GenAI.Financial Terms of Service

Last updated: September 24, 2024

1. Introduction

Welcome to GenAI.Financial, a service provided by GenAI Capital Markets LLC ("we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of our financial analysis copilot service (the "Service"). By accessing or using the Service, you agree to be bound by these Terms.

2. Use of the Service

GenAI.Financial provides an AI-powered financial analysis copilot service designed to assist subject matter experts in analyzing financial data and producing research reports. By using our Service, you acknowledge and agree to use it in accordance with these Terms and all applicable laws and regulations.

3. User Responsibilities

You agree to:

• Provide accurate and truthful information when creating an account or using the Service.
• Maintain the confidentiality of your account credentials.
• Use the Service only for lawful purposes and in a manner that does not infringe upon the rights of others.
• Not attempt to interfere with or disrupt the integrity or performance of the Service.
• Remain in compliance with all applicable laws, regulations, and regulations of the United States and the jurisdictions in which you operate.

4. Prohibited Activities

You agree not to:

• Engage in any activity that could harm the Service or impair its functionality.
• Attempt to gain unauthorized access to any part of the Service or its related systems.
• Use the Service to distribute spam, malicious software, or any other harmful content.
• Violate any applicable laws or regulations while using the Service.
• Use the Service to produce or distribute financial research reports that are not in compliance with all applicable laws, regulations, and regulations of the United States and the jurisdictions in which you operate.

5. Intellectual Property

All content and materials provided through the Service, including but not limited to text, graphics, logos, and software, are the property of GenAI.Financial or its licensors and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal or internal business purposes.

6. Data Storage and Security

We implement industry-standard security measures to protect your data. Our data storage and processing are handled through Google Cloud Platform (GCP) and Firebase services, which provide robust security features to ensure the confidentiality, integrity, and availability of your information.

Specific security practices include:

• Encryption of data at rest and in transit using advanced encryption standards.
• Regular security audits and monitoring to detect and prevent unauthorized access.
• Access controls to ensure that only authorized personnel can access your data.
• Compliance with industry standards and regulations to maintain high security standards.

7. Data Sharing and Third Parties

We do not sell your personal information. We may share data with:

• Service providers
• Legal and regulatory authorities
• AI processing partners (e.g., OpenAI, Google Cloud's Vertex AI)
• Cloud service providers (Google Cloud Platform and Firebase)

Use of AI and Cloud Services

We utilize artificial intelligence services provided by OpenAI, Google Cloud's Vertex AI, various cloud services from Google Cloud Platform and Firebase, and other AI service providers to process user queries and enhance our financial analysis capabilities. When you use our service:

• Your queries may be sent to OpenAI, Google Cloud's Vertex AI, and/or other AI service providers for processing.
• We do not share personal identifying information with these AI providers.
• The AI providers may temporarily store your queries to improve their services, but they do not have the right to use this data for their own purposes beyond service improvement.
• These service providers are contractually obligated not to use your data for AI model training or any other unintended purposes.
• We have agreements in place with these providers to ensure the confidentiality and security of your data.

For more information on how these AI and cloud service providers handle data, please refer to their respective privacy policies:

• OpenAI Privacy Policy
• Google Cloud Privacy Policy
• Firebase Privacy Policy

8. Account Termination

We reserve the right to suspend or terminate your access to the Service at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

9. Disclaimers

The Service is provided on an "as is" and "as available" basis. GenAI.Financial disclaims all warranties, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

In no event shall GenAI.Financial, its directors, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation loss of profits, data, use, goodwill, or other intangible losses, resulting from your use of the Service.

11. Indemnification

You agree to defend, indemnify, and hold harmless GenAI.Financial and its affiliates, directors, officers, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses arising from:

• Your use of the Service.
• Violation of these Terms.
• Your violation of any third-party rights.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions.

13. Changes to the Terms

We may revise and update these Terms from time to time. All changes are effective immediately when we post them. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court, the remaining provisions of these Terms will remain in effect.

15. Entire Agreement

These Terms constitute the entire agreement between you and GenAI.Financial regarding your use of the Service and supersede all prior agreements and understandings.

16. Contact Us

If you have any questions about these Terms, please contact us at: