Terms of Use

These Terms of Use (these “Terms”) are entered into by and between you and FinPro Holdings, LLC (“FinPro,” “Company,” “we,” “us,” or “our”) and govern your access to and use of our website located at finproholdings.com, our mobile application(s), and all related content, features, functionality, communications, and services we make available from time to time (collectively, the “Platform”).

By accessing, downloading, registering for, or using the Platform, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not access or use the Platform.

If you use the Platform on behalf of an agency, department, employer, or other organization, you represent and warrant that you have authority to bind that organization, and “you” includes both you and that organization to the extent applicable.

You must be at least eighteen (18) years old and legally capable of entering into a binding agreement to use the Platform. You may be required to create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur through your account. You must promptly notify us of any suspected unauthorized use or security incident affecting your account.

FinPro provides a hosted financial data platform that enables individuals to aggregate, organize, analyze, and share financial information that they choose to authorize through third-party data aggregation providers. The Platform may generate personal financial statements, projections, simulations (including retirement modeling), cash flow summaries, and related analytics based on information authorized or provided by users, including where applicable through Enterprise Customers or organization-sponsored access. FinPro does not independently verify financial data received from financial institutions, third-party providers, or users and does not guarantee the accuracy, completeness, or timeliness of such data. Financial reports, projections, and analytics generated through the Platform depend on data received from users, financial institutions, and third-party providers, and FinPro is not responsible for errors or omissions in such data.

Certain features of the Platform may be made available through enterprise customers such as financial professionals, advisory firms, or other organizations (“Enterprise Customers”). If you access the Platform through an Enterprise Customer, that Enterprise Customer may receive access to financial information or analytics that you authorize to be shared through the Platform. FinPro processes such information on behalf of Enterprise Customers pursuant to contractual agreements and does not control how Enterprise Customers use such information. Enterprise Customers are independently responsible for their compliance with applicable financial services laws and regulations. Your relationship with the Enterprise Customer may be governed by separate agreements and privacy policies. FinPro acts solely as a technology provider and does not control, supervise, or assume responsibility for the professional services or advice provided by Enterprise Customers.

FinPro does not provide investment advice, tax advice, legal advice, accounting advice, or financial advisory services. Any financial statements, projections, simulations, or other analytics generated through the Platform are based solely on information provided or authorized by users and are provided for informational purposes only. You should consult appropriate professional advisors before making financial decisions. Nothing in these Terms or the Platform creates any fiduciary, advisory, or similar relationship between you and FinPro. FinPro acts solely as a provider of technology services.

FinPro is not a broker-dealer, investment adviser, or member of the Financial Industry Regulatory Authority (“FINRA”). FinPro does not execute transactions, provide brokerage services, or hold customer funds or securities. FinPro does not take custody of client assets or maintain financial accounts on behalf of users.

FinPro is not a “consumer reporting agency” as defined under the Fair Credit Reporting Act (“FCRA”) and does not prepare or furnish “consumer reports.” The Platform is designed solely to facilitate consumer-authorized financial data sharing and analysis tools. The Platform may not be used to determine eligibility for credit, employment, insurance, housing, or other purposes regulated by the FCRA.

If your access to the Platform is sponsored, purchased, or administered by an agency, department, employer, or other organization, additional terms may apply between us and that organization. In that case, your organization may manage user provisioning, account administration settings, and activation status; however, absent an express written agreement and applicable legal basis, organization administrators are not granted access to user-level data except as expressly authorized by the user or as otherwise permitted under applicable agreements and law. If your organization terminates or changes your access rights or their subscription, we may suspend, modify, or terminate your access accordingly.

We reserve the right to withdraw or amend the Platform, and any services or materials we provide on the Platform, in our sole discretion and without further notice requirements. We will not be liable if, for any reason, all or any part of the Platform is unavailable at any time or from time to time. We may restrict access to certain parts of the Platform, or the entire Platform to our users from time to time. You are responsible at all times for making all arrangements necessary for you to have access to the Platform, ensuring all persons who access the Platform through your internet connection are aware of these Terms, and ensuring no restrictions prohibit your use of the Platform. To access the Platform, you may be required to provide certain registration details or other information, expressly including your contact information. We may use third party authentication providers at our discretion. It is a condition to your use of the Platform that all information you provide is correct, current, and complete. You acknowledge your access is personal and you will not provide your credentials to anyone else.

The Platform may permit you to input, upload, or authorize access to financial information and related data (“User Data”). You retain ownership of User Data you submit, subject to the rights you grant below. You agree not to upload any User Data you do not own or have full rights to use and the Company is not responsible for the content or accuracy of any User Data posted by you or any other user of the Platform. You grant the Company a non-exclusive, worldwide, royalty-free license to host, store, process, reproduce, transmit, display, adapt, and otherwise use User Data solely as reasonably necessary to operate, improve, secure, support, and enforce the Platform and these Terms, and to comply with all applicable laws. This license continues only for so long as reasonably necessary for those purposes, subject to backup, archival, legal-retention, and similar operational needs. Because the Platform is not intended to be a public forum, you agree not to use it for public posting, mass solicitation, advertising, or unrelated social networking. You understand the Company has the express right and authority to remove or refuse to post any User Data for any or no reason in our sole discretion. You further understand and agree the Company may (a) take any action with respect to any User Data if the Company believes such User Data violates these Terms. The Company may disclose your identity or other information for any legal reason to enforce its rights. Without limiting the foregoing, we have the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Platform.

You agree that you will not, and will not permit others to, use the Platform to:

• violate any law, regulation, court order, employer rule, professional standard, or third-party right;
• harass, threaten, stalk, abuse, impersonate, or defame any person;
• share information you do not have the right to disclose, including confidential financial information of third parties or information subject to contractual or legal confidentiality obligations;
• upload malware, malicious code, or harmful files;
• interfere with or disrupt the integrity, availability, or security of the Platform;
• scrape, harvest, reverse engineer, or otherwise attempt to access source code or non-public portions of the Platform, except where such restriction is prohibited by law;
• use the Platform for commercial exploitation, spam, or unauthorized promotional activity; or
• use the Platform or any information generated through the Platform to determine eligibility for credit, employment, insurance, housing, or other FCRA-regulated purposes.

You are solely responsible for the accuracy, legality, and appropriateness of your User Data and communications.

If you provide suggestions, ideas, feedback, or recommendations regarding the Platform (“Feedback”), you agree that the Company may use, disclose, reproduce, license, distribute, and otherwise exploit such Feedback without restriction and without compensation to you. Do not submit Feedback or other information you consider confidential to the Company through public channels; any such submissions will be treated as non-confidential.

Your use of the Platform is subject to our Privacy Policy. Because the Platform may involve sensitive financial-related interactions, you should use caution before uploading or sharing information. The Platform does not provide location-sharing functionality as currently offered. Unless we expressly state otherwise in writing, the Platform is not intended to receive or maintain protected health information subject to HIPAA on behalf of covered entities or business associates, and FinPro is not acting as a HIPAA-covered healthcare provider through the Platform.

You consent to receive electronic communications from us, including emails, text messages, and push notifications relating to account verification, security alerts, reminders, service updates, and other operational matters. You understand that message and data rates may apply from your mobile carrier. You may disable certain notifications through your device or app settings, but doing so may impair functionality.

The Platform, including its software, design, text, graphics, logos, trademarks, compilations, “look and feel” and arrangement of all other content provided by the Company (excluding User Data), is owned by, controlled by, or licensed to the Company and is protected by applicable U.S. and foreign copyright, patent, and trademark laws, including various other intellectual property rights and unfair competition laws. Certain words and symbols used to identify the source of third-party goods and services are trademarks of their respective owners. Display of any such trademarks or service marks on the Platform does not imply any affiliation, sponsorship, or endorsement of the Company by the respective owners of such trademarks or service marks, or that a license of any kind has been granted to the Company. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for its intended purposes. Any unauthorized use, downloading, re-transmission, display, distribution or other copying, or modification of the Content on the Platform is strictly prohibited, and may result in legal action against those engaging in such activities. Except as expressly permitted in these Terms, you may not copy, modify, distribute, sell, lease, sublicense, publicly display, publicly perform, create derivative works from, decompile, disassemble, reverse engineer, or otherwise exploit the Platform or any part of it. The Company uses commercially reasonable effort to ensure that the content provided on the Platform infringes no applicable legal provisions or third-party rights. However, it may not always be possible to achieve such a result. In such cases, without prejudice to any legal prerogatives of users to enforce their rights, users are encouraged to report any such concerns using the contact information provided below.

These Terms permit you to use the Platform for your personal use or as authorized through an Enterprise Customer in accordance with applicable agreements. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on our Platform, except as follows:

• Your computer or other device may temporarily store copies of such materials in RAM incidental to your accessing and viewing those materials.
• You may store files that are automatically cached by your browser or device for display enhancement purposes.
• You may print or download one copy of a reasonable number of pages of the Platform for your own personal, non-commercial use and not for further reproduction, publication, or distribution.
• If we provide desktop, mobile, or other applications for download, you may download a single copy to your computer or mobile device solely for your own personal, non-commercial use, provided you agree to be bound by our end user license agreement for such applications.

You must not, and hereby agree not to:

• Modify copies of any materials from Platform.
• Use any illustrations, photographs, video or audio sequences, or any graphics separately from the accompanying text.
• Delete or alter any copyright, trademark, or other proprietary rights notices from copies of materials from Platform.

You must not access or use the Platform for unauthorized commercial purposes or in violation of these Terms.

If you print, copy, modify, download, or otherwise use or provide any other person with access to any part of the Platform in breach of the Terms, your right to use the Platform will stop immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title, or interest in or to the Platform or any content on the Platform is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Platform not expressly permitted by these Terms is a breach of these Terms and may violate copyright, trademark, and other laws.

If you believe that any content available through the Platform infringes your intellectual property rights, please contact us at support@finproholdings.com with sufficient detail for us to evaluate and respond to your request.

The information generated on or through the Platform is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information, whether accessed directly or through an Enterprise Customer or organization-sponsored account, is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Platform, or by anyone who may be informed of any of its contents.

The Platform may enable users to connect financial accounts through third-party data aggregation providers (such as Plaid or similar services) that facilitate consumer-authorized financial data sharing with financial institutions and other financial data providers. If you choose to connect financial accounts, you authorize the applicable provider to access and transmit financial account information to the Platform. FinPro does not collect or store your financial institution login credentials. The Platform may interact with third-party services such as mobile operating systems, app stores, cloud providers, analytics tools, authentication providers, communication vendors, or organization systems. We do not control third-party services and are not responsible for their acts, omissions, content, security, or availability. Your use of third-party services may be subject to separate terms and policies. FinPro does not control and is not responsible for the accuracy, completeness, or timeliness of financial information obtained from third-party providers or financial institutions.

We may suspend, restrict, or terminate your access to the Platform at any time, with or without notice, if we believe you have violated these Terms, created risk for the Platform or its users, or if continued access is no longer commercially or operationally feasible. You may stop using the Platform at any time. Upon termination, provisions that by their nature should survive will survive, including ownership, disclaimers, limitations of liability, indemnification, dispute-resolution, and similar provisions.

The owner of the Platform is based in the State of Texas in the United States. We provide Platform for use only by persons located in the United States. We make no claims that the Platform or any of its content is accessible or appropriate outside of the United States and, if you choose to access this Platform outside the United States, you are solely responsible for ensuring your use complies with all applicable privacy laws. Access to the Platform may not be legal by certain persons or in certain countries. If you access the Platform from outside the United States, you do so on your own initiative and are responsible for compliance with local laws.

The Platform may include features that utilize artificial intelligence, machine learning, or similar technologies, including conversational tools, chatbots, and automated analytics (collectively, “AI Features”). AI Features generate responses, outputs, and analyses based on algorithms and available data, and such outputs may be inaccurate, incomplete, or misleading. AI Features are provided for informational and convenience purposes only and are not a substitute for professional judgment.

You acknowledge and agree that:

1. Outputs generated by AI Features do not constitute financial, investment, legal, tax, or accounting advice;
2. FinPro does not guarantee the accuracy, completeness, or reliability of any AI-generated output;
3. You are solely responsible for evaluating any information provided through AI Features and for any decisions or actions taken based on such information.

AI Features may respond to a broad range of user inputs and are not limited to the intended scope of the Platform. You agree not to rely on AI-generated outputs without independent verification where appropriate.

FinPro may use user inputs and interactions with AI Features to operate, improve, and enhance the Platform, subject to the Privacy Policy.

You agree not to input sensitive personal information, including financial account credentials or information of third parties, into AI Features except as expressly permitted through the Platform’s designated data connection features.

Outputs generated through the Platform, including financial statements, projections, analytics, and AI-generated responses, are intended solely for informational. Such outputs are not verified financial records and should not be used as the sole basis for financial, underwriting, investment, compliance, or other business decisions.

TO THE FULLEST EXTENT PROVIDED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES, OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE PLATFORM OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE PLATFORM OR TO YOUR DOWNLOADING OF ANY MATERIAL POSTED ON IT, OR ON ANY WEBSITE LINKED TO IT.

THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME; THAT MESSAGES OR ALERTS WILL BE DELIVERED OR VIEWED; OR THAT USE OF THE PLATFORM WILL RESULT IN ANY PARTICULAR FINANCIAL OUTCOME OR THAT ANY FINANCIAL PROJECTIONS OR ANALYTICS WILL BE ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL THE COMPANY OR ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, OR THEIR RESPECTIVE OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, USE, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF THE COMPANY ARISING OUT OF OR RELATING TO THE PLATFORM OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS (US$100) OR (B) THE AMOUNT, IF ANY, YOU ACTUALLY PAID DIRECTLY TO THE COMPANY FOR USE OF THE PLATFORM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

YOU HEREBY AGREE TO RELEASE AND FOREVER DISCHARGE THE COMPANY (INCLUDING ITS AFFILIATES AND SUBSIDIARIES, IF ANY) AND ITS THIRD-PARTY SERVICE PROVIDERS, SUPPLIERS AND VENDORS AND EACH OF THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AND AGENTS FROM ANY AND ALL CLAIMS, DISPUTES, DEMANDS, CONTROVERSIES, RIGHTS, OBLIGATIONS, LIABILITIES AND DAMAGES (ACTUAL AND CONSEQUENTIAL) OF EVERY KIND AND NATURE, KNOWN AND UNKNOWN, SUSPECTED AND UNSUSPECTED, DISCLOSED AND UNDISCLOSED (COLLECTIVELY, “CLAIMS”), ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE PLATFORM OR INFORMATION FOUND THEREON. If you are a California resident, you hereby waive California Civil Code Section 1542, which states, “A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which, if known by him must have materially affected his settlement with the debtor.”

You agree to defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to (1) your violation of these Terms or your use of the Platform, (2) your violation of any law, rule, or regulation, (3) your violation of any third-party rights, (4) your User Data, (5) any use of the Platform’s content, services, and products other than as expressly authorized in these Terms, or (6) your use of any information obtained from the Platform.

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Except for claims in which special performance or injunctive relief is sought, any dispute, controversy, or claim arising out of or relating to these Terms shall be submitted to binding arbitration and shall be finally settled under Commercial Arbitration Rules of the American Arbitration Association (“AAA”). Disputes will be arbitrated by a single arbitrator selected by mutual agreement of the parties, unless the parties are unable to agree on an arbitrator, in which event the matter will be submitted to the AAA for resolution by a single arbitrator selected pursuant to the applicable rules of AAA. Such arbitration shall occur in Collin County, Texas or virtually (via Teams, Zoom, Google Meet, or the like) by agreement of the parties. Judgment upon the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. The arbitrators are not empowered to award damages in excess of compensatory damages but shall include in the final award an allocation of costs, including attorneys’ fees, to the prevailing party to the extent permitted by applicable law. The arbitrator shall render the award in writing, explaining the factual and legal basis for decision as to each of the principal controverted issues. The parties expressly agree that any petition to confirm, modify or enforce the arbitral award shall be resolved in a State or Federal Court of competent jurisdiction in Collin County, Texas, to which jurisdiction the parties hereby submit. Subject to the foregoing and except as may be required by law, neither a party nor an arbitrator may disclose the existence, content, evidence submitted in, or results of any arbitration hereunder without the prior written consent of all parties.

THE ARBITRATOR SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ANY DISPUTE RELATING TO THE INTERPRETATION, APPLICABILITY, ENFORCEABILITY, OR FORMATION OF THIS ARBITRATION PROVISION. THE PARTIES HEREBY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND FINPRO AGREE THAT ANY DISPUTE WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

We may modify the Platform and these Terms from time to time. Updated Terms will become effective when posted, unless a later effective date is stated. Your continued use of the Platform after updated Terms become effective constitutes acceptance of the revised Terms. Notwithstanding the foregoing, any updated Terms shall be prospective only and shall not modify the Dispute Resolution; Governing Law section hereof for any claims arising prior to the updated Terms.

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CAUSE OF ACTION ACCRUES; OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

These Terms constitute the entire agreement between you and the Company regarding the Platform, except for any separate written agreement between the Company and your organization. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent, and we may assign these Terms in connection with a corporate transaction or by operation of law.

No user may reproduce, duplicate, copy, sell, resell, or exploit any portion of the Platform without the Company’s express prior written permission.

Questions about these Terms may be directed to: