create or compile a collection, compilation, database, or directory without our written permission;
• Tricking, defrauding, or misleading other Users or us, especially in any attempt to learn sensitive account information;
• Circumventing, disabling, or otherwise interfering with security-related features of the Service;
• Disparaging, tarnishing, or otherwise harming the Company or the Service;
• Using information obtained from the Service to harass, abuse, or harm another person;
• Making improper use of our support services or filing false reports of abuse or misconduct;
• Using the Service in any manner inconsistent with applicable laws or regulations;
• Engaging in unauthorized framing of or linking to the Service;
• Uploading or transmitting viruses, trojan horses, worms, or other malicious code;
• Attempting any unauthorized automated use of the Service, including through bots, scripts, scrapers, or similar technology;
• Interfering with, disrupting, or creating an undue burden on the Service or related networks;
• Removing, altering, or obscuring any copyright, trademark, or proprietary notice;
• Reverse engineering, decompiling, or disassembling any portion of the Service;
• Reselling, sublicensing, or redistributing any part of the Service without express written consent.

Violation of any of the above may result in immediate termination of your account, forfeiture of any fees paid, and referral to appropriate law enforcement authorities.

11. Intellectual Property

All source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, logos, and other content on the Service (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"), are owned or controlled by us or licensed to us, and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws of the United States and international jurisdictions.

The Content and Marks are provided on the Service "AS IS" for your personal, non-commercial use only. Except as expressly provided herein, no part of the Service, Content, or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission.

Copyright Infringement (DMCA)

We respect the intellectual property rights of others. If you believe that material available on the Service infringes your copyright, please submit a notice pursuant to the Digital Millennium Copyright Act (DMCA) to support@fintology.ai with the information required under 17 U.S.C. § 512(c)(3).

12. Guidelines for Reviews

We may provide you the ability to leave a review or rating. By posting a review, you represent and warrant that:

• You have firsthand experience with the Service;
• Your review does not contain offensive, abusive, racist, or profane language;
• Your review does not contain discriminatory references;
• Your review does not reference illegal activity;
• You are not affiliated with a competitor and the review is not part of a coordinated campaign;
• Your review does not contain false or misleading statements.

We reserve the right to remove, edit, or refuse to post any review at our sole discretion. By posting a review, you grant us a perpetual, non-exclusive, royalty-free, worldwide license to use, reproduce, modify, and display your review in connection with the Service.

13. User Accounts

If the Service requires account creation, you are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to:

• Use a strong, unique password and not share your credentials with any third party;
• Notify us immediately at support@fintology.ai of any unauthorized access or security breach;
• Accept responsibility for all activity on your account, whether or not authorized by you;
• Not create multiple accounts for the purpose of abusing promotions, free trials, or circumventing account restrictions.

14. Third-Party Services & Lender Relationships

The Service integrates with and routes your applications to third-party lenders, financial institutions, and service providers. You acknowledge and agree that:

• Your interactions with third-party lenders are governed by their own terms, conditions, and privacy policies;
• Fintology is not responsible for the acts, omissions, terms, or practices of any third-party lender;
• Fintology does not guarantee the availability, reliability, or performance of any third-party service;
• Any contract, agreement, or arrangement between you and a third-party lender is solely between you and that lender;
• Fintology shall not be liable for any loss, damage, or claim arising from your dealings with third-party lenders.

15. Site Management

We reserve the right, in our sole discretion, to:

• Monitor the Service for violations of this Agreement;
• Take appropriate legal action against any User who violates this Agreement, including reporting to law enforcement;
• Refuse, restrict, limit, disable, or remove any content or accounts at our discretion;
• Manage the Service to protect our rights, property, and the integrity of the platform.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINTOLOGY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or business opportunities;
• Denial or delay of any financing application;
• Unfavorable loan terms offered by third-party lenders;
• Errors, interruptions, or delays in the Service;
• Unauthorized access to or alteration of your data;
• Any conduct or content of any third party on the Service;
• Any other matter relating to the Service.

IN NO EVENT SHALL FINTOLOGY'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICE EXCEED THE TOTAL AMOUNT OF FEES PAID BY YOU TO FINTOLOGY DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100.00), WHICHEVER IS GREATER.

The limitations of liability set forth above are fundamental elements of the basis of the bargain between Fintology and you. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the fullest extent permitted by applicable law.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS-IS," "WHERE IS," AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND DEFECTS, WITHOUT WARRANTY OF ANY KIND. To the maximum extent permitted by applicable law, Fintology expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Warranties arising from course of dealing, usage, or trade practice;
• Any warranty that the Service will meet your requirements, achieve any intended results, be compatible with any software or systems, operate without interruption, or be error-free;
• Any warranty regarding the accuracy, reliability, or completeness of any information provided through the Service;
• Any warranty that defects will be corrected.

18. Indemnification

You agree to defend, indemnify, and hold harmless Fintology, its parent companies, subsidiaries, affiliates, and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees and court costs) arising from or related to:

• Your use or misuse of the Service;
• Your breach of this Agreement;
• Any inaccurate, false, or fraudulent information you provide;
• Your violation of any third-party rights, including intellectual property rights;
• Your violation of any applicable law, rule, or regulation;
• Any chargeback, payment dispute, or reversed transaction initiated by you or on your behalf;
• Any claim by a third-party lender arising from your application or conduct.

19. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including but not limited to a breach of this Agreement, suspected fraud, chargeback filing, or failure to pay.

Upon termination:

• Your right to use the Service will cease immediately;
• Any pending financing applications may be canceled or abandoned at our discretion;
• You will not be entitled to a refund of any fees previously paid;
• Fintology may retain your data as required by law or for legitimate business purposes, including dispute resolution;
• Sections of this Agreement that by their nature should survive termination shall survive, including but not limited to: Limitation of Liability, Indemnification, Dispute Resolution, Governing Law, and Intellectual Property.

If you wish to terminate your account, you may do so by contacting us at support@fintology.ai or through your account settings.

20. Governing Law — Georgia Law Applies Regardless of Where You Are Located

GEORGIA LAW GOVERNS THIS AGREEMENT IN ITS ENTIRETY. This is a material term of the bargain and you expressly and knowingly agree to it as a condition of purchase.

This Agreement, your purchase, your account, your use of the Service, and any dispute, claim, or controversy of any kind arising out of or relating to any of the foregoing — whether sounding in contract, tort, statute, consumer protection, fraud, misrepresentation, restitution, or otherwise — shall be governed by, construed under, and enforced in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law rules or any principle that would apply the substantive law of another jurisdiction. Fintology AI Technologies LLC is formed, headquartered, and operates in Georgia; the Service is provisioned, hosted, administered, and delivered from Georgia; and all payments are received and processed in Georgia. The transaction is therefore deemed to be made, accepted, and performed in the State of Georgia, regardless of where you are physically located when you access the Service or submit payment.

• Your Home-State Law Does Not Displace Georgia Law. You agree that the consumer protection, contract, refund, cancellation, cooling-off, "right of rescission," and unfair-or-deceptive-practices statutes and regulations of your state, province, territory, or country of residence do not govern this Agreement and are not applied to it. Georgia's consumer protection law — including the Georgia Fair Business Practices Act (O.C.G.A. § 10-1-390 et seq.) and the Georgia Uniform Deceptive Trade Practices Act (O.C.G.A. § 10-1-370 et seq.) — is the exclusive consumer protection regime applicable to your relationship with Fintology, to the fullest extent permitted by law.
• Knowing and Voluntary Choice of Law. You acknowledge that you have read this section, that Georgia bears a substantial and reasonable relationship to this transaction, that this choice of law was disclosed to you before payment and accepted by you at checkout, and that you had the opportunity to decline the purchase. You waive any argument that applying Georgia law is unreasonable, unfair, unexpected, unconscionable, or contrary to a fundamental policy of another jurisdiction.
• Exclusive Forum. Any legal action or proceeding not subject to arbitration under Section 21 shall be brought exclusively in the state or federal courts located in DeKalb County or Fulton County, Georgia. You irrevocably consent to the personal jurisdiction and venue of those courts and waive any objection based on forum non conveniens, inconvenient forum, or lack of personal jurisdiction.
• Arbitration Also Applies Georgia Law. Any arbitrator appointed under Section 21 shall apply Georgia substantive law and shall have no authority to apply the law of any other jurisdiction, except where the Federal Arbitration Act or other controlling federal law governs the enforceability of the arbitration agreement itself.
• International Users. If you access the Service from outside the United States, you do so on your own initiative and are solely responsible for compliance with local law. You agree that Georgia law and the Georgia forum apply to you on the same terms, and you waive reliance on any non-U.S. consumer, distance-selling, withdrawal-period, or mandatory-forum protection to the maximum extent permitted by applicable law.
• Non-Waivable Rights Preserved and Severable. Nothing in this section is intended to deprive you of the protection of any provision of law that, by its own terms, cannot be waived or contractually displaced. If a court of competent jurisdiction determines that a specific mandatory provision of your local law must apply notwithstanding this section, that determination is limited to that specific provision only; Georgia law continues to govern every other aspect of this Agreement, and the remainder of this section remains in full force and effect.
• Survival. This Section 20 survives cancellation, termination, deletion of your account, and any refund, chargeback, or dispute.

21. Dispute Resolution

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Informal Resolution

Before initiating any formal dispute proceeding, you agree to first contact Fintology at support@fintology.ai and attempt to resolve the dispute informally for a period of at least thirty (30) days.

Binding Arbitration

If the dispute cannot be resolved informally, you and Fintology agree that any dispute, claim, or controversy arising out of or relating to this Agreement or the Service shall be resolved by binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration shall take place in Atlanta, Georgia, or at a location mutually agreed upon. The arbitrator's decision shall be final and binding.

• Arbitration Fees. For claims under $10,000, Fintology will pay all AAA filing and arbitration fees. For claims above $10,000, fees will be allocated in accordance with AAA rules.
• Small Claims Exception. Either party may bring an individual action in small claims court for disputes within the court's jurisdictional limits.

Class Action Waiver

YOU AND FINTOLOGY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

22. Force Majeure

Fintology shall not be liable for any failure or delay in performing its obligations under this Agreement where such failure or delay results from circumstances beyond Fintology's reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, epidemics or pandemics, power outages, telecommunications or internet failures, third-party service provider outages (including lender system outages or API failures), cyberattacks, government orders, or strikes.

23. Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into this Agreement by reference. By using the Service, you consent to the collection, use, and disclosure of your information as described in our Privacy Policy.

24. Modifications to This Agreement

Fintology reserves the right to modify, amend, or update this Agreement at any time. Material changes will be communicated by posting the updated Agreement on the Service with a revised "Last Updated" date. For material changes that negatively affect your rights, we will provide at least thirty (30) days' notice via email or prominent notice on the Service.

Your continued use of the Service after any modifications to this Agreement constitutes your acceptance of the revised terms. If you do not agree to the modified terms, you must discontinue use of the Service immediately.

25. Notices

All notices to Fintology must be sent to support@fintology.ai or to our mailing address listed below. Notices to you may be sent to the email address associated with your account. Notices are deemed received when sent via email upon successful delivery, and when sent via mail, three (3) business days after deposit in the U.S. mail.

26. Severability & Entire Agreement

If any provision of this Agreement is determined to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from this Agreement. The remaining provisions shall continue in full force and effect.

This Agreement, together with the Privacy Policy, Cookie Policy, and any other policies or operating rules posted by Fintology, constitutes the entire agreement between you and Fintology and supersedes all prior agreements, representations, and understandings.

No waiver of any term or condition of this Agreement shall be deemed a further or continuing waiver of such term or any other term. Our failure to enforce any right or provision of this Agreement shall not constitute a waiver of that right or provision.

27. Acceptable Use & Fair Use Limits

Your subscription grants a limited, non-exclusive, non-transferable, revocable right to use the Services for your own internal business purposes. Usage is subject to the following limits, which exist to preserve platform stability and to protect Fintology's intellectual property:

• One account per entity/user. Login credentials are personal to the authorized seat holder. Sharing, reselling, sublicensing, or rotating credentials among multiple individuals or businesses is a material breach and grounds for immediate termination without refund.
• Seat-based access. Additional users require additional paid seats. Concurrent sessions from irreconcilable locations, devices, or IP ranges may be flagged, throttled, or suspended automatically.
• API and automation limits. Where API access is provided, you must remain within documented rate limits. Fintology may throttle, queue, suspend, or bill for excessive usage that materially exceeds normal single-tenant consumption.
• No scraping or harvesting. You may not use bots, crawlers, headless browsers, scripts, or automated agents to extract data, lender lists, pricing, matching logic, underwriting criteria, templates, or any other Platform content.
• No reverse engineering. You may not decompile, disassemble, replicate, benchmark for competitive purposes, or attempt to derive the source code, models, prompts, workflows, or decision logic of the Services.
• No competing use. You may not use the Services, its outputs, or any knowledge gained from access to build, train, or operate a competing product or service.
• No load-bearing abuse. Penetration testing, stress testing, denial-of-service activity, or vulnerability scanning without prior written authorization is prohibited.

Fintology may monitor usage for compliance with this section. Violations may result in throttling, suspension, termination, forfeiture of prepaid fees, and legal action for damages and injunctive relief.

28. Artificial Intelligence & Automated Output Disclaimer

Portions of the Services use artificial intelligence, machine learning, large language models, and automated decisioning to generate summaries, recommendations, document drafts, matching suggestions, scores, and other outputs ("AI Output").

• Informational only. AI Output is provided for informational and operational convenience only. It is not financial, lending, legal, tax, accounting, credit-repair, or investment advice.
• May be inaccurate. AI Output may be incomplete, outdated, or factually incorrect ("hallucinated"). Fintology does not warrant the accuracy, completeness, or fitness of any AI Output.
• Human review required. You are solely responsible for reviewing, verifying, and approving any AI Output before relying on it, sending it to a third party, or submitting it to a lender, regulator, or customer.
• No decisioning authority. AI Output does not constitute an approval, denial, offer, commitment to lend, or adverse action notice. Only the applicable lender or financial institution makes credit decisions.
• Your inputs. You represent that you have the right to submit any data you enter into AI features and that doing so does not violate any law, contract, or third-party right.

29. Regulatory & Compliance Obligations

You are independently responsible for your own regulatory compliance. Without limiting the foregoing, you represent and warrant that:

• FCRA. You will access, use, and store consumer report information only where you have a permissible purpose under the Fair Credit Reporting Act, will obtain all required consumer authorizations, and will provide any required adverse action notices.
• GLBA / Safeguards Rule. You will protect nonpublic personal information with appropriate administrative, technical, and physical safeguards and will provide required privacy notices.
• ECOA / Regulation B and UDAAP. You will not discriminate against any applicant on a prohibited basis and will not engage in unfair, deceptive, or abusive acts or practices.
• TCPA / CAN-SPAM / state analogs. Any calls, texts, or emails you originate through or as a result of the Services will be made with valid prior express (and where required, prior express written) consent, honoring opt-outs, quiet hours, and do-not-call obligations.
• Licensing. You hold all licenses, registrations, and bonds required for your business activities in every jurisdiction where you operate.
• AML / OFAC. You are not a sanctioned party and will not use the Services to facilitate money laundering, terrorist financing, or transactions with sanctioned persons or jurisdictions.

Misuse of the Services in violation of applicable law is a material breach, permits immediate suspension or termination without refund, and you agree to indemnify Fintology for all resulting claims, fines, and costs.

30. Service Availability, Maintenance & Support

• No uptime guarantee. The Services are provided on a commercially reasonable-efforts basis. Unless a separate written service level agreement is executed, Fintology makes no uptime commitment.
• Scheduled maintenance. Fintology may perform scheduled or emergency maintenance at any time, with or without notice. Maintenance windows are not outages for refund purposes.
• Third-party dependencies. Interruptions caused by third-party providers (hosting, payment processors, credit bureaus, lender APIs, telephony, email providers) are outside Fintology's control and do not constitute a service failure attributable to Fintology.
• Support scope. Support is provided during standard business hours via the channels published in the portal. Support does not include custom development, data entry, marketing services, or business consulting unless separately contracted.
• "Chronic technical failure" (defined numerically). As used in Section 5.2(b), a chronic technical failure means a documented, reproducible defect attributable to Fintology that materially prevents core use of the Services and that meets either of the following objective thresholds, measured from the time you first report it in writing to support with sufficient detail to reproduce it: (a) availability — the core platform is unavailable to you for more than one percent (1%) of any rolling thirty (30) day period, i.e. cumulative downtime exceeding approximately seven (7) hours and twelve (12) minutes in that period, excluding scheduled maintenance announced in advance, emergency security maintenance, force majeure under Section 22, third-party outages under this Section, and issues caused by your device, network, browser, or credentials; or (b) unremedied defect — a reproducible core-function defect that Fintology fails to remedy or provide a functional workaround for within ten (10) business days of your written report. Isolated errors, intermittent slowness, cosmetic issues, feature requests, and defects you have not reported in writing do not meet this definition. Fintology's availability and incident records are the measure of record for these thresholds, and will be furnished to you on request.

31. Beta, Preview & Experimental Features

Fintology may make features available that are labeled beta, preview, pilot, early access, or experimental ("Beta Features"). Beta Features are provided "AS IS," may be modified or discontinued at any time without notice, may contain defects, are excluded from any support or availability commitments, and are not a basis for a refund, credit, or claim. Feedback you provide regarding Beta Features may be used by Fintology without restriction or compensation.

32. Customer Data, Retention, Export & Deletion

• Ownership. You retain ownership of data you upload ("Customer Data"). You grant Fintology a worldwide, non-exclusive license to host, process, transmit, display, and back up Customer Data solely to provide and improve the Services and as required by law.
• Aggregated data. Fintology may create and use de-identified, aggregated statistics derived from platform usage that do not identify you, your customers, or any individual.
• Export. While your account is active and in good standing, you may export your data using the tools available in the portal.
• Post-termination. Following cancellation or termination, Customer Data may be retained for a limited wind-down period and then permanently deleted. Fintology has no obligation to retain Customer Data after that period.
• Permanent deletion. Where you exercise the permanent account deletion right described in Section 7.1, deletion is irreversible, immediate for portal access, and propagated to backups on our standard rotation cycle. Records required for legal, tax, audit, anti-fraud, or dispute-defense purposes may be retained as permitted by law.
• Backups are not archival. Backups exist for disaster recovery only and are not a customer-accessible archive service.

33. Security & Incident Response

Fintology maintains commercially reasonable administrative, technical, and physical safeguards designed to protect the Services. You are responsible for: safeguarding credentials, enabling and maintaining multi-factor authentication where offered, promptly deprovisioning departing users, and immediately notifying Fintology of any suspected unauthorized access. Fintology is not liable for losses arising from your failure to secure your credentials, devices, or email accounts. In the event of a confirmed security incident affecting your Customer Data, Fintology will notify you without undue delay consistent with applicable law and will cooperate reasonably in remediation.

34. Confidentiality & Non-Circumvention

Each party may receive confidential information of the other, including pricing, lender relationships, underwriting criteria, product roadmaps, workflows, templates, scripts, and non-public technical information. The receiving party shall use such information solely to perform under this Agreement, protect it with at least reasonable care, and not disclose it to third parties except to personnel with a need to know who are bound by comparable obligations.

Non-circumvention. You agree not to circumvent Fintology by directly contracting with, soliciting, or transacting with lenders, funding sources, vendors, or partners first introduced to you through the Platform for the purpose of avoiding fees otherwise payable to Fintology, for a period of twenty-four (24) months following such introduction. This section survives termination.

35. Feedback & Publicity

If you submit ideas, suggestions, feature requests, or feedback, you grant Fintology a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and commercialize that feedback without attribution or compensation. Unless you opt out in writing, Fintology may identify you as a customer and display your business name and logo on its website, decks, and marketing materials. Any testimonial, review, or case study you provide may be used and reproduced by Fintology in whole or in part.

36. Taxes, Fees & Collections

• All fees are exclusive of sales, use, VAT, GST, and similar taxes, which are your responsibility except for taxes on Fintology's net income.
• Failed payments. Declined or reversed payments may incur a returned-payment fee where permitted by law, and access may be suspended until the balance is cured.
• Late amounts. Past-due balances may accrue interest at the lesser of 1.5% per month or the maximum permitted by law.
• Collections. You are responsible for all reasonable costs of collection, including collection agency fees, court costs, and attorneys' fees.
• Price changes. Fintology may modify pricing for future renewal terms with at least thirty (30) days' notice; continued use after the effective date constitutes acceptance.

37. Fraud Prevention & Suspension Rights

Fintology may immediately suspend or restrict access, without refund, where it reasonably suspects: fraud, identity misrepresentation, stolen or unauthorized payment instruments, chargeback abuse, credential sharing, scraping or reverse engineering, KYB/KYC failure, sanctions exposure, or activity that threatens the security or integrity of the Platform or other customers. Suspension pending investigation is not a breach by Fintology and does not extend or toll your billing period, except that a KYB/KYC failure is handled under Section 5.2(d).

38. Client Responsibilities & Dependencies

Successful use of the Services requires your active participation. You are responsible for providing accurate, complete, and current business and applicant information; responding to requests for documentation in a timely manner; maintaining working contact methods; completing onboarding steps; and training your own personnel. Delays, poor outcomes, or missed opportunities caused by your inaction, inaccurate submissions, or failure to respond are not service failures by Fintology and are not a basis for a refund, credit, or chargeback.

39. Third-Party Lender Decisions Are Not a Refund Basis

Credit decisions — including approvals, denials, offer amounts, rates, terms, funding timelines, stipulations, and withdrawals — are made exclusively by independent third-party lenders and financial institutions applying their own criteria. Fintology has no authority over, and makes no representation, warranty, or guarantee regarding, any lender outcome. A denial, a smaller-than-expected offer, unfavorable terms, or a lender's failure to fund is not a defect in the Services and is not a basis for a refund or chargeback, except where the limited "no offer produced" ground in Section 5.2(a) is independently satisfied.

40. Export Controls & International Use

The Services are controlled and operated from the United States and are intended for use by businesses operating lawfully in permitted jurisdictions. You may not access or use the Services in violation of U.S. export control, sanctions, or embargo laws, and you represent that you are not located in, organized under the laws of, or ordinarily resident in a sanctioned jurisdiction, and are not listed on any U.S. government restricted-party list. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with local law.

41. Assignment, Referrals & Affiliates

You may not assign or transfer this Agreement, your account, or any rights under it without Fintology's prior written consent; any attempted assignment without consent is void. Fintology may assign this Agreement in connection with a merger, acquisition, reorganization, or sale of assets.

Participation in any Fintology referral, affiliate, or partner program is governed by the separate program terms accepted at enrollment. Commissions are payable only on collected, non-refunded, non-charged-back revenue; are subject to clawback if the underlying transaction is reversed; require accurate tax documentation; and may be forfeited for self-referrals, incentivized fraud, trademark bidding, spam, or misrepresentation of the Services.

42. Contact Us

If you have any questions about these Terms & Conditions, You can contact us:

• By email: support@fintology.ai
• By phone: +1 (800) 448-1103
• By visiting this page on our website: www.fintology.ai