1. Scope and acceptance
These proposed terms would govern access to Fain’s financial decision-support software, public content, account features, paid trial, and subscription services. A production version must identify the contracting Fain legal entity, its address, the customer’s agreement mechanism, and the effective date.
2. What Fain provides
Fain helps supported business users examine cash, operating burn, runway, material period changes, and confirmed affordability scenarios. Fain is an additional quantitative lens. It is not an accountant, bookkeeper, fiduciary, investment adviser, lender, tax preparer, attorney, or regulated financial adviser.
Customers remain responsible for source data, classifications, confirmed balances, scenario inputs, decisions, records, filings, payments, and professional advice.
3. Accounts and permitted use
Users must provide accurate account information, protect credentials, use Fain only for lawful business purposes, and notify Fain of suspected unauthorized access. Users may not probe security controls, bypass allowances, interfere with service operation, submit third-party data without authority, or use outputs to misrepresent certainty.
4. Browser-local financial records
Raw imported financial records and conversation history are designed to remain in browser storage. Customers are responsible for device access, browser profiles, and exports. Clearing browser data, resetting the product, changing browsers, or losing a device can remove local records.
5. Trial and subscription
The proposed self-serve offer requires a payment method. A 14-day trial begins after successful Stripe Checkout. Checkout must disclose the selected plan, monthly amount, exact first charge date, and cancellation path. Unless canceled before the disclosed date, the subscription renews monthly at the displayed price plus applicable taxes.
Starter includes 50 completed Ask answers per monthly period. Growth includes 200. Only completed answers that can be rated for usefulness count; refusals, validation failures, and narration-provider failures do not. Custom terms are agreed separately.
6. Cancellation, failed payment, and access
Cancellation preserves access through the current trial or paid period. A failed renewal may receive a three-day grace period. Expired, canceled, unpaid, or unresolved past-due accounts may become read-only while export, reset, and billing reactivation remain available.
7. Refunds
The proposed refund terms appear in the separate Refund Policy. They include manual review of requests made within seven calendar days of the first post-trial charge. Later charges are proposed as non-refundable except where law requires otherwise.
8. Service changes and availability
Fain may improve, limit, suspend, or discontinue features and may use deterministic fallback wording when a narration provider is unavailable. No uptime or response-time service level is promised for self-serve plans. Material changes to paid terms should be communicated as required by law.
9. Intellectual property and feedback
Customers retain rights in data they lawfully provide. Fain retains rights in the product, content, software, designs, and documentation. A final clause must define the license needed to provide the service and how voluntarily submitted feedback may be used.
10. Disclaimers, liability, disputes, and governing law
Qualified US counsel must draft the enforceable warranty disclaimers, liability limits, indemnity terms, dispute process, governing law, venue, consumer and state-specific provisions, and any arbitration or class-action terms. These subjects are intentionally not finalized in this review draft.
11. Contact
The production terms must name the legal and support contact addresses before billing is enabled.