Terms of Service

The website located at phirise.com and any related mobile/web applications, dashboards, and services (collectively, the "Service") are operated by Phirise, Inc. ("Company", "we", "us", or "our"). These Terms of Service ("Terms") govern your access to and use of the Service, including Phirise's weekly operating review, proof profile, AI-powered assistance, document and business tools, connected-data features, usage-based credits, and paid subscriptions. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. If you are using the Service on behalf of a business or other entity, you represent and warrant that you have authority to bind that entity to these Terms. You may not use the Service if you are not at least 18 years old.

PLEASE READ THIS SECTION CAREFULLY. It affects your legal rights. Except for certain types of disputes described below, you and Company agree that disputes between you and Company will be resolved by binding, individual arbitration and you waive your right to a trial by jury or to participate in a class action. Informal Resolution First: Before starting arbitration, you agree to contact us at support@phirise.com with a brief written description of your claim and your contact information. The parties will attempt to resolve the dispute informally for at least 30 days. Arbitration: If we cannot resolve the dispute informally, either party may commence arbitration. The arbitration will be administered by a reputable arbitration provider (such as AAA or JAMS) under its applicable rules, as modified by these Terms. The arbitrator may award the same damages and relief as a court could award on an individual basis. Class Action Waiver: YOU AND COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. Exceptions: Either party may bring an individual action in small claims court if eligible. Either party may also seek injunctive or equitable relief in court for alleged infringement or misappropriation of intellectual property rights. Opt-Out: You may opt out of this arbitration agreement by sending written notice to support@phirise.com within 30 days of first accepting these Terms. Your opt-out notice must include your name, the email address associated with your account, and a clear statement that you want to opt out of arbitration.

To use certain features of the Service, you must create an account and provide accurate, current information. You are responsible for maintaining the confidentiality of your credentials and for all activities that occur under your account, including activities performed by any authorized users you invite (if applicable). You agree to promptly notify us at support@phirise.com of any unauthorized access to or use of your account. Account Security Obligations: You are responsible for maintaining the confidentiality and security of your account credentials. You agree to: (a) use a strong, unique password; (b) enable multi-factor authentication when available; (c) not share your credentials with unauthorized persons; (d) promptly notify Company at support@phirise.com of any unauthorized access or suspected security breach involving your account; and (e) take reasonable steps to mitigate any potential harm following a suspected incident. Company is not liable for any loss or damage arising from your failure to comply with these obligations. Duty to Mitigate: If you become aware of any actual or suspected unauthorized access to your account, data, or connected integrations, you agree to take prompt reasonable action to mitigate potential harm, including changing passwords, disconnecting affected integrations, and notifying Company. Failure to promptly mitigate may limit Company's liability for resulting damages.

Subject to these Terms, Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes (or personal purposes, if applicable), in accordance with these Terms. You may not (a) reverse engineer, decompile, or attempt to discover the source code of the Service (except to the extent such restrictions are prohibited by law); (b) interfere with or disrupt the Service; (c) access the Service to build a competing product; or (d) resell or sublicense the Service except as expressly permitted by Company in writing.

"User Content" means any information, materials, prompts, documents, audio, images, financial records, proof records, field observations, and other content you submit to the Service, as well as any results, responses, or outputs generated by the Service based on your inputs ("Outputs"). As between you and Company, you retain your rights in your User Content, and Company retains its rights in the Service and underlying technology. You are responsible for your User Content, including ensuring you have all rights needed to provide it and that it does not violate law, contract, confidentiality duties, community rights, or third-party rights. License to Company: You grant Company a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and create technical derivatives of your User Content solely as necessary to provide, maintain, secure, support, troubleshoot, enforce, and improve the Service as described in these Terms, our Privacy Policy, your settings, and applicable law. No Shared Model Training by Default: We do not use identifiable User Content, private conversations, financial data, source documents, proof records, field observations, or business records to train or fine-tune general-purpose models shared across customers unless you explicitly opt in through a separate consent flow. We do not provide your identifiable User Content to third-party AI model providers for those providers to train their own models. Product AI Processing: When you ask the Service to generate an Output or analyze business context, we may process the relevant User Content through Company systems and contracted AI providers solely to provide the requested feature, personalize your business experience, apply safety and abuse controls, and maintain the Service. Personalization for your business does not make your identifiable data available to other users. Operational Improvement: We may use usage metrics, diagnostics, audit logs, security events, product telemetry, human feedback you submit, and aggregated or de-identified information to maintain, debug, secure, evaluate, and improve the Service. Where we use de-identified information, we will maintain it in de-identified form where required by law and will not attempt to re-identify it. Consent-to-Intelligence and Proof Rewards: We may offer optional programs that let you contribute redacted proof patterns, evaluation examples, field observations, or other reviewed data to improve Phirise intelligence or create partner datasets in exchange for credits, product capacity, or other benefits. Participation is optional and requires a separate consent that describes the contribution scope, permitted uses, rewards, retention, revocation limits, and forbidden uses. No reward program gives you cash value, equity, securities, or ownership in Company unless a separate written agreement expressly says so. Outputs: Due to the nature of AI systems, Outputs may be inaccurate, incomplete, stale, biased, or unsuitable, and similar or identical Outputs may be generated for other users. You are responsible for evaluating Outputs and deciding whether to rely on them.

You agree not to use the Service to: (a) violate any law or regulation; (b) infringe, misappropriate, or otherwise violate third-party rights; (c) upload or transmit malware, spyware, or harmful code; (d) perform or facilitate fraud, impersonation, deception, or the creation of misleading content; (e) generate or distribute content that is unlawful, abusive, harassing, hateful, or otherwise objectionable; (f) attempt to bypass safety controls, rate limits, credit limits, or approval gates; (g) scrape, crawl, or systematically extract data from the Service except as permitted by law and our robots instructions; (h) interfere with or disrupt the Service; (i) use the Service in a manner that could cause substantial harm to any person, community, property, or natural environment; (j) generate false, misleading, or deceptive business, financial, impact, ecological, or proof records; (k) reverse engineer, manipulate, or exploit our AI models, proof systems, or operating-review algorithms; or (l) submit fraudulent documents or manipulate financial integrations (e.g., Plaid, Stripe, QuickBooks) to artificially inflate business metrics, verified profiles, proof records, or rewards. You are solely responsible for how you use the Service and for any decisions you make based on Outputs.

You agree to indemnify, defend, and hold harmless Company and its officers, directors, employees, contractors, and agents from and against any third-party claim, demand, action, or proceeding arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms or applicable law; or (d) your alleged infringement, misappropriation, or violation of any third-party rights. Company reserves the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense.

THE SERVICE (INCLUDING ANY AI-GENERATED OUTPUTS) IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY DISCLAIMS ALL WARRANTIES AND CONDITIONS OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT. AI LIMITATIONS: Outputs may be incorrect, incomplete, misleading, biased, or stale, and may not reflect real-world facts. Outputs are for informational purposes only and are not professional advice (including legal, financial, medical, accounting, tax, investment, environmental, or management advice). You should independently verify Outputs before relying on them. THIRD-PARTY SERVICES: The Service may integrate with third-party services (including payment processors, financial data aggregators, AI model providers, communication services, and cloud infrastructure). Company is not responsible for third-party services and makes no warranties regarding them. Not a Lender or Credit Reporting Agency: Phirise provides operating review, proof, financial context, and business-intelligence features. We are not a lender, broker, bank, financial institution, credit repair organization, or Consumer Reporting Agency under the Fair Credit Reporting Act. We do not issue credit, approve loans, make lending decisions, or provide consumer reports. Any financial context, proof-readiness signals, projections, or business insights are for informational purposes only. Final credit, funding, investment, purchasing, hiring, grant, certification, or partnership decisions are made by third parties, and Phirise is not responsible for those decisions. AI Recommendations and Strategies: The Service may generate business recommendations, strategies, projections, analyses, market insights, proof drafts, stakeholder updates, and operational suggestions ("Recommendations"). Recommendations are generated with artificial intelligence and are provided for informational and educational purposes only. You should consult qualified professionals before making material business, financial, legal, tax, investment, employment, safety, environmental, or community-impact decisions based on Recommendations. Assumption of Risk: YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOU ASSUME ALL RISK ARISING FROM YOUR USE OF, RELIANCE ON, OR ACTIONS TAKEN BASED ON ANY AI-GENERATED OUTPUTS, RECOMMENDATIONS, OR STRATEGIES PROVIDED BY THE SERVICE. You are responsible for evaluating the accuracy, completeness, freshness, sensitivity, and suitability of any Recommendations before acting on them. Company shall not be liable for business losses, missed opportunities, reputational harm, stakeholder reactions, ecological harm, community harm, or other damages resulting from your reliance on or implementation of Recommendations except to the extent liability cannot be limited under applicable law. No Guarantee of Business Outcomes: Company does not guarantee any particular business result, revenue, growth, funding, cost savings, stakeholder acceptance, credit outcome, certification outcome, environmental outcome, or other result from your use of the Service or implementation of any Recommendations. Projections and forecasts generated by the Service are estimates only and should not be relied upon as predictions of future results. Agentic Actions and Business Outcomes: Where the Service performs actions on your behalf through connected integrations (e.g., sending communications, generating documents, creating invoices, scheduling tasks, or calling external APIs), you acknowledge that sensitive actions should be reviewed and approved through our human-in-the-loop approval system where available, and that you remain responsible for all consequences of actions you authorize. Security: We implement commercially reasonable administrative, technical, and organizational security measures. No method of electronic transmission or storage is completely secure. Company does not warrant or guarantee absolute security and shall not be liable for unauthorized access, data breach, or security incident except to the extent caused by Company's gross negligence, willful misconduct, or other liability that cannot be limited under applicable law. Third-Party Processors and Integrations: The Service relies on third-party service providers for hosting, data storage, payment processing, financial data aggregation, AI model inference, communications, monitoring, and other functions. To the maximum extent permitted by law, Company is not responsible for a data breach, security incident, service disruption, or data loss caused by or originating from a third-party service provider, except where Company failed to meet a legal obligation that cannot be limited by contract. Force Majeure: Company shall not be liable for failure or delay in performing its obligations caused by circumstances beyond its reasonable control, including natural disasters, pandemics, government actions, internet infrastructure failures, third-party service outages, cyberattacks, distributed denial-of-service attacks, ransomware, state-sponsored attacks, or zero-day exploits, provided that this clause does not excuse Company's obligations to use legally required security measures or provide legally required notices.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY, FUNDING OPPORTUNITY, STAKEHOLDER RELATIONSHIP, OR REPUTATION, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY'S TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS (US$100) OR (B) THE AMOUNTS PAID BY YOU TO COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. WITHOUT LIMITING THE FOREGOING, COMPANY SHALL NOT BE LIABLE FOR DAMAGES ARISING FROM: (I) YOUR RELIANCE ON OR IMPLEMENTATION OF AI-GENERATED RECOMMENDATIONS, STRATEGIES, PROJECTIONS, ANALYSES, OR PROOF DRAFTS; (II) BUSINESS DECISIONS MADE BASED ON SERVICE OUTPUTS; (III) ACTIONS PERFORMED BY AI AGENTS OR CONNECTED INTEGRATIONS THAT YOU REVIEWED, APPROVED, OR AUTHORIZED; OR (IV) ANY INACCURACY, INCOMPLETENESS, STALENESS, OR UNSUITABILITY OF AI-GENERATED CONTENT FOR YOUR PARTICULAR BUSINESS CIRCUMSTANCES. DATA SECURITY INCIDENTS: THE LIABILITY LIMITATIONS AND DAMAGES EXCLUSIONS SET FORTH ABOVE APPLY TO CLAIMS ARISING FROM OR RELATED TO ANY DATA BREACH, SECURITY INCIDENT, UNAUTHORIZED ACCESS, OR DATA LOSS, WHETHER CAUSED BY COMPANY, THIRD-PARTY PROVIDERS, OR MALICIOUS ACTORS, EXCEPT TO THE EXTENT SUCH LIMITATION IS PROHIBITED BY APPLICABLE LAW.

These Terms remain in effect until terminated by you or Company. We may suspend or terminate your access to the Service (including your account) at any time if we reasonably believe you have violated these Terms, pose a security risk, or if we are required to do so by law. Upon termination, your right to access the Service will cease. We may delete or de-identify certain User Content as part of normal operations, subject to our Privacy Policy, legal obligations, and reasonable backup/archival practices. Data Export: Upon termination or account closure, you will have 30 days to export your data (including User Content, documents, and business data) through the Service's export features or by contacting support@phirise.com. After the 30-day export window, we may permanently delete your data in accordance with our Data Retention and Disposal Policy. We are not obligated to retain or provide copies of your data after the export window has closed, except as required by applicable law.

Changes: We may update these Terms from time to time. If we make material changes, we will provide notice (for example, by email or by posting a notice in the Service). Your continued use of the Service after the effective date of the updated Terms constitutes acceptance. Plans, Subscriptions, and Credits: The Service is offered through self-serve plans, which may include a free plan and paid subscriptions. Certain features require a paid subscription and/or the purchase or consumption of usage-based credits. Subscriptions may automatically renew unless you cancel through your account billing settings. Credits may be granted as part of your plan (e.g., daily or monthly credits) or purchased as add-ons. Daily and monthly plan credits reset periodically and generally do not roll over. Purchased credits are applied to your account upon successful payment and do not expire unless otherwise disclosed at the time of purchase. Credits have no cash value and are not legal tender. Except where required by law, payments are non-refundable. Proof Rewards and Intelligence Credits: Company may offer optional incentives, promotional credits, product capacity, discounts, or other non-cash benefits for completing verification steps, improving proof quality, contributing redacted examples, or participating in consented learning programs. Unless expressly stated in a separate written agreement, these benefits have no cash value, are not redeemable for money, are not transferable, and do not constitute wages, securities, equity, a partnership interest, or a revenue-share right. Company may modify, suspend, or terminate reward programs prospectively, subject to applicable law and any specific terms disclosed for the program. Participation in any contribution program is optional and governed by a separate consent flow. Cancellation and Click-to-Cancel: You can cancel a subscription through your account billing settings (or the same method used to subscribe). If you cancel, access to subscription features may continue until the end of the then-current billing period, unless otherwise stated at checkout. Agentic Actions and Integrations: Some features allow you to authorize our AI agents to perform actions on your behalf across connected services (for example, sending emails, creating invoices, calling external APIs, creating or updating documents/businesses, or interacting with third-party services). You control whether to enable these features and what permissions to grant. Phirise employs a Human-in-the-loop (HITL) approval system for sensitive actions (write, execute, network, and destructive permissions). You remain fully responsible for all actions taken by the AI agent on your behalf, for reviewing and approving actions before execution, for maintaining the security of any connected accounts, and for complying with third-party terms. Company is not responsible for third-party services, third-party fees, or actions taken based on inaccurate Outputs. Copyright and DMCA Complaints: If you believe that your copyrighted work has been infringed and is accessible via the Service, you may submit a notice to our designated Copyright Agent with the following information: (a) an electronic or physical signature of a person authorized to act on behalf of the copyright owner; (b) a description of the copyrighted work you claim has been infringed; (c) a description of where the allegedly infringing material is located within the Service; (d) your address, telephone number, and email address; (e) a statement that you have a good-faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf. Copyright Agent: Phirise, Inc., Attn: Legal - Copyright Agent, 2261 Market Street STE 86584, San Francisco, California 94114. Email: support@phirise.com. We may, at our sole discretion, remove or disable access to content that we believe violates these Terms or is alleged to be infringing, and we may terminate the accounts of repeat infringers. Governing Law: These Terms and any dispute arising out of or relating to these Terms or the Service will be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law principles. To the extent that any lawsuit or court proceeding is permitted under these Terms (including for matters excepted from arbitration), you and Company agree to submit to the personal and exclusive jurisdiction of the state and federal courts located in San Francisco County, California. Severability: If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions will remain in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent. Waiver: The failure of Company to enforce any right or provision of these Terms will not constitute a waiver of such right or provision. Any waiver of any provision of these Terms will be effective only if in writing and signed by Company. Assignment: You may not assign or transfer these Terms, or any rights or obligations hereunder, without Company's prior written consent. Company may assign these Terms, in whole or in part, without restriction, including in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Any attempted assignment in violation of this provision is void. These Terms bind and inure to the benefit of the parties and their permitted successors and assigns. Electronic Communications Consent: By creating an account or using the Service, you consent to receive electronic communications from Company (e.g., via email, in-app notifications, or push notifications). These communications may include notices about your account, transactional information, policy updates, and marketing messages (from which you may opt out). You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. Survival: The following sections will survive any termination or expiration of these Terms: Arbitration Notice, User Content (license grants), Indemnification, Disclaimers, Limitation on Liability, and any other provisions that by their nature should survive. Export Controls: You represent and warrant that you are not located in, or a resident or national of, any country subject to U.S. trade sanctions or embargoes, and that you are not on any U.S. government restricted party list. You agree to comply with all applicable export control laws and regulations in your use of the Service. Notices: Company may provide notices to you via email (to the address associated with your account), in-app notifications, or by posting on the Service. Notices are effective upon sending (for email) or posting (for in-app). You may send notices to Company at: Phirise, Inc., 2261 Market Street STE 86584, San Francisco, California 94114, or by email to support@phirise.com. Notices to Company are effective upon receipt. Entire Agreement: These Terms (together with the Privacy Policy) constitute the entire agreement between you and Company regarding the Service and supersede any prior agreements.

Support Team | Address: 2261 Market Street STE 86584, San Francisco, California 94114 | Telephone: (618) 591-2361 | Email: support@phirise.com