Terms of Service

These terms govern your use of TradeFinanceAI. They are written to be read, not to be skimmed past: the two clauses that matter most to you are the limits on what the AI's output can be relied upon for (clause 04) and how billing and cancellation work (clauses 06 and 07).

01The agreement

This is an agreement between you — or the company you are entering it on behalf of — and Trade Finance AI. By creating an account you confirm you have the authority to accept these terms for that company.

02What the service is

TradeFinanceAI is analytical software for trade finance professionals. It applies published international standards and practice — UCP 600, ISBP 821, URDG 758, ISP98, URR 725, Incoterms 2020, SWIFT message standards and AML practice — to the questions and documents you submit, and returns an analysis.

03What the service is not

04The AI output, and what you must do with it

The analysis is produced by an artificial intelligence system. It is a professional aid, not a determination. It can be incomplete, can be out of date with respect to a recent amendment or opinion, and can be wrong. You remain the examiner. Before you act on anything the platform tells you — refusing documents, sending a discrepancy notice, releasing payment, approving a counterparty — you must verify it against the governing instrument, the applicable rules and, where the amount or the risk warrants it, qualified professional advice. Full detail is in the AI Disclaimer, which forms part of these terms.

05Your account

• Your credentials are yours alone. Accounts are per named individual and must not be shared.
• You are responsible for what is done through your account. The platform gives you the tools to supervise it — Active Sessions, recognised devices, sign-in history and multi-factor authentication — and we recommend enabling multi-factor authentication.
• Tell us promptly if you believe your account has been accessed by someone else. You can end every other session yourself, immediately, from Settings.
• Give us accurate account and billing information, and keep it current.

06Plans, fees and renewal

• Paid subscriptions are billed in advance through PayPal, on the cycle shown at checkout, and renew automatically until cancelled.
• Fees are stated exclusive of tax unless the invoice says otherwise; any applicable tax is added and shown on the invoice.
• An invoice is issued for every payment and is available in your account, along with a receipt once the payment is captured. The figures shown in your account, on the invoice, on the PDF and on the receipt are generated from one authoritative record and will always agree.
• We may change prices for future billing periods with reasonable notice. A price change never applies retroactively to a period you have already paid for.

07Cancellation and refunds

You may cancel at any time from your account. Cancellation stops the next renewal; your access continues to the end of the period you have already paid for, and we do not pro-rate a partial period. Where a statutory right of withdrawal applies to you, it is unaffected by this clause. If a payment fails we will retry and notify you; if it remains unpaid the subscription is suspended and access is limited to the free tier.

08Acceptable use

You must not: attempt to breach or probe the platform's security or authorisation controls, or access another customer's data; scrape, resell or redistribute the analysis as a competing service; submit data you have no right to submit; use the platform to break the law or to evade sanctions; or interfere with its availability for others. We apply rate limits and abuse controls, and we may suspend an account that is materially breaching this clause.

09Intellectual property

The platform, its interface, its knowledge base and its underlying methods remain ours. Your documents, your questions and the analyses generated for you remain yours; you grant us only the licence needed to process them in order to provide the service and to maintain your history. The published rules the platform reasons about — UCP 600, ISBP 821 and the rest — are the property of their respective publishers, principally the International Chamber of Commerce.

10Availability

We work to keep the platform available and publish live component health internally, but the service is provided without an uptime warranty unless a separate written agreement says otherwise. Planned maintenance is kept short and, where practical, notified in advance.

11Warranties and liability

The service is provided "as is". To the fullest extent the law allows, we exclude implied warranties of merchantability, fitness for a particular purpose and non-infringement, and we are not liable for indirect, incidental, special or consequential loss, or for lost profit, lost revenue or lost business — including any loss arising from a decision you took in reliance on the platform's output. Our total liability for any claim is limited to the fees you paid us in the twelve months before the claim arose. Nothing here excludes liability that cannot lawfully be excluded, including for fraud or for death or personal injury caused by negligence.

12Indemnity

You will indemnify us against claims arising from your use of the platform in breach of these terms, or from data you submitted that you had no right to submit.

13Suspension and termination

You may close your account at any time. We may suspend or terminate an account for material breach of these terms, for non-payment, or where required by law — with notice, except where an immediate suspension is needed to protect the platform or other customers. On termination your right to use the service ends; the data consequences are set out in the Privacy Policy and the Data Retention Policy.

14Changes to these terms

These terms are versioned, and the version you accepted is recorded against your account. We will ask you to accept a new version before you continue using the platform where a change materially affects your rights or obligations.

15General

If a provision is held unenforceable the rest continues in force. A failure to enforce a provision is not a waiver of it. You may not assign this agreement without our consent; we may assign it as part of a merger or sale of the business. These terms, together with the Privacy Policy, the AI Disclaimer and the Cookie Policy, are the entire agreement between us on their subject matter.