1. Acceptance and business eligibility

By accessing or using the website or portal, you agree to these Terms. If you use the portal for an organization, you confirm that:

you are at least 18 years old; you are using the service for business purposes; you are authorized to use the organization’s account and data; and you will follow the applicable Client Agreement and your organization’s instructions.

If you do not agree, do not access or use the service.

The portal is invitation-only. A provider account, forwarded link, or successful identity-provider authentication does not itself create Fintant access. Fintant’s organization, membership, role, invitation, and authorization records remain controlling. End clients of accounting firms do not receive portal accounts unless Fintant and the accounting firm expressly approve a different model in writing.

2. Relationship to Client Agreements

A Client Agreement governs paid services, service scope, fees, client financial data, confidentiality, data processing, security commitments, acceptance criteria, service levels, liability allocation, indemnities, and termination rights for the client organization.

If these Terms conflict with a Client Agreement, the Client Agreement controls for that conflict as between Fintant and the client organization. These Terms continue to govern an individual user’s account conduct, website use, credential security, and prohibited activity unless the Client Agreement expressly states otherwise.

Nothing in these Terms authorizes a user to amend a Client Agreement, expand service scope, approve a subprocessor or processing country, waive a security control, or instruct Fintant outside the user’s documented authority.

3. Accounts, invitations, and security

You must provide accurate account information and keep it current. You must:

use only your own account; protect invitations, authentication links, credentials, recovery methods, and devices; complete the configured authentication and recent-authentication checks required for your account; use organization-approved systems and networks; promptly revoke or report access that is no longer needed; and notify your administrator and Fintant at security@fintant.ai if you suspect unauthorized access, a forwarded or stolen invitation, credential compromise, malware, or another security issue.

Do not share accounts, use generic credentials, bypass role restrictions, or allow another person to act through your session. Client administrators are responsible for timely membership review and offboarding within their authority. Fintant may revoke sessions or suspend access when reasonably necessary to protect the service, users, client organizations, or data.

4. What the service does

Fintant provides controlled back-office accounting-production support and related workflow technology for accounting and bookkeeping firms. Depending on the applicable Client Agreement, work may include:

bank and credit-card reconciliation support; transaction and document processing; cleanup and catch-up support; source-linked workpapers, control summaries, and exception lists; workflow intake, file exchange, questions, status, quality assurance, delivery, and firm-approval records; and other specifically approved production support.

The portal is a managed-service delivery system, not an autonomous accounting platform or unrestricted self-service software product. Features, providers, integrations, and workflows may be unavailable, limited, simulated, or pending approval. Fintant will not represent a provider action as completed unless confirmed by authoritative service state.

5. Professional-responsibility boundary

Fintant provides scoped production support, not independent professional authority. Unless a separately signed agreement expressly states otherwise and all required qualified oversight is in place, Fintant does not:

provide legal, tax, investment, audit, review, assurance, or regulated professional advice; issue an audit, review, assurance, tax, or legal opinion; file a tax return, regulatory filing, or legal filing; release payroll or tax remittances; execute a bill, payment, transfer, collection, refund, or other money movement; post directly to a ledger or accounting system without the client firm’s approval workflow; communicate with an accounting firm’s end client under Fintant’s own authority; or autonomously accept a material accounting classification or unresolved exception.

The accounting firm remains responsible for its end-client relationship, accounting policies, material judgments, instructions, final review, approval, posting, filing, payment, and external communication.

6. AI-assisted and automated outputs

AI-assisted, optical character recognition, extraction, classification, matching, or other automated output is a production aid and recommendation. It may be incomplete, incorrect, or require additional source evidence.

Fintant’s controlled workflow is designed to retain source references, model or workflow version where applicable, deterministic controls, confidence or exception states, and human review. Users must not:

treat an automated output as final professional advice; hide or remove a material exception, missing-source state, or control difference; bypass required Fintant quality assurance or accounting-firm approval; use an output for posting, filing, payment, or external communication before required review; or submit client financial data to an unapproved AI, OCR, model, or other third-party system.

Approved AI or model processing, if any, is governed by the Client Agreement, approved workflow, and current Subprocessor Register.

7. Information and content you provide

As between the parties, the client organization, its end client, or the applicable data owner retains ownership of source records and client data. You grant Fintant only the limited rights needed to receive, host, copy, process, secure, review, transmit, return, delete, and otherwise handle submitted content to provide and protect the service under the applicable Client Agreement.

You confirm that:

you and the client organization have the authority, notices, consents, contractual permissions, and lawful basis needed to submit the content and instruct Fintant; the content and instructions do not violate law, contract, confidentiality, privacy, intellectual-property, or third-party rights; submitted files and information are within the approved organization, entity, workflow, accounts, periods, and scope; and required taxpayer or end-client authorization has been obtained before any offshore processing of U.S. tax-return information.

Public forms must not be used to submit client or end-client names, financial records, tax identifiers, account numbers, credentials, payment-card data, source documents, or other client financial information.

8. Acceptable Use Policy

Your use of the service is also subject to Fintant’s Acceptable Use Policy, which is incorporated into these Terms. The Acceptable Use Policy contains detailed requirements for authorized business use, financial-data handling, security testing, AI systems, files, credentials, communications, and prohibited conduct.

If the Acceptable Use Policy conflicts with a signed Client Agreement, the Client Agreement controls for that conflict. Fintant may investigate suspected misuse, preserve relevant evidence, restrict content, revoke sessions, suspend accounts, or notify the client organization or authorities when reasonably required by law, contract, security, or safety.

9. Files, versions, and audit records

Files and deliverables may pass through processing, quarantine, available, rejected, superseded, archived, deletion-scheduled, and deleted states. A transfer confirmation does not mean a file is safe, accepted, or available for use.

Replacing a source file or deliverable creates a new version. It does not erase prior versions, decisions, or audit history outside the approved retention and deletion process. Material actions may record actor, organization, object, result, timestamp, correlation context, IP address, and safe changes.

Downloads, exports, and links are subject to authorization at the time of use and may expire or be revoked.

10. Questions, internal notes, and communications

The service separates client-visible questions from Fintant internal notes. Users must choose the correct communication path and must not place secrets, credentials, payment instructions, or unnecessary sensitive data in messages.

Notifications may contain safe metadata and secure links, but they are not a substitute for checking the authoritative portal state. Delivery, bounce, complaint, suppression, provider outage, or delay may affect notifications.

11. Third-party services

The service may depend on approved providers for identity, email, scheduling, meetings, hosting, storage, scanning, monitoring, analytics, AI or model processing, and other functions. Their terms and availability may affect the service.

Fintant remains responsible for its contractual obligations but does not control an independent third-party service. A provider being listed, configured, linked, or tested does not mean every feature, region, security claim, or action is available or approved.

The current approved Subprocessor Register and client-specific restrictions govern which providers may process Client Financial Data. Providers under evaluation or used only for development or test are not approved for live Client Financial Data.

12. Fintant intellectual property

Fintant and its licensors own the website, portal, software, interfaces, workflows, templates, documentation, branding, and related technology, excluding client content.

Subject to these Terms and the Client Agreement, Fintant grants you a limited, non-exclusive, non-transferable, revocable right to use the service for your authorized business role.

You may provide feedback. Unless the parties agree otherwise in writing, Fintant may use feedback without restriction or compensation, provided it does not identify a client, end client, user, or confidential information.

“Fintant” and related names, logos, and marks are Fintant property. No trademark license is granted.

13. Privacy and cookies

The Privacy Notice explains how Fintant handles personal information for website, account, service-administration, security, and related purposes. Client Financial Data is also governed by the applicable Client Agreement and Data Processing and Security Addendum.

The Cookie Notice identifies essential cookies and browser storage used by the service and explains any optional technology that may be introduced. Acknowledging the Privacy Notice is not consent to unrelated marketing, optional analytics, or other processing that legally requires a separate choice.

14. Suspension, termination, and data handling

Fintant may suspend or terminate access when:

the Client Agreement ends or the client organization instructs Fintant; a user is removed, suspended, or no longer authorized; a security, privacy, legal, sanctions, provider, or operational risk requires restriction; the account or service is used in violation of these Terms, the Acceptable Use Policy, or law; fees are overdue under the Client Agreement; or continued access could harm the service, data, another party, or an investigation.

Where practicable, Fintant will use a proportionate response and inform the client organization. Immediate suspension may be necessary for urgent risk.

Data export, return, deletion, de-identification, legal holds, audit preservation, and backup purge are governed by the Client Agreement, approved organization policy, applicable law, and the Privacy Notice. Account closure does not automatically erase every business, security, approval, or financial-workflow record.

15. Service and Terms changes

Fintant may update the service and these Terms. Material changes will receive notice appropriate to their effect and may require re-acceptance. A change to these Terms does not silently amend a signed Client Agreement.

Fintant may discontinue a feature or integration when needed for security, law, provider availability, business operation, or product development. Client Agreement rights and required transition support continue to apply.

16. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND PORTAL ARE PROVIDED “AS IS” AND “AS AVAILABLE.” FINTANT DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

FINTANT DOES NOT WARRANT THAT:

THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE; A PROVIDER OR INTEGRATION WILL ALWAYS BE AVAILABLE; AN AUTOMATED OR HUMAN-PREPARED OUTPUT WILL DETECT EVERY ERROR, FRAUD, IRREGULARITY, TAX ISSUE, OR COMPLIANCE ISSUE; CLIENT-PROVIDED DATA OR INSTRUCTIONS ARE COMPLETE OR ACCURATE; OR USE OF THE SERVICE ALONE WILL SATISFY A CLIENT’S PROFESSIONAL, LEGAL, TAX, PRIVACY, OR SECURITY OBLIGATIONS.

Nothing in these Terms disclaims an express commitment in a signed Client Agreement or a warranty that cannot legally be disclaimed.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINTANT AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, AND LICENSORS WILL NOT BE LIABLE UNDER THESE TERMS FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, BUSINESS, GOODWILL, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY.

FOR CLAIMS GOVERNED ONLY BY THESE TERMS, FINTANT’S TOTAL AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF:

USD $100; OR THE AMOUNT THE INDIVIDUAL USER DIRECTLY PAID FINTANT FOR USE OF THE WEBSITE OR PORTAL DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

Claims by a client organization arising from paid services, Client Financial Data, confidentiality, security, professional work, or a Client Agreement are governed by the liability terms in that Client Agreement, not by the no-fee-user cap above.

These limitations do not apply to fraud, willful misconduct, or liability that cannot legally be limited. Applicable law may provide additional rights.

18. Indemnification for misuse

To the maximum extent permitted by law, you will defend, indemnify, and hold harmless Fintant and its affiliates, directors, officers, employees, and contractors from a third-party claim, loss, liability, penalty, damage, or reasonable legal cost arising from:

your intentional unlawful use of the service; your knowing submission of data without required authority; your infringement or misappropriation of a third party’s rights; your introduction of malicious content; or your intentional circumvention of access, security, approval, or tenant controls.

This section does not apply to the extent a claim was caused by Fintant’s breach, negligence, willful misconduct, or violation of law. Fintant will provide reasonable notice, allow reasonable participation in the defense, and will not accept a settlement that imposes an admission or non-monetary obligation on you without consent.

The Client Agreement contains the broader indemnity allocation between Fintant and the client organization.

19. Governing law and dispute forum

These Terms are governed by the laws of the State of New York, without regard to conflict-of-laws principles. Subject to a controlling Client Agreement, the state and federal courts located in New York County, New York have exclusive jurisdiction over disputes arising from these Terms.

Before filing a non-urgent claim, the parties should provide written notice and attempt in good faith to resolve the dispute for 30 days.

Either party may seek urgent injunctive or equitable relief in a court of competent jurisdiction to protect confidential information, personal information, systems, credentials, access rights, or intellectual property.

This section does not waive a mandatory right or law that cannot be waived by contract.

20. General terms

You may not assign these Terms or transfer your account without Fintant’s written consent. Fintant may assign these Terms in connection with a merger, financing, reorganization, sale of assets, or transfer of the relevant business, subject to applicable law and Client Agreements.

Neither party is responsible for delay caused by events beyond reasonable control, except for payment, confidentiality, security, incident-response, and data-protection obligations that remain capable of performance.

If a provision is unenforceable, it will be limited to the minimum extent necessary and the remaining provisions will continue. Failure to enforce a provision is not a waiver. Headings are for convenience.

These Terms and any controlling Client Agreement form the applicable agreement for the matters they govern. No online clickwrap changes a signed Client Agreement unless that agreement expressly permits the change.

21. Contact and legal notices

General support: support@fintant.ai Security reports: security@fintant.ai Privacy: privacy@fintant.ai Mail: Fintant Inc., 73-12 35th Avenue, Suite A45, Jackson Heights, NY 11372

Formal notices under a Client Agreement must follow that agreement’s notice section.