Last Updated: May 2026
PLEASE READ THESE TERMS OF SERVICE CAREFULLY BEFORE ACCESSING OR USING THE WEBSITE OR PLATFORM. BY ACCESSING OR USING THE WEBSITE OR PLATFORM, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, PLEASE DO NOT ACCESS OR USE THE WEBSITE OR PLATFORM.
1. Acceptance of Terms
Finrep Inc., a Delaware corporation ("Finrep," "we," "us," or "our"), makes available its website at www.finrep.ai (the "Website") and its AI-powered financial reporting and SEC filing management platform at app.finrep.ai (the "Platform") subject to these Terms of Service (the "Terms"). These Terms constitute a legally binding agreement between Finrep and you or the entity you represent ("Customer" or "you").
If you are accessing the Platform on behalf of a company or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and references to "you" or "Customer" include that entity. If you do not have such authority, you may not access or use the Platform.
These Terms incorporate by reference the Finrep Privacy Policy, available at www.finrep.ai/privacy-policy, and any Order Form, Statement of Work, or similar agreement executed between Customer and Finrep (each, an "Order Form"). In the event of a conflict between these Terms and an executed Order Form, the Order Form controls.
2. Description of Services
Finrep provides an AI-powered financial reporting and SEC filing management platform that enables enterprise customers to process financial documents, prepare and review regulatory filings, manage financial data workflows, and use AI-assisted analysis and drafting tools (collectively, the "Services"). The specific features and scope of access are set forth in the applicable Order Form.
Finrep Inc. is the contracting and service delivery entity for all customers. Our Cayman Islands parent company, Finrep Alchemy, and our India-based engineering entity, FinrepAI Alchemy Technology Private Limited, support Platform development and infrastructure but are not parties to these Terms and have no liability to Customer hereunder.
We reserve the right to modify, update, or discontinue the Services or any feature at any time, with reasonable advance notice of material changes that adversely affect your use of the Platform.
3. Eligibility and Account Registration
(a) Eligibility
The Platform is intended for enterprise customers and their authorized personnel. You must be at least 18 years of age and legally capable of entering into binding contracts. The Platform is not intended for consumers or individuals in a personal capacity.
(b) Account Registration
To access the Platform, you must register for an account with accurate, current, and complete information, and must keep that information updated. Each account is for a single authorized user unless otherwise specified in the Order Form. Sharing account credentials with unauthorized individuals is prohibited.
(c) Account Security
You are responsible for the confidentiality of your account credentials and all activities under your account. Notify us immediately at legal@finrep.ai upon becoming aware of unauthorized access.
(d) Suspension
We reserve the right to suspend or terminate your account if we reasonably believe you have violated these Terms, provided false information, or engaged in fraudulent, illegal, or abusive conduct.
4. Subscription and Payment
(a) Fees
Access to the Platform is provided on a subscription basis. Applicable fees, billing cycle, and scope of access are set forth in the Order Form. Fees are non-refundable except as expressly stated in these Terms or the Order Form.
(b) Payment Terms
Fees are due and payable as specified in the Order Form. Unless otherwise agreed, invoices are due within 30 days of the invoice date. Overdue amounts bear interest at 1.5% per month or the maximum rate permitted by applicable law, whichever is lower. We reserve the right to suspend access for accounts more than 30 days past due following written notice.
(c) Taxes
Fees are exclusive of all applicable sales, use, value-added, and similar taxes. Customer is responsible for all such taxes, excluding taxes on Finrep's net income.
(d) Automatic Renewal
Unless either party provides written notice of non-renewal at least 30 days before the end of the then-current term, the subscription will automatically renew for an equal successive term at Finrep's then-current pricing.
5. Acceptable Use
(a) Permitted Use
Customer may access and use the Platform solely for its internal business purposes and in accordance with these Terms and any applicable Order Form.
(b) Prohibited Conduct
Customer shall not, and shall ensure that its authorized users do not:
- use the Platform for any unlawful purpose or in violation of applicable law;
- reverse engineer, decompile, disassemble, or attempt to derive source code or underlying algorithms of the Platform;
- sublicense, resell, transfer, or otherwise make the Platform available to unauthorized third parties without prior written consent;
- transmit viruses, malware, or other harmful code;
- submit or process data in violation of any third-party intellectual property, privacy, or confidentiality rights;
- use the Platform to engage in market manipulation, insider trading, securities fraud, or any conduct that violates applicable securities laws;
- attempt to gain unauthorized access to the Platform, its infrastructure, or data of other customers; or
- use the Platform in a manner that imposes a disproportionate or unreasonable load on our infrastructure.
(c) Customer Responsibility
Customer is responsible for the conduct of all authorized users accessing the Platform under its account and for ensuring such use complies with these Terms.
6. Artificial Intelligence Features
(a) AI-Assisted Features
The Platform incorporates AI-assisted features that use third-party AI APIs, including the Anthropic Claude API, Microsoft Azure OpenAI Service, and Google Cloud Vertex AI (collectively, the "AI Tools"), to process inputs and generate outputs such as drafting assistance, document analysis, and data extraction.
(b) No Professional Advice
AI-generated outputs are for informational and operational efficiency purposes only. They do not constitute and shall not be relied upon as legal, financial, accounting, securities, or regulatory advice. Customer is solely responsible for reviewing, validating, and approving all AI-generated outputs before use, and for the accuracy, completeness, and regulatory compliance of any filings or financial disclosures prepared using the Platform.
(c) No Warranty on AI Outputs
AI-generated outputs are inherently probabilistic and may contain errors, omissions, or inaccuracies. Finrep does not warrant the accuracy, completeness, reliability, or fitness for any particular purpose of any AI-generated output. Customer assumes all risk associated with reliance on such outputs.
(d) Prohibited Uses of AI Features
Customer shall not use AI features to:
- generate, submit, or disseminate false or materially misleading financial information;
- engage in market manipulation or insider trading;
- circumvent disclosure requirements under applicable securities laws; or
- any other purpose prohibited under applicable law or these Terms.
(e) Data Submitted to AI Tools
Customer acknowledges that data submitted through AI-assisted features may be processed by the AI Tool providers described in our Privacy Policy. Customer represents that it has the right to submit all such data and that doing so is consistent with its obligations to third parties whose information is contained therein.
7. Intellectual Property
(a) Finrep IP
Finrep and its licensors retain all right, title, and interest in and to the Platform, including all software, algorithms, AI models, interfaces, documentation, trademarks, and other intellectual property embodied therein (collectively, "Finrep IP"). These Terms grant Customer only a limited, non-exclusive, non-transferable, revocable license to access and use the Platform as described in Section 5 during the applicable subscription term.
(b) Customer Data
Customer retains all right, title, and interest in and to the documents, financial information, and other materials submitted through the Platform by Customer or its authorized users ("Customer Data"). Customer grants Finrep a limited, non-exclusive license to process Customer Data solely to provide the Services and as described in these Terms and the Privacy Policy.
(c) AI-Generated Outputs
Outputs generated through the Platform using Customer Data are provided to Customer for its use. Finrep does not claim ownership over Customer-specific outputs. Customer acknowledges that the intellectual property status of AI-generated content is subject to evolving legal standards and that Finrep makes no representation as to the copyrightability or ownership of such outputs under applicable law.
(d) Feedback
If Customer provides Finrep with suggestions, comments, or other feedback regarding the Platform ("Feedback"), Customer grants Finrep a perpetual, irrevocable, royalty-free, worldwide license to use and incorporate such Feedback. This license does not extend to Feedback that constitutes Customer Data or Customer confidential information.
(e) Reservation of Rights
All rights not expressly granted in these Terms are reserved by Finrep.
8. Customer Data and Data Processing
(a) Customer as Controller
As between the parties, Customer is the data controller or business with respect to personal information in Customer Data. Finrep processes such personal information solely as a service provider or data processor under Customer's instructions and in accordance with these Terms and the Privacy Policy.
(b) Customer Representations
Customer represents and warrants that: (i) it has all rights, consents, and authorizations necessary to submit Customer Data to the Platform; (ii) Customer Data does not infringe the intellectual property, privacy, or other rights of any third party; and (iii) Customer's use of the Platform complies with all applicable privacy, data protection, and securities laws.
(c) Data Processing Agreement
Enterprise customers requiring a Data Processing Agreement for GDPR, CCPA/CPRA, GLB Act, or other regulatory compliance should contact us at privacy@finrep.ai. Finrep will negotiate a Data Processing Agreement in good faith with customers that have a legitimate regulatory need.
(d) Security
Finrep implements reasonable technical and organizational measures to protect Customer Data as described in the Privacy Policy. Customer is responsible for implementing appropriate access controls for its authorized users.
9. Confidentiality
(a) Confidential Information
Each party (the "Receiving Party") may receive from the other (the "Disclosing Party") information that is marked confidential or that a reasonable person would understand to be confidential given the nature of the information and circumstances of disclosure ("Confidential Information"). Customer Data is Confidential Information of Customer. Finrep's pricing, technology, product roadmaps, and non-public business information are Confidential Information of Finrep.
(b) Obligations
Each Receiving Party agrees to: (i) maintain the confidentiality of Confidential Information using at least the same care it uses for its own confidential information, but in no event less than reasonable care; (ii) use Confidential Information only for performing obligations or exercising rights under these Terms; and (iii) limit disclosure to employees, contractors, and advisors who need to know and are bound by obligations no less protective than those in this Section.
(c) Exclusions
Confidentiality obligations do not apply to information that: (i) is or becomes publicly available through no breach by the Receiving Party; (ii) was known to the Receiving Party before disclosure without restriction; (iii) is independently developed without use of the Disclosing Party's Confidential Information; or (iv) is received from a third party without restriction and without breach of any confidentiality obligation.
(d) Compelled Disclosure
If required by law or court order to disclose Confidential Information, the Receiving Party shall promptly notify the Disclosing Party to the extent legally permitted, cooperate with efforts to seek a protective order, and disclose only the minimum required.
10. Representations and Warranties
(a) Mutual Representations
Each party represents and warrants that: (i) it has full authority to enter into and perform its obligations under these Terms; (ii) these Terms constitute a valid and binding obligation; and (iii) entering into these Terms does not violate any applicable law or agreement.
(b) Customer Representations
Customer additionally represents and warrants that: (i) it owns or has all necessary rights to Customer Data; (ii) its use of the Platform complies with all applicable laws, regulations, and contractual obligations, including applicable securities laws; (iii) to the extent Customer submits material non-public information through the Platform, it does so in compliance with applicable securities laws and its internal policies; and (iv) it has obtained all consents from individuals whose personal information is contained in Customer Data as required by applicable law.
(c) Finrep Warranties
Finrep warrants that: (i) the Platform will perform materially in accordance with its documentation under normal use; and (ii) Finrep will maintain reasonable security measures as described in the Privacy Policy.
11. Disclaimer of Warranties
THE PLATFORM, SERVICES, AND ALL AI-GENERATED OUTPUTS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINREP DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. FINREP DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE. AI-GENERATED OUTPUTS ARE NOT PROFESSIONAL ADVICE AND ARE PROVIDED WITHOUT ANY WARRANTY AS TO ACCURACY, COMPLETENESS, OR FITNESS FOR ANY REGULATORY OR FINANCIAL PURPOSE.
12. Limitation of Liability
(a) Cap on Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL EITHER PARTY'S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS EXCEED THE TOTAL FEES PAID BY CUSTOMER TO FINREP IN THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
(b) Exclusion of Consequential Damages
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
(c) Exceptions
The limitations in this Section 12 do not apply to: (i) indemnification obligations under Section 13; (ii) damages arising from a party's gross negligence or willful misconduct; (iii) Customer's payment obligations; or (iv) breach of confidentiality obligations under Section 9.
13. Indemnification
(a) By Customer
Customer shall defend, indemnify, and hold harmless Finrep and its affiliates and their respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (i) Customer's use of the Platform in violation of these Terms; (ii) Customer Data, including any claim that Customer Data infringes or violates third-party rights; (iii) Customer's violation of applicable law; or (iv) use of the Platform by Customer's authorized users.
(b) By Finrep
Finrep shall defend, indemnify, and hold harmless Customer from and against any third-party claims alleging that the Platform, as provided by Finrep and used in accordance with these Terms, infringes any US copyright, patent, or trademark. This indemnification does not apply to claims arising from Customer Data, Customer modifications, or use of the Platform in combination with third-party products not authorized by Finrep.
(c) Process
The indemnified party shall: (i) promptly notify the indemnifying party in writing; (ii) give the indemnifying party sole control over defense and settlement; and (iii) provide reasonable cooperation at the indemnifying party's expense. The indemnifying party shall not settle any claim in a manner that imposes obligations on the indemnified party without prior written consent.
14. Term and Termination
(a) Term
These Terms commence on the date you first access the Platform or execute an Order Form, whichever is earlier, and continue for the subscription term specified in the Order Form, unless earlier terminated under this Section 14.
(b) Termination for Cause
Either party may terminate these Terms effective 30 days after written notice if the other party materially breaches these Terms and fails to cure such breach within that period. Either party may terminate immediately if the other party becomes insolvent, makes a general assignment for creditors' benefit, or becomes subject to bankruptcy or similar proceedings.
(c) Effect of Termination
Upon termination or expiration: (i) all licenses granted to Customer terminate immediately; (ii) Customer shall cease use of the Platform; (iii) Customer may request export of its Customer Data within 30 days, after which Finrep shall delete or anonymize Customer Data consistent with its retention practices and applicable law; and (iv) all outstanding payment obligations survive.
(d) Survival
Sections 7, 9, 11, 12, 13, 14(c), 15, and 16 survive termination or expiration of these Terms.
15. Governing Law and Disputes
(a) Governing Law
These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict of laws principles.
(b) Jurisdiction
Subject to subsection (c), each party irrevocably submits to the exclusive jurisdiction of the state and federal courts in the State of Delaware for resolution of any dispute arising out of or related to these Terms.
(c) Informal Resolution
Before initiating formal proceedings, the parties agree to attempt in good faith to resolve any dispute through negotiation for 30 days following written notice from the aggrieved party.
(d) Class Action Waiver
Each party waives any right to bring claims against the other on a class, consolidated, or representative basis. Claims may only be brought in an individual capacity.
16. Miscellaneous
(a) Entire Agreement
These Terms, together with the Privacy Policy and any executed Order Forms, constitute the entire agreement between the parties regarding the subject matter hereof and supersede all prior agreements, representations, and understandings.
(b) Amendments
Finrep may update these Terms at any time by posting revised Terms on the Website with an updated effective date. Material changes will be communicated by email or through Platform notice at least 30 days before taking effect. Continued use following notice constitutes acceptance. Changes required by law may take effect immediately.
(c) Severability
If any provision is found invalid, illegal, or unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions continue in full force.
(d) Waiver
No failure or delay in exercising any right constitutes a waiver. A waiver of any particular breach does not constitute a waiver of any future breach.
(e) Assignment
Customer may not assign or transfer these Terms without Finrep's prior written consent. Finrep may assign these Terms without consent in connection with a merger, acquisition, reorganization, or sale of substantially all assets, provided the assignee assumes all obligations. Any purported assignment in violation of this Section is void.
(f) Force Majeure
Neither party is liable for delays or failures in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, pandemic, government action, war, terrorism, labor disputes, or internet or infrastructure disruptions, provided the affected party gives prompt notice and uses reasonable efforts to mitigate the impact.
(g) No Third-Party Beneficiaries
These Terms do not confer any rights or remedies on any third party. Finrep Alchemy and FinrepAI Alchemy Technology Private Limited are not parties to these Terms and have no liability to Customer hereunder.
(h) Notices
All notices shall be in writing and delivered by email with confirmation of receipt or by nationally recognized overnight courier. Notices to Finrep shall be sent to legal@finrep.ai. Notices to Customer shall be sent to the email or address on file in the Order Form.
(i) Relationship of Parties
The parties are independent contractors. Nothing in these Terms creates a partnership, joint venture, agency, franchise, or employment relationship.
17. Contact Information
For questions, concerns, or legal notices, please contact us at:
Legal Department
Finrep Inc.
8 The Green, Ste A, Dover, Delaware 19901
Email: legal@finrep.ai
Website: www.finrep.ai
