Terms of Service

The website located at https://gothrive.net (the "Site") and any related products, applications, features, tools, content, and services we provide (collectively, the "Services") are a copyrighted work belonging to Finance AI, Inc. ("Company," "us," "our," and "we"). Certain features of the Services may be subject to additional guidelines, terms, or rules, which will be posted in connection with such features. All such additional terms, guidelines, and rules are incorporated by reference into these Terms of Service (these "Terms").

THESE TERMS SET FORTH THE LEGALLY BINDING TERMS AND CONDITIONS THAT GOVERN YOUR USE OF THE SERVICES. BY ACCESSING OR USING THE SERVICES, YOU ARE ACCEPTING THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT), AND YOU REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, AUTHORITY, AND CAPACITY TO ENTER INTO THESE TERMS (ON BEHALF OF YOURSELF OR THE ENTITY THAT YOU REPRESENT). YOU MAY NOT ACCESS OR USE THE SERVICES OR ACCEPT THE TERMS IF YOU ARE NOT AT LEAST 18 YEARS OLD.

IF YOU DO NOT AGREE WITH ALL OF THE PROVISIONS OF THESE TERMS, DO NOT ACCESS AND/OR USE THE SERVICES.

ARBITRATION NOTICE; CLASS ACTION WAIVER: PLEASE BE AWARE THAT SECTION 10.2 CONTAINS PROVISIONS GOVERNING HOW TO RESOLVE DISPUTES BETWEEN YOU AND COMPANY, INCLUDING AN AGREEMENT TO ARBITRATE AND A CLASS ACTION AND JURY TRIAL WAIVER. PLEASE READ SECTION 10.2 CAREFULLY.

1. ACCOUNTS

1.1 Account Creation

In order to use certain features of the Services, you must register for an account ("Account") and provide certain information about yourself as prompted by the registration form. You represent and warrant that: (a) all required registration information you submit is truthful and accurate; and (b) you will maintain the accuracy of such information. You may delete your Account at any time, for any reason, by following the instructions in the Services. Company may suspend or terminate your Account in accordance with Section 9.

1.2 Account Responsibilities

You are responsible for maintaining the confidentiality of your Account login information and are fully responsible for all activities that occur under your Account. You agree to immediately notify Company of any unauthorized use, or suspected unauthorized use of your Account or any other breach of security. Company cannot and will not be liable for any loss or damage arising from your failure to comply with the above requirements.

2. ACCESS TO THE SERVICES

2.1 License

Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Services solely for your own personal, noncommercial use.

2.2 Certain Restrictions

The rights granted to you in these Terms are subject to the following restrictions: (a) you shall not license, sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Services, whether in whole or in part, or any content displayed on the Services; (b) you shall not modify, make derivative works of, disassemble, reverse compile or reverse engineer any part of the Services; (c) you shall not access the Services in order to build a similar or competitive website, product, or service; and (d) except as expressly stated herein, no part of the Services may be copied, reproduced, distributed, republished, downloaded, displayed, posted or transmitted in any form or by any means.

Unless otherwise indicated, any future release, update, or other addition to functionality of the Services shall be subject to these Terms. All copyright and other proprietary notices on the Services (or on any content displayed on the Services) must be retained on all copies thereof.

2.3 Modification

Company reserves the right, at any time, to modify, suspend, or discontinue the Services (in whole or in part) with or without notice to you. You agree that Company will not be liable to you or to any third party for any modification, suspension, or discontinuation of the Services or any part thereof.

2.4 No Support or Maintenance

You acknowledge and agree that Company will have no obligation to provide you with any support or maintenance in connection with the Services.

2.5 Ownership

You acknowledge that all intellectual property rights, including copyrights, patents, trademarks, and trade secrets, in the Services and their content are owned by Company or Company's suppliers. Neither these Terms (nor your access to the Services) transfers to you or any third party any rights, title, or interest in or to such intellectual property rights, except for the limited access rights expressly set forth in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms. There are no implied licenses granted under these Terms.

2.6 Feedback

If you provide Company with any feedback or suggestions regarding the Services ("Feedback"), you hereby assign to Company all rights in such Feedback and agree that Company shall have the right to use and fully exploit such Feedback and related information in any manner it deems appropriate. Company will treat any Feedback you provide to Company as non-confidential and non-proprietary. You agree that you will not submit to Company any information or ideas that you consider to be confidential or proprietary.

3. NO PROFESSIONAL ADVICE; INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY

This Section is intended to clarify the nature of the Services and Content and to reduce the risk of the Services being construed as providing professional advice.

3.1 Not Financial, Investment, Tax, Accounting, or Legal Advice

The Services and all content, information, outputs, tools, calculators, analyses, recommendations, suggestions, forecasts, messages, alerts, or other materials made available through the Services (collectively, "Content") are provided for informational and educational purposes only. Nothing in the Services constitutes, or should be construed as, financial advice, investment advice, tax advice, accounting advice, legal advice, financial planning advice, or any other professional advice.

For clarity, any "guidance," "insights," "coaching," "projections," "plans," "goals," "summaries," or "scenarios" provided through the Services are general in nature and are not a substitute for professional advice.

3.2 No Fiduciary Relationship

Your use of the Services does not create a fiduciary relationship between you and the Company. You acknowledge and agree that the Company is not acting as your financial advisor, investment advisor, broker-dealer, tax advisor, accountant, attorney, or fiduciary.

3.3 No Offer, Solicitation, Recommendation, or Personalized Advice

The Services may provide general information, educational materials, insights, and scenario-based projections or simulations based on information you provide. However, the Services are not intended to provide, and do not provide, personalized recommendations to buy, sell, or hold any security, digital asset, or other financial product; to select any investment strategy; or to take any particular action with respect to your finances.

Nothing in the Services constitutes, or should be construed as, (a) an offer to sell or a solicitation of an offer to buy any security, digital asset, or other financial product, (b) a recommendation, endorsement, or sponsorship of any security, strategy, account type, or transaction, or (c) individualized advice tailored to your specific situation. Any decisions you make based on the Services are made at your own discretion and risk.

3.4 You Are Responsible for Decisions; Consult Professionals

You are solely responsible for your financial decisions and for verifying the accuracy and completeness of any Content before relying on it. You should consult qualified professionals (e.g., a registered investment adviser, broker-dealer, attorney, CPA, and/or tax advisor) regarding your specific circumstances before making financial, investment, tax, or legal decisions.

3.5 Not a Bank; No Brokerage or Advisory Services

The Company is a financial technology company. The Company is not a bank and does not provide banking services.

The Company does not act as a broker-dealer, execute trades, hold customer funds or securities, or provide investment advisory services. The Services do not provide investment recommendations or manage investments on your behalf.

3.6 Tax Disclaimer

The Company does not provide tax advice. You are encouraged to consult with your personal tax advisors.

3.7 Third-Party Data

The Services may display or summarize information obtained from third-party sources. The Company does not guarantee the accuracy or completeness of third-party data and is not responsible for errors or delays in such data.

4. ARTIFICIAL INTELLIGENCE AND AUTOMATED OUTPUTS

The Services may use automated tools and/or artificial intelligence to generate, summarize, classify, or present Content. You understand and acknowledge that AI and automated outputs may be incorrect, incomplete, misleading, irrelevant, or not applicable to your situation. You agree to independently review and verify any Content before relying on it, and you will not rely on the Services as the primary basis for making financial or investment decisions.

You acknowledge that projections, forecasts, and scenario outputs are inherently uncertain, may be based on assumptions, and may not reflect actual outcomes.

5. INDEMNIFICATION

You agree to indemnify and hold Company (and its officers, employees, and agents) harmless, including costs and attorneys' fees, from any claim or demand made by any third party due to or arising out of (a) your use of the Services, (b) your violation of these Terms, or (c) your violation of applicable laws or regulations.

Company reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of these claims. You agree not to settle any matter without the prior written consent of Company. Company will use reasonable efforts to notify you of any such claim, action, or proceeding upon becoming aware of it.

6. THIRD-PARTY LINKS & ADS; OTHER USERS

6.1 Third-Party Links & Ads

The Services may contain links to third-party websites and services, and/or display advertisements for third parties (collectively, "Third-Party Links & Ads"). Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads. Company provides access to these Third-Party Links & Ads only as a convenience to you, and does not review, approve, monitor, endorse, warrant, or make any representations with respect to Third-Party Links & Ads.

You use all Third-Party Links & Ads at your own risk, and should apply a suitable level of caution and discretion in doing so. When you click on any of the Third-Party Links & Ads, the applicable third party's terms and policies apply, including the third party's privacy and data gathering practices. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction in connection with such Third-Party Links & Ads.

6.2 Other Users

Your interactions with other users are solely between you and such users. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions. If there is a dispute between you and any user, we are under no obligation to become involved.

6.3 Release

You hereby release and forever discharge Company (and our officers, employees, agents, successors, and assigns) from, and hereby waive and relinquish, each and every past, present, and future dispute, claim, controversy, demand, right, obligation, liability, action, and cause of action of every kind and nature (including personal injuries, death, and property damage), that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Services (including any interactions with, or act or omission of, other users or any Third-Party Links & Ads).

IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE CALIFORNIA CIVIL CODE SECTION 1542 in connection with the foregoing.

7. DISCLAIMERS

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS, AND COMPANY (AND OUR SUPPLIERS) EXPRESSLY DISCLAIM ANY AND ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ALL WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, OR NON-INFRINGEMENT.

WE (AND OUR SUPPLIERS) MAKE NO WARRANTY THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE AVAILABLE ON AN UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE BASIS, OR WILL BE ACCURATE, RELIABLE, FREE OF VIRUSES OR OTHER HARMFUL CODE, COMPLETE, LEGAL, OR SAFE. IF APPLICABLE LAW REQUIRES ANY WARRANTIES WITH RESPECT TO THE SERVICES, ALL SUCH WARRANTIES ARE LIMITED IN DURATION TO 90 DAYS FROM THE DATE OF FIRST USE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT ANY FINANCIAL-, INVESTMENT-, OR TAX-RELATED CONTENT OR RESULTS ARE ACCURATE, COMPLETE, OR SUITABLE FOR YOUR PURPOSES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO THE ABOVE EXCLUSION MAY NOT APPLY TO YOU. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON HOW LONG AN IMPLIED WARRANTY LASTS, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.

8. LIMITATION ON LIABILITY

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL COMPANY (OR OUR SUPPLIERS) BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY LOST PROFITS, LOST DATA, COSTS OF PROCUREMENT OF SUBSTITUTE PRODUCTS, OR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATING TO THESE TERMS OR YOUR USE OF, OR INABILITY TO USE, THE SERVICES, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ACCESS TO, AND USE OF, THE SERVICES IS AT YOUR OWN DISCRETION AND RISK, AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA RESULTING THEREFROM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY DAMAGES ARISING FROM OR RELATED TO THESE TERMS (FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION) WILL AT ALL TIMES BE LIMITED TO A MAXIMUM OF FIFTY U.S. DOLLARS (US $50). THE EXISTENCE OF MORE THAN ONE CLAIM WILL NOT ENLARGE THIS LIMIT. YOU AGREE THAT OUR SUPPLIERS WILL HAVE NO LIABILITY OF ANY KIND ARISING FROM OR RELATING TO THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU.

9. TERM AND TERMINATION

Subject to this Section, these Terms will remain in full force and effect while you use the Services. We may suspend or terminate your rights to use the Services (including your Account) at any time for any reason at our sole discretion, including for any use of the Services in violation of these Terms. Upon termination of your rights under these Terms, your Account and right to access and use the Services will terminate immediately.

Company will not have any liability whatsoever to you for any termination of your rights under these Terms, including for termination of your Account. Even after your rights under these Terms are terminated, the following provisions of these Terms will remain in effect: Sections 2.2 through 2.6 and Sections 3 through 12.

10. GENERAL

10.1 Changes

These Terms are subject to occasional revision, and if we make any substantial changes, we may notify you by sending you an e-mail to the last e-mail address you provided to us (if any), and/or by prominently posting notice of the changes on our Site. You are responsible for providing us with your most current e-mail address.

In the event that the last e-mail address that you have provided us is not valid, or for any reason is not capable of delivering to you the notice described above, our dispatch of the e-mail containing such notice will nonetheless constitute effective notice of the changes described in the notice. Continued use of our Services following notice of such changes shall indicate your acknowledgement of such changes and agreement to be bound by the terms and conditions of such changes.

10.2 Dispute Resolution (Arbitration Agreement)

Please read the following arbitration agreement carefully. It requires you to arbitrate disputes with Company and limits the manner in which you can seek relief.

(a) Applicability of Arbitration Agreement

You agree that any dispute between you and Company (and its parent companies, subsidiaries, affiliates, successors and assigns and all of their respective officers, directors, employees, agents, and representatives, collectively the "Company Parties") relating in any way to the Services or these Terms will be resolved by binding arbitration, rather than in court, except that: (1) you and the Company Parties may assert individualized claims in small claims court if the claims qualify, remain in such court and advance solely on an individual, non-class basis; and (2) you or the Company Parties may seek equitable relief in court for infringement or other misuse of intellectual property rights (such as trademarks, trade dress, domain names, trade secrets, copyrights, and patents).

This Arbitration Agreement shall survive the expiration or termination of these Terms and shall apply, without limitation, to all claims that arose or were asserted before you agreed to these Terms or any prior version. It does not preclude you from bringing issues to the attention of federal, state, or local agencies.

For purposes of this Arbitration Agreement, "Dispute" will also include disputes that arose or involve facts occurring before the existence of this or any prior versions of the Agreement as well as claims that may arise after termination.

(b) Informal Dispute Resolution

Before either party commences arbitration (or initiates an action in small claims court if elected), you and Company agree to meet and confer telephonically or via videoconference in a good faith effort to resolve informally any Dispute ("Informal Dispute Resolution Conference").

The party initiating a Dispute must give notice in writing of its intent to initiate an Informal Dispute Resolution Conference ("Notice"), which shall occur within 45 days after the other party receives such Notice, unless an extension is mutually agreed. Notice to Company should be sent by email to help@gothrive.net, or by regular mail to 2261 Market Street, STE 86343, San Francisco, California 94114. The Notice must include: (1) your name, telephone number, mailing address, and e-mail address associated with your account (if any); (2) the name, telephone number, mailing address, and e-mail address of your counsel, if any; and (3) a description of your Dispute.

The statute of limitations and any filing fee deadlines shall be tolled while the parties engage in the Informal Dispute Resolution Conference process.

(c) Arbitration Rules and Forum

These Terms evidence a transaction involving interstate commerce; the Federal Arbitration Act, 9 U.S.C. § 1 et seq., will govern interpretation and enforcement of this Arbitration Agreement. If the Informal Dispute Resolution Process does not resolve satisfactorily within 60 days after receipt of your Notice, either party may resolve the Dispute through binding arbitration administered by JAMS.

Disputes with an amount in controversy under $250,000 (excluding attorneys' fees and interest) shall be subject to JAMS' Streamlined Arbitration Rules; all other claims shall be subject to JAMS' Comprehensive Arbitration Rules.

(d) Waiver of Class or Other Non-Individualized Relief

Except as specified in subsection (f) below (Batch Arbitration), you and Company agree that each may bring claims against the other only on an individual basis and not on a class, representative, or collective basis, and waive all rights to have any Dispute brought, heard, administered, resolved, or arbitrated on a class, collective, representative, or mass action basis.

(e) Attorneys' Fees and Costs

The parties shall bear their own attorneys' fees and costs in arbitration unless the arbitrator finds the substance of the Dispute or relief sought was frivolous or brought for an improper purpose, consistent with the standards in Federal Rule of Civil Procedure 11(b).

(f) Batch Arbitration

To increase efficiency, in the event that there are 100 or more individual Requests of a substantially similar nature filed against Company within a 30-day period by or with assistance of the same law firm(s) or organizations, JAMS shall administer demands in batches of 100, appoint one arbitrator per batch, and consolidate each batch as a single arbitration with one set of fees due per side per batch, one procedural calendar, one hearing (if any), and one final award ("Batch Arbitration").

(g) 30-Day Right to Opt Out

You have the right to opt out of this Arbitration Agreement by sending a timely written notice within 30 days after first becoming subject to this Arbitration Agreement to: 2261 Market Street, STE 86343, San Francisco, California 94114, or email to help@gothrive.net. Your notice must include your name and address and a clear statement that you want to opt out of this Arbitration Agreement.

(h) Modification of Arbitration Agreement

If Company makes any future material change to this Arbitration Agreement, you may reject that change within 30 days by writing Company at the address above or emailing help@gothrive.net. Continued use after that period constitutes acceptance.

10.3 Export

The Services may be subject to U.S. export control laws and may be subject to export or import regulations in other countries. You agree not to export, reexport, or transfer, directly or indirectly, any U.S. technical data acquired from Company, or any products utilizing such data, in violation of U.S. export laws or regulations.

10.4 Disclosures (California)

Company is located at the address in the Contact Information section below. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs by contacting them in writing at 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.

10.5 Electronic Communications

The communications between you and Company use electronic means, whether you use the Services or send us emails, or whether Company posts notices on the Services or communicates with you via email. For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms and conditions, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal requirement that such communications would satisfy if it were in a hardcopy writing.

10.6 Entire Terms

These Terms constitute the entire agreement between you and us regarding the use of the Services. Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver. The section titles are for convenience only and have no legal or contractual effect. The word "including" means "including without limitation."

If any provision of these Terms is held to be invalid or unenforceable, the other provisions will be unimpaired and the invalid or unenforceable provision will be deemed modified so that it is valid and enforceable to the maximum extent permitted by law. Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other.

These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company's prior written consent, and any attempted transfer will be null and void. Company may freely assign these Terms.

10.7 Copyright/Trademark Information

Copyright © 2026 Finance AI, Inc. All rights reserved. All trademarks, logos and service marks ("Marks") displayed on the Services are our property or the property of other third parties. You are not permitted to use these Marks without our prior written consent or the consent of such third party which may own the Marks.