Terms of Service
Last Updated: March 9, 2026
Section A — General terms
Introduction and overview
Thank you for choosing finever.ai. We provide a platform (the “Platform”) that encompasses (1) our websites, hosted services, and related offerings that help you analyze tax-return information and generate educational financial planning materials (each, a “Service”); and (2) installable or downloadable software (including any desktop or mobile applications we may offer), any accompanying documentation, and any updates to such software or documentation (collectively, “Software”). In these Terms, “finever.ai,” “we,” “us,” or “our” refers to the operator of the Platform.
When you use the Platform, you enter into a binding contract with us on the terms below. Please read this Agreement carefully and in full.
If you are an individual acting on your company’s or client’s behalf, you accept these Terms on their behalf and the term “you” refers to you, your company, or your client, as applicable.
Agreement to these Terms
You need to agree to these Terms to use our Platform. By accessing or using the Platform, you agree that we may process personal information as described in our Privacy Policy.
To access and/or use the Platform, you acknowledge and agree:
- To this agreement (“Agreement”), which includes:
- Our Privacy Policy;
- The current version of the terms set out in Section A and Section B below; and
- Any additional provisions or conditions we provide separately for specific Services or features (which may include terms from third parties — “Additional Terms”).
- You are at least 18 years of age (or the age of majority in your jurisdiction, if higher).
- You are capable of forming a binding contract with us.
- You are not prohibited from using the Platform under the laws of the United States or any other applicable jurisdiction.
Your personal information
We describe how we use personal information in our Privacy Policy. You should only provide us with personal information of other people if you have lawful authority or permission to do so.
You agree that we may use and maintain your personal information in accordance with our Privacy Policy and any updates we publish.
To the extent the Platform allows you to submit personal information about individuals other than yourself, you represent and warrant that you have complied with applicable law and have any required authority or consent for us to collect and process that information to operate the Platform, consistent with our Privacy Policy.
Changes
We may modify this Agreement at any time. We may notify you by posting an updated version on the Platform, on our website, by email, or through the Service. Your continued use of the Platform after changes become effective constitutes your acceptance of the revised Agreement, except where applicable law requires a different process.
If you do not agree to the changes, you must stop using the Platform and may terminate your account where applicable.
We may update the Platform (including tools, integrations, or third-party components). You agree to receive such updates where they are part of the Service. We may modify, suspend, or discontinue the Platform or any feature. To the extent permitted by applicable law, we will not be liable to you or any third party for any modification, suspension, or discontinuance.
Your rights to use the Platform
Except as stated in Section B or Additional Terms, you may access and use the Platform only for your own internal, lawful purposes and in accordance with this Agreement. You may not use the Platform in violation of law or in a manner that harms us or others.
Beta features
We may offer pre-release, trial, or beta features. Such features are provided as-is, may change or end at any time, and may be subject to additional rules we communicate when you use them.
Account
You may need an account to use parts of the Platform. We may verify your identity and ask for information needed to create or secure your account (“Account Information”). You will provide accurate, current Account Information. You are responsible for safeguarding credentials and for activity under your account. Notify us promptly through the contact options on our Support page if you believe your account or device has been compromised.
Payment and cancellations
Some parts of the Platform may be free; others may require payment or a subscription. If fees apply, you agree to pay them as described at checkout or in Additional Terms.
Payments are processed in the currency and through the payment methods we specify. If payment fails or information is incomplete, we may suspend or terminate access to paid features.
Recurring subscriptions renew as disclosed at purchase unless you cancel before renewal. If we change recurring fees, we will give notice as required by applicable law. If you cancel, you generally retain access through the end of the current paid period unless we state otherwise. Unless required by law, fees are non-refundable.
Desktop and mobile use
If we offer applications, you are responsible for any fees charged by your device carrier or app marketplace and for complying with those third parties’ terms. Subject to your compliance with this Agreement and payment obligations, we grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the Software solely for the period and purposes described in the ordering or activation terms. Software is licensed, not sold.
Third-party services and information
The Platform may reference or link to third-party services, tools, or content. We do not control and are not responsible for third-party services, products, or claims made about them. Professional decisions (for example, tax, legal, or investment decisions) require qualified advisors. The Platform provides educational planning aids and general information, not personalized professional advice, unless we expressly state otherwise in writing for a specific offering.
Content and data
You are responsible for anything you upload, submit, store, or otherwise make available through the Platform (your “Content”). You retain any intellectual property rights you have in your Content.
By using the Platform, you grant us a worldwide, non-exclusive, royalty-free license to host, reproduce, process, display (including to you and to anyone you authorize), and create derivative works (such as formatting or summarizing) of your Content, solely to operate, provide, secure, and improve the Platform and as described in our Privacy Policy. This license lasts for as long as your Content remains in our systems or applicable intellectual property protections continue, as permitted by law.
We may collect, derive, or generate de-identified or aggregated data regarding use of the Platform. We may use such data without restriction to the extent it does not identify you, subject to our Privacy Policy.
As between you and us, we and our licensors retain all rights in the Platform and Software except for the limited rights expressly granted to you.
Prohibited uses
You may not use the Platform to:
- Violate any applicable law or regulation.
- Post or share Content that is unlawful, fraudulent, defamatory, infringing, or harassing.
- Introduce malware or disrupt the Platform or others’ systems.
- Send unsolicited commercial messages in violation of law.
- Impersonate us or misrepresent your affiliation with us.
- Reverse engineer, decompile, or disassemble any part of the Platform except where applicable law prohibits this restriction.
- Scrape, harvest, or access the Platform or others’ data without authorization.
- Circumvent access controls, usage limits, or security measures.
- Encourage or assist anyone else to do any of the above.
We may suspend or terminate access if we reasonably believe you have violated this Agreement or pose risk to the Platform or other users.
Community features; feedback
If the Platform includes forums or social features, we are not responsible for user Content in those areas. Do not share information you are not willing to make public.
If you provide feedback or suggestions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them without obligation to you.
Termination
This Agreement remains in effect until terminated. You may stop using the Platform and, where available, close your account. We may suspend or terminate access or this Agreement at any time, including for breach or risk to the Platform.
Removing an app from a device may not cancel a subscription or delete data; follow in-product or Support instructions for billing and data requests.
Effect of termination
When this Agreement ends, you must stop using the Platform. Termination does not relieve you of payment obligations accrued before termination. Provisions that by their nature should survive (including intellectual property, disclaimers, limitations of liability, indemnity, and dispute terms) survive termination.
Communications
We may send service, security, and account-related messages. Where law requires consent for marketing communications, we will obtain it. You may manage preferences as described in our Privacy Policy or in-product settings.
Third-party account information
If you direct us to retrieve information from third parties on your behalf, you authorize us to access those sources as your agent only to provide the Service. We do not warrant third-party data accuracy and are not responsible for errors, delays, or fees caused by third parties.
Disclaimers
The Platform is provided on an “as-is” and “as-available” basis. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or free of harmful components, or that outputs will be accurate or suitable for any particular tax, legal, or financial outcome. You use the Platform at your own risk.
Nothing in the Platform is tax, legal, or accounting advice, and the Platform is not a substitute for qualified professionals.
Limitation of liability
To the fullest extent permitted by law, our total aggregate liability arising out of or relating to this Agreement or the Platform is limited to the greater of (1) the amount you paid us for the Service giving rise to the claim during the twelve (12) months before the event giving rise to liability, or (2) one hundred U.S. dollars (US $100).
We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenues, goodwill, or data, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability is limited to the maximum permitted by law.
Indemnity
You will defend, indemnify, and hold harmless finever.ai and its affiliates, officers, directors, employees, and agents from claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of your Content, your use of the Platform in violation of this Agreement, or your violation of law or third-party rights.
Disputes; governing law
Informal resolution. Before filing a claim, you agree to contact us through the options on our Support page and try to resolve the dispute informally for at least thirty (30) days.
Governing law. This Agreement is governed by the laws of the State of Delaware, excluding conflict-of-law rules, except where consumer protection laws in your place of residence require otherwise.
Forum. Except where prohibited by law, exclusive jurisdiction and venue for any dispute arising out of this Agreement will be the state and federal courts located in Delaware, and you consent to personal jurisdiction there. If you are a consumer in a jurisdiction that gives you the right to bring disputes in your local courts, that right remains available to you.
Class action waiver. To the extent permitted by law, disputes must be brought on an individual basis, not as a plaintiff or class member in any class or representative proceeding.
General
Assignment. You may not assign this Agreement without our consent. We may assign this Agreement in connection with a merger, acquisition, or sale of assets.
Severability. If a provision is unenforceable, the remaining provisions remain in effect.
Entire agreement. This Agreement (including Section B and Additional Terms) is the entire agreement between you and us regarding the Platform.
Export. You agree to comply with applicable export and sanctions laws.
Electronic communications. You consent to receive notices electronically, including via the Platform or email.
Contact
For questions about this Agreement, use the contact options listed on our Support page.
Section B — Additional terms
Section B applies together with Section A. If Section B conflicts with Section A on a specific topic, Section B controls for that topic.
Messaging and telephone communications
If you provide a phone number, you represent that you are the subscriber or customary user of that number. We may call or text you regarding your account, security, or, where permitted, promotions. Message frequency may vary; message and data rates may apply. You can opt out of promotional texts as instructed in messages or our Privacy Policy. Carriers are not liable for delayed or undelivered messages.
Paid plans and subscription access
Certain features (for example, full plan access or premium reporting) may require a paid subscription or one-time purchase. Pricing, renewal, and cancellation terms are presented at purchase and may be updated prospectively as described in Section A.