Terms of Service

These Terms of Service ("Terms") govern your access to and use of the products, services, and websites (the "Service") provided by ARFactor AI, Inc. ("ARFactor AI", "we", "us"). By creating an account, connecting an ERP or bank, or otherwise using the Service, you agree to be bound by these Terms. If you are entering into them on behalf of a company, you represent that you have authority to bind that company, in which case "you" refers to that company.

1. Eligibility & Accounts

You must be at least 18 years old and authorized to bind your organization to use the Service. When you create an account, you agree to provide accurate information, keep it updated, and maintain the security of your credentials. You are responsible for all activity that occurs under your account.

2. Permitted Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Reverse-engineer, decompile, or attempt to extract source code from the Service.
• Upload malicious code, attempt to disrupt the Service, or interfere with another customer's use.
• Use the Service to violate any applicable law, regulation, or third-party right.
• Resell, sublicense, or white-label the Service without our written permission.
• Use the Service to facilitate fraud, money laundering, or sanctions evasion.

3. Agent Authorization & Approval Gates

ARFactor AI's autonomous agents (Extractor, Analyst, Negotiator, Executor) operate within policy thresholds you configure in your tenant. By default, the Negotiator and Executor agents require human approval before initiating payments above the threshold you set. You are responsible for setting approval policies appropriate to your organization's risk tolerance.

We provide full audit trails for every agent decision and support immutable logs that can be exported to your SIEM. You retain all right, title, and interest in your underlying financial data; we retain all right, title, and interest in the Service and its underlying models, code, and documentation.

4. Subscriptions, Fees, and Billing

The Service is offered on a subscription basis. By choosing a paid plan, you agree to pay the recurring fees set forth on our Pricing page. Fees are billed in advance on a monthly or annual basis and are non-refundable except where required by law. We may change our pricing with at least 30 days' notice; existing subscriptions will continue at their current rate until the end of the then-current billing period.

5. Third-Party Integrations

The Service may integrate with third-party platforms (e.g., QuickBooks, NetSuite, Plaid). Your use of those platforms is governed by their own terms, and we are not responsible for the availability, accuracy, or content of any third-party service.

6. Confidentiality

Each party will protect the other's confidential information with the same degree of care it uses to protect its own (and no less than reasonable care), and will use such information only for purposes of performing under these Terms.

7. Security & Data Protection

We maintain a SOC 2 Type II control environment and will process personal data in accordance with our Privacy Policy and, where applicable, the Data Processing Addendum (DPA) attached to your Enterprise order form.

8. Termination

You may cancel your subscription at any time from your account settings. We may suspend or terminate your access if you breach these Terms, fail to pay fees when due, or create a security risk. Upon termination, we will make your data available for export for 30 days, after which we will delete it in accordance with our retention policy.

9. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT IT WILL ACHIEVE ANY SPECIFIC FINANCIAL OUTCOME. ARFactor AI is a tool; the decision to factor an invoice or capture a discount remains yours.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARFactor AI'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) US$100. IN NO EVENT WILL WE BE LIABLE FOR LOST PROFITS, LOST REVENUE, OR ANY INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES.

11. Indemnification

You agree to indemnify and hold ARFactor AI, its affiliates, and their respective officers, directors, and employees harmless from any claim arising out of your breach of these Terms or your use of the Service.

12. Governing Law & Disputes

These Terms are governed by the laws of the State of California, without regard to conflict-of-law rules. Any dispute arising from these Terms will be resolved exclusively in the state or federal courts located in San Francisco County, California, except where prohibited by law.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes via email and an in-product banner at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

14. Contact

ARFactor AI, Inc.
548 Market Street, Suite 32000
San Francisco, CA 94104
Email: legal@arfactor.ai

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