Terms of Use
These Terms of Use govern access to Finsider's public websites, publications, and any services for which these Terms are expressly incorporated. They explain the distinction between informational content, software-assisted financial work, and separately scoped professional engagements. Finsider means the service provider identified in the applicable order form or engagement agreement. You means the person using the relevant service and, where authorized, the organization on whose behalf that person acts.
1. Scope, acceptance, and contract priority
A purchase, subscription, professional engagement, data-processing arrangement, or implementation project may be governed by a separate written agreement. In the event of a conflict, the specifically applicable executed agreement governs its subject matter, subject to mandatory law. These Terms do not silently expand a signed scope, change a negotiated fee, or replace an agreed confidentiality obligation.
Where acceptance is required to use a service, it must be obtained through the relevant contract or acceptance process. Merely placing a link in a website footer is not a representation that every visitor has entered a professional engagement or agreed to every optional commercial term. If you are not authorized to act for an organization, do not accept terms or submit its records on its behalf.
2. Eligibility and authority
Services are intended for users legally capable of entering the applicable agreement and for authorized business or professional purposes. You are responsible for ensuring that access and use are permitted in your jurisdiction and by your organization's policies. You must have authority to share records, authorize processing, invite collaborators, and instruct work within the scope assigned to you.
An administrator's ability to provision a user does not establish that every uploaded record may lawfully be disclosed. Obtain necessary permissions and satisfy relevant confidentiality, employment, contractual, privacy, and professional obligations before providing information to a service.
3. Accounts and access credentials
Provide accurate account information and keep it reasonably current. Protect credentials and authentication factors, use only accounts you are authorized to access, and promptly report suspected compromise through the appropriate support channel. Access may be mediated by an external identity provider; its applicable authentication terms and technical requirements may also apply.
Organization administrators are responsible for appropriate membership and role assignments, reviewing access when responsibilities change, and removing access when no longer needed. Do not share credentials, impersonate another user, or bypass permission boundaries. Activity should be performed through authorized identities so that review and accountability records remain meaningful.
4. Products and professional engagements
Addback supports an initial financial screen within the capabilities and limitations described for that product. Platform supports authorized preparation, analysis, collaboration, review, and output workflows. Advisory and forward-deployed implementation services require an agreed scope identifying the relevant responsibilities, assumptions, deliverables, and acceptance criteria.
A website description is not an engagement letter. CPA review or sign-off applies only where included in the applicable professional engagement and completed by the responsible professional. Software access, a screening report, or an AI-generated narrative does not by itself create an audit, review engagement, assurance opinion, fiduciary relationship, investment mandate, or tax or legal advisory relationship.
5. Customer records and permitted processing
As between you and Finsider, you retain your rights in records you lawfully provide, subject to third-party rights and your applicable agreement. You authorize processing reasonably necessary to provide the requested service within the documented scope, including storage, organization, transformation, analysis, and delivery to authorized users or providers. This limited authorization is not a transfer of ownership or an unrestricted public-publication license.
You are responsible for the lawfulness, relevance, accuracy, completeness, and permitted disclosure of submitted materials. Preserve source records where required and identify restrictions that affect processing before upload. Do not submit information outside the agreed scope or data subject to restrictions the service has not been approved to meet. Product-specific data-processing and confidentiality terms govern their respective subject matter.
6. AI outputs and limitations
AI models and agents can produce inaccurate statements, incomplete mappings, unsupported inferences, duplicated items, omitted records, and inconsistent results. Deterministic calculations can also be wrong when inputs, assumptions, or mappings are wrong. Output quality depends on the materials and context available to the workflow; a polished presentation is not evidence of correctness.
Candidate adjustments remain candidates until appropriately assessed. Missing evidence should not be treated as evidence that a risk does not exist. You must evaluate relevant source records, assumptions, calculations, period coverage, and unresolved questions before relying on a result. Do not use an automated output as the sole basis for a material financial, legal, employment, lending, investment, or transaction decision.
7. Professional judgment and transaction decisions
Your organization and its appointed advisers remain responsible for decisions, approvals, representations to counterparties, and the adequacy of the engagement scope. A reviewer must be qualified for the relevant work and have access to sufficient evidence. You should not imply that Finsider or a CPA approved a conclusion when approval was not actually provided within the engagement.
Forecasts, valuations, sensitivity cases, adjusted earnings, and other analytical outputs involve assumptions and uncertainty. They are not guarantees of future performance, financing, deal completion, price, savings, or a particular diligence outcome. Published examples and implementation targets are illustrative unless expressly identified as substantiated results with a defined methodology.
8. Acceptable use
Do not use the services unlawfully; infringe intellectual property or confidentiality rights; distribute malicious code; attempt unauthorized access; evade access restrictions, rate limits, or billing controls; interfere with other users; conceal abusive activity; or use the service to facilitate fraud, deception, or unlawful discrimination. Do not intentionally introduce source material or instructions intended to exfiltrate information or override another user's permissions.
You must not misrepresent generated content as independently verified, remove material limitations from a report in a misleading way, or use Finsider's name to suggest an endorsement that does not exist. Security research or testing that could affect a live system requires appropriate authorization. These restrictions do not limit activities that applicable law expressly protects and does not permit a contract to prohibit.
9. Intellectual property and publications
Finsider and its licensors retain rights in their software, interfaces, branding, documentation, and original website content, subject to applicable licenses and third-party rights. Access permits use only within the applicable terms; it does not grant ownership of underlying technology. Third-party names and marks remain the property of their owners and do not establish sponsorship, client status, certification, or endorsement.
Research notes, guides, benchmarks, diagrams, and downloadable publications are informational materials. Their stated datasets, dates, methodologies, and limitations matter. Do not detach a result from its qualification or imply that a methodological proposal is a completed empirical study. Any license supplied with a downloadable artifact governs that artifact; absent an express license, no broad redistribution or commercial exploitation right is granted by these Terms.
10. Deliverables, exports, and collaboration
The applicable agreement determines the format, permitted reliance, ownership or license, recipients, and intended use of professional deliverables. Software exports may reflect a workspace's current state, including unresolved questions or unapproved adjustments. An export does not automatically mean a reviewer has approved it or that all underlying records were included.
Before providing outputs to a third party, confirm confidentiality, disclosure permissions, intended use, and any reliance restrictions. Organization administrators should manage collaborator access and ensure that shared records are appropriate for the recipient. Preserve material assumptions, citations, qualifications, and approval status when communicating analytical findings.
11. Fees, scope changes, and third-party costs
Fees, payment timing, taxes, usage allowances, renewal arrangements, cancellation rights, and refund rules are those stated in the applicable accepted order or agreement. These Terms do not create an undisclosed automatic renewal or a universal no-refund rule. Any nonwaivable statutory rights remain applicable.
Additional work, expanded source coverage, new integrations, altered deliverables, and changes in transaction scope may require written agreement and additional charges. Third-party subscriptions or infrastructure costs are included only where expressly agreed. A free initial screen does not mean that every later analysis, professional engagement, or software feature is free.
12. Availability, changes, and external services
Services may require maintenance and may be affected by infrastructure, identity providers, model providers, integrations, or network conditions outside Finsider's direct control. Service levels, support commitments, recovery targets, or dedicated infrastructure obligations exist only where specified in the applicable agreement. Do not assume uninterrupted availability or that every historical feature will remain unchanged indefinitely.
External links and independently obtained integrations are provided for convenience and remain subject to their own terms. Finsider does not control a third party merely because its service is linked or interoperable. Material changes to a contracted service must be handled consistently with the governing agreement and applicable law.
13. Confidentiality and security responsibilities
Confidential customer materials should be handled in accordance with the applicable confidentiality and data-processing terms. The parties should identify authorized recipients, processing restrictions, and required safeguards before sensitive data is provided. A publicly accessible website should not be treated as a secure channel for unsolicited confidential deal materials.
You must use appropriate account protection and exercise care when downloading, sharing, or storing outputs outside the service. Security documentation and audit evidence must be assessed for their actual scope and dates. No reference to a control framework creates a guarantee that a security incident is impossible or that every deployment satisfies every regulatory requirement.
14. Suspension and termination
Access may need to be restricted where reasonably necessary to address a credible security risk, unlawful use, material contractual breach, or a binding legal obligation, subject to the applicable agreement and law. Where practicable and appropriate, the relevant issue should be communicated and an opportunity to address it provided. Emergency action may be necessary where delay would create material harm.
On termination, export rights, transition assistance, retention, deletion, outstanding fees, and continuing confidentiality obligations are determined by the governing agreement and applicable requirements. Termination does not promise immediate deletion of every backup or erase a lawful record-retention duty. Arrange necessary exports and transition requirements before the agreed access period ends.
15. Website warranties and disclaimers
Except as expressly promised in an applicable agreement or required by nonwaivable law, public website content and informational materials are provided as available without a warranty that they are complete, current, error-free, or suitable for a particular transaction. Website statements are not a substitute for reviewing the relevant source, obtaining appropriate professional advice, or agreeing a service scope.
Nothing in these Terms excludes an express contractual warranty, a statutory guarantee that cannot be excluded, or responsibility that applicable law does not permit a party to disclaim. A disclaimer concerning public information does not excuse a failure to perform a separately contracted professional obligation.
16. Liability and allocation of risk
Any negotiated limitations of liability, exclusions, indemnities, insurance requirements, or remedies are governed by the applicable executed agreement. These Terms do not invent a liability cap for an engagement that has not agreed one. To the extent permitted by applicable law, Finsider is not responsible merely because a visitor independently treats general website content as transaction-specific advice or a guarantee of results.
No provision is intended to exclude liability for fraud, willful misconduct, or other conduct where exclusion is prohibited, or to deprive a person of nonwaivable rights. Questions about liability must be evaluated under the actual agreement, relevant facts, and applicable law rather than the appearance or placement of fine-print text.
17. Disputes, governing law, and notices
The governing law and forum specified in an applicable executed agreement govern disputes within that agreement's scope, subject to mandatory legal protections. Where no such agreement applies, governing law and jurisdiction are determined under applicable law. These website Terms do not impose an undisclosed arbitration obligation or class-action waiver.
For a service concern or legal notice, use the notice channel designated in your agreement. For a website matter without an agreement, use Finsider's website contact channel and clearly identify the nature of the communication. A general website inquiry does not replace a legally required method of service or an agreed formal-notice procedure.
18. General provisions and amendments
A failure to enforce a provision in a particular instance does not automatically waive it. If a provision is unenforceable, the remaining provisions apply to the extent permitted by law, without rewriting the essential commercial bargain. Rights of assignment, amendment, subcontracting, and third-party enforcement under an executed agreement remain governed by that agreement.
Updates to these Terms should identify their revision date. Material changes requiring acceptance or notice must follow the applicable agreement and law; a new webpage does not automatically amend an existing signed engagement. Obligations that by their nature or express terms continue after access ends, including applicable confidentiality and intellectual-property restrictions, survive to the extent lawfully applicable.