Terms of Use

Effective April 6, 2026

  1. Introduction. Finparency wants to be your guide to matching small businesses with the right investors. For business owners, we want to learn about your passion, and organize that passion into an investment-ready business. For investors, we want to match you with qualified, "investment-grade" businesses who align with your investment criteria. The starting place for this relationship is our website, www.finparency.ai.
  2. The Agreement. These Terms of Use ("Terms") apply to your access and use of the services provided by Finparency Technologies, LLC ("Finparency," "Company," or "we").

These Terms include all of the terms and conditions that apply to your use of our cloud-based software application and related services (the "Services"), accessible through our website(s) ("Website" or "Site") at www.finparency.ai. By creating an account, or by accessing or using any part of the Services, you ("you" or the "User") acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not access or use the Services.

  1. Eligibility. The Site and Services are intended solely for use by individuals who: (a) are at least eighteen (18) years of age; (b) have the legal capacity and authority to enter into binding contracts under applicable law; and (c) are United States citizens, lawful permanent residents, or entities authorized to engage in business transactions in the United States under applicable federal and state law. By accessing or using the Site or Services, you represent and warrant that you satisfy all of the foregoing eligibility requirements at the time of registration and at all times during your use of the Services. If you do not meet these requirements, you are not authorized to access or use the Site or Services and must immediately discontinue any such use. The Company reserves the right to suspend or terminate your access to the Services at any time if it determines, in its sole discretion, that you do not satisfy these eligibility requirements.
  2. Account Registration. To access the Services, you will be required to create an account (a "User Account") by providing your name, email address, and password. You may also be asked for optional additional information, such as mobile phone number or mailing address. You agree to provide accurate, current, and complete information during registration and to update your information as needed. We reserve the right to suspend or terminate your account if we believe the information you provided is inaccurate, outdated, or incomplete.
  3. Not Investment Advice. We do not provide investment, financial, tax, or legal advice. Finparency is not a registered broker-dealer, investment adviser, investment company, or securities dealer, and is not licensed or registered with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority (FINRA), or any state securities regulator in any such capacity. Nothing on this Site constitutes a solicitation of an offer to buy or sell securities, or an act that would require registration as a broker-dealer or investment adviser under applicable federal or state law. Similarly, the Services do not constitute an offer to sell, a solicitation to buy, or a recommendation regarding any securities transaction. All information provided through the Site or our Services, including any investor matching features, is for informational purposes only and should not be construed as investment advice. Any opinions or suggestions provided through the Services are subject to change without notice and are independent of any other services we may provide. Investing involves risk, including potential loss of principal, and past performance is not indicative of future results. You are solely responsible for evaluating whether any investment, security, or strategy is appropriate for your situation. We strongly recommend consulting with qualified financial, tax, and legal professionals before making any investment decisions.
  4. Accredited Investor Status. To the extent that our Site or Services provide access to information that might influence or affect a User's investment decision, and to the extent that any User is accessing or using our Site or Services in the capacity of an investor (each, an "Investor User"), the following representations and warranties apply to such Investor User:
    1. Accredited Investor Representation. Each Investor User represents and warrants to the Company that, as of the date of account registration and at all times during which they access investment-related information or deal flow through the Services, such Investor User (or, if such Investor User is an entity, such entity acting through its duly authorized representative) qualifies as an "accredited investor" as defined in Rule 501(a) of Regulation D promulgated under the Securities Act of 1933, as amended (the "Securities Act"). Without limiting the foregoing, an Investor User represents and warrants that they meet at least one of the following criteria:
      1. an individual with a net worth, or joint net worth with a spouse or spousal equivalent, exceeding $1,000,000, excluding the value of their primary residence;
      2. an individual with income exceeding $200,000 in each of the two most recent calendar years, or joint income with a spouse or spousal equivalent exceeding $300,000 in each of those years, with a reasonable expectation of reaching the same income level in the current year;
      3. a bank, registered broker-dealer, insurance company, registered investment company, business development company, or small business investment company;
      4. an entity in which all of the equity owners are accredited investors; or
      5. any other person or entity qualifying as an accredited investor under Rule 501(a) of Regulation D as amended from time to time.
    2. Ongoing Obligation to Notify. Each Investor User agrees to promptly notify the Company in writing if, at any time during their use of the Services, they no longer qualify as an accredited investor. Upon receipt of such notice, or upon the Company's reasonable determination that an Investor User no longer qualifies, the Company reserves the right to immediately restrict or terminate that User's access to investment-related information.
    3. Verification. The Company reserves the right, in its sole discretion, to require Investor Users to provide documentation or other evidence reasonably necessary to verify their accredited investor status prior to, or at any time during, their access to investment-related information through the Services. Failure to provide satisfactory verification upon request may result in suspension or termination of access to such information.
    4. Acknowledgment of Regulatory Purpose. Each Investor User acknowledges that the accredited investor qualification requirements are imposed for regulatory compliance purposes, including to ensure that access to certain investment-related information is limited to persons with the financial sophistication and capacity to evaluate and bear the risks of investment, consistent with applicable federal and state securities laws.
    5. No Reliance on Company Verification. Each Investor User acknowledges and agrees that the Company is not obligated to independently verify accredited investor status and that the representations and warranties set forth in this Section are the sole basis on which the Company permits access to investment-related information. Each Investor User agrees to indemnify and hold harmless the Company and the Indemnified Parties (as defined in Section 25) from and against any claims, losses, or liabilities arising from any misrepresentation regarding their accredited investor status.
  1. Acceptable Use. You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to use the Services in any way that violates any applicable law or regulation.
  2. Prohibited Activities. You agree not to: (a) use the Services in any manner that could disable, overburden, damage, or impair our systems or interfere with any other user's access to the Services; or (b) attempt to gain unauthorized access to any portion of the Services, other users' accounts, or any systems or networks connected to the Services through hacking, password mining, or any other means. For additional restrictions on your activities, please also review Section 20(e) (Security Restrictions and Investigations) below.
  3. No Co-Branding or Framing. You may not co-brand or frame any portion of the Services without our prior written permission. "Co-branding" means displaying any name, logo, trademark, or other identifier in a manner that suggests an affiliation with or endorsement by us. "Framing" means displaying any of our web pages within another website. If you engage in unauthorized co-branding or framing, you must cease immediately upon our request.
  4. Billing, Payment, and Cancellation.
    1. Subscription Services. To access the Services, you must create an account and select the desired Services. When creating an account, you will need to provide your name, email address, password, and payment information for the selected Service level. If you are signing up on behalf of an organization, you may designate multiple authorized users. Each authorized user can access and manage the account. You are responsible for all activity under your account and must notify us immediately if you need to remove an authorized user's access. You may not share your account credentials or use another person's account without our written permission.
    2. Billing and Payment.
      1. Service Fees. During the registration process, you will be provided with a description of the Services, together with any applicable subscription fees, single item charges, or any other fees for the Services. You also will be provided with a description of the respective payment terms (i.e., one-time payment, monthly subscription, annual subscription, etc.).. After creating your account, you also may be eligible to upgrade or change your Service selections. All applicable fees will be prominently displayed on our Site before you select any Service. Upon selecting your desired Services, all fees will be payable in advance. If you select a monthly or annual subscription, the Services will automatically renew for the same term you selected unless you cancel the Services (see "Cancellation" below). All fees are payable in U.S. dollars.
      2. Third-Party Payment Processing. We use a third-party payment processor to handle subscription payments and other fees. When you sign up, we will provide you with a link to our payment processor. All payment processing is subject to the processor's terms, conditions, and privacy policies. We are not responsible for the security or performance of the payment processor. You are responsible for keeping your payment information current.
      3. Cancellation. To cancel your Services, you may log into your User Account and select the "Cancel Services" option. This will notify us that you desire to cancel the Services. You may also cancel your Services by emailing us at [INSERT EMAIL ADDRESS] at least ten (10) days before your next renewal date.
      4. Monthly Subscriptions. If you cancel at least ten (10) days in advance, your subscription ends on the last day of that month. If you provide less than ten (10) days' notice, you will be billed for one additional month.
      5. Annual Subscriptions. If you cancel during your initial 12-month term, you remain obligated to pay the full annual fee and your subscription will end on the last day of the term. No refund will be provided for early cancellation during the initial term. If you cancel after your subscription has automatically renewed, your cancellation becomes effective on the last day of the month in which you cancel, and we will refund you a prorated amount for the unused portion of your subscription within sixty (60) days. For example, if your annual subscription is renewed on August 1 and you cancel on August 15, we will retain one month's worth of fees (1/12 of the annual fee) and refund the remaining eleven months (11/12 of the annual fee).
      6. Termination by Us. We may terminate your subscription for cause, including material violation of these Terms, non-payment, fraudulent activity, or illegal use of the Services, upon notice to you (which notice will include an email to the email address you provided). If we terminate your account for cause, you will forfeit all fees paid and remain liable for any outstanding amounts owed. We may also terminate your subscription without cause upon thirty (30) days' prior written notice, in which case we will provide a pro-rata refund for any prepaid fees for the unused portion of your subscription term.
  5. Consent to Communication.
    1. Email, SMS/Text Messaging, and Online Message Center. When you enroll in our Services, you must designate a valid, primary email address and may optionally provide a mobile phone number for receiving electronic communications, including SMS/text messages. By providing your mobile phone number, you expressly consent to receive text messages from the Company related to your User Account, our Services, and any notices pursuant to these Terms. You acknowledge that standard messaging and data rates may apply to any text messages you receive from or send to the Company, and such charges are your sole responsibility. You may opt out of receiving text messages at any time by following the opt-out instructions provided in any text message or by contacting us at [INSERT EMAIL ADDRESS]. To the extent the Company maintains an online message center now or in the future, such exchange of communications shall be considered an electronic communication and may be utilized by the Company for providing you notices pursuant to these Terms, as permitted by Applicable Law, or generally regarding your User Account(s). The Company will never send you email requesting confidential information such as your User ID, password, credit card, or bank account information, and you should NEVER respond to any email requesting such information. If you receive such an email purportedly from Company requesting your personal or confidential information, do not respond to the email and notify COMPANY by forwarding the email to [INSERT EMAIL ADDRESS].
    2. Usage of Electronic Communication. By your enrollment in our Services, you agree to receive these Terms and any disclosures or notices required by applicable law and all other communications electronically to the email address you designate in your User Account and, if you have provided a mobile phone number and consented to text messaging, via SMS/text messages to your designated mobile phone number. You have the right to withdraw your consent to receive electronic communications at any time by contacting us at [INSERT EMAIL ADDRESS], though withdrawal of consent to receive communication via email may result in you not being able to access the Services. You also agree the Company may respond to your email address for any communication you send electronically, regardless of whether your original communication with the Company was via electronic communication. Any electronic communication the Company sends to you will be considered received within one (1) calendar day after the date such communication is sent by computer servers utilized by the Company to the email address you designate in your User Account, sent via text message to your designated mobile phone number (if applicable), or posted to the Company's online message center (if applicable). For text messages, delivery will be deemed complete when the message is transmitted to your mobile carrier, regardless of whether you actually receive or read the message.
  6. Use of Communication Services. Company's Website may contain forums, bulletin board services, discussion or chat areas, message boards, news feeds, news groups, communities, personal web pages, calendars, and/or other message or communication facilities designed to allow you to communicate with our community or with a group (collectively, "Communications Services"). You agree to use the Communication Services only to post, send, and receive messages and content that are considered proper and related to the particular Communication Service. Among other actions, when using a Communication Service, you agree that you will not post, send, submit, publish, or transmit in connection with this Site, or cause to be posted, sent, submitted, published or transmitted, any material that:
    1. you do not have the right to post, including without limitation any proprietary material of any third party protected by intellectual property laws (or by rights of privacy or publicity);
    2. advocates or could reasonably serve to encourage, either directly or indirectly, any illegal or immoral activity, or discusses an intent to commit an illegal act or violate any law, rule, or regulation;
    3. is vulgar, obscene, pornographic, incendiary, or indecent;
    4. threatens or abuses others;
    5. is libelous or defamatory towards others;
    6. is racist, abusive, harassing, threatening or offensive;
    7. seeks to exploit or harm children by exposing them to inappropriate content, or asking for personally identifiable details or information;
    8. harvests or otherwise collects information about others, including e-mail addresses, financial information or other personally identifying information, without their prior express consent in each instance;
    9. impersonates or misrepresents your connection to any other entity or person or otherwise manipulates or forges headers or identifiers to disguise the origin of content;
    10. falsifies or deletes any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is permissibly uploaded (e.g., copyright, trademark or patent notices);
    11. advertises any commercial endeavor (e.g., offering for sale products or services) or otherwise engages in any commercial activity (e.g., conducting raffles or contests, displaying sponsorship banners, and/or soliciting goods or services) except as may be specifically authorized on this Site;
    12. solicits funds, advertisers or sponsors for any purpose;
    13. includes programs that contain viruses, worms and/or Trojan horses or any other computer code, files, or programs designed to interrupt, destroy, or limit the functionality of any computer software or hardware or telecommunications device;
    14. disrupts the normal flow of dialogue, causes a screen to scroll faster than other users are able to type, or otherwise acts in a way which affects the ability of other people to engage in real-time activities via this Site;
    15. amounts to a pyramid scheme or other similar scheme, including without limitation contests, lotteries, chain letters, and surveys;
    16. disobeys any policy or regulations including any code of conduct or other guidelines established from time to time regarding the use of this Site and/or any networks connected to this Site; or
    17. contains hyperlinks to other sites that contain content that falls within the scope of this Section.

You acknowledge that any materials uploaded to the Communication Service may be subject to posted limits on use, reproduction, and/or dissemination, and you are responsible for abiding by such limitations with respect to your submissions, including any downloaded materials. Notwithstanding these rights, you remain solely responsible for the content of your submissions. You acknowledge and agree that neither Company nor any third party that provides Content to Company will assume or have any liability for any action made by Company or such third party with respect to any submission.

You acknowledge that the Website may or may not pre-screen materials uploaded to the Communication Service, yet the Website and its designees shall have the right, but not the obligation, in its sole discretion, to pre-screen, refuse, remove, or delete any Content that violates this Agreement or is otherwise objectionable as determined by the Website in its sole discretion.

The Website reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Communication Services (or any part thereof) with or without notice. You agree that the Website will not be liable to you or any third party for any modification, suspension, or discontinuance of the Communication Services.

While the Website explicitly prohibits the above conduct, you acknowledge and agree that you may be exposed to such conduct and content, and that your use of the Website is at your own risk. The Website shall have no liability for such conduct except to the extent required by applicable law.

You understand and agree that if your use of communication services violates any of the above codes of conduct, the website may suspend or terminate your use of the website immediately without prior notice and without any right of refunds, set-off, or hearing.

  1. Personally Identifiable Information. Company cautions you against giving out any personally identifying information about yourself or your children in any Communication Service. In an effort to preserve your privacy, Company agrees that it will treat any personally identifying information that you submit through this Site in accordance with the terms outlined in its Privacy Policy at [INSERT ACTUAL URL], as well as in conformance with all applicable laws, rules, and regulations.
  2. Data Ownership.
    1. User Data. All original information, data, or content you submit to our Site as a User ("User Content") shall remain your property, and you shall retain ownership over such information, data, or content. However, upon submitting User Content to our Site, you grant the Company an irrevocable, worldwide, royalty-free license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform, and display such User Content for any purpose related to the operation, improvement, and marketing of the Site or our Services. This license survives any termination or expiration of your account or these Terms. Notwithstanding the foregoing, if you upload financial statements, profit and loss statements, tax returns, confidential information memoranda, securities records, corporate records, or other financial or corporate documentation as part of your use of the Services ("Sensitive Financial Content"), the Company will treat such Sensitive Financial Content as confidential and will not disclose or share your specific Sensitive Financial Content with any third party without your consent. The Company's confidentiality obligations with respect to Sensitive Financial Content do not apply to: (i) information that is or becomes publicly available through no fault of the Company; (ii) disclosures required by applicable law, regulation, legal process, or governmental request (subject to Section 23); or (iii) aggregated, anonymized data derived from Sensitive Financial Content that does not identify you or your business. Subject to the foregoing, you agree that the Company will not otherwise be required to treat other User Content (excluding Sensitive Financial Content) as confidential and may use such other User Content in its business (including without limitation, for products, services, marketing, or advertising) without incurring any liability for royalties or any other consideration of any kind, provided that the Company will not use your User Content in a manner that personally identifies you without your separate consent.
    2. Company Data. The Company retains exclusive ownership of all data generated by, derived from, collected through, or compiled within the Services, including without limitation, aggregated, anonymized, and compiled datasets, platform usage and behavioral data, matchmaking and interaction data, platform-generated scores, ratings, or assessments, and any other data produced by or through the operation of the Services. The Company reserves the right to utilize all data related to the Services for its own purposes including, but not limited to, analytics, product development, benchmarking, and commercial endeavors.
  3. Proprietary Information. All content found on the Company Websites (the "Content") is considered the copyrighted and trademarked intellectual property of the Company, or of the party that created and/or licensed the Content to the Company. No rights or title to any of the Content contained on any Company Website shall be considered transferred or assigned to the User at any time. Subject to all applicable laws, you agree that you will not copy, distribute, republish, modify, create derivative works of, or otherwise use the Content in any unauthorized way, without the prior written consent of Company in each instance, except that you may print out and/or save one copy of the Content for your personal use only.
  4. Confidentiality. As a User, you agree to treat as confidential any non-public information received about other Users through the Services. This obligation shall continue for a period of three (3) years following disclosure of such information, and shall survive any termination or expiration of your account or these Terms. This information shall be used solely for the purpose of evaluating a potential transaction through the Services. You must not disclose such information to third parties without obtaining prior written consent from the User who provided the information. Violation of this confidentiality obligation may result in immediate suspension or termination of access to the Services, and may subject you to legal action.
  5. Permitted and Prohibited Commercial Use. The Company's Site is intended to facilitate the commercial matching of businesses and investors through the Services. While use of the Services for such purposes is expressly permitted, your use of our Site is otherwise limited to the purposes contemplated by these Terms. Except as expressly authorized through the Services, you may not use any Company Website to advertise, promote, or solicit the sale of your own products, services, or securities, to conduct raffles or contests, to display third-party sponsorship banners, or to solicit advertisers, promoters, or sponsors for any purpose unrelated to the Services. Any commercial activity conducted through the Services must be in accordance with these Terms and any additional guidelines established by the Company. You may not modify, copy, distribute, display, send, perform, reproduce, publish, license, create derivative works of, transfer, sell, or otherwise infringe upon any intellectual property rights related to any information, content, software, products, or services obtained from or otherwise connected to the Company's Websites, in whole or in part, without the prior express written permission of an authorized representative of the Company.
  6. Non-Circumvention. Users who initiate contact with another user through our Site agree not to circumvent our platform or Services by completing any related transaction directly with such user for a period of twenty-four (24) months without the Company's prior written consent. A "related transaction" is broadly defined to include any agreement, contract, investment, sale, or other business arrangement that arises from, or is connected to, the initial contact made through our Site or our Services. Any attempt to bypass the Company in this manner without prior consent and the payment of applicable fees constitutes a violation of these Terms and shall entitle the Company to recover from the violating User any applicable fees or other compensation that would have been payable to the Company had the transaction been completed through the Services (based on the User's separate written service agreement or, in the absence of a separate written service agreement, based on the fee schedule posted on the Site and in effect on the closing date of such transaction, in addition to any other remedies available at law or in equity.
  7. Hyperlinking. This Site may be hyperlinked to and by other websites which are not maintained by, or related to, Company. Hyperlinks to such sites are provided as a service to Users and are not sponsored by, endorsed or otherwise affiliated with this Site or Company. The Company has not reviewed any or all of such sites and is not responsible for the content of any linking sites, and any links made directly from a Company Website to another web page should be accessed at the User's own risk. The Company makes no representations or warranties about the content, completeness, quality or accuracy of any such website, and as such, shall not be liable in connection with any loss, damage, cost or injury associated with any access thereto via this Site.
  8. Security
    1. Account Security. We use industry-standard encryption (SSL) to protect your account information during transmission. However, you are responsible for keeping your login credentials confidential and secure. Do not share your password or attempt to bypass our security measures. You must notify us immediately at [INSERT EMAIL ADDRESS] if you become aware of any unauthorized use of your account or security breach. You are responsible for all activity that occurs under your account. While we implement reasonable security measures, we cannot guarantee that data transmitted over the Internet is completely secure or free from interception, delay, or error.
    2. Accurate Information. When creating and using your account, you agree to: (i) provide accurate, current, and complete information during registration and billing ("Account Information"); and (ii) promptly update your Account Information to keep it accurate and current. If you provide inaccurate or incomplete information, or if we have reasonable grounds to believe your Account Information is inaccurate or incomplete, we may suspend or terminate your account.
    3. Reliance by the Company. You authorize the Company to rely on your User ID and password to identify you when you use the Services, and as signature authorization for any payment made using the Services. You acknowledge and agree that you are responsible for all payments for the Services you selected and for paying all late charges or penalties. You also acknowledge and agree that if you permit another person or persons to use the Services or give them your User ID and/or password, you are responsible for any payment that such person incurs while using your User Account, even if the person exceeds your authorization or is not an authorized user.
    4. Security Measures. The Company is committed to protecting the security and confidentiality of information about you and your User Account. The Company uses, and may in the future use, several different security methods to protect your User Account information, including:
      1. You can only access the Services with certain browsers that have high security standards.
      2. The Site or the Services will automatically log off if prolonged periods of inactivity occur.
      3. Your session may terminate if you navigate away from the Site or the Services to another website.
      4. We may occasionally require you to change your password upon reasonable notice.
    5. Security Restrictions and Investigations. When accessing our Site or using the Services, you may not take any action or use any software or tools that might compromise security or tamper with system resources or accounts. The use or distribution of tools designed for compromising security (such as password crackers, rootkits, Trojan horses, network probing tools, scraping tools, etc.) is prohibited. If you become involved in any violation of system security, we reserve the right to release your Account Information to the system administrators of other services or to law enforcement authorities to assist in resolving security incidents. We reserve the right to investigate suspected violations of these Terms. We also reserve the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity of anyone posting any email messages, or publishing or otherwise making available any materials that are believed to violate these Terms. By accepting these Terms, to the maximum extent permitted by law you waive and release any claims against us resulting from any action we take during or as a result of our investigations or from any actions taken by law enforcement authorities, except for claims arising from our gross negligence or willful misconduct.
    6. Data Breach Notification. The Company acknowledges its obligations under applicable federal and state data breach notification laws, including without limitation the laws of the State of Georgia and any other applicable jurisdiction in which Users may reside. In the event of a security breach that results in the unauthorized access, acquisition, or disclosure of a User's personal information or financial information, the Company will notify affected Users in accordance with applicable law. Such notification will be provided via email to the address associated with your User Account, or by such other means as required or permitted by applicable law, within the timeframes prescribed by applicable law following the Company's discovery and confirmation of the breach. The notification will include, to the extent permitted by law and practicable: (i) a description of the nature of the breach; (ii) the categories of personal or financial information reasonably believed to have been involved; (iii) the steps the Company has taken or is taking to address and remediate the breach; and (iv) recommended steps you may take to protect yourself from potential harm. Notwithstanding the foregoing, notification may be delayed to the extent required by law enforcement authorities or applicable law in connection with an ongoing investigation. Nothing in this Section limits any rights you may have under applicable state or federal law.
  9. Updates and Revisions. We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our Website and updating the "Last Updated" date. Your continued use of the Services after such changes constitutes your acceptance of the modified Terms. The most current version of these Terms, which supersedes all previous versions, can be reviewed at www.finparency.ai/terms (or other applicable URL). We encourage you to review these Terms periodically.
  10. Right to Terminate Access. The Company reserves the right to monitor use of this Site to determine compliance with these Terms, as well as the right to edit, refuse to post, or remove any information or materials, in whole or in part, at its sole discretion. The Company reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.
  11. Disclosure Under Law. The Company reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process, or governmental request.
  12. Disclaimers and Limitations on Liability We cannot guarantee that files available for download through our Service will be free of viruses or other harmful code. You are responsible for implementing appropriate security measures to protect your devices and data, and for maintaining backups of your information. We do not guarantee that content available through our Service is complete or current.

Your use of our Services is at your own risk. The Services and all Content are provided "as is" without warranties of any kind, either express or implied. We disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, or non-infringement. We do not warrant that the Services will be uninterrupted or error-free, that defects will be corrected, or that our Service or servers are free of viruses or other harmful components. We do not warrant or make any representation regarding the use or results of use of the Service in terms of accuracy, reliability, or otherwise. You acknowledge that the Services may include technical inaccuracies or errors, and we may make changes or improvements at any time. You assume the entire cost of all necessary repair or correction in the event of any loss or damage arising from your use of the Service. We make no warranties that your use of the Service will not infringe the rights of others and assume no liability or responsibility for errors or omissions in the content.

To the maximum extent permitted by law, we and our subsidiaries, affiliates, licensors, service providers, employees, agents, officers, and directors will not be liable for any incidental, direct, indirect, punitive, actual, consequential, special, exemplary, or other damages, including loss of revenue or income, pain and suffering, emotional distress, or similar damages, even if we have been advised of the possibility of such damages or such damages were reasonably foreseeable.

To the maximum extent permitted by law, our total liability to you, and the collective liability of our subsidiaries, affiliates, licensors, service providers, employees, agents, officers, and directors, regardless of the form of action (whether in contract, tort, or otherwise), will not exceed the greater of $500 or the amount you paid to us in the twelve (12) months preceding the event giving rise to the liability. You must bring any claim within one (1) year from the date the cause of action accrues, or the claim will be permanently barred.

  1. Indemnity. You agree to indemnify, defend, and hold us, our subsidiaries, affiliates, licensors, service providers, employees, agents, officers, directors, and contractors (collectively, the "Indemnified Parties") harmless from any breach of these Terms by you, including any use of the Services other than as expressly authorized in these Terms. You agree that the Indemnified Parties will have no liability in connection with any such breach or unauthorized use, and you agree to indemnify against any and all resulting losses, damages, judgments, awards, costs, expenses, and reasonable attorneys' fees of the Indemnified Parties in connection therewith. You will also indemnify, defend, and hold the Indemnified Parties harmless from and against any claims brought by third parties arising out of your use of the Service.
  2. Trademarks and Copyrights. Trademarks, service marks, logos, trade names, and copyrighted works (collectively, "Intellectual Property") appearing on our Website or on our Services are the property of the Company or the party that provided the Intellectual Property to us. We and any party that provides Intellectual Property to us retain all rights with respect to any of their respective Intellectual Property appearing in the Service, and no rights are transferred to you or any other third party. All contents of our Site and our Services are: © 2026 Finparency Technologies, LLC. All rights reserved.
  3. Copyright Infringement. If you believe that your work has been copied in a way that constitutes copyright infringement, please provide our copyright agent the written information specified below. Please note that this procedure is exclusively for notifying Company and its affiliates that your copyrighted material has been infringed. Please include the following:
  1. An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright interest;
  2. A description of the copyrighted work that you claim has been infringed upon;
  3. A description of where the material that you claim is infringing is located in the Service, including the specific URL or location;
  4. Your address, telephone number, and e-mail address;
  5. A statement by you that you have a good faith belief that the disputed use is unauthorized by the copyright owner, its agent, and/or the law;
  6. A statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf.

Our Copyright Agent for notice of claims of copyright infringement can be reached as follows:

Copyright Agent

Finparency Technologies, LLC

Attn: Copyright Agent,

993 Coronado Drive, NW, Atlanta, Georgia 30327

phone: [INSERT PHONE NUMBER]

email: [INSERT EMAIL ADDRESS]

  1. Disputes; Mandatory Arbitration; Class Action Waiver.
  1. Governing Law. These Terms and any dispute arising out of or relating to these Terms or the Services will be governed by the laws of the State of Georgia, without regard to its conflict of law principles.
  2. Mandatory Arbitration. PLEASE READ THIS SECTION CAREFULLY - IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT. Except as provided in Section 28(d) below, you and the Company agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Services, including the breach, termination, enforcement, interpretation, or validity thereof (each, a "Dispute"), exclusively through final and binding arbitration. Such arbitration shall be administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules then in effect, which are incorporated herein by reference and available at www.adr.org. The arbitration shall be conducted before a single, neutral arbitrator selected in accordance with the AAA Rules. Unless the parties agree otherwise, the arbitration shall be conducted in Fulton County, Georgia, or, at your election, by telephone or videoconference. The arbitrator shall have authority to award any remedy or relief that a court of competent jurisdiction could award, except that the arbitrator may not issue declaratory or injunctive relief benefiting any party other than the parties to the arbitration. The arbitrator's decision and award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act, 9 U.S.C. 1 et seq., governs the interpretation and enforcement of this arbitration provision.
  3. Class Action Waiver. YOU AND THE COMPANY 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, COLLECTIVE, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding. If this class action waiver is found by a court of competent jurisdiction to be invalid or unenforceable with respect to a particular claim or dispute, then the Mandatory Arbitration provision in Section 28(b) shall be null and void solely with respect to that claim or dispute, and such claim or dispute shall be resolved by a court of competent jurisdiction in accordance with Section 28(d).
  4. Exceptions. Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to protect its intellectual property rights or confidential information pending resolution of the underlying dispute through arbitration. Either party may also bring an individual action in small claims court for Disputes that fall within the jurisdictional limits of such court, provided that the action remains in small claims court and is not removed or appealed to a court of general jurisdiction. For any such court action, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Fulton County, Georgia.
  5. Arbitration Opt-Out. You may opt out of the Mandatory Arbitration provision and the Class Action Waiver by notifying the Company in writing within thirty (30) days of the date you first accept these Terms. Your opt-out notice must be sent to Finparency Technologies, LLC, Attention: Legal, at 993 Coronado Drive, NW, Atlanta, Georgia 30327 and must include your full name, the email address associated with your account, and a clear, unambiguous statement that you are opting out of arbitration. If you timely opt out, all Disputes will be resolved exclusively in the state or federal courts located in Fulton County, Georgia, and both parties consent to personal jurisdiction and venue in such courts. Opting out of arbitration will not affect any other provision of these Terms.

  1. Force Majeure. Neither party shall be liable to the other for any delay or failure to perform its obligations under these Terms to the extent such delay or failure is caused directly or indirectly by circumstances beyond that party's reasonable control, including without limitation acts of God, natural disasters, earthquakes, floods, fires, hurricanes, tornadoes, storms, epidemics, pandemics, quarantine restrictions, acts of war, terrorism, riot, civil disturbance or unrest, sabotage, governmental actions or regulations, embargoes, national or regional emergencies, labor disputes, strikes or lockouts, power outages, failure of the Internet or telecommunications infrastructure, cyberattacks, or other similar events beyond a party's reasonable control (each, a "Force Majeure Event"). The party affected by a Force Majeure Event shall: (a) promptly notify the other party in writing of the nature, expected duration, and anticipated impact of such event; and (b) use commercially reasonable efforts to mitigate the effects of, and resume performance of its obligations as soon as reasonably practicable following, such Force Majeure Event. If a Force Majeure Event continues for a period exceeding thirty (30) consecutive days, either party may terminate the affected Services upon written notice to the other party, without further liability to either party, except that the User shall remain liable for all fees and amounts that accrued prior to the commencement of the Force Majeure Event. For the avoidance of doubt, a Force Majeure Event shall not excuse any payment obligation that accrued before the occurrence of such event, nor shall financial hardship or changes in market conditions constitute a Force Majeure Event.
  2. Miscellaneous.
    1. If any part of these Terms is found by a court of competent jurisdiction to be unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions.
    2. You agree that no joint venture, partnership, employment, franchise, or agency relationship exists between you and us as a result of these Terms or your use of the Service, and neither party has authority to bind the other.
    3. These Terms constitute the entire agreement between you and us relating to your use of the Service, and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written. You may also be subject to additional terms and conditions, posted policies (including our Privacy Policy), guidelines, or rules that may apply when you use the Service. We may revise these Terms at any time by updating them in the Service. You should review these Terms periodically to determine if any changes have been made.
    4. Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of that right or provision. Any waiver of these Terms must be in writing and signed by an authorized representative.
    5. The section titles in these Terms are for convenience only and have no legal or contractual effect.
    6. Please report any violations of these Terms to us at [INSERT EMAIL ADDRESS]. If you have any questions regarding these Terms, please contact us at [INSERT EMAIL ADDRESS].
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