Terms of Service

1. The service

Finro compiles user-provided financial documents into a reviewable management report. A purchase covers one report-generation job and the exports made available for that job in the active browser session. Finro is a document compiler. It is not accounting software, not an ERP, not a bookkeeping subscription, not a permanent archive, and not a substitute for a qualified professional.

Features, file limits, pricing, and turnaround estimates may change. We may throttle, queue, or refuse jobs that exceed published limits, present security risk, or appear to abuse the service.

2. Eligibility

You must be at least 18 years old and legally able to enter a contract. You may not use the service if doing so would violate applicable law, sanctions, or export-control rules. You may not use the service on behalf of a sanctioned person or in a sanctioned jurisdiction where that use is prohibited.

3. No professional advice

Reports, classifications, mappings, summaries, confidence scores, notes, and exports are informational tools only. Finro does not provide audit, assurance, accounting, bookkeeping, tax, investment, valuation, insurance, or legal advice. Automated mapping toward IFRS, US GAAP, or any other framework is not a compliance opinion, certification, attestation, or substitute for professional judgment. You must have a qualified professional review any output before using it for statutory filings, tax, lending, investment, insurance, employment decisions, or sale of a business.

Sample reports use fictional data and exist only to show layout. They are not an indication of results for your files.

4. Your documents and license

You retain whatever rights you already have in files you upload. You grant Finro a limited, temporary, worldwide license to host, transmit, parse, interpret, transform, and display those files solely to generate the report you requested, to secure the service, and to diagnose failures. That license ends when the processing job is complete and residual copies are deleted according to the Privacy Policy, except for copies we must keep for legal, security, tax, or accounting reasons.

You represent that you have all rights, consents, and lawful bases needed to upload and process each file, including personal data of third parties that may appear in statements or invoices. You will not upload material you are forbidden to disclose.

5. Acceptable use

You agree not to:

• upload malware, hidden instructions, or content intended to manipulate the service;
• attempt to probe, reverse engineer, scrape at scale, or disrupt the service;
• submit documents you are not authorized to process;
• use outputs to mislead a lender, investor, auditor, tax authority, insurer, or counterparty;
• resell raw access in a way that circumvents payment or abuse controls;
• interfere with other customers’ jobs;
• use the service for unlawful surveillance, fraud, or sanctioned activity; or
• upload content that violates another person’s rights or applicable prohibited-use rules of independent model providers.

6. Accounts and session use

The ordinary workflow does not require a Finro account. Access to a generated report is tied to the paying session and to the job you purchased. If you lose the browser session before downloading, we are not obliged to reconstruct the report without a new paid job. You are responsible for the security of the device and network you use.

7. Fees, taxes, and refunds

Prices are shown at checkout in the stated currency. Unless required by law, fees are non-refundable once a generation job has started, because compute, transmission, and interpretation work is consumed at that point. If checkout is paid but the job cannot be started because of an outage on our side, contact support@driftrail.com and we will either re-run the job or refund the unused purchase.

You are responsible for applicable taxes. Chargebacks opened without first contacting support may result in refusal of future jobs. We may cancel a job and refund or not capture payment if we reasonably believe the request violates these Terms.

8. Output ownership and license

As between you and Finro, you own the report generated from your files, subject to our ownership of the Finro software, templates, layout, trademarks, and documentation. We grant you a non-exclusive license to use, copy, and share that report for your internal business purposes. You may not claim that Finro audited, certified, or signed the report.

Automated outputs can omit items, mis-map accounts, duplicate rows, or invent plausible labels when source documents are unclear. You accept that risk and agree to review the work.

9. Intellectual property of Finro

The website, name, logo, copy, software, and design are owned by Finro or its licensors. You may not copy the product, scrape it to build a competing compiler, or use our marks without permission except for reasonable factual reference.

10. Privacy and deletion

The Privacy Policy describes how files are handled. In summary, Finro is designed without a standing customer document database. Temporary objects exist to finish a paid job and are then intended to be deleted. Independent providers that interpret documents may process those documents under their own terms.

11. Confidentiality and publicity

We treat uploaded financial files as confidential information of the submitting customer, except for information that is public, already known to us independently, or that we must disclose by law. We will not use your company name in marketing without permission.

12. Service availability

We do not guarantee uninterrupted operation, any particular turnaround, or that every file type or messy spreadsheet will parse cleanly. Maintenance, third-party outages, and force majeure may delay or prevent a job. Your sole remedy for a job that cannot be completed because of a failure on our side is re-performance or a refund of that job’s fee, at our option.

13. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINRO AND DRIFTRAIL DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY OF FINANCIAL OUTPUT. WE DO NOT WARRANT THAT REPORTS WILL BE ERROR-FREE, COMPLETE, RECONCILED, OR ACCEPTED BY ANY AUDITOR, BANK, TAX AUTHORITY, OR COUNTERPARTY.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINRO AND DRIFTRAIL WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, BUSINESS INTERRUPTION, OR COST OF SUBSTITUTE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID TO FINRO FOR THE SPECIFIC REPORT GIVING RISE TO THE CLAIM DURING THE THREE MONTHS BEFORE THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; IN THOSE JURISDICTIONS OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED.

15. Indemnity

You will defend and indemnify Finro and DriftTrail against claims arising from your files, your lack of authority to process those files, your misuse of a report, your violation of law, or your violation of these Terms, including reasonable attorneys’ fees.

16. Suspension and termination

We may suspend or refuse a job if we reasonably believe it presents legal, security, or abuse risk. You may stop using the service at any time. Sections that by their nature should survive will survive. That includes payment, licenses already granted in delivered reports, disclaimers, limitations, and indemnity.

17. Export and prohibited uses of model providers

You must comply with export, sanctions, and dual-use rules that apply to you. You must not use the service in a manner that would cause Finro or its providers to violate those rules, or to violate independent generative-AI prohibited-use policies.

18. Governing law

These Terms are governed by the laws applicable to DriftTrail’s principal place of business, without regard to conflict-of-law rules, except where consumer-protection laws of your country require otherwise. Courts in that venue have exclusive jurisdiction, except that we may seek injunctive relief anywhere to protect intellectual property or confidential information.

19. Changes

We may update these Terms by posting a new version on this page. The updated Terms apply to subsequent use of the service. If you do not agree, discontinue use.

20. Miscellaneous

These Terms are the entire agreement for use of Finro and supersede prior terms for that use. If a provision is unenforceable, the remainder stays in force. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganization. Notices to Finro must be sent to support@driftrail.com. Headings are for convenience only.

21. Contact

Questions about these Terms: support@driftrail.com.

22. Independent Google and Gemini terms

Because document interpretation may be performed with Google Gemini, the following Google documents also apply to that processing and should be reviewed independently. They may change without notice to Finro. We place them here so you can read the provider’s own rules rather than infer internal implementation details from marketing copy:

• Google Terms of Service
• Google Privacy Policy
• Gemini API Additional Terms of Service
• Google Generative AI Prohibited Use Policy

If those Google documents conflict with these Terms as to Google’s own processing, Google’s documents control that processing. Finro’s Terms still control your relationship with Finro.