1. Agreement to Terms
These Terms of Service (the "Terms") are a legally binding agreement between you and FinDash, Inc., a Delaware corporation ("FinDash," "we," "us," or "our"). They govern your access to and use of our websites, applications, software, content, and related services (collectively, the "Services"). By creating an account, clicking to accept, purchasing a subscription, or using the Services, you agree to these Terms and our Privacy Policy.
If you use the Services for a company, advisory firm, household, client, or other organization, you represent that you have authority to bind that organization, and "you" includes that organization. If you do not agree to these Terms, do not access or use the Services.
2. Description of the Services
FinDash provides software tools for financial planning, household collaboration, cash-flow and budget analysis, portfolio and retirement modeling, goal tracking, document organization, reporting, client collaboration, and AI-assisted analysis. The Services may connect with third-party financial institutions, data providers, payment processors, model providers, or other integrations at your direction.
Features, integrations, usage limits, and availability may vary by plan, account type, geography, or provider. We may improve, replace, restrict, suspend, or discontinue any part of the Services. We will provide notice when reasonably practicable if a material change significantly reduces the core functionality of a paid subscription.
3. Eligibility, Accounts, and Authorized Users
- You must be at least 18 years old and legally capable of entering into this agreement.
- You must provide accurate, current information and keep it updated.
- You are responsible for safeguarding credentials, using appropriate security controls, and promptly notifying us of suspected unauthorized access.
- You are responsible for activity under your account and for users you invite or authorize, including household members, clients, employees, contractors, and administrators.
- Organizations are responsible for assigning appropriate roles, supervising their authorized users, and promptly removing access when it is no longer required.
- You may not transfer, sell, or share an individual login. You may permit access only through collaboration and seat features expressly made available by FinDash.
Contact hello@findash.ai immediately if you believe an account has been compromised. We may require identity or authority verification before granting, restoring, or changing access.
4. Financial, Professional, AI, and Third-Party Information
a. Software, Not Professional Advice
FinDash is a software provider. Unless expressly stated in a separate written agreement, FinDash is not acting as your investment adviser, broker-dealer, fiduciary, custodian, attorney, accountant, tax adviser, or insurance producer. The Services do not constitute investment, legal, tax, accounting, insurance, or other professional advice, and no fiduciary or professional-client relationship is created between you and FinDash.
b. Advisor and Firm Responsibilities
Advisory firms and other professional users remain solely responsible for their regulated activities and professional judgment, including supervision, suitability or fiduciary obligations, required disclosures, books and records, marketing review, client communications, approvals, and compliance with applicable laws and professional standards. FinDash does not review or approve advice, recommendations, reports, or communications delivered by a professional user to a client.
c. AI-Assisted Features Require Human Review
AI-generated or AI-assisted content may be incomplete, outdated, inaccurate, biased, or unsuitable for a particular person or purpose. It may not reflect all facts, market conditions, laws, or professional requirements. You must independently review, verify, and approve AI-assisted output before relying on it, sharing it, or using it to make or support any financial, legal, tax, investment, compliance, or other material decision. You may not represent AI-assisted output as having been independently verified by FinDash.
d. Third-Party Data and Services
Data obtained from financial institutions, aggregators, market-data vendors, model providers, or other third parties may be delayed, incomplete, unavailable, or incorrect. Third-party services are governed by their own terms and privacy practices. FinDash does not control and is not responsible for third-party services, their availability, or the accuracy of data they provide. You are responsible for confirming material information against authoritative records before acting on it.
e. Risk
Financial planning and investing involve risk. Projections, simulations, scenarios, return assumptions, and estimates are hypothetical, are not guarantees, and may differ materially from actual results. Past performance does not guarantee future results. Seek advice from appropriately qualified professionals before making material decisions.
5. Acceptable Use
You may not, and may not enable another person to:
- use the Services unlawfully, fraudulently, deceptively, or in violation of another person's rights;
- access, collect, upload, or disclose personal, financial, or confidential information without all required authority, notices, and consents;
- circumvent security, authentication, usage limits, access controls, or plan restrictions;
- probe, scan, disrupt, overload, damage, or introduce malicious code into the Services or related systems;
- reverse engineer, decompile, or attempt to derive source code, models, or non-public components, except to the limited extent applicable law prohibits this restriction;
- scrape, harvest, bulk-download, benchmark, resell, sublicense, or commercially exploit the Services or FinDash Content without our written permission;
- use automated agents, bots, or tools except through functionality or interfaces expressly authorized by FinDash;
- use the Services or their output as the sole basis for high-impact decisions or without the human review required by Section 4; or
- use the Services in a way that could create material security, legal, regulatory, reputational, or operational risk to FinDash, our providers, or other users.
We may investigate suspected violations and preserve or disclose relevant information when permitted or required by law. Our failure to detect or prevent a violation does not waive our rights.
6. Ownership and License
The Services, including their software, interfaces, designs, text, graphics, workflows, documentation, trademarks, and other content (collectively, "FinDash Content"), are owned by FinDash or our licensors and protected by intellectual property laws. Subject to these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to access and use the Services for your internal personal or business purposes during the applicable subscription term.
Except for this limited right, no license is granted by implication, estoppel, or otherwise. You may not copy, modify, distribute, sell, lease, publicly display, create derivative works from, or otherwise exploit FinDash Content without our prior written permission. FinDash does not offer a public API unless we expressly state otherwise in separate documentation or terms.
7. Customer Data and Feedback
a. Ownership and Authority
As between you and FinDash, you retain your rights in information, documents, prompts, records, and other content you submit or authorize for use with the Services ("Customer Data"). You represent that you have all rights, permissions, notices, and consents necessary for FinDash and our providers to process Customer Data as described in these Terms, the Privacy Policy, and any applicable written agreement. Professional users are responsible for obtaining authority to process client and household data.
b. Limited License to Provide the Services
You grant FinDash and our service providers a worldwide, non-exclusive license to host, copy, transmit, process, display, and otherwise use Customer Data only as necessary to provide, secure, support, and improve the Services; comply with your instructions; prevent fraud or abuse; and meet legal obligations. Our handling of personal information is described in the Privacy Policy and, where applicable, a separate data processing agreement.
c. AI Processing and De-Identified Information
FinDash does not sell identifiable Customer Data or use it to train a FinDash foundation model. When third-party AI providers process Customer Data for a requested feature, we use provider configurations and contractual protections intended to prevent that data from being used to train general-purpose provider models. We may create and use aggregated or de-identified information for analytics, security, and service improvement, provided it cannot reasonably be used by us to identify you or another person.
d. Backups, Exports, and Retention
You are responsible for maintaining copies of information you are required to retain and for exporting needed data before account closure. FinDash is not a system of record unless a separate written agreement expressly says otherwise. Data may be retained, deleted, or made unavailable in accordance with the Privacy Policy, product functionality, legal obligations, and our standard retention processes.
e. Feedback
If you provide suggestions, ideas, or feedback, you grant FinDash a worldwide, perpetual, irrevocable, royalty-free right to use and incorporate it without restriction or compensation, provided we do not publicly identify you as its source without permission.
8. Subscriptions, Billing, Cancellation, and Refunds
a. Plans and Orders
Current plans, included features, seat quantities, trial terms, usage allowances, billing intervals, and prices are shown when you subscribe or in an order form. Those checkout or order terms are incorporated into these Terms. If an order form signed by FinDash conflicts with these Terms, the order form controls only for that order and only to the extent of the conflict.
b. Recurring Billing and Authorization
Paid subscriptions are billed in advance and automatically renew for successive periods equal to the selected billing interval until canceled. By subscribing, you authorize FinDash and our payment processor to charge the payment method on file for subscription fees, additional seats or usage you approve, and applicable taxes. You are responsible for keeping billing information current. We may retry failed charges and suspend paid features or access for overdue amounts.
c. Trials and Promotions
If a trial or promotion converts to a paid subscription, the duration, price, billing interval, conversion date, and cancellation method will be disclosed when you enroll. Unless you cancel before the stated conversion date, you authorize us to charge the disclosed subscription price. Eligibility is determined by FinDash, and trials or promotions may not be combined, transferred, renewed, or extended unless we agree in writing.
d. Cancellation
You may cancel a self-service subscription through the billing or subscription controls in your FinDash account. If those controls are unavailable for your plan, contact hello@findash.ai. Cancellation stops future renewal charges but does not reverse a charge already processed. Unless otherwise stated at checkout or in an order form, access continues through the end of the then-current paid period. You should cancel before the renewal or trial conversion date to avoid the next charge.
e. Price Changes and Taxes
We may change fees prospectively. Price changes generally take effect at the next renewal after reasonable prior notice, unless a shorter period is required for taxes, law, provider costs, or a change you request. Fees exclude applicable taxes unless stated otherwise, and you are responsible for those taxes except taxes on FinDash's net income.
f. No Refunds
Except where required by applicable law or expressly stated in a written order form signed by FinDash, all payments are final and non-refundable. We do not provide refunds or credits for partial periods, unused seats or features, usage below plan limits, accidental purchases, or dissatisfaction with the Services. This no-refund rule does not limit any non-waivable rights you may have under applicable law.
g. Payment Disputes
Please contact us promptly if you believe a charge is incorrect. Initiating a payment reversal or chargeback for a valid charge does not cancel the subscription or eliminate amounts lawfully owed. We may suspend access while a payment dispute is investigated, subject to applicable law.
9. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES, FINDASH CONTENT, OUTPUTS, AND THIRD-PARTY DATA ARE PROVIDED "AS IS" AND "AS AVAILABLE." FINDASH AND OUR LICENSORS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR AVAILABLE AT A PARTICULAR TIME; THAT DEFECTS OR DATA ERRORS WILL BE CORRECTED; THAT OUTPUTS OR PROJECTIONS WILL BE ACCURATE OR SUITABLE; THAT CUSTOMER DATA WILL NEVER BE LOST; OR THAT THE SERVICES WILL SATISFY YOUR LEGAL, REGULATORY, RECORDKEEPING, OR PROFESSIONAL OBLIGATIONS. BETA, PREVIEW, OR EXPERIMENTAL FEATURES MAY BE CHANGED OR WITHDRAWN AT ANY TIME AND MAY BE LESS RELIABLE THAN GENERALLY AVAILABLE FEATURES.
Some jurisdictions do not allow certain warranty disclaimers. In those jurisdictions, the disclaimers apply only to the extent permitted by law.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINDASH, OUR AFFILIATES, AND OUR AND THEIR DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, REVENUE, BUSINESS, OPPORTUNITY, GOODWILL, USE, OR DATA, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED THAT SUCH DAMAGES WERE POSSIBLE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF FINDASH AND THE OTHER PARTIES IDENTIFIED ABOVE FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FINDASH FOR THE SERVICES GIVING RISE TO THE CLAIM DURING THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (B) ONE HUNDRED U.S. DOLLARS ($100).
These limitations apply regardless of the form of action and are an essential basis of the bargain. They do not limit liability that cannot lawfully be limited, including liability for fraud, willful misconduct, or other liability excluded from limitation by applicable law.
11. Indemnification
To the extent permitted by law, you will defend, indemnify, and hold harmless FinDash, our affiliates, and our and their officers, directors, employees, agents, licensors, and service providers from third-party claims, damages, liabilities, judgments, losses, costs, and reasonable attorneys' fees arising out of or relating to: (a) your Customer Data; (b) your violation of these Terms, law, or another person's rights; (c) your misuse of the Services; (d) your professional services, advice, communications, or decisions; or (e) the acts or omissions of users you authorize.
We may control the defense and settlement of an indemnified claim, and you will reasonably cooperate. You may not settle a claim in a way that admits fault by or imposes obligations on FinDash without our prior written consent. This section does not require a consumer to indemnify FinDash to the extent prohibited by applicable law.
12. Privacy and Security
Our Privacy Policy explains how we collect, use, and disclose personal information. We maintain administrative, technical, and organizational safeguards designed to protect Customer Data, but no system or transmission method is completely secure. You are responsible for the security of your devices, accounts, credentials, exports, and systems under your control.
Current security and compliance documentation may be requested through the FinDash Compliance Portal. Portal materials describe the scope and status of applicable controls and assessments and control over any generalized description in these Terms.
13. Changes to the Services or Terms
We may change the Services and these Terms from time to time. If we make a material change to these Terms, we will provide notice through the Services, by email, or by another reasonable method and will identify the effective date. Changes required for security, legal, or regulatory reasons may take effect immediately. Unless otherwise stated, other material changes apply prospectively. If you do not agree to revised Terms, you must stop using the Services and cancel before the changes take effect. Continued use after the effective date constitutes acceptance to the extent permitted by law.
14. Suspension and Termination
We may limit, suspend, or terminate access if we reasonably believe: (a) you violated these Terms or law; (b) your use creates a security, fraud, legal, regulatory, or operational risk; (c) fees are overdue; (d) you are subject to sanctions or other legal restrictions; (e) your use threatens the Services or another person; or (f) suspension is required by a provider or government authority. We may act without advance notice when reasonably necessary to prevent harm, but will provide notice when practicable.
You may stop using the Services at any time, but account closure does not itself cancel an active subscription unless the product expressly confirms cancellation. On termination, your right to use the Services ends. Sections that by their nature should survive will survive, including ownership, payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, and general terms.
15. Governing Law, Arbitration, and Class Action Waiver
a. Governing Law
These Terms and any dispute are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-law rules. Mandatory consumer protections of your home jurisdiction continue to apply when they cannot lawfully be waived.
b. Informal Resolution
Before starting arbitration, either party must send the other a written notice describing the dispute, the supporting facts, and the requested relief. Notices to FinDash must be sent to hello@findash.ai with the subject "Legal Dispute Notice." The parties will attempt in good faith to resolve the dispute for 60 days after receipt. Any applicable limitations period is tolled during that period.
c. Binding Individual Arbitration
Except for matters described below, any dispute arising out of or relating to these Terms or the Services will be resolved by confidential, binding arbitration before one neutral arbitrator administered by the American Arbitration Association under the rules applicable to the claim and in effect when arbitration begins. The Federal Arbitration Act governs this arbitration provision. Hearings may occur by video, telephone, in the county where you live, or in Wilmington, Delaware, as the applicable rules and arbitrator permit. The arbitrator may award the same individual remedies a court could award. Judgment on an award may be entered in any court with jurisdiction.
d. Exceptions
Either party may bring an eligible individual claim in small claims court. Either party may seek temporary or preliminary injunctive relief in court to prevent actual or threatened unauthorized access, misuse, infringement, or misappropriation while arbitration is pending. Claims that federal law expressly excludes from predispute arbitration are also excluded.
e. Class Action and Jury Trial Waiver
TO THE MAXIMUM EXTENT PERMITTED BY LAW, EACH PARTY MAY BRING CLAIMS ONLY IN ITS INDIVIDUAL CAPACITY, NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE-ATTORNEY-GENERAL, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT COMBINE CLAIMS OR PRESIDE OVER A REPRESENTATIVE PROCEEDING WITHOUT ALL PARTIES' WRITTEN CONSENT. FOR ANY DISPUTE PERMITTED TO PROCEED IN COURT, EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES A JURY TRIAL TO THE MAXIMUM EXTENT PERMITTED BY LAW.
f. Arbitration Opt-Out
You may opt out of Sections 15(c) and 15(e) by emailing hello@findash.ai with the subject "Arbitration Opt-Out" within 30 days after you first accept these Terms. Include your full name, account email, organization name if applicable, and a clear statement that you opt out. Opting out will not affect your access to the Services or any arbitration agreement you previously accepted.
g. Severability of Dispute Terms
If the class or representative action waiver is found unenforceable as to a particular claim or remedy, that claim or remedy will proceed in court after all arbitrable claims are resolved. Otherwise, an unenforceable portion of this Section 15 will be severed and the remainder enforced.
16. Force Majeure
Neither party is liable for delay or failure caused by events beyond its reasonable control, including natural disasters, acts of government, war, terrorism, civil unrest, labor disputes, epidemics, utility or internet failures, cyberattacks by third parties, provider failures, or shortages of labor or materials. This section does not excuse your obligation to pay amounts already due.
17. Severability and Waiver
Except as specifically provided in Section 15, if any provision is held invalid or unenforceable, it will be modified to the minimum extent necessary and the remaining provisions will remain effective. A waiver must be in writing and signed by the waiving party. A failure or delay in enforcing a right is not a waiver.
18. Assignment
You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms to an affiliate or in connection with a merger, financing, reorganization, sale of assets, or similar transaction. Any prohibited assignment is void.
19. Entire Agreement and Order of Precedence
These Terms, the Privacy Policy, applicable checkout terms, and any order form or other written agreement signed by FinDash are the entire agreement concerning the Services and supersede prior discussions on that subject. If documents conflict, a signed order form controls for that order, then any signed data processing agreement controls for its subject matter, then these Terms, then the Privacy Policy, unless a document expressly states a different order.
20. Electronic Communications and Notices
You agree that we may provide agreements, notices, disclosures, invoices, and other communications electronically, including by email, through the Services, or by posting them on our website. Electronic communications satisfy legal writing requirements to the extent permitted by law. You are responsible for keeping your account email current. Legal notices to FinDash must be sent to the contact in Section 22 and are effective when received.
21. Compliance Documentation
Authorized users and firms may request current security and compliance materials through our secure portal. Availability may depend on the document, confidentiality requirements, and verification of the requestor. Portal materials may include audit reports, policies, business continuity information, and vendor risk documentation.
FinDash Compliance Portal
22. Contact Us
Questions about these Terms, billing, cancellation, or compliance documentation may be sent to:
FinDash, Inc.
14 Penn Plaza, Suite 1800
New York, NY 10122
hello@findash.ai