These Terms of Service (“Terms”) govern your access to and use of the software-as-a-service product offered by Crunchfin, operated by Daniel Hellwig (the “Provider,” “we,” “us,” or “our”). By subscribing to or using the service (“Service”), you (“you,” “your,” “Customer,” or “Subscriber”) agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Services
The Service provides tiered subscription access to a browser based AI data analytics platform that allows users to upload datasets, explore and refine them conversationally, and automatically perform data structuring, joins, enrichment, SQL-style processing, private-model reasoning, pattern detection and automatic documentation.

We may add, modify, suspend, or discontinue features or functionality of the Service at any time, with or without notice.

2. Accounts, Passwords, and Security
2.1 To use the Service, you must create an account and provide accurate and complete information.
2.2 You are fully responsible for all activity under your account and must maintain the confidentiality of your credentials.
2.3 You must notify us immediately if you suspect unauthorized use or security compromise.
2.4 We are not liable for any loss or damage resulting from your failure to safeguard your account access.

3. Subscriptions, Billing, and Payment
3.1 The Service is offered on a subscription basis. You agree to pay the fees shown on our website or in your order form, including taxes.
3.2 Subscriptions automatically renew for successive periods unless cancelled in accordance with these Terms.
3.3 We may change subscription pricing with reasonable notice. Continued use after pricing changes constitutes acceptance.

4. Refund Policy
4.1 All subscription fees are billed in advance.
4.2 We offer refunds within thirty calendar days of the initial purchase of a new subscription plan if you are not satisfied with the Service. To request a refund, you must contact us at the email listed in Section 13 and provide your account email and proof of purchase.
4.3 Refunds are not issued for:

• renewal periods that have already begun
• unused time within a current billing period
• partial subscription terms
• plan downgrades during an active billing period

4.4 If a refund is approved, it will be processed to the original payment method. Processing times depend on the payment provider.
4.5 Promotional or trial offers may provide different refund options, as stated at the time of the offer.
4.6 Access to the Service may be suspended immediately upon issuance of a refund.

5. Use of the Service
5.1 You grant us the right to provide the Service to you and to process your data as necessary to deliver, support, enhance, and secure the Service.
5.2 You must use the Service only for lawful purposes and in compliance with these Terms and any acceptable-use rules we publish.
5.3 You may not use the Service to store, process, or transmit unlawful, harmful, infringing, or otherwise objectionable content.
5.4 You retain ownership of the data you upload (“Customer Data”). You represent and warrant that you have all rights and permissions necessary to provide Customer Data and to authorize our processing of it.

6. Intellectual Property
6.1 All rights in and to the Service (including software, UI, documentation, text, graphics, and other materials) belong to Provider or its licensors.
6.2 Except for the limited rights expressly granted, these Terms do not transfer any intellectual property rights.
6.3 Subject to your compliance with the Terms, you receive a non-exclusive, non-transferable, non-sublicensable license to access and use the Service during the subscription period for your internal business purposes.

7. Privacy and Data Protection
Your use of the Service is subject to our Privacy Policy at [link]. By using the Service, you consent to the collection and use of information as described therein. We will process Customer Data in accordance with applicable data protection laws and our Privacy Policy.

8. Warranties and Disclaimers
8.1 We will provide the Service using reasonable skill and care.
8.2 Except as expressly stated, the Service is provided “as is” and “as available.” We disclaim all other warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, or uninterrupted availability.
8.3 We do not guarantee that the Service will be error-free, secure, or available at all times.

9. Limitation of Liability
9.1 To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including loss of profits, data, or business interruption.
9.2 Our total liability for all claims arising under these Terms will not exceed the amount paid by you for the Service in the twelve months preceding the event giving rise to liability.

10. Indemnification
You will indemnify, defend, and hold harmless the Provider and its affiliates and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use of the Service, your violation of the Terms, or your violation of applicable law.

11. Term and Termination
11.1 These Terms remain in effect while you use the Service.
11.2 You may terminate your subscription at any time in accordance with our cancellation procedures.
11.3 We may suspend or terminate your access immediately if you breach these Terms or if your conduct risks harm to the Service or other users.
11.4 Upon termination, your right to use the Service ends. Sections 5 through 13 will survive termination.

12. Governing Law and Dispute Resolution
These Terms are governed by the laws of Delaware. Any disputes will be resolved exclusively in the courts of Delaware.

13. Changes to Terms
We may update these Terms periodically. If updates are material, we will notify you by email or via the Service. Continued use of the Service after changes become effective constitutes acceptance.

14. Miscellaneous

14.1 If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect.
14.2 Failure to enforce a provision does not constitute a waiver.
14.3 You may not assign these Terms without our written consent. We may assign these Terms without restriction.
14.4 These Terms constitute the entire agreement between you and the Provider regarding the Service and supersede all prior agreements or understandings.

Provider Contact Information
Crunchfin (sole proprietor)
Daniel Hellwig
1935 Manning St.
Philadelphia, PA 19103

dh@crunchfin.ai
+1 (215) 796-4975