Terms of Service

Welcome to FintastIQ. These Terms of Service (“Terms”) govern your access to and use of all services provided by FintastIQ LLC, a Nevada limited liability company, through any website, platform, application, or service operated under the fintastiq.com domain and its subdomains (collectively, the “Services”). This includes, without limitation:

• www.fintastiq.com (corporate website)
• assess.fintastiq.com (self-serve capability assessment)
• diagnose.fintastiq.com (engagement-level commercial diagnostics)
• learn.fintastiq.com (FintastIQ Academy — online learning platform)
• seek.fintastiq.com (Signal Seek — competitive intelligence and market signal monitoring)
• All integrated software modules for pricing, sales, marketing, and product analytics
• Any future property hosted on fintastiq.com or its subdomains

By accessing or using any of our Services, you agree to be bound by these Terms. If you're entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity. If you don't agree, you must not use the Services.

Consulting engagements are governed by separate Statements of Work (“SOW”), engagement letters, or consulting agreements. In the event of a conflict between these Terms and a signed engagement agreement, the engagement agreement governs for that specific engagement.

1. Account Registration and Authentication

Access to FintastIQ platforms requires account creation through Google Cloud Identity or Microsoft Entra ID. A single account provides unified access across all FintastIQ properties through single sign-on (SSO).

By creating an account, you agree to:

• Provide accurate and complete registration information
• Maintain the confidentiality of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately at legal@fintastiq.com of any unauthorized use

We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe are being used fraudulently.

2. Description of Services

2.1 Capability Assessment (assess.fintastiq.com). The self-serve assessment platform provides diagnostic evaluations across four commercial capability areas: pricing, sales, marketing, and product. Assessment results may incorporate AI-assisted scoring and analysis. Results are intended as directional guidance and don't constitute professional advice for any specific business decision.

2.2 Commercial Diagnostics (diagnose.fintastiq.com). The diagnostics platform provides deeper, engagement-level analysis of commercial capabilities. Data submitted is subject to the confidentiality protections described in Section 7 and any additional protections specified in the applicable Statement of Work or engagement agreement.

2.3 FintastIQ Academy (learn.fintastiq.com). The Academy provides online courses, frameworks, and tools. The first module of each course is available free of charge, indefinitely. Full course access requires a paid subscription, which includes a 7-day free trial period. Completion certificates are issued upon successful completion of applicable requirements.

2.4 Signal Seek (seek.fintastiq.com). Signal Seek provides competitive intelligence and market monitoring capabilities. Market data is aggregated from third-party sources. FintastIQ doesn't control and makes no warranties regarding the accuracy, completeness, timeliness, or reliability of third-party data. Signal Seek data is provided for informational purposes only and doesn't constitute investment advice.

2.5 Software Products. FintastIQ offers integrated software modules for pricing, sales, marketing, and product analytics, accessible through a single account. Features and service levels may vary by subscription tier.

2.6 Consulting Services. Consulting engagements are defined in separate Statements of Work. These Terms provide the general framework; the signed engagement agreement controls for engagement-specific matters.

3. Subscription, Payment, and Refunds

3.1 Pricing and Billing. Fees are displayed on the applicable platform. All fees are in U.S. dollars unless otherwise specified. Payments are processed by Stripe.

3.2 Free Trials. Paid Academy plans include a 7-day free trial. If you don't cancel before the trial expires, your subscription automatically converts to a paid plan and your payment method is charged.

3.3 Refund Policy. All purchases of Academy courses and software products are non-refundable. Access to digital content and platform functionality is provided immediately upon purchase or trial conversion. You may cancel at any time to prevent future charges, but no partial or prorated refunds are provided for the current billing period.

3.4 Consulting Payment Terms. Consulting invoices are due within thirty (30) days unless otherwise specified in the engagement agreement. Late payments accrue interest at 1.5% per month. FintastIQ may suspend Services for balances exceeding sixty (60) days past due.

4. Acceptable Use

You agree to use the Services only for lawful purposes. You agree not to:

• Use the Services in any manner that could damage, disable, or impair their functionality
• Attempt to gain unauthorized access to any FintastIQ systems, networks, or data
• Use automated tools, bots, or scraping technologies to extract content or data without written consent
• Reverse engineer, decompile, or disassemble any software or technology underlying the Services
• Use the Services to develop a competing product or service
• Redistribute, resell, or sublicense course materials or Signal Seek data to third parties
• Share account credentials or allow unauthorized third parties to access your account

5. Intellectual Property: FintastIQ

All content on FintastIQ platforms, including text, graphics, logos, images, course materials, frameworks, methodologies, tools, templates, assessment instruments, diagnostic models, software code, algorithms, and reports, is the property of FintastIQ LLC or its licensors and is protected by copyright, trademark, and other intellectual property laws. FintastIQ retains ownership of all proprietary methodologies and pre-existing intellectual property.

6. Intellectual Property: Users

6.1 User-Created Content. You retain ownership of all content, models, reports, dashboards, and outputs you create using our software products. By using the Services, you grant FintastIQ a limited, non-exclusive license to host, display, and process your content solely for the purpose of delivering the Services.

6.2 Anonymized Data. FintastIQ will only use anonymized and aggregated data for benchmarking, product improvement, or thought leadership if you have provided explicit opt-in consent.

6.3 Academy Content. Course materials are licensed for your personal and internal business use only. You may not reproduce, distribute, resell, or create derivative works from Academy content without written consent. Completion certificates are non-transferable.

6.4 Consulting Deliverables. Unless otherwise specified in a signed engagement agreement, consulting deliverables are licensed to the client for internal business use upon full payment. FintastIQ retains the right to use anonymized methodologies and general insights for its own business purposes.

7. Confidentiality

Both parties acknowledge they may receive confidential information in the course of using the Services or an engagement. Each party agrees to treat confidential information with no less than reasonable care, use it solely for the purposes of the Services or engagement, and not disclose it to third parties without written consent, except as required by law.

7.1 Enhanced Protections for Engagement Data. Data submitted through diagnose.fintastiq.com or provided in connection with a consulting engagement is subject to restricted access, stored on Microsoft 365 (including SharePoint) with access controls and audit logging, not commingled with other client data, and deleted or returned upon engagement completion per the engagement agreement. Confidentiality obligations survive for two (2) years after termination.

7.2 Breach Notification. In the event that FintastIQ becomes aware of a security breach affecting your confidential information, we will notify you via email without undue delay and no later than 72 hours after becoming aware of the breach. Notification will include a description of the nature of the breach and the measures taken or proposed to address it.

8. Artificial Intelligence

FintastIQ uses AI products from Anthropic and OpenAI to power certain features. By using the Services, you acknowledge that assessment scoring, diagnostic analysis, content generation, and insights features are AI-assisted. AI-generated outputs are directional guidance, not definitive professional advice. Your data may be processed by these providers’ systems per our Privacy Policy. Personal data isn't used for training third-party AI models. Human review is applied to AI-assisted decisions with material user impact.

9. Disclaimers and Limitation of Liability

9.1 General Disclaimer. The Services are provided “as is” and “as available” without warranties of any kind. FintastIQ disclaims all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

9.2 Advisory Nature. Assessment results, diagnostic outputs, Academy content, and Signal Seek data are advisory and informational. They don't constitute professional consulting, investment, or business advice unless provided under a signed engagement agreement. You're responsible for all implementation decisions.

9.3 Signal Seek Data Disclaimer. FintastIQ expressly disclaims liability for any losses, damages, or adverse outcomes resulting from reliance on Signal Seek data. Users should independently verify all information before taking action based on market intelligence.

9.4 No Guaranteed Outcomes. FintastIQ doesn't guarantee specific business outcomes, revenue results, or financial performance. Historical metrics cited in marketing materials reflect past client outcomes and aren't guarantees of future results.

9.5 Limitation of Liability. To the fullest extent permitted by law, FintastIQ’s total aggregate liability for any claims arising from the Services will not exceed the fees paid by you during the twelve (12) months preceding the event giving rise to the claim. FintastIQ won't be liable for indirect, incidental, special, consequential, or punitive damages.

10. Indemnification

You agree to indemnify, defend, and hold harmless FintastIQ LLC, its officers, directors, employees, agents, and affiliates from claims, liabilities, damages, losses, and expenses arising from your violation of these Terms, your unauthorized use of the Services, your infringement of third-party rights, or any content you create or distribute through the Services that violates applicable law.

11. Term and Termination

These Terms remain in effect for as long as you access any FintastIQ Service or maintain an active account. You may stop using the Services and request account deletion at legal@fintastiq.com. We may suspend or terminate access at any time for Terms violations, harmful conduct, or outstanding balances exceeding sixty (60) days. Upon termination, access ceases immediately. We retain data for 30 days to allow export requests, then delete personal data per our Privacy Policy. Provisions for intellectual property, confidentiality, limitation of liability, indemnification, and governing law survive termination.

12. Enterprise Data Processing

Enterprise clients may request a separate Data Processing Agreement (DPA) governing the processing of personal data in connection with consulting engagements or platform usage. DPA requests should be directed to legal@fintastiq.com.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Illinois, without regard to conflict of laws principles. Disputes will first be submitted to good-faith negotiation for thirty (30) days. Unresolved disputes may be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, conducted in Chicago, Illinois. Either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property or confidential information.

14. Modifications

FintastIQ may modify these Terms at any time. Material changes will be reflected by updating the “Last Updated” date and notifying users via email or platform notification. Continued use after modification constitutes acceptance. We will provide at least thirty (30) days’ advance notice of material adverse changes.

15. General Provisions

15.1 Entire Agreement. These Terms, our Privacy Policy, and any applicable engagement agreements constitute the entire agreement. Signed engagement agreements control in case of conflict.

15.2 Severability. If any provision is held invalid, the remaining provisions continue in effect.

15.3 Waiver. Failure to enforce any right isn't a waiver. Waivers must be in writing.

15.4 Assignment. You may not assign without written consent. FintastIQ may assign without restriction in connection with a merger, acquisition, or asset sale.

15.5 Force Majeure. FintastIQ isn't liable for delays caused by events beyond reasonable control, including natural disasters, pandemics, government actions, cyber attacks, or utility interruptions.

16. Contact Information