Terms of Service

1. Agreement to Terms

By accessing or using any NeuroFin ("we," "us," or "our") services, (collectively, the "Services"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access our Services.

2. Description of Services

NeuroFin uses behavioral intelligence to transform data so organizations become more human-aware and individuals become more self-aware. Our Services include:

• Custom platform solutions for organizations
• Research deliverables for individuals and organizations
• Behavioral Intelligence API access for authorized partners

3. User Accounts

3.1 Account Creation

To access our Services, you must create an account and provide accurate, complete, and current information. You are responsible for maintaining the confidentiality of your account credentials.

3.2 Account Responsibilities

• You must be at least 18 years old to create an account
• You are responsible for all activities under your account
• You must notify us immediately of any unauthorized use
• You may not use another person's account without permission

3.3 ClassroomBanking Student Accounts

Student accounts in ClassroomBanking must be created and managed by authorized teachers or school administrators. Teacher/Parental consent is required for students under 13 years of age and may be required for students under 18 years of age.

4. Acceptable Use

You agree not to:

• Use the Services for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Services or servers
• Transmit viruses, malware, or other harmful code
• Collect or harvest user data without authorization
• Use the Services to violate any applicable laws or regulations
• Impersonate another person or entity
• Share your account credentials with unauthorized parties

5. Financial Information and Services

5.1 Not Financial Advice

The Services provide behavioral insights and educational content only. Nothing in our Services constitutes financial, investment, tax, or legal advice. You should consult qualified professionals for specific advice tailored to your situation.

5.2 Third-Party Financial Services

Our Services may integrate with third-party financial institutions. We are not responsible for the products, services, or content provided by these third parties. Your use of third-party services is governed by their respective terms and policies.

5.3 Accuracy of Information

While we strive for accuracy, we cannot guarantee that all information provided through our Services is complete, accurate, or current. You are responsible for verifying information before making financial decisions.

6. Intellectual Property

6.1 Our Property

All content, features, and functionality of the Services, including software, text, images, logos, and algorithms, are owned by NeuroFin and protected by intellectual property laws. You may not copy, modify, distribute, or reverse engineer any part of our Services without written permission.

6.2 Your Content

You retain ownership of any content you provide to the Services. By using our Services, you grant NeuroFin a license to use, process, and analyze your data to provide and improve our Services.

7. Privacy and Data Security

Your use of our Services is subject to our Privacy Policy, which describes how we collect, use, and protect your information. By using our Services, you consent to our data practices as described in the Privacy Policy.

8. Fees and Payment

8.1 Subscription Services

Some Services require payment of fees. By subscribing, you agree to pay all applicable fees as described in your subscription plan. Fees are non-refundable except as required by law or as explicitly stated.

8.2 Pricing Structure

Pricing varies by product and implementation.

8.3 Changes to Fees

We reserve the right to change our fees with 30 days' notice. Continued use of the Services after fee changes constitutes acceptance of the new fees.

9. Disclaimers and Limitations of Liability

9.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

9.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEUROFIN SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICES.

9.3 Indemnification

You agree to indemnify and hold NeuroFin harmless from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

10. Termination

We may terminate or suspend your account immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Services will cease immediately. You may terminate your account at any time through your account settings or by contacting support.

11. Governing Law and Disputes

11.1 Governing Law

These Terms shall be governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles.

11.2 Arbitration

Any dispute arising from these Terms or your use of the Services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

11.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or through the Services. Your continued use after changes constitutes acceptance of the modified Terms.

13. Miscellaneous

13.1 Entire Agreement

These Terms constitute the entire agreement between you and NeuroFin regarding the Services.

13.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

13.3 No Waiver

Our failure to enforce any right or provision shall not be considered a waiver of those rights.

13.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign our rights and obligations without restriction.

14. Contact Information

For questions about these Terms of Service, please contact us: