Terms of Use

By accessing or using FinLens.AI, LegalBlindSpot.AI, or any related services (collectively, the "Services") operated by SecureBiz Solutions ("we", "us", or "our"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use our Services.

FinLens.AI provides AI-powered analysis of financial transactions to identify applicable IFRS, IAS, and ISSB standards, generate suggested journal entries, and provide accounting guidance. LegalBlindSpot.AI provides AI-powered analysis of legal documents (including Terms of Service, contracts, and policies) to identify potentially risky clauses and provide plain-English explanations. Our Services use Claude, an AI model developed by Anthropic PBC, to generate analysis and responses.

IMPORTANT: Our Services do not provide professional legal, accounting, or financial advice. FinLens.AI is a tool to assist with understanding IFRS standards. It is not a substitute for professional accounting advice. Always consult a qualified accountant or auditor for material financial decisions. LegalBlindSpot.AI is a tool to assist with identifying potential legal risks. It is not a substitute for professional legal advice. Always consult a licensed lawyer for legal decisions. You acknowledge that AI-generated outputs may contain errors, omissions, or inaccuracies. You are solely responsible for verifying any information obtained through our Services before relying on it.

You must register for an account using Clerk Authentication to access certain features of our Services. You are responsible for: - Maintaining the confidentiality of your account credentials - All activities that occur under your account - Notifying us immediately of any unauthorized access to your account We reserve the right to suspend or terminate accounts that violate these Terms.

You agree not to: - Use our Services for any illegal purpose or in violation of any applicable law - Submit documents or text containing: - Protected Health Information (PHI) covered by HIPAA - Government identification numbers, biometric data, or financial account credentials - Classified or state-secret information - Information you are legally prohibited from sharing with third parties - Attempt to reverse engineer, decompile, or extract the source code of our Services - Use automated scripts, bots, or crawlers to access our Services without our written permission - Interfere with or disrupt the security, integrity, or performance of our Services - Use our Services to train or develop competing AI models

Our IP: All content, logos, software, and features of our Services are owned by SecureBiz Solutions or our licensors. You may not copy, modify, distribute, or create derivative works without our written permission. Your IP: You retain ownership of all documents, transaction descriptions, and other content you submit to our Services. By submitting content, you grant us a limited license to process, store, and display that content solely to provide the Services to you (including storing analysis results for your dashboard history as described in our Privacy Policy).

If you subscribe to a paid plan: - Fees are billed in advance on a monthly or annual basis (depending on your selected plan) - Payments are processed securely by Stripe. We do not store your full payment card details - You may cancel your subscription at any time through your account settings - Refunds are provided at our sole discretion, except where required by applicable consumer protection laws - We reserve the right to change pricing upon 30 days' prior notice

Our Services generate responses using artificial intelligence. You acknowledge that: - AI outputs may not always be accurate, complete, or up-to-date - AI outputs should not be relied upon as definitive or authoritative - You are solely responsible for evaluating the appropriateness of AI outputs for your specific situation - We are not liable for any decisions you make based on AI-generated content

Our Services integrate with third-party providers, including: - Clerk (authentication) - Stripe (payment processing) - Anthropic (AI processing – Claude) - Supabase (database infrastructure) - Vercel (frontend hosting) - Railway (backend hosting) Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for their practices.

Our collection, use, storage, and retention of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our Services, you consent to the data practices described in our Privacy Policy, including: - Storage of your analysis results for dashboard history - Processing of your content by Anthropic's Claude AI model - Use of Clerk, Stripe, Supabase, Vercel, and Railway as data processors

You may delete your account at any time through your account settings. We may suspend or terminate your access to our Services at any time for: - Violation of these Terms - Conduct that harms our Services or other users - Any other reason at our sole discretion (with notice where practicable) Upon termination, you will lose access to your analysis history and dashboard data, unless you have exported or downloaded it.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW: - OUR SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT - WE DO NOT WARRANT THAT OUR SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE - WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SERVICES - OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100 USD This limitation applies to all claims, whether based on warranty, contract, tort, or any other legal theory.

You agree to indemnify, defend, and hold harmless SecureBiz Solutions and our officers, directors, employees, and agents from any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: - Your use of our Services - Your violation of these Terms - Your violation of any applicable law or third-party rights - Your submitted content

These Terms are governed by the laws of Delaware, United States, without regard to its conflict of law principles. Any legal action arising from these Terms or your use of our Services shall be brought exclusively in the federal or state courts located in Delaware, USA. For users in Nigeria, Canada, or the EU: Nothing in this section deprives you of mandatory protections under your local consumer protection or data protection laws.

Mandatory Arbitration: Any dispute arising from these Terms or your use of our Services shall be resolved through binding arbitration conducted by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. Exceptions: Either party may bring an individual action in small claims court or seek injunctive relief for intellectual property infringement without first submitting to arbitration. Class Action Waiver: You agree to resolve disputes on an individual basis. You waive the right to bring or participate in any class, consolidated, or representative action. Opt-Out: You may opt out of this arbitration provision by notifying us in writing within 30 days of first accepting these Terms. The notice must include your name, address, and account email, and state your intent to opt out.

We may update these Terms from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will notify you by email (if you have an account) and by posting a prominent notice on our Services at least 30 days before the changes take effect. Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance of the changes.

Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect. No Waiver: Our failure to enforce any right or provision does not waive our right to enforce it in the future. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and SecureBiz Solutions regarding your use of our Services. Assignment: We may assign these Terms to a successor in connection with a merger, acquisition, or sale of assets. You may not assign these Terms without our written consent.

For questions about these Terms, please contact us at: Email: legal@securebiztech.com Website: https://securebiztech.com