Terms of Service

These Terms cover two things: this website, and the FiopSI platform, meaning the workspaces, portals and related services we provide to our customers and the partners they invite.

If your organization has signed a separate written agreement with FiopSI, such as a master services agreement, an order form or a data processing agreement, that agreement controls where it conflicts with these Terms.

A lender's own terms for its borrowers are separate. If you are a borrower using a portal your lender provides, your lender's terms govern your relationship with that lender.

The site and the platform are for businesses and the adults who work with them. You must be at least 18 years old and able to form a binding contract to use them.

To use the platform you need an account within a customer workspace. You agree to provide accurate information when creating an account, to keep your credentials confidential, and to tell us promptly at hello@fiops.ai if you believe your account has been used without your permission.

Workspace administrators are responsible for who they invite and the roles they grant. Activity under your account is your responsibility.

You may use the site and the platform only for lawful purposes. You agree not to misuse them, interfere with their operation, probe or breach their security, or attempt to access them other than through the interfaces we provide.

You may not use the platform to store or transmit content that is unlawful, infringing or harmful; to send unsolicited messages; to collect information about people without a lawful basis; to copy, decompile or reverse engineer the software except where the law expressly allows it; or to build a competing product. You may not resell or provide the platform to third parties except as your agreement with FiopSI allows.

As between you and FiopSI, your organization owns the data it and its users submit to its workspace. You give FiopSI permission to host, copy, process and display that data as needed to provide, secure, support and improve the service, as described in our Privacy Policy and any data processing terms in your agreement.

You are responsible for having the rights and consents needed to put data into your workspace, including the notices you owe the people the data is about.

Each workspace is isolated to the customer it belongs to. We do not use one customer's identifiable data to serve another.

FiopSI may collect service data about how the platform is used and performs, and may create de-identified and aggregated data from the data in your workspace. FiopSI may use that data to operate, debug, secure and improve the service and to develop, evaluate and train the models that power its features, provided the data does not identify you, your organization or any individual. FiopSI owns service data and de-identified data and handles them as our Privacy Policy describes, including the commitment never to re-identify de-identified data.

Data obtained through Google Workspace APIs, and anything aggregated, anonymized or derived from it, is never used to develop, improve or train generalized or non-personalized AI or machine learning models.

Your organization may opt out of the use of its workspace data for model development and training by emailing hello@fiops.ai. The opt-out applies going forward and does not change the features your workspace can use.

You can choose to connect a personal account, such as a Google account, to the platform. When you do, you authorize FiopSI to access the data from that account that our Privacy Policy describes, only to provide the features you turn on. You can disconnect at any time in the app or at https://myaccount.google.com/permissions.

Your use of Google services remains subject to Google's own terms. Fiops' use and transfer to any other app of information received from Google APIs will adhere to the Google API Services User Data Policy, including the Limited Use requirements. You can read that policy at https://developers.google.com/terms/api-services-user-data-policy.

The platform includes features that use artificial intelligence to read documents, suggest where information belongs, draft messages and answer questions. AI output can be incomplete or wrong. You are responsible for reviewing it before you rely on it or send it, and a person approves every binding step.

As between you and FiopSI, the output AI features produce from your data belongs to your organization, subject to FiopSI' rights in the service. FiopSI does not allow its AI providers to train their models on your data.

FiopSI does not provide legal, tax, accounting, credit or investment advice, and the platform does not make lending decisions. Each lender is responsible for its own credit decisions and for meeting the laws that apply to its lending.

You agree that we may send you notices about the service electronically, by email or within the platform, and that those notices satisfy any requirement that they be in writing.

Documents you sign through the platform's electronic-signature feature are signed electronically. You agree that your electronic signature has the same effect as a handwritten one.

The platform can connect to third-party services, for example electronic-signature, messaging and data providers, at your direction. Your use of a third-party service is governed by that provider's own terms, and we are not responsible for third-party services we do not control.

Paid use of the platform is governed by the subscription or order form your organization agreed to, including its pricing, billing cycle and payment terms. Unless that agreement says otherwise, fees are non-refundable and exclude taxes, which your organization pays apart from taxes on FiopSI' income.

Each party agrees to protect the other's non-public information with at least the care it uses for its own, and to use it only as needed to perform under these Terms.

The content, branding, design and software of the site and the platform are owned by FiopSI or its licensors and are protected by intellectual property laws. Subject to these Terms and your organization's agreement, we grant you a limited, non-exclusive, non-transferable right to use the platform for your organization's internal business purposes. You may not otherwise copy, reproduce or distribute any of it without our permission.

We may use feedback you choose to give us without obligation to you.

If you submit information through the contact form on this site, you confirm that the information you provide is accurate and that you are authorized to share it.

We may use your submission to evaluate and respond to your request as described in our Privacy Policy.

We work to keep the platform available and secure, but we may change, suspend or discontinue features with reasonable notice where practical. Scheduled maintenance and factors outside our control can affect availability.

We may suspend access immediately if we reasonably believe it is needed to prevent harm to the platform, its users or others, and we will restore access as soon as the risk is resolved.

We may offer features marked as beta or preview. They are provided as is, may change or be withdrawn at any time, and are excluded from any service commitments in your organization's agreement.

Your organization's subscription term is set by its agreement with FiopSI. You may stop using the site at any time. We may suspend or terminate access for a material breach of these Terms that is not cured after notice.

Following termination, we will make workspace data available for export for a reasonable period before deletion, as described in your agreement.

Sections that by their nature should survive termination survive it, including Your data, Confidentiality, Intellectual property, No warranties, Limitation of liability, Indemnification, and Governing law and disputes.

The site and the platform are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement. We do not guarantee that they will be uninterrupted, secure or error-free.

To the fullest extent permitted by law, FiopSI will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising out of your use of the site or the platform. Our aggregate liability is limited to the greater of the amounts your organization paid to FiopSI in the twelve months before the claim and one hundred US dollars.

These limits do not apply where the law does not allow them, and they do not limit liability for fraud or willful misconduct.

You will defend and indemnify FiopSI against claims brought by third parties that arise from data you put into the platform without the rights to do so, or from your use of the site or the platform in breach of these Terms or the law. Your organization's agreement with FiopSI may provide additional indemnities in either direction.

You may not use the site or the platform in violation of US export control or sanctions laws, or if you are located in, or ordinarily resident in, a country or region subject to comprehensive US sanctions, or are named on a US government restricted-party list.

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

Before filing a claim, each party agrees to try to resolve the dispute informally by contacting the other and negotiating in good faith for 30 days. If that does not resolve it, the state and federal courts located in Delaware have exclusive jurisdiction, and each party consents to them. Either party may seek an injunction in any court to protect its intellectual property or confidential information.

These Terms, together with our Privacy Policy and any agreement your organization signs with FiopSI, are the entire agreement about their subject. If any part of these Terms is unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver of it.

You may not assign these Terms without our consent. We may assign them in a merger, acquisition or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. Nothing in these Terms creates a partnership, agency or employment relationship.

We may update these Terms from time to time. When we do, we will revise the "last updated" date above and, for material platform changes, give workspace administrators reasonable notice. Your continued use after changes take effect means you accept the revised Terms.

Questions about these Terms, or a notice under them? Email hello@fiops.ai and we will get back to you. Fiops, Inc. is the party to these Terms.