Terms of Use
Last updated: 4 February 2026
These Terms of Use (“Terms”) are a binding agreement between you and Finistack, Inc. (“Finistack,” “we,” “us,” or “our”). These Terms govern your access to and use of our websites, applications, products, and services (collectively, the “Services”).
By accessing or using the Services, you agree to these Terms and our Privacy Policy (the “Privacy Policy”). If you do not agree, do not use the Services.
1) Changes to These Terms
We’re always improving the Services and may update these Terms from time to time. If we make material changes, we’ll notify you by posting on finistack.com or finistack.net, emailing you, or via in‑product notices. If you continue using the Services after the updated Terms take effect, you accept the changes. No amendment or modification by you is valid unless in a signed writing by Finistack.
2) Eligibility and Your Privacy
- Privacy. Your privacy is important to us. Please read our Privacy Policy to understand how we collect, use, and share information.
- Age. The Services are not intended for individuals under 18. We do not knowingly collect personal information from individuals under 18. If you believe a minor has provided personal data, contact us at support@finistack.com and we will promptly delete it.
- Compliance. You will use the Services only as permitted by applicable laws and regulations.
Finistack is not a bank or financial institution, a consumer reporting agency, credit repair company, debt counselor, investment adviser or broker, or a furnisher of credit information. The Services and any information provided do not constitute financial, investment, insurance, accounting, legal, tax, or other professional advice. Always consult qualified professionals before making decisions.
3) Account Registration and Security
- Accurate Information. You agree to provide accurate, current, and complete registration information, and keep it updated.
- Credentials. Safeguard your username and password; you are responsible for all activities that occur under your account.
- Non‑transferability. Do not sell, transfer, or assign your account without our prior written consent.
4) Permitted Use and Prohibited Conduct
You agree to use the Services only for your personal purposes (as allowed by your plan) and in compliance with applicable law. You will not (and will not permit others to):
- Infringe intellectual property or other rights of any party.
- Violate laws or regulations (including export controls, privacy, and data protection laws).
- Access or collect data from the Services via scraping, crawling, or automated means unless expressly permitted by us.
- Bypass, interfere with, or impair security, rate limits, access controls, or the normal operation of the Services.
- Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code, models, datasets, or other underlying components of the Services.
- Use the Services or any Outputs to train or enhance any AI or machine learning models, or to build competing products or services.
- Upload malicious code, or run processes intended to overload or disrupt the Services.
- Misrepresent identities or impersonate another person or entity.
5) Content and Ownership
- Your Content. “User Content” means content you submit, upload, or otherwise make available through the Services. You retain ownership of your User Content.
- Our License to Operate the Services. You grant Finistack a worldwide, non‑exclusive, royalty‑free, sublicensable license to host, reproduce, process, adapt, display, and transmit your User Content solely to provide and improve the Services.
- Aggregated/De‑identified Data. We may create and use aggregated, de‑identified or anonymized data derived from the Services to analyze and improve our Services. We will not disclose such data in a way that identifies you.
- Service Content. The Services, including software, interfaces, workflows, templates, documentation, AI models and outputs, text, graphics, and other materials are owned by Finistack or its licensors and are protected by intellectual property laws.
6) AI‑Powered Features
- Probabilistic Outputs. AI is probabilistic and may produce inaccurate or incomplete information. You are responsible for verifying any output before relying on it.
- No Professional Advice. AI outputs are not financial, legal, tax, investment, or other professional advice.
- Use Restrictions. You will not prompt AI Features with deceptive inputs, attempt to extract underlying models or training data, or use outputs to train your own or third‑party AI/ML systems.
- Safety. Do not rely on AI outputs where errors could lead to financial loss, legal exposure, or physical harm without appropriate human review.
7) Third‑Party Services and Data Access
Some features rely on third‑party services (e.g., data aggregators, cloud providers, app store platforms, analytics, payments). When you connect a third‑party account, you authorize Finistack and our service providers to access, retrieve, and use information from those third parties on your behalf to provide the Services. Your use of third‑party services may be governed by those third parties’ terms and privacy policies.
8) Copyright Complaints (DMCA)
We respect intellectual property rights. If you believe content on the Services infringes your copyright, you may file a notice under the DMCA by contacting our Copyright Agent at support@finistack.com with the information required by 17 U.S.C. §512(c)(3).
9) Fees, Billing, and Trials
- Subscriptions. Certain Services require a paid subscription (a “Paid Plan”).
- Billing. You authorize us (and our payment processors) to charge your payment method in advance at the billing interval you select. Fees are non‑refundable except as required by law.
- Auto‑Renewal. Your subscription auto‑renews until canceled. Cancellation takes effect at the end of the current term.
- Price Changes. We may change prices with notice; changes apply upon renewal.
- Trials & Promotions. Trials run for the stated period. Cancel before the trial ends to avoid charges.
10) Acceptable Use of Communications
You agree not to use the Services to send spam, harass, or transmit unlawful, harmful, or deceptive content. We may monitor limited aspects of Service use for abuse, security, and legal compliance, consistent with our Privacy Policy.
11) Referrals and Promotions
From time to time, we may offer referral programs or promotions. Details, eligibility, limits, and rewards are described in the applicable offer terms. We may modify or discontinue offers at any time. If we suspect abuse, we may withhold, cancel, or claw back rewards.
12) Disclaimers
You access the Services at your own risk. The Services and all Finistack Content are provided “AS IS” and “AS AVAILABLE,” without warranties of any kind. We do not warrant that the Services will be uninterrupted, secure, or error‑free. Any recommendations or information do not constitute professional advice. Past performance does not guarantee future results.
13) Termination and Suspension
You may stop using the Services at any time. We may suspend or terminate your access at any time, with or without notice, including for violation of these Terms, legal risk, security concerns, or discontinuation of features. Sections intended to survive will survive termination.
14) Limitation of Liability
To the maximum extent permitted by law, Finistack will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or losses of profits, revenue, data, goodwill, or business interruption. Our aggregate liability for all claims will not exceed the greater of (i) US $100 or (ii) the amounts you paid to Finistack in the twelve (12) months preceding the event giving rise to liability.
15) Indemnification
You agree to defend, indemnify, and hold harmless Finistack and its affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your User Content; (c) your violation of these Terms or applicable law; or (d) your infringement of any third‑party rights.
16) App Store Terms (Apple & Google)
If you access the Services via a mobile application obtained from the Apple App Store or Google Play, Apple Inc. and Google LLC are not parties to these Terms and are not responsible for the app or its content. They are third‑party beneficiaries of this section and may enforce it.
17) License
Unless otherwise stated, Finistack and/or its licensors own the intellectual property rights for all material on Finistack. All intellectual property rights are reserved. You may access this for your own personal use subject to restrictions set in these terms.
18) Export and Sanctions Compliance
The Services may be subject to U.S. and other export control, sanctions, and technology laws. You agree to comply with all applicable export and re‑export restrictions.
19) Governing Law; Dispute Resolution; Arbitration
- Governing Law. These Terms are governed by the laws of the State of Washington.
- Arbitration. Any dispute will be resolved exclusively by binding arbitration before a single arbitrator under the JAMS/AAA rules, in Seattle, WA and in English.
- Class Action Waiver. Claims may be brought only in an individual capacity, and not as a plaintiff or class member in any class or representative proceeding.
- Opt‑Out. You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to support@finistack.com.
20) Assignment
You may not assign, transfer, or delegate these Terms, your rights or obligations, or your account without our prior written consent. We may assign or transfer these Terms without restriction.
21) Miscellaneous
These Terms and any referenced policies are the entire agreement between you and Finistack. If any provision is held invalid, it will be limited or eliminated to the minimum extent necessary. Failure to enforce any provision is not a waiver. You and Finistack are independent contractors.
22) Contact
For questions about these Terms or the Services, contact us at support@finistack.com.