Terms of Service

Version 2.0
Effective Date: January 15, 2025
Last Updated: January 15, 2025

1. Agreement to Terms

The website located at textfinn.com (the "Site") and the Finn AI financial communication service (the "Service") are provided by Finnance AI ("Company", "us", "our", and "we"). By accessing or using the Site or Service, you agree to be bound by these Terms of Service ("Terms"). If you do not agree with all of the provisions of these Terms, do not access and/or use the Site or Service.

IMPORTANT NOTICE: These Terms govern your use of Finn, an AI-powered financial communication service that provides personalized financial insights, bank account connections, and automated financial guidance through text-based conversations.

2. Eligibility and Account Registration

2.1 Eligibility

You must be at least 18 years old and legally capable of entering into contracts to use our Service. By using Finn, you represent and warrant that you meet these eligibility requirements.

2.2 Account Creation

In order to use certain features of the Service, you must register for an account ("Account") and provide certain information about yourself as prompted by the account registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions on the Site. Company may suspend or terminate your Account in accordance with Section 9.

2.3 Account Responsibilities

You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

3. Description of Service

Finn is an AI-powered financial communication platform that provides:

Personalized financial insights and recommendations through text-based conversations
Secure connections to your bank accounts and financial institutions
Real-time spending analysis and financial alerts
Automated financial guidance and educational content
AI-powered financial planning and goal tracking

4. Financial Data and Bank Connections

4.1 Bank Account Connections

When you connect your bank accounts to Finn:

You authorize us to access your financial data through secure, read-only connections
We use bank-level encryption and security protocols (AES-256, TLS 1.3)
You can disconnect accounts at any time through your account settings
We do not store your banking login credentials
We work with trusted third-party financial data providers (Plaid, Yodlee, etc.)

4.2 Financial Data Processing

By using our Service, you authorize us to:

Collect, process, and analyze your financial information
Share your data with our service providers as necessary to operate the Service
Use your data to improve our AI models and provide better insights
Retain your data according to our Privacy Policy and legal requirements (typically 7 years for financial data)

4.3 Data Accuracy and Third-Party Services

You acknowledge that:

We rely on data provided by your financial institutions and third-party providers
We are not responsible for errors in data provided by third parties
You should verify important financial information independently
We may not have access to all your financial accounts or transactions
Third-party financial services are subject to their own terms and privacy policies

5. AI and Financial Advice Disclaimer

5.1 Not Financial Advice

Finn provides AI-powered financial insights and recommendations, but:

This information is for educational and informational purposes only
Finn is not a licensed financial advisor, broker, or investment advisor
Our AI recommendations are not personalized financial advice
You should consult with qualified financial professionals for major financial decisions

5.2 Investment and Financial Decisions

You acknowledge that:

All investment and financial decisions are your sole responsibility
We are not liable for any financial losses resulting from your decisions
Past performance does not guarantee future results
Market conditions and financial situations can change rapidly
AI-generated insights may not account for all relevant factors

5.3 AI Limitations and Training

Our AI system may:

Make errors or provide inaccurate information
Not account for all relevant factors in your financial situation
Provide generic advice that may not be suitable for your specific circumstances
Be limited by the quality and completeness of available data
Use your anonymized data to train and improve our models (with your consent)

6. Access to the Site and Service

6.1 License

Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site and Service solely for your own personal, noncommercial use.

6.2 Certain Restrictions

The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site or Service, whether in whole or in part, or any content displayed on the Site; (b) you shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Site or Service; (c) you shall not access the Site or Service in order to build a similar or competitive website, product, or service; and (d) except as expressly stated herein, no part of the Site or Service may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means.

6.3 Modification

Company reserves the right, at any time, to modify, suspend, or discontinue the Site or Service (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Site or Service or any part thereof.

6.4 No Support or Maintenance

You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Site or Service, except as required by applicable law or regulation.

7. User Content and Acceptable Use

7.1 User Content

"User Content" means any and all information and content that a user submits to, or uses with, the Site or Service (e.g., content in the user's profile, financial data, or communications with Finn). You are solely responsible for your User Content. You assume all risks associated with use of your User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party.

7.2 Acceptable Use Policy

You agree not to use the Site or Service to:

Collect, upload, transmit, display, or distribute any User Content that violates any third-party right, including any copyright, trademark, patent, trade secret, moral right, privacy right, right of publicity, or any other intellectual property or proprietary right
Engage in any unlawful, harassing, abusive, tortious, threatening, harmful, invasive of another's privacy, vulgar, defamatory, false, intentionally misleading, or otherwise objectionable behavior
Provide false or misleading financial information
Use the Service for money laundering or other illegal financial activities
Attempt to manipulate or game our AI systems
Share your account with unauthorized users
Upload, transmit, or distribute to or through the Site any computer viruses, worms, or any software intended to damage or alter a computer system or data
Attempt to gain unauthorized access to the Site or Service

7.3 Enforcement

We reserve the right (but have no obligation) to review, refuse and/or remove any User Content in our sole discretion, and to investigate and/or take appropriate action against you in our sole discretion if you violate the Acceptable Use Policy or any other provision of these Terms.

8. Third-Party Links and Services

8.1 Third-Party Financial Services

The Service may integrate with third-party financial services and data providers. Such services are not under the control of Company, and Company is not responsible for any third-party services. Company provides access to these services only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to third-party services.

8.2 Third-Party Terms

When you use third-party financial services through our Service, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such third-party services.

9. Term and Termination

9.1 Term

Subject to this Section, these Terms will remain in full force and effect while you use the Site or Service.

9.2 Termination by You

You may terminate your account at any time by:

Contacting us at help@textfinn.com
Using the account deletion feature in your account settings
Following the termination procedures in our Privacy Policy

9.3 Termination by Us

We may suspend or terminate your rights to use the Site or Service (including your Account) at any time for any reason at our sole discretion, including for any use of the Site or Service in violation of these Terms.

9.4 Effect of Termination

Upon termination of your rights under these Terms, your Account and right to access and use the Site and Service will terminate immediately. You understand that any termination of your Account may involve deletion of your User Content associated with your Account from our live databases, subject to our data retention policies and legal requirements.

10. Disclaimers

THE SITE AND SERVICE ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS, AND COMPANY (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.

WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE SITE OR SERVICE WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE.

SPECIFICALLY FOR FINANCIAL SERVICES: We make no warranty regarding the accuracy, completeness, or reliability of financial data obtained from third parties, including banks and financial institutions. We are not responsible for any financial losses, investment decisions, or other consequences resulting from your use of our AI recommendations or financial insights.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (OR OUR SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SITE OR SERVICE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SPECIFICALLY FOR FINANCIAL SERVICES: We shall not be liable for any financial losses, investment decisions, or other consequences resulting from your use of our AI recommendations, financial insights, or third-party financial data.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION), WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY US DOLLARS ($50.00).

12. Indemnification

You agree to indemnify and hold Company (and its officers, employees, and agents) harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Site or Service, (b) your violation of these Terms, (c) your violation of applicable laws or regulations or (d) your User Content. Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims.

13. Ownership and Intellectual Property

13.1 Our Intellectual Property

Excluding any User Content that you may provide, you acknowledge that all the intellectual property rights, including copyrights, patents, trade marks, and trade secrets, in the Site and Service and its content are owned by Company or Company's suppliers.

13.2 Feedback

If you provide Company with any feedback or suggestions regarding the Site or Service ("Feedback"), you hereby assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate.

14. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Service, you consent to the collection and use of information as outlined in our Privacy Policy.

15. Governing Law and Disputes

15.1 Governing Law

These Terms are governed by the laws of the State of Utah without regard to conflict of law principles.

15.2 Dispute Resolution

PLEASE READ THE FOLLOWING ARBITRATION AGREEMENT CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES WITH COMPANY AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US.

15.2.1 Applicability of Arbitration Agreement

You agree that any dispute between you and any of the Company Parties relating in any way to the Site, the services offered on the Site (the "Services") or these Terms will be resolved by binding arbitration, rather than in court, except that (1) you and the Company Parties may assert individualized claims in small claims court if the claims qualify, remain in such court and advance solely on an individual, non-class basis; and (2) you or the Company Parties may seek equitable relief in court for infringement or other misuse of intellectual property rights.

15.2.2 Informal Dispute Resolution

Before either party commences arbitration, we will personally meet and confer telephonically or via videoconference, in a good faith effort to resolve informally any Dispute covered by this Arbitration Agreement. The party initiating a Dispute must give notice to the other party in writing of its intent to initiate an Informal Dispute Resolution Conference, which shall occur within 45 days after the other party receives such Notice.

15.2.3 Arbitration Rules and Forum

The arbitration will be conducted by JAMS, an established alternative dispute resolution provider. Disputes involving claims and counterclaims with an amount in controversy under $250,000 shall be subject to JAMS' Streamlined Arbitration Rules; all other claims shall be subject to JAMS' Comprehensive Arbitration Rules and Procedures.

15.2.4 Waiver of Class or Other Non-Individualized Relief

YOU AND COMPANY AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS. ONLY INDIVIDUAL RELIEF IS AVAILABLE, AND DISPUTES OF MORE THAN ONE CUSTOMER OR USER CANNOT BE ARBITRATED OR CONSOLIDATED WITH THOSE OF ANY OTHER CUSTOMER OR USER.

15.2.5 30-Day Right to Opt Out

You have the right to opt out of the provisions of this Arbitration Agreement by sending a timely written notice of your decision to opt out to the following address: 2505 S 2350 E, St George, Utah 84790, or email to help@textfinn.com, within 30 days after first becoming subject to this Arbitration Agreement.

16. General Provisions

16.1 Entire Agreement

These Terms constitute the entire agreement between you and us regarding the use of the Site and Service. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

16.2 Changes to Terms

These Terms are subject to occasional revision. If we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us, and/or by prominently posting notice of the changes on our Site.

16.3 Severability

If any provision of these Terms is, for any reason, held to be invalid or unenforceable, the other provisions of these Terms will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law.

16.4 Assignment

These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company's prior written consent. Company may freely assign these Terms.

17. Contact Information

Company Address:
2505 S 2350 E
St George, Utah 84790

Phone: 435-414-6555

Email: help@textfinn.com

Legal Inquiries: legal@textfinn.com

These Terms of Service are effective as of January 15, 2025, and were last updated on January 15, 2025.