Terms of use

1. Who this is between

These terms are between you and Financial Brain LLC, an Arizona limited liability company. They apply when you use this website or install and run the Financial Brain installer software.

If you have signed a Financial Brain Install Agreement, that agreement governs the engagement: what is delivered, what it costs, the guarantee, and the obligations on both sides. These terms govern the software itself. Where the two genuinely conflict, the Install Agreement wins.

2. Your licence

You may install, run and modify the software for your own business and personal use. The licence is non-exclusive and worldwide. You may not resell it, offer it as a hosted service to others, or remove notices identifying its origin.

The licence does not expire and the software does not check in with us. If Financial Brain LLC ceased to exist tomorrow, an installed system would keep running. That is a design decision and we intend to keep it true.

3. It runs in accounts you own, and you pay for them

Financial Brain installs into cloud accounts you create, own and control. Today that means a Cloudflare account, and optionally a Google Cloud project if you connect Google services.

• Those accounts are billed to you directly by those providers. Cloudflare’s Workers Paid plan has a monthly minimum, and usage above the included allowances costs more.
• Your use of those services is governed by their terms, not ours. We are not a party to them.
• You are responsible for the security of those accounts, including who you grant access to.

4. The answers can be wrong

Financial Brain uses AI models to retrieve and summarise your own records. AI models produce confident text, and confident text is not the same as correct text. An answer can be incomplete, out of date, or wrong, including when it cites a real document.

Do not rely on an answer for a decision that matters without checking the underlying document. The system is built to cite its sources precisely so that checking is quick. Check anyway.

5. Not professional advice

Financial Brain LLC is not a law firm, not an accounting firm, not a tax preparer, not a credit repair organisation, and not a registered investment adviser. Nothing produced by the software or by us is legal, tax, accounting, investment or financial advice.

Organising your records does not replace your attorney, your CPA, or your adviser. It usually makes their work faster, which is a different claim.

6. What you are responsible for

• Having the right to load the records you load. This includes records that describe other people, such as employees, clients and family members.
• Complying with the law that applies to those records in your jurisdiction.
• Deciding who may reach the installed system. Access is currently a single level: anyone who can ask it questions can reach anything it has read. We say this plainly before install, and it remains true until per-person limits ship.
• Keeping your own backups of anything you cannot afford to lose.

7. What we do not do

• We do not sell your data. There is no advertising model here and there will not be.
• The software sends us no telemetry, no analytics, no crash reports and no usage pings.
• After handoff we hold no copy of your documents, your search index, your database or your keys. What we retain is described in your Install Agreement and the Data Protection and Subprocessor Statement issued with it.

8. Third-party services

When you connect a service such as Google or a bank or an accounting system, that service is reached with credentials you authorise, under that provider’s terms. You can revoke any connection at any time. See Disconnect a service.

9. Warranty

The software is provided as is, without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that it will be uninterrupted, error free, or that every answer will be accurate.

This does not affect any separate guarantee written into a signed Install Agreement, which stands on its own terms.

10. Limitation of liability

To the fullest extent the law allows, Financial Brain LLC is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue, or lost or corrupted data, arising from your use of the software.

Our total liability arising out of or relating to these terms is limited to the amount you paid Financial Brain LLC in the twelve months before the claim arose.

Some jurisdictions do not allow some of these exclusions. Where that is the case, they do not apply to you and the rest of this section still does.

11. Ending it

You can stop using the software at any time, and delete the installation from your own cloud account whenever you choose. Because the software does not check in with us, we have no technical ability to switch off a running installation and no intention of acquiring one.

12. Governing law

These terms are governed by the laws of the State of Arizona, without regard to its conflict of laws rules. The courts located in Maricopa County, Arizona have exclusive jurisdiction, except where your local consumer law gives you the right to bring a claim elsewhere.

13. Changes

We may update these terms. The date at the top changes when we do. If a change materially reduces your rights and you have a signed Install Agreement, we will tell you directly rather than relying on you noticing this page.

14. Contact

Financial Brain LLC. james@financialbrain.ai.