Terms of Service

Welcome to Switchfin. These Terms of Service ("Terms") govern your use of our website, products, and services (collectively, the "Services"). By using our Services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, please do not use our Services.

2. Description of Services

Switchfin provides AI-native investment infrastructure and related services for financial institutions. Our Services include:

• Multi-agent orchestration platform
• Financial Memory as a Service (FMaaS)
• Virtual subaccount management
• API access and developer tools
• Related support and documentation

3. Eligibility

To use our Services, you must:

• Be at least 18 years old
• Have the legal authority to enter into these Terms
• Not be prohibited from using our Services under applicable laws
• Provide accurate and complete registration information

4. Account Registration and Security

To access certain features of our Services, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information
• Keep your password secure and confidential
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

5. Acceptable Use

You agree not to use our Services to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit harmful code or malware
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our Services
• Engage in any fraudulent or deceptive practices
• Reverse engineer or attempt to extract our source code

6. Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, and software, are the exclusive property of Switchfin or its licensors and are protected by intellectual property laws.

You retain ownership of any content you submit to our Services, but grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and distribute such content in connection with providing our Services.

7. Privacy and Data Protection

Your use of our Services is also governed by our Privacy Policy. By using our Services, you consent to the collection and use of your information as described in our Privacy Policy.

8. Fees and Payment

Some aspects of our Services may be subject to fees. If you elect to use paid features:

• You agree to pay all applicable fees
• Fees are non-refundable unless otherwise stated
• We reserve the right to change fees with notice
• You are responsible for all taxes related to your use

9. Disclaimers

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF INFORMATION

We do not guarantee that our Services will be uninterrupted, secure, or error-free.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SWITCHFIN AND ITS AFFILIATES SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, or consequential damages
• Loss of profits, data, or business opportunities
• Any damages exceeding the fees paid by you in the past twelve months

11. Indemnification

You agree to indemnify, defend, and hold harmless Switchfin and its affiliates from any claims, damages, losses, or expenses arising from:

• Your use of our Services
• Your violation of these Terms
• Your violation of any rights of another party
• Your content submitted to our Services

12. Termination

We may suspend or terminate your access to our Services at any time, with or without cause or notice. Upon termination:

• Your right to use our Services will immediately cease
• We may delete your account and associated data
• Provisions that should survive termination will remain in effect

13. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms and changing the "Last updated" date. Your continued use of our Services after such changes constitutes acceptance of the updated Terms.

14. Governing Law and Disputes

These Terms shall be governed by the laws of the State of Delaware, without regard to conflict of law principles. Any disputes arising from these Terms shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

15. General Provisions

• Entire Agreement: These Terms constitute the entire agreement between you and Switchfin
• Severability: If any provision is found invalid, the remaining provisions shall continue
• Waiver: No waiver shall be effective unless in writing
• Assignment: You may not assign your rights without our consent

16. Contact Information

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