Terms of Use

Last updated: 4 February 2026

These Terms of Use (“Terms”) are a binding agreement between you and Finistack, Inc. (“Finistack,” “we,” “us,” or “our”). These Terms govern your access to and use of our websites, applications, products, and services (collectively, the “Services”).

By accessing or using the Services, you agree to these Terms and our Privacy Policy the (“Privacy Policy”). If you do not agree, do not use the Services.

1) Changes to These Terms

We’re always improving the Services and may update these Terms from time to time. If we make material changes, we’ll notify you by posting on finistack.com , emailing you, or via in‑product notices. If you continue using the Services after the updated Terms take effect, you accept the changes. If you do not agree, you must stop using the Services.K

No amendment or modification by you is valid unless in a signed writing by Finistack.

2) Eligibility and Your Privacy

Privacy. Your privacy is important to us. Please read our Privacy Policy to understand how we collect, use, and share information.
Age. The Services are not intended for individuals under [18]. We do not knowingly collect personal information from individuals under [18]. If you believe a minor has provided personal data, contact us at support@finistack.com and we will promptly delete it.
Compliance. You will use the Services only as permitted by applicable laws and regulations.

Finistack is not a bank or financial institution (as defined by applicable law), a consumer reporting agency, credit repair company, debt counselor, investment adviser or broker, or a furnisher of credit information. The Services and any information provided do not constitute financial, investment, insurance, accounting, legal, tax, or other professional advice. Always consult qualified professionals before making decisions.

3) Account Registration and Security

You may need an account to use some or all of the Services.

Accurate Information. You agree to provide accurate, current, and complete registration information, and keep it updated.
Credentials. Safeguard your username and password; you are responsible for all activities that occur under your account.
Non‑transferability. Do not sell, transfer, or assign your account without our prior written consent.

4) Permitted Use and Prohibited Conduct

You agree to use the Services only for your personal purposes (as allowed by your plan) and in compliance with applicable law. You will not (and will not permit others to):

Infringe intellectual property or other rights of any party.
Violate laws or regulations (including export controls, privacy, and data protection laws).
Access or collect data from the Services via scraping, crawling, or automated means unless expressly permitted by us.
Copy, store, or bulk download substantial portions of the Services or content except as expressly permitted.
Bypass, interfere with, or impair security, rate limits, access controls, or the normal operation of the Services.
Reverse engineer, decompile, disassemble, translate, or otherwise attempt to derive source code, models, model weights, datasets, or other underlying components of the Services.
Use the Services or any Outputs to train or enhance any AI or machine learning models, or to build competing products or services.
Upload malicious code, or run processes intended to overload or disrupt the Services.
Misrepresent identities or impersonate another person or entity.
Use automated scripts/macros to access the Services (except via our official APIs in accordance with separate terms).

We may suspend or terminate access for violations (see Section 13).

5) Content and Ownership

Your Content. “User Content” means content you submit, upload, or otherwise make available through the Services (e.g., data, text, images, configurations). You retain ownership of your User Content.
Our License to Operate the Services. You grant Finistack a worldwide, non‑exclusive, royalty‑free, sublicensable license to host, reproduce, process, adapt (for technical purposes), display, and transmit your User Content solely to provide and improve the Services.
Aggregated/De‑identified Data. We may create and use aggregated, de‑identified or anonymized data derived from the Services and your User Content to analyze and improve our Services and for other lawful business purposes. We will not disclose such data in a way that identifies you.
Content Responsibilities. You are responsible for your User Content, including ensuring you have all necessary rights and permissions to submit it and to grant the licenses above.
Service Content. The Services, including software, interfaces, workflows, templates, documentation, AI models and outputs, text, graphics, and other materials (collectively, “Finistack Content”) are owned by Finistack or its licensors and are protected by intellectual property laws. Except for rights expressly granted in writing by the appropriate representative, we reserve all rights.

6) AI‑Powered Features

Finistack may offer features powered by artificial intelligence (“AI Features”).

Probabilistic Outputs. AI is probabilistic and may produce inaccurate or incomplete information. You are responsible for verifying any output before relying on it.
No Professional Advice. AI outputs are not financial, legal, tax, investment, or other professional advice.
Use Restrictions. You will not prompt AI Features with deceptive inputs, attempt to extract underlying models or training data, or use outputs to train your own or third‑party AI/ML systems.
Output Rights. Subject to these Terms and applicable law, Finistack assigns to you any copyright we may have in non‑third‑party output generated at your direction using your inputs, solely for your personal purposes. You acknowledge outputs may be similar to content generated for others. Third‑party materials within outputs remain subject to the applicable third‑party rights.
Safety. Do not rely on AI outputs where errors could lead to financial loss, legal exposure, or physical harm without appropriate human review.

7) Third‑Party Services and Data Access

Some features rely on third‑party services (e.g., data aggregators, cloud providers, app store platforms, analytics, payments). When you connect a third‑party account or service:

You authorize Finistack and our service providers to access, retrieve, and use information from those third parties on your behalf to provide the Services.
Your use of third‑party services may be governed by those third parties’ terms and privacy policies. Finistack is not responsible for third‑party sites, services, or their practices.
You may revoke access at any time via the third‑party service or within the Services, but some features may stop working.

Examples: You may connect accounts via providers such as [Plaid/Finicity/TrueLayer/other]; by enabling these connections, you consent to their terms to the extent required.

8) Copyright Complaints (DMCA)

We respect intellectual property rights. If you believe content on the Services infringes your copyright, you may file a notice under the Digital Millennium Copyright Act (DMCA) by contacting our Copyright Agent at support@finistack.com with the information required by 17 U.S.C. §512(c)(3).

We may remove or disable access to allegedly infringing content and may terminate repeat infringers. Misrepresentations in a DMCA notice may subject you to liability.

9) Fees, Billing, and Trials

Subscriptions. Certain Services require a paid subscription (a “Paid Plan”). Fees, features, and limits are described here.
Billing. You authorize us (and our payment processors) to charge your payment method in advance at the billing interval you select (e.g., monthly/annual). Fees are non‑refundable except as required by law or expressly stated by Finistack.
Auto‑Renewal. Your subscription auto‑renews until canceled. You can cancel in your account settings; cancellation takes effect at the end of the current term.
Price Changes. We may change prices with notice; changes apply upon renewal. If you do not agree, cancel before the next renewal.
Trials & Promotions. Trials run for the stated period. Cancel before the trial ends to avoid charges. If charged in error, contact support@finistack.com.

10) Acceptable Use of Communications

You agree not to use the Services to send spam, harass, or transmit unlawful, harmful, or deceptive content. We may monitor limited aspects of Service use for abuse, security, and legal compliance, consistent with our Privacy Policy.

11) Referrals and Promotions

From time to time, we may offer referral programs or promotions. The details, eligibility criteria, limits, and rewards are described in the applicable offer terms. We may modify or discontinue offers at any time. If we suspect abuse or violation of the offer terms or spirit, we may withhold, cancel, or claw back rewards.

12) Disclaimers

You access the Services at your own risk.

The Services and all Finistack Content are provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non‑infringement, and accuracy or reliability.
We do not warrant that the Services will be uninterrupted, secure, or error‑free, or that defects will be corrected.
Any recommendations or information made available via the Services do not constitute professional advice, and you should not rely on them without independent verification.
Past performance does not guarantee future results.
Nothing in this disclaimer will:
- Limit or exclude our or your liability for death or personal injury;
- Limit or exclude our or your liability for fraud or fraudulent misrepresentation;
- Limit any of our or your liabilities in any way that is not permitted under applicable law; or
- Exclude any of our or your liabilities that may not be excluded under applicable law.

Some jurisdictions do not allow limitations on implied warranties; the above may not apply to you to the extent prohibited by law.

13) Termination and Suspension

You may stop using the Services at any time and/or cancel your Paid Plan per Section 9.

We may suspend or terminate your access (or any part of the Services) at any time, with or without notice, including for violation of these Terms, legal risk, security concerns, or discontinuation of features. Upon termination, your right to use the Services ceases. We may, but are not obligated to, provide a reasonable opportunity to export your User Content where feasible and lawful.

Sections intended to survive (including, without limitation, ownership, disclaimers, limitation of liability, indemnity, governing law, arbitration, and miscellaneous) will survive termination.

14) Limitation of Liability

To the maximum extent permitted by law, in no event will Finistack or its affiliates, officers, directors, employees, agents, licensors, or suppliers be liable for:

Indirect, incidental, special, consequential, exemplary, or punitive damages, or
Losses of profits, revenue, data, goodwill, or business interruption, even if advised of the possibility,

and in all cases our aggregate liability for all claims related to the Services will not exceed the greater of (i) US $100 or (ii) the amounts you paid to Finistack for the Services in the twelve (12) months preceding the event giving rise to liability.

Some jurisdictions do not allow certain limitations or exclusions; these limitations apply to the fullest extent permitted by law.

15) Indemnification

You agree to defend, indemnify, and hold harmless Finistack and its affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your User Content; (c) your violation of these Terms or applicable law; or (d) your infringement of any third‑party rights.

16) App Store Terms (Apple & Google)

If you access the Services via a mobile application obtained from the Apple App Store or Google Play:

License. We grant you a limited, non‑exclusive, non‑transferable, non‑sublicensable license to use the app solely on a device you own or control and as permitted by the applicable app store terms.
App Store Parties. Apple Inc. and Google LLC are not parties to these Terms and are not responsible for the app or its content. They have no obligation to furnish maintenance or support.
Warranty Claims. To the extent any warranty exists, Apple’s or Google’s sole obligation is to refund the purchase price (if any) for the app.
Third‑Party Beneficiaries. Apple and Google are third‑party beneficiaries of this section and may enforce it.
Compliance. You will comply with applicable third‑party terms of service, and represent you are not in a country subject to embargo or on a prohibited party list.

17) License:

Unless otherwise stated, Finistack and/or its licensors own the intellectual property rights for all material on Finistack. All intellectual property rights are reserved. You may access this from Finistack for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

Copy or republish material from Finistack
Sell, rent, or sub-license material from Finistack
Reproduce, duplicate or copy material from Finistack
Redistribute content from Finistack

This Agreement shall begin on the date hereof.

Parts of this website offer users an opportunity to post and exchange opinions and information in certain areas of the website or owned social media channels. Finistack does not filter, edit, publish or review Comments before their presence on the website. Comments do not reflect the views and opinions of Finistack , its agents, and/or affiliates. Comments reflect the views and opinions of the person who posts their views and opinions. To the extent permitted by applicable laws, Finistack shall not be liable for the Comments or any liability, damages, or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website or owned social media channels.

Finistack reserves the right to monitor all Comments and remove any Comments that can be considered inappropriate, offensive, or causes breach of these Terms and Conditions.

You warrant and represent that:

You are entitled to post the Comments on our website or social media channels and have all necessary licenses and consents to do so;
The Comments do not invade any intellectual property right, including without limitation copyright, patent, or trademark of any third party;
The Comments do not contain any defamatory, libelous, offensive, indecent, or otherwise unlawful material, which is an invasion of privacy.
The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.

You hereby grant Finistack a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats, or media.

18) Hyperlinking to our Content:

The following organizations may link to our Website without prior written approval:

Government agencies;
Search engines;
News organizations;
Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and
System-wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.

These organizations may link to our home page, to publications, or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party's site.

We may consider and approve other link requests from the following types of organizations:

Commonly-known consumer and/or business information sources;
Dot.com community sites;
Associations or other groups representing charities;
Online directory distributors;
Internet portals;
Accounting, law, and consulting firms; and
Educational institutions and trade associations.

We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of Finistack ; and (d) the link is in the context of general resource information.

These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement, or approval of the linking party and its products or services; and (c) fits within the context of the linking party's site.

If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail (support@finistack.com) to Finistack . Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.

Approved organizations may hyperlink to our Website as follows:

By use of our corporate name; or
By use of the uniform resource locator being linked to; or
Using any other description of our Website being linked to that makes sense within the context and format of content on the linking party's site.

18) Export and Sanctions Compliance

The Services may be subject to U.S. and other export control, sanctions, and technology laws. You agree to comply with all applicable export and re‑export restrictions and will not use, export, or re‑export the Services in violation of such laws, including to prohibited countries, entities, or end‑uses.

19) Governing Law; Dispute Resolution; Arbitration

Governing Law. These Terms are governed by the laws of State of Washington, without regard to conflict of law rules.
Arbitration. Any dispute arising out of or relating to these Terms or the Services will be resolved exclusively by binding arbitration before a single arbitrator under the JAMS/AAA rules, in Seattle, WA and in English. Judgment on the award may be entered in any court of competent jurisdiction.
Injunctive Relief. Either party may seek injunctive or equitable relief in any court of competent jurisdiction to protect its intellectual property or confidential information.
Class Action Waiver. YOU AND FINISTACK AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.
Opt‑Out. You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to support@finistack.com with your name, account email, and a statement that you opt out. If you opt out, you agree to the exclusive jurisdiction and venue of the state or federal courts located in State of Washington.

Consumer/Local Law Note: Some users may have non‑waivable rights under local laws. Where required by law, arbitration and/or class‑action waivers may not apply.

20) Assignment

You may not assign, transfer, or delegate these Terms, your rights or obligations, or your account without our prior written consent. We may assign or transfer these Terms without restriction.

21) Miscellaneous

Entire Agreement. These Terms and any referenced policies (e.g., Privacy Policy, acceptable use, pricing pages, feature‑specific terms) are the entire agreement between you and Finistack.
Severability. If any provision is held invalid or unenforceable, it will be limited or eliminated to the minimum extent necessary, and the remaining provisions remain in full force.
No Waiver. Failure to enforce any provision is not a waiver.
Force Majeure. We are not liable for delays or failures due to causes beyond our reasonable control (e.g., internet outages, natural disasters, labor disputes, government actions).
Notices. We may provide notices by posting to the Services, email, or your account. You may provide legal notices to support@finistack.com.
Relationship. You and Finistack are independent contractors; no partnership, joint venture, agency, or employment relationship is intended or created.
Headings. Headings are for convenience and do not affect interpretation.

22) Contact

For questions about these Terms or the Services, contact us at support@finistack.com.

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