These Terms of Service ("Terms") govern your access to and use of the Finora platform at finora.services (the "Service"), operated by Finora ("Finora", "we", "us"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
These Terms are entered into between you (or, if you sign up on behalf of an organisation, the organisation you represent) and Finora.
1. The Service
Finora is a software-as-a-service platform that connects to your AI provider accounts read-only (OpenAI, Anthropic, Azure OpenAI, AWS Bedrock, Google Cloud, Cursor, xAI, and similar) and provides dashboards, alerts, forecasting, and reporting on your AI spend. Features available to you depend on your subscription plan.
2. Eligibility and account
- You must be at least 16 years old and able to enter into a binding contract.
- Account credentials are personal and confidential. You are responsible for all activity under your account.
- You must provide accurate registration information and keep it up to date.
- Notify us promptly at admin@finora.services if you suspect unauthorised access.
3. Trial, subscriptions, and billing
- Free trial. New accounts receive a 14-day free trial with limited features. No payment information is required to start a trial. At the end of the trial, you must subscribe to a paid plan to continue using the Service.
- Paid plans. Subscriptions are billed in advance on a recurring monthly or annual basis through Stripe. Prices are listed on our Pricing page and may be updated with at least 30 days' notice.
- Renewals. Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date.
- Refunds. Payments are non-refundable except as required by applicable consumer-protection law. EU consumers may have a statutory right of withdrawal where applicable; this right is waived by starting to use a digital service during the withdrawal period.
- Taxes. Prices are stated exclusive of VAT or other applicable taxes, which are added at checkout where required.
- Failed payments. If a payment fails, the Service may be suspended until the balance is resolved. We will notify you by email before suspension.
- Enterprise plans. Enterprise customers may be billed under a separate order form or invoice; in case of conflict, the signed order form governs.
4. Plan changes
You may upgrade or downgrade at any time. Upgrades take effect immediately and are prorated. Downgrades take effect at the end of the current billing period. Downgrading may reduce the features and data-retention window available to your account.
5. Acceptable use
You agree not to:
- Use the Service in violation of any law or third-party right.
- Connect provider credentials you are not authorised to use, or ingest data you do not have the right to access.
- Attempt to disrupt the Service, bypass rate limits, or probe for vulnerabilities outside an authorised disclosure process.
- Reverse-engineer, decompile, or copy the Service except where expressly permitted by mandatory law.
- Resell, sublicense, or use the Service to build a competing product.
- Upload malware, run automated scrapers, or perform load tests without our written consent.
We may suspend or terminate accounts that violate this section.
6. Provider credentials and Customer Data
- You retain all rights to the data you connect to Finora, including AI provider credentials and ingested billing data ("Customer Data").
- You grant Finora a worldwide, non-exclusive, royalty-free licence to host, process, transmit, and display Customer Data solely for the purpose of providing the Service to you.
- You are responsible for ensuring you have the right to share provider credentials with Finora and that doing so does not violate any agreement with the underlying provider.
- Finora stores provider credentials encrypted in Azure Key Vault, uses them only to read your billing data, and will delete them on request or on account deletion.
7. Privacy
Our Privacy Policy describes how we collect and use personal data. Where Finora acts as a processor for Customer Data, the parties' Data Processing Addendum (DPA) applies and is incorporated by reference. A copy of the DPA is available on request.
8. Service availability and support
- We aim to keep the Service available at all times but do not commit to a specific uptime percentage on Trial, Growth, or Scale plans. Enterprise customers may receive a contractual service-level commitment under their order form.
- Planned maintenance is announced in advance where reasonably possible.
- Support is provided by email at admin@finora.services during EU business hours. Response times vary by plan.
9. Intellectual property
The Service, including all software, design, content, and trademarks, is owned by Finora or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to access and use the Service for your internal business purposes during your active subscription. We retain all rights not expressly granted to you. You may submit feedback or suggestions about the Service; if you do, you grant us a perpetual, royalty-free licence to use them without restriction.
10. Third-party services
The Service connects to third-party platforms (such as your AI providers and Stripe). Those services are governed by their own terms and privacy policies; Finora is not responsible for their acts, omissions, downtime, or data-handling practices.
11. Disclaimers
Except to the extent prohibited by law, the Service is provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or that ingested data will exactly match your providers' own billing records. Forecasts and budget figures are estimates, not financial advice.
12. Limitation of liability
To the maximum extent permitted by law, Finora's total aggregate liability arising out of or related to these Terms or the Service is limited to the amount you paid to Finora in the twelve (12) months preceding the event giving rise to the claim. Finora will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, or business opportunities, even if advised of the possibility of such damages. Nothing in these Terms limits or excludes liability that cannot be limited or excluded under applicable law (including liability for fraud, gross negligence, or death or personal injury caused by negligence).
13. Indemnification
You agree to indemnify and hold Finora harmless from any claim arising out of (a) your violation of these Terms, (b) your Customer Data or your use of the Service in violation of law or a third-party right, or (c) your misuse of provider credentials. We will give you prompt notice of any such claim and reasonable cooperation in defending it.
14. Term and termination
- These Terms apply for as long as you have an account with us.
- You may cancel your subscription at any time from Settings → Billing and delete your account from Settings → Profile.
- We may suspend or terminate your access if you materially breach these Terms, fail to pay, or if continued provision would expose us to legal or security risk. Where reasonable, we will notify you first.
- On termination, your right to use the Service ends immediately. You may export your data before terminating; after deletion, data cannot be recovered.
- Sections that by their nature should survive (Privacy, Intellectual property, Disclaimers, Limitation of liability, Indemnification, Governing law) survive termination.
15. Changes to these Terms
We may update these Terms from time to time. Material changes will be notified by email or in-app at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not accept the changes, you may cancel before they take effect.
16. Governing law and disputes
These Terms are governed by the laws of the European Union member state where Finora is established, excluding its conflict-of-laws rules. Disputes will be submitted to the exclusive jurisdiction of the competent courts of that jurisdiction, except where mandatory consumer-protection law gives you the right to bring proceedings in your country of residence. The UN Convention on Contracts for the International Sale of Goods does not apply.
17. Miscellaneous
- If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in effect.
- Our failure to enforce a right is not a waiver of that right.
- You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets.
- These Terms, together with our Privacy Policy and any signed order form, constitute the entire agreement between you and Finora regarding the Service.
18. Contact
Questions about these Terms: