Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of the websites, software, APIs, and services provided by DXDT Labs Incorporated (“Finterm”, “we”, “us”, or “our”), including the Finterm CLI, web app, APIs, Dataroom features, documentation, and related services (collectively, the “Service”).

By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Who We Are and How to Contact Us

DXDT Labs Incorporated is a Delaware corporation based in San Francisco, California.

Contact:
help@finterm.ai
San Francisco, California

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction if higher, to use the Service. By using the Service, you represent that you meet this requirement.

The Service is not directed to anyone under 18, and we do not knowingly permit anyone under 18 to use it or create an account.

3. The Service

The Service provides tools that help users and agents retrieve, organize, and analyze financial, market, filing, and web information. The Service may include:

• A downloadable CLI tool, distributed via npm as @finterm-ai/cli,
• Authenticated API access with usage limits and rate limits,
• Dataroom package generation, sync, download, and local reading features,
• Account, billing, and API-key management through the web app,
• Free previews, trials, and paid subscription tiers, if offered,
• Documentation, examples, runbooks, and demo scenarios, and
• Agent integrations that allow compatible AI environments to invoke Finterm on your behalf.

CLI Installation and Agent Integrations

The Finterm CLI may be installed through npm or another supported distribution channel. The CLI can register itself as a tool or skill in compatible AI coding environments, enabling AI assistants to invoke Finterm tools on your behalf.

When you install an integration:

• The CLI creates configuration files in the appropriate integration directory.
• These files describe available Finterm tools and how to invoke them.
• You can uninstall the integration using the supported Finterm uninstall command or by manually removing the configuration files.

By installing the CLI and enabling an integration, you authorize the AI environment to invoke Finterm according to these Terms.

Demo Scenarios

The Service may include demo scenarios that guide you through example use cases. Demo API calls count against your usage limits unless otherwise stated. Demo scenarios are for illustrative purposes and do not constitute investment advice.

No Investment, Tax, Accounting, or Legal Advice

Finterm is not a broker-dealer, investment adviser, financial institution, tax adviser, accounting adviser, or law firm. The Service is provided for informational and research purposes only. We do not provide investment, tax, accounting, or legal advice. You are solely responsible for any decisions or actions you take based on information from the Service.

4. Accounts and Security

To use parts of the Service, you may need to create an account.

You agree to:

• Provide accurate information and keep it up to date,
• Maintain the confidentiality of your credentials and API keys,
• Promptly notify us of unauthorized access,
• Accept responsibility for activity under your account, and
• Use reasonable security practices when storing or transmitting API keys and generated artifacts.

We may suspend or terminate accounts to protect the Service, enforce these Terms, prevent abuse, or comply with law.

5. Subscriptions, Billing, Usage Limits, and Taxes

Some features require payment (“Paid Plans”). Paid Plans may be offered as monthly or annual subscriptions and may include usage limits.

Payment Processing

Payments are processed by third-party payment processors such as Stripe. By purchasing a Paid Plan, you agree to the payment processor’s terms and authorize us and our payment processor to charge your payment method for recurring fees, taxes, and other charges disclosed at checkout.

Renewals and Cancellation

Unless you cancel, subscriptions automatically renew for the same subscription term. You can cancel renewal at any time through your account dashboard, which manages subscriptions through our payment processor, Stripe. Cancellation stops future renewals; you typically keep access through the end of the current billing period.

Fees, Changes, and Refunds

• Fees are non-refundable except where required by law or as expressly stated by Finterm in writing.
• We may change prices or plan features from time to time. If we make a material change to your Paid Plan pricing, we will provide notice before the change takes effect.
• We will not charge overage fees without prior notice and your consent.

Taxes

You are responsible for taxes applicable to your purchase, except where Finterm is required to collect taxes.

Usage Limits and Rate Limiting

Different subscription tiers may include different usage limits, such as API calls, package runs, Dataroom storage, downloads, or seats. Current limits for each tier are displayed on our website, checkout page, or account dashboard.

• Approaching limits: We may notify you when you approach usage limits, but we are not obligated to do so.
• Exceeding limits: If you exceed plan limits, the Service may reject additional requests until the next billing period or until you upgrade.
• Rate limiting: To protect the Service, we may impose request-rate limits. If you exceed rate limits, requests may be temporarily rejected with an error message.
• No rollover: Unused quota does not roll over unless explicitly stated for your plan.

6. License to Use the Service

Subject to these Terms, Finterm grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for your personal or internal business use.

The Service may include or depend on open source software. Open source components are licensed under their applicable open source licenses, not these Terms.

API Access

Your use of the Finterm API is subject to the following:

• Authentication: You must authenticate using valid credentials issued to your account. You may not share credentials or use credentials issued to another user.
• Permitted use: You may use API responses for your own research, analysis, and internal business purposes.
• Data restrictions: Some data returned by the API originates from third-party providers and may be subject to additional restrictions. Unless otherwise specified, you may not redistribute, resell, or publicly display raw API data in bulk, and you may not use the data to create or distribute an index, benchmark, indicative value, net asset value, or other derived financial product without our prior written permission and any third-party licenses that may be required.
• No SLA for free or preview tiers: Free, preview, or trial tiers are provided without service-level guarantees. Paid Plans may include availability commitments only if specified on our website or in a separate agreement.

Software Updates

The CLI may periodically check for updates or display update notices. We may release updates that add features, fix bugs, or address security issues. You are responsible for installing updates; continued use of outdated versions is at your own risk.

Restrictions

You may not, and may not allow anyone else to:

• Copy, modify, or create derivative works of the Service except as permitted by law or applicable open source licenses,
• Reverse engineer, decompile, or attempt to discover source code or underlying algorithms except to the extent prohibited by law,
• Circumvent rate limits, access controls, usage limits, or security measures,
• Share, sell, lease, or sublicense API keys,
• Use the Service to build or benchmark a competing product, except as permitted by law,
• Resell or provide the Service on a service bureau basis,
• Interfere with or disrupt the Service, including by introducing malware or abusing endpoints, or
• Access the Service in a way intended to avoid fees or usage limits.

7. Acceptable Use

You agree not to use the Service to:

• Violate law or regulation,
• Infringe intellectual property or other rights,
• Collect or store personal information about others in an unauthorized way,
• Transmit harmful, abusive, deceptive, or illegal content,
• Probe, scan, or test the vulnerability of the Service or related systems without permission,
• Attempt unauthorized access to the Service or other users’ accounts,
• Use automated means to scrape, extract, or harvest data from the Service except as explicitly permitted, or
• Use the Service in a manner that creates legal, security, operational, or reputational risk for Finterm or our providers.

API-Specific Acceptable Use

When using the Finterm API, you additionally agree not to:

• Make excessive requests designed to degrade the Service or circumvent rate limits,
• Use the API to build datasets for training machine learning models that compete with Finterm’s offerings,
• Redistribute API responses in a manner that competes with underlying data providers or violates their terms,
• Use the API for high-frequency trading, algorithmic trading execution, or automated trade execution without Finterm’s explicit written permission, or
• Access the API from multiple accounts to circumvent usage limits.

We may investigate and take action, including suspension or termination, if we believe your use violates these Terms or harms the Service or others.

8. Third-Party Services and Data Sources

The Service may incorporate or rely on third-party services and content, including providers of financial data, news, SEC filings, web search, LLM processing, storage, hosting, payments, analytics, and error monitoring (“Third-Party Services”).

Examples may include SEC EDGAR, market-data providers, web-search providers, LLM providers, Stripe, Clerk, Convex, Render, Google Cloud, PostHog, Sentry, and other providers.

• Third-Party Services are provided under their own terms and privacy policies.
• Finterm does not control Third-Party Services and is not responsible for their availability, accuracy, completeness, timeliness, legality, or continued availability.
• Your use of Third-Party Services may be subject to additional restrictions, including limits on redistribution, commercial use, public display, caching, derived works, and automated trading use cases.
• Some third-party data requires you to accept the data provider’s own terms before you can access it; you are responsible for entering into and complying with those terms.
• If Finterm loses the right or ability to provide any third-party data or service, we may discontinue or modify the affected part of the Service. If we discontinue a material portion of a paid feature you have prepaid for, we will provide a pro-rata refund for the affected, unused portion.

9. Intellectual Property and Content Ownership

Finterm and its licensors retain all rights, title, and interest in and to the Service, including software, documentation, branding, designs, and content, except for Your Content (defined below) and open source software licensed separately.

Your Content and Outputs

As between you and Finterm, you retain all rights you hold in the inputs you submit to the Service (such as tickers, company names, queries, and parameters) and in the research artifacts the Service generates for you (such as Dataroom packages, run manifests, and exported outputs) (“Your Content”). Finterm does not claim ownership of Your Content.

You grant Finterm a limited, non-exclusive, worldwide, royalty-free license to store, process, transmit, cache, and display Your Content solely to operate, provide, secure, support, and improve the Service—for example, to generate, deliver, resume, and let you download your artifacts. This license lasts only while we retain the relevant content to provide the Service and ends when it is deleted, except for residual or backup copies kept for a limited period as described in our Privacy Policy or as required by law.

Finterm is not a publishing or content-hosting platform. We do not publicly host, publish, share, or display your Datarooms or outputs to other users, except as you direct.

You are responsible for Your Content and for how you use any outputs. Some outputs incorporate data from third-party providers; your rights to redistribute, resell, or publicly display that data remain subject to Sections 6 and 8 and the providers’ own terms, even where you own the artifact that contains it.

Usage Data

Finterm collects data about how the Service is accessed and used—such as logs, metrics, analytics, request metadata, feature usage, and performance data (“Usage Data”)—and may use it to operate, secure, support, and improve the Service. Finterm may also create aggregated and de-identified data that does not identify you or any individual and does not disclose the substance of Your Content; Finterm owns that aggregated and de-identified data and may use it for any lawful business purpose. Our handling of any personal information in Usage Data is governed by our Privacy Policy.

Trademarks

Finterm names, logos, and product names are trademarks of Finterm. You may not use them without our prior written permission.

10. Feedback

If you submit feedback, ideas, or suggestions, you grant Finterm a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate that feedback without compensation to you.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINTERM DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Finterm does not warrant that:

• The Service will be uninterrupted, timely, secure, or error-free,
• Information provided will be accurate, complete, current, or suitable for any particular decision,
• Generated outputs will be free from errors, omissions, stale data, or provider limitations, or
• Defects will be corrected.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• FINTERM WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR TRADING LOSSES, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, EVEN IF FINTERM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
• FINTERM’S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FINTERM FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

13. Indemnification

You agree to indemnify and hold harmless Finterm and its officers, directors, employees, contractors, agents, affiliates, and licensors from claims, damages, liabilities, and expenses, including reasonable attorneys’ fees, arising out of or related to:

• Your use of the Service,
• Your violation of these Terms,
• Your violation of rights of another person or entity, or
• Your misuse, redistribution, or public display of third-party data obtained through the Service.

14. Suspension and Termination

We may suspend or terminate your access to the Service at any time if:

• You violate these Terms,
• Your use poses a security, legal, operational, or provider-contract risk,
• Your account is inactive or unpaid where payment is required, or
• We are required to do so by law.

You may stop using the Service at any time. If you have a paid subscription, you must cancel renewal as described in Section 5.

Sections that by their nature should survive termination will survive, including Sections 8 through 19.

15. Dispute Resolution and Arbitration (U.S. Users)

PLEASE READ THIS SECTION CAREFULLY. For U.S. users, it requires most disputes to be resolved through binding individual arbitration and waives class actions and jury trials. You may opt out within 30 days as described below. It does not limit any rights you have that cannot be waived under applicable law.

Informal Resolution First

Before starting an arbitration, you and Finterm agree to try to resolve the dispute informally for at least 60 days. To start, send a written description of the dispute and the relief you seek to help@finterm.ai; Finterm will contact you at the email associated with your account. Both sides will negotiate in good faith. Completing this process is a condition to starting arbitration, and any filing deadline is paused while it is underway.

Agreement to Arbitrate

If the dispute is not resolved within 60 days, you and Finterm agree to resolve it by final and binding individual arbitration rather than in court, except as stated in “Exceptions” below. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Arbitration Procedure

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, as modified by these Terms; the rules and filing instructions are available on the AAA website at adr.org. A single neutral arbitrator will be appointed under those rules, and the arbitration will be conducted in English. You may choose to have it held on the documents alone, by telephone or videoconference, or in person in the U.S. county where you live. The arbitrator may award the same individual relief a court could and must honor these Terms. Filing, administration, and arbitrator fees are governed by the AAA rules.

Class Action and Jury Trial Waiver

You and Finterm agree to bring claims against each other only individually, and not as a plaintiff or class member in any purported class, collective, coordinated, or representative proceeding. The arbitrator may not preside over the claims of more than one person and may not award relief to anyone who is not a party. You and Finterm each waive any right to a jury trial.

Coordinated or Mass Filings

If 25 or more arbitration demands raising similar claims are filed by or with the coordination of the same or coordinated counsel, you and Finterm agree the demands will be administered in staged batches of up to 50 to resolve them efficiently, with one arbitrator and one set of filing fees per batch.

Exceptions

Either party may still (a) bring an individual claim in small claims court if it qualifies, and (b) ask a court for injunctive or other equitable relief to protect intellectual property or confidential information. Doing either does not waive the right to arbitrate any other dispute.

Opt-Out

You may opt out of this arbitration agreement by sending written notice to help@finterm.ai within 30 days of first accepting these Terms. Your notice must include your name, the email associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out does not affect the rest of these Terms.

Severability and Survival

If the class-action waiver is found unenforceable for a particular claim, that claim will proceed in court while the rest of this section continues to apply to all other claims. If any other part of this section is found unenforceable, it will be severed and the remainder will stay in effect. This section survives termination of these Terms.

Non-U.S. Users

If you are not a U.S. user, this section may not apply to you, and you may have additional rights under the laws of your country.

16. Governing Law and Venue

These Terms are governed by the laws of the State of California, excluding its conflict of laws rules.

To the extent a dispute is permitted to be brought in court, you agree that it will be brought exclusively in the state or federal courts located in San Francisco County, California, and you consent to personal jurisdiction there.

17. Export Controls and Sanctions

You may not use the Service if you are located in a country embargoed by the United States or are on a U.S. government restricted-parties list. You agree to comply with applicable export control and sanctions laws.

18. Changes to the Terms

We may update these Terms from time to time. If we make material changes, we will update the “Last Updated” date and may provide additional notice. Continued use of the Service after changes become effective means you accept the updated Terms. If a change materially degrades the functionality of a paid feature you are then using, you may cancel as described in Section 5, and for prepaid paid plans we will refund the pro-rata portion of prepaid fees for the affected, unused period.

19. Miscellaneous

• Entire agreement: These Terms and policies referenced in them, including our Privacy Policy, are the entire agreement between you and Finterm regarding the Service.
• Severability: If any provision is unenforceable, the remaining provisions remain in effect.
• Assignment: You may not assign these Terms without our consent. Finterm may assign these Terms as part of a merger, acquisition, reorganization, or sale of assets.
• No waiver: Failure to enforce a provision is not a waiver.
• Force majeure: Finterm is not responsible for delays or failures caused by events beyond our reasonable control.