Terms of Use

These Terms of Use form a binding agreement between the individual or entity using FNDBL.ai ("User") and FNDBL.ai ("Company"). By accessing or using the Service, the User agrees to these Terms in full. If the User does not agree, the Service must not be used.

1. Definitions

"Service"
All websites, tools, software, dashboards, analysis engines, scoring systems, algorithms, documents, reports and related functionality provided by FNDBL.ai.

"Output"
All text, scores, assessments, recommendations, indicators, judgments, analyses, metrics, or other generated content produced through the Service.

"User Content"
All information uploaded, submitted or provided by the User, including pitch decks, financials, descriptions, plans, market data, internal documents and any other materials.

"Company Materials"
All models, algorithms, scoring frameworks, data structures, intellectual property, proprietary systems and documentation of the Company.

2. Acceptance of Terms

By accessing or using the Service, the User confirms:

1. They have read and understood these Terms.
2. They have authority to bind themselves or their organization.
3. They accept full responsibility for all decisions taken based on the Output.
4. They waive any right to claim damages arising directly or indirectly from the Service.

3. Service Description

FNDBL.ai provides automated analyses and informational assessments based on User Content. The Service is an informational tool only. It is not professional advice, financial analysis, investment guidance, due-diligence support, or a substitute for qualified professional judgment.

The Company may modify or discontinue any part of the Service at its sole discretion, without notice and without liability.

4. Eligibility

The Service is intended for business users. The User represents they are at least 18 years old and legally capable of entering into contracts.

5. User Responsibilities

The User is fully responsible for:

1. Ensuring the accuracy, legality and completeness of all User Content.
2. Verifying any Output independently before relying on it.
3. All decisions made or actions taken using or referencing the Output.
4. Compliance with all applicable laws related to their business activities.

The Company does not verify User Content and is not responsible for detecting errors, omissions, falsifications, IP infringements or regulatory breaches.

6. No Professional Advice

The Service does not constitute and must not be interpreted as:

• investment advice
• legal advice
• financial advice
• tax advice
• strategic business advice
• recommendations to pursue or avoid financing
• predictions of funding outcomes

The Output is generated automatically by algorithms and may be incomplete, inaccurate or speculative. The User agrees not to rely on it for investment decisions, valuation, due diligence, fundraising, reporting, or any regulatory purpose.

7. No Guarantees

The Company:

1. Provides no guarantee of accuracy, completeness or usefulness of the Output.
2. Offers no assurance of fundraising success, investor interest or commercial performance.
3. Does not validate User claims, numbers, strategies or assumptions.
4. Does not represent that any score or assessment reflects investor criteria or real-world probability.

8. User Content

The User warrants that they have all necessary rights to upload User Content. The User accepts full liability for any claims arising from their materials.

The Company has no obligation to store, maintain or return User Content. The Company may delete User Content at any time without liability.

9. License Granted by User

The User grants the Company a worldwide, irrevocable, royalty-free license to:

• process User Content
• analyze, transform and store User Content
• create Output
• use User Content and Output to improve the Service
• aggregate and anonymize User Content for benchmarking
• train machine learning models
• use aggregated or anonymized data for commercial purposes

The User waives all claims regarding how such aggregated or anonymized data is used.

10. Intellectual Property Rights of FNDBL.ai

All Company Materials, including scoring frameworks, benchmarks, methodologies, algorithms and report formats, are the exclusive property of the Company.

The User receives only a limited, non-exclusive, non-transferable license to view their Output.

The User may not reverse-engineer, copy, clone, sell, publish or redistribute the Service or Company Materials.

11. Data Usage and Processing

The Company applies a minimized GDPR-obligation stance. The User is responsible for ensuring that the User Content they upload complies with applicable data protection laws.

The User acknowledges that the Company may process personal or business data included in User Content.

12. Confidentiality and Security

The Company takes reasonable technical measures but does not guarantee security, availability or protection from unauthorized access. The Company is not liable for any breach, data loss or interception.

13. AI Output Disclaimer

The User acknowledges and agrees:

1. Output may be incorrect, biased, incomplete or contradictory.
2. Output is generated through probabilistic methods.
3. Output is provided with no warranty of accuracy.
4. The Company has no responsibility for decisions based on Output.
5. The User must independently validate all Output.

14. Limitation of Liability

To the maximum extent permitted by Dutch law:

1. The Company is not liable for any direct, indirect, incidental, consequential, punitive or special damages.
2. The Company is not liable for loss of funding, revenue, profit, goodwill, opportunities or data.
3. The Company is not liable for decisions made based on the Output.
4. The maximum aggregate liability of the Company is limited to the lower of:
   • the amount paid by the User in the preceding twelve months
   • EUR 100

This limitation applies even if the Company was advised of the possibility of damage.

15. Warranty Disclaimers

The Service is provided "as is" and "as available", without any warranties. The Company disclaims all implied warranties, including merchantability, fitness for a particular purpose, non-infringement, accuracy and reliability.

16. Indemnification

The User agrees to indemnify, defend and hold harmless the Company and its owners, officers, contractors and affiliates from any claim, demand, liability, damages, costs or expenses arising from:

• User Content
• User breach of these Terms
• User reliance on the Output
• User business decisions
• claims by investors, partners, employees or third parties
• regulatory or legal issues

This obligation survives termination.

17. Payment and Refunds

All payments are final and non-refundable. The Company may suspend access for failed or disputed payments.

18. Termination

The Company may suspend or terminate the User's access at any time, for any reason, without liability. Termination does not affect any accrued rights.

19. Governing Law

These Terms are governed exclusively by the laws of the Netherlands.

20. Arbitration and Dispute Resolution

Any dispute will be resolved through binding arbitration seated in Amsterdam. The User waives the right to participate in class actions, collective claims or consolidated proceedings.

21. No Class Actions

The User may bring claims only in an individual capacity.

22. Modifications to Terms

The Company may modify these Terms at any time. Continued use of the Service constitutes acceptance of the updated Terms.

23. Miscellaneous

If any provision is deemed unenforceable, the remaining provisions remain in effect. The User may not assign this agreement. The Company may assign it without restriction.