Finz Group, Inc. Terms and Conditions

Effective Date: April 01, 2025

Welcome to Finz Group, Inc. (“Finz,” “we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern the access and use by business entities (“Businesses,” “you,” or “your”) of our websites, mobile applications, and financial technology services, specifically including the AI CFO platform, business credit card products, and lending solutions (collectively, the “Services”). By accessing or using our Services, you expressly agree, on behalf of your business entity, to be legally bound by these Terms.

1. Important Disclosures

Finz is a financial technology company and not a bank. The Finz business credit card and related payment services are provided by our partner banks, Members FDIC. Lending products offered directly by Finz are subject to credit approval and internal underwriting criteria.

2. Eligibility and Business Account Registration

You must be an authorized representative of a business entity, duly organized, validly existing, and in good standing under applicable U.S. law, to utilize our Services. Businesses must accurately register an account and maintain current and complete business information. Your business is responsible for safeguarding account credentials and all activities conducted through your business account.

3. Description of Services

Finz offers advanced financial technology solutions specifically tailored for business entities. Our Services include:

  • AI CFO: An artificial intelligence-driven analytics and financial management platform designed to automate and enhance business cash flow management.
  • Credit Cards: Business credit card products issued through our banking partners.
  • Lending Solutions: Direct lending services provided by Finz, tailored to meet business-specific financial requirements, subject to credit approval.

4. Use of Services and Prohibited Activities

Businesses agree to:

  • Utilize the Services strictly for legitimate business purposes and comply with all applicable laws and regulations.
  • Ensure that all account usage complies with these Terms and any other agreements entered into with Finz.

You are expressly prohibited from engaging in activities including, but not limited to:

  • Using Services for unlawful or fraudulent business purposes.
  • Violating intellectual property rights of Finz or third parties.
  • Submitting false or misleading business information.
  • Engaging in activities that disrupt, interfere with, or compromise the security of Finz’s systems or Services.

Violation of these prohibitions may result in immediate termination of your access to our Services.

5. Financial Products and Services

Finz business credit cards are issued by FDIC-member banks and are subject to the issuing bank’s credit approval processes. Lending products are directly issued by Finz and are exclusively available to qualifying business entities. Approval is contingent upon thorough review of your business’s financial health, creditworthiness, and compliance with Finz’s lending criteria. All financial terms, including interest rates, fees, credit limits, and repayment schedules, will be explicitly detailed during the approval process and in the respective lending or card agreements.

6. Business Obligations

Your business agrees to:

  • Provide accurate, truthful, and complete information necessary for account setup and financial assessments.
  • Timely update any changes in business information or financial conditions.
  • Promptly review and notify Finz of discrepancies in account statements or unauthorized activities.

7. Data Management, Backups, and Data Loss

Finz assumes no responsibility for any loss, corruption, or damage of data maintained by your business within the Services. Your business is solely responsible for the regular backup and maintenance of your data. Finz makes no guarantee regarding data restoration or recovery from backups.

8. Intellectual Property Rights

All proprietary rights related to our Services, including but not limited to software, design, trademarks, and logos, are exclusively owned by Finz. Unauthorized use, reproduction, distribution, or creation of derivative works based on Finz’s intellectual property is strictly prohibited.

9. Termination of Access

Finz reserves the right to suspend or terminate your business’s access to Services, with or without cause, including breaches of these Terms or suspicion of fraudulent activities. Upon termination, your business’s right to access or use our Services will cease immediately.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Finz and its affiliates shall not be liable to your business for any indirect, incidental, special, consequential, or punitive damages arising from your use of our Services, even if advised of the possibility of such damages.

11. Indemnification

Your business agrees to indemnify, defend, and hold harmless Finz, its affiliates, directors, officers, employees, and agents from all claims, liabilities, damages, costs, or expenses resulting from misuse of Services, violations of these Terms, or infringement of third-party intellectual property rights.

12. Governing Law and Arbitration

These Terms are governed by the laws of the State of Delaware, without reference to conflicts of law principles. Disputes arising under or related to these Terms will be resolved exclusively through binding arbitration under the rules of the American Arbitration Association, with arbitration held in Delaware.

13. Modifications of Terms

Finz reserves the right to update these Terms periodically. Significant changes will be communicated through email notifications or prominent website notices. Continued use of Services after changes indicates your acceptance of the revised Terms.

14. Severability

Should any provision of these Terms be deemed invalid or unenforceable, the remainder of the provisions shall remain fully enforceable.

15. Entire Agreement

These Terms constitute the entire agreement between your business and Finz regarding the Services and supersede prior understandings or agreements related to these Services.

16. Acceptance of Terms

By accessing and using the Services, your business explicitly acknowledges and agrees to these Terms.

17. Contact Information

For any questions or concerns regarding these Terms, please contact:

Last updated: April 01, 2025