End User Agreement

1. Acceptance of Agreement

By accessing or using the Finoco platform ("Service"), you ("User") agree to be bound by this End User Agreement ("Agreement"). If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to this Agreement.

If you do not agree to the terms of this Agreement, you must not access or use the Service.

2. License Grant

Subject to the terms of this Agreement, Finoco AI Private Limited ("Finoco") grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service solely for your internal business purposes in connection with portfolio monitoring, financial analysis, and related credit operations.

3. Permitted Use

You may use the Service to:

• Monitor and analyze your private credit or alternative asset portfolio
• Upload, store, and process financial documents, term sheets, and reporting data
• Generate AI-assisted analysis and scenario models for internal decision-making
• Track covenant compliance and portfolio risk signals
• Share outputs internally within your organization

4. Restrictions

You agree not to:

• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to build a competing product or service
• Sublicense, resell, or distribute access to the Service to third parties
• Use the Service in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any systems or networks connected to the Service
• Upload any content that is unlawful, harmful, or infringes third-party rights

5. Data and Privacy

Finoco processes your data in accordance with our Privacy Policy. Key commitments include:

• No training on user data. Your data is never used to train AI models.
• Data deletion. You may request permanent deletion of your data at any time.
• Encryption. All data is encrypted in transit and at rest.

You retain ownership of all data you upload to the Service. By uploading data, you grant Finoco a limited license to process and store that data solely to provide the Service.

6. Intellectual Property

All rights, title, and interest in and to the Service, including all software, algorithms, models, interfaces, and documentation, are and remain the exclusive property of Finoco. Nothing in this Agreement transfers any ownership rights to you.

You retain all intellectual property rights in the data and content you upload to the Service.

7. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. Finoco does not warrant that the Service will be error-free, uninterrupted, or that any analysis or output constitutes financial advice.

All outputs from the Service, including AI-generated analysis, are for informational purposes only and should not be relied upon as the sole basis for any investment or credit decision.

8. Limitation of Liability

To the maximum extent permitted by applicable law, Finoco shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising out of or related to your use of the Service.

Finoco's total aggregate liability to you for any claims arising under this Agreement shall not exceed the fees paid by you to Finoco in the three months preceding the claim.

9. Term and Termination

This Agreement is effective from the date you first access the Service and continues until terminated. Either party may terminate this Agreement upon written notice. Finoco may terminate or suspend your access immediately for breach of this Agreement.

Upon termination, your license to use the Service ceases and you must discontinue all use. Finoco will retain your data for 30 days following termination, after which it may be permanently deleted.

10. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of India. Any disputes arising under this Agreement shall be subject to the exclusive jurisdiction of the courts of Mumbai, Maharashtra, India.

11. Contact

For questions about this Agreement, please contact us at hello@finoco.ai.