Terms & Conditions

Effective: 1 May 2026 · Operator: Cognitive Products Labs Pvt. Ltd.

These Terms & Conditions ("Terms") govern your access to and use of fingine.ai (the "Service"), a software product provided by Cognitive Products Labs Pvt. Ltd., an Indian private limited company ("Company", "we", "us", "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Parties & the agreement

These Terms form a binding agreement between you ("you", "User") and Cognitive Products Labs Pvt. Ltd., the operator of fingine.ai. They are an electronic record under the Information Technology Act, 2000 and do not require a physical or digital signature.

2. Eligibility

You must be at least 18 years old and have the legal capacity to enter into a binding contract under the Indian Contract Act, 1872. If you use the Service on behalf of a company, partnership, or other entity, you represent that you have authority to bind that entity to these Terms; "you" then refers to that entity.

3. Your account

• You may sign in via Google. We do not handle your password directly.
• You are responsible for the security of the email account associated with your sign-in.
• You must provide accurate information about your business or personal finances if you choose to share it. We do not verify your inputs.
• One natural person, one account. Sharing credentials is not permitted.
• You may delete your account at any time from Settings; that deletion is irreversible.

4. Acceptable use

You agree NOT to:

• Use the Service to model someone else's data without their knowledge or consent.
• Bypass or attempt to bypass usage limits, rate limits, or the org-level cost ceiling.
• Reverse-engineer, decompile, scrape, or extract the underlying engine, prompts, or model weights.
• Use the Service's outputs to train, fine-tune, or build a competing financial AI product.
• Use the Service for unlawful purposes, including (but not limited to) money laundering, tax evasion, fraud, or violation of sanctions.
• Submit content that is defamatory, obscene, or that infringes third-party rights.
• Probe, scan, or test the vulnerability of any system or network used to deliver the Service except under a written security-research agreement with us.
• Resell or sublicense the Service without our prior written permission.

5. Beta status & service availability

fingine.ai is currently a closed-beta product. Features are added and removed during this phase. Outputs may be incorrect; the AI agent occasionally produces unexpected results. There is no service-level agreement (SLA) or uptime guarantee during beta. We may modify, suspend, or discontinue the Service or any feature, in whole or in part, at any time without notice or liability to you.

6. No financial, tax, or legal advice

7. Disclaimer of warranties

The Service is provided "as is" and "as available", without warranty of any kind, express or implied. To the maximum extent permitted by law, we disclaim all warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, reliability, and uninterrupted operation. We do not warrant that the Service will meet your requirements, that errors will be corrected, or that the outputs will be free of inaccuracies.

8. Limitation of liability

To the maximum extent permitted by law, in no event shall Cognitive Products Labs Pvt. Ltd., its directors, employees, contractors, or affiliates be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages — including loss of profits, revenue, data, goodwill, or business opportunity — arising out of or in connection with your use of (or inability to use) the Service, even if advised of the possibility of such damages.

Our aggregate liability for all claims arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total fees you paid us in the twelve months preceding the event giving rise to the claim, or (b) ₹10,000. During the closed beta, fees paid by users are typically zero.

9. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its directors, employees, and affiliates from and against any claims, damages, liabilities, costs, or expenses (including reasonable attorney's fees) arising out of or related to: (a) your breach of these Terms; (b) your violation of any law or third-party right; (c) content or data you provide to the Service; or (d) use of your account by you or anyone you authorise.

10. Intellectual property

All right, title, and interest in and to the Service — including the source code, prompts, trained heuristics, runway calculator, brand marks, designs, and documentation — is and remains the exclusive property of Cognitive Products Labs Pvt. Ltd. and its licensors. Except for the limited right to use the Service in accordance with these Terms, no licence is granted to you. The Service's name and logo are trademarks of the Company; you may not use them without prior written permission, except for accurate factual references.

11. Your content & licence

You retain ownership of the financial information, transcripts, decisions, and feedback you provide ("User Content"). You grant the Company a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display, and process your User Content solely as necessary to operate, maintain, and improve the Service. We do not use your User Content to train AI models we develop or distribute (see Privacy Policy, Section 12).

You represent and warrant that you own or have the necessary rights to provide your User Content and that doing so does not violate any third-party rights.

12. Fees & pricing

The Service is currently offered free of charge during the closed beta. We reserve the right to introduce paid plans in the future with reasonable notice. If we do, continued use after the effective date of paid plans constitutes acceptance of any applicable fees disclosed at that time. We will not start charging your account silently; pricing changes will require an explicit opt-in.

All fees, when introduced, will be exclusive of applicable taxes (including GST under the Indian Goods and Services Tax Act). Tax invoices will be issued in accordance with applicable law.

13. Privacy

Our handling of your personal data is described in our Privacy Policy, which is incorporated by reference into these Terms. By using the Service you consent to that handling.

14. Third-party services

The Service relies on third parties such as Anthropic (LLM provider), Supabase (database and authentication), Fly.io (hosting), Google (sign-in and analytics), and PostHog (product analytics). Outages, errors, or changes by these providers may affect the Service. We are not liable for damages caused by third-party providers acting outside our reasonable control.

15. Termination

You may terminate this agreement at any time by deleting your account from Settings. We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms, are abusing the Service, or where required by law. Sections that by their nature should survive termination — including IP, indemnification, limitation of liability, and dispute resolution — shall survive.

16. Force majeure

Neither party shall be liable for failure or delay in performance caused by events beyond reasonable control, including (without limitation) acts of God, natural disasters, war, terrorism, pandemic, network or infrastructure outages, government actions, strikes, or shortages of utilities or transportation.

17. Governing law & jurisdiction

These Terms are governed by the laws of India, without regard to its conflict-of-laws rules. Subject to Section 18 (Disputes), the courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any matter arising under or in connection with these Terms.

18. Disputes & arbitration

Before commencing any formal proceeding, the parties shall attempt in good faith to resolve any dispute through written notice and a 30-day discussion period.

If the dispute is not resolved, it shall be referred to and finally resolved by arbitration administered under the Arbitration and Conciliation Act, 1996. The arbitration shall be conducted by a sole arbitrator appointed by mutual agreement; failing agreement, by the procedures set out in the Act. The seat and venue of arbitration shall be Bengaluru, Karnataka. The language shall be English. The award shall be final and binding.

Notwithstanding the above, either party may seek interim or injunctive relief from a competent court to prevent imminent harm or protect intellectual property rights.

19. Changes

We may modify these Terms from time to time. Material changes will be announced via the Service and the "Effective" date above will update. If you do not agree to a change, your sole remedy is to stop using the Service and delete your account. Continued use after the effective date constitutes acceptance.

20. Severability & entire agreement

If any provision of these Terms is held unenforceable, the remaining provisions remain in full force, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent. These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede any prior agreements between us on this subject. No waiver by us is effective unless in writing.

21. Contact

For questions about these Terms, notices, or service-of-process, write to:

• Cognitive Products Labs Pvt. Ltd.
• Attn: Legal — fingine.ai
• Email: hemant@fingine.ai