Terms of Service

1. Acceptance of Terms

By accessing or using Refinal.ai ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service. These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

Refinal.ai is a financial analytics platform that aggregates transaction data from multiple payment processors and banks, providing comprehensive insights, metrics, and analytics for organizations. The Service includes data aggregation, AI-powered analytics, custom reporting, and related features.

3. Account Registration

To use certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your password and account
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

4. Subscription and Payment

4.1 Billing

Paid subscriptions are billed in advance on a monthly or annual basis. You authorize us to charge your payment method for all fees incurred.

4.2 Free Trial

We may offer a free trial period. At the end of the trial, your account will be automatically charged unless you cancel before the trial ends.

4.3 Refunds

Payments are non-refundable except as required by law or as explicitly stated in these Terms. You may cancel your subscription at any time, and cancellation will take effect at the end of the current billing period.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any laws
• Attempt to gain unauthorized access to the Service or related systems
• Interfere with or disrupt the Service or servers
• Transmit viruses, malware, or other malicious code
• Use automated means to access the Service without permission
• Reverse engineer, decompile, or disassemble the Service
• Share your account credentials with third parties
• Use the Service to process data you do not have rights to

6. Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to the collection and use of information as described in our Privacy Policy. You retain all rights to your data. We do not claim ownership of your financial data or content.

7. Third-Party Integrations

The Service integrates with third-party services (such as Stripe, Revolut, and banking providers). Your use of these integrations is subject to the terms and policies of those third parties. We are not responsible for the practices or content of third-party services.

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Refinal.ai and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our written permission.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. WE DO NOT PROVIDE FINANCIAL, TAX, OR LEGAL ADVICE. THE SERVICE IS FOR INFORMATIONAL PURPOSES ONLY.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, REFINAL.AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE SERVICE.

11. Indemnification

You agree to indemnify, defend, and hold harmless Refinal.ai and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising out of your use of the Service or violation of these Terms.

12. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately. You may terminate your account at any time by contacting us or through account settings.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting on the Service or sending you an email. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Refinal.ai operates, without regard to conflict of law principles.

15. Contact Us

If you have any questions about these Terms, please contact us at: