Terms of Service

1. Acceptance of these Terms

By creating an account, accessing, or using the Service, you confirm that you have read, understood, and agree to these Terms, and that you have the authority to do so on behalf of yourself and, where applicable, the dealership or organization that authorized your access (your “Organization”). If you are using the Service on behalf of an Organization, “you” refers to both you and that Organization, and you represent that you are authorized to bind it to these Terms.

2. The Service

Finance Concepts AI is a retrieval-augmented assistant designed to help F&I professionals at auto dealerships prepare sales-ready pitches, respond to objections, analyze competitor quotes, and answer questions about finance and insurance products. The Service may operate through text and hands-free voice interaction.

The Service is provided as a productivity and training tool only. It does not participate in, and is not a party to, any transaction between a dealership and a customer. We may modify, suspend, or discontinue any part of the Service at any time.

3. Accounts and access

Accounts are provisioned by an administrator; the Service does not offer public self-registration. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to:

• Provide accurate information and keep it current;
• Keep your password secure and not share your account;
• Notify us promptly of any unauthorized use or security breach; and
• Ensure that only authorized individuals within your Organization access the Service.

We reserve the right to suspend or terminate accounts that we reasonably believe are being misused.

4. Acceptable use

You agree not to, and not to permit any third party to:

• Use the Service for any unlawful, deceptive, or fraudulent purpose, or in violation of any applicable lending, insurance, advertising, consumer-protection, or privacy law;
• Present AI-generated output to a customer as a guaranteed quote, rate, term, approval, or binding offer;
• Upload content you do not have the right or authorization to share, including another person’s personal or financial information without a lawful basis;
• Reverse engineer, decompile, scrape, or attempt to extract the underlying models, prompts, or source code;
• Resell, sublicense, or provide the Service to parties outside your authorized Organization;
• Introduce malware, attempt to gain unauthorized access, or interfere with the integrity or performance of the Service;
• Use the Service to generate content that is harassing, discriminatory, defamatory, or otherwise objectionable.

5. AI-generated content

The Service uses third-party artificial-intelligence models to generate responses. AI output may be inaccurate, incomplete, or out of date, and may not reflect current product terms, pricing, or regulatory requirements. You are solely responsible for reviewing, verifying, and approving any output before relying on it or using it with a customer. Our full AI Disclaimer is incorporated into these Terms by reference.

6. Your content and uploads

The Service allows you to submit text, and to upload images and documents such as competitor quotes (“Your Content”). You retain ownership of Your Content. You grant us a limited, non-exclusive license to process Your Content solely to provide and improve the Service, including transmitting it to the third-party processors described in our Privacy Policy.

7. Intellectual property

The Service, including its software, design, interfaces, and all related intellectual property, is owned by Finance Concepts AI LLC or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes.

Certain product knowledge-base materials used by the Service are the property of Finance Concepts and/or its third-party providers and are licensed, not assigned. Nothing in these Terms transfers ownership of those materials to you. You receive no rights other than those expressly granted here.

8. Third-party services

The Service relies on third-party providers for AI processing, hosting, storage, search, and email delivery. Your use of the Service is also subject to those providers’ terms where applicable. We are not responsible for the acts, omissions, or availability of third-party services. A current list of our key sub-processors appears in our Privacy Policy.

9. Fees and billing

Access to the Service may be provided under a separate written agreement or subscription arrangement with your Organization. Where fees apply, they will be described in that agreement or in an order form. Except as required by law or expressly stated, fees are non-refundable.

10. Confidentiality

Each party may have access to the other’s confidential information. Each party agrees to protect the other’s confidential information with at least reasonable care and to use it only as necessary to perform under these Terms. This section does not apply to information that is or becomes public through no fault of the receiving party, or that is independently developed or lawfully obtained.

11. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY AI-GENERATED OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, Finance Concepts AI LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD $100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Indemnification

You agree to indemnify, defend, and hold harmless Finance Concepts AI LLC and its officers, members, and employees from and against any claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) Your Content or uploads; (b) your use of any AI-generated output, including any customer interaction or transaction; (c) your violation of these Terms; or (d) your violation of any applicable law or the rights of any third party.

14. Term and termination

These Terms apply while you have access to the Service. We may suspend or terminate your access at any time for any reason, including violation of these Terms. Upon termination, your right to use the Service ceases. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive.

15. Changes to these Terms

We may update these Terms from time to time. When we do, we will revise the “Last updated” date above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.

16. Governing law and dispute resolution

These Terms are governed by the laws of the State of Washington, without regard to its conflict-of-laws principles.

16.1 Informal resolution first

Before starting an arbitration, the party raising a dispute agrees to first send a written notice describing the dispute and the relief sought to the other party (to us, at legal@financeconcepts.ai) and to allow thirty (30) days to resolve the matter informally.

16.2 Binding arbitration

If the dispute is not resolved within thirty (30) days, any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association (“AAA”) under its applicable rules then in effect, before a single arbitrator. The arbitration will be governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.). Unless the parties agree otherwise, the arbitration will take place in Spokane County, Washington, or, if you are an individual consumer, in your county of residence. The arbitrator has exclusive authority to resolve questions of arbitrability.

16.3 Class-action and jury-trial waiver

You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one party’s claims and may not preside over any class or representative proceeding. You and we waive any right to a jury trial.

16.4 Exceptions

Notwithstanding the above, either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual-property rights. Any claim that is found to be unsuitable for arbitration, and any action to enforce an arbitration award, will be brought exclusively in the state or federal courts located in Spokane County, Washington, and you consent to the jurisdiction of those courts.

16.5 Opt-out

You may opt out of this arbitration agreement by sending written notice to legal@financeconcepts.ai within thirty (30) days of first accepting these Terms, stating your name and that you wish to opt out of arbitration. If you opt out, the court-venue provision in Section 16.4 will govern your disputes, on an individual basis.

16.6 Severability

If the class-action waiver in Section 16.3 is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and brought in the courts identified in Section 16.4, while the remaining claims proceed in arbitration.

17. General

These Terms, together with our Privacy Policy and AI Disclaimer, constitute the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the remaining provisions will remain in effect. Our failure to enforce any right is not a waiver of that right. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

18. Contact

Questions about these Terms can be directed to:
Finance Concepts AI LLC
100 N Howard Street, Suite R
Spokane, WA 99201
legal@financeconcepts.ai