Terms of Use
These Terms of Use explain how you may access and use the FinovoAI website at finovoai.com — including all articles, perspective pieces, frameworks, and downloadable materials published on it (the “Site”). By using the Site, you agree to these Terms. If you don’t agree, please stop using the Site.
This Site is owned and operated by FinovoAI, LLC, based in Kernersville, North Carolina.
What These Terms Cover
These Terms apply to the Site and all content freely available on it. They do not apply to paid advisory engagements, which are governed by separate written agreements between FinovoAI, LLC and the client institution.
This Is Informational Content, Not Professional Advice
Everything on this Site is provided for informational and educational purposes only. Nothing here constitutes legal, regulatory, compliance, financial, or professional advice, and nothing creates a professional or advisory relationship of any kind.
Please don’t make significant decisions based solely on what you read here. The right professional for your specific situation — whether legal counsel, a compliance officer, or a financial advisor — is always worth consulting.
FinovoAI’s Legal Disclaimer, incorporated here by reference, provides additional detail, including considerations specific to financial institutions.
Reading This Site Doesn’t Make Us Advisors
Visiting the Site, downloading materials, subscribing to updates, or sharing your email address does not create an advisory, consulting, or any other professional relationship between you and FinovoAI, LLC. A professional engagement only begins when both parties have signed a written agreement.
Intellectual Property
All content on this Site — including text, frameworks, checklists, perspective pieces, graphics, and the FinovoAI name and logo — belongs to FinovoAI, LLC and is protected by applicable copyright law.
You’re welcome to download and use Site content for your own internal, non-commercial purposes. If you want to reproduce, redistribute, publicly display, modify, or build on this content in any other way, please reach out for written permission first. These Terms don’t grant any license to FinovoAI’s intellectual property beyond what’s described here.
Email Communications
If you share your email address through the Site, you’re agreeing to receive occasional communications from FinovoAI: AI strategy updates, regulatory developments, and perspectives relevant to community financial institutions. These messages are infrequent and non-promotional.
You can opt out at any time by replying “unsubscribe” to any message, or by emailing adamw@finovoai.com.
We will never sell, rent, or share your email address with third parties. Your contact information is used only for the purpose you provided it.
Links to Other Sites
The Site may link to third-party websites for informational purposes. FinovoAI doesn’t endorse or control those sites and isn’t responsible for their content or practices. You visit them at your own discretion.
No Warranties
The Site and all content are provided “as is” without any warranties, express or implied. FinovoAI makes no guarantees about the accuracy, completeness, or timeliness of anything published here.
The regulatory and technology landscape this Site addresses moves quickly. Content may not always reflect the most current developments, and you should verify important information through appropriate channels.
Limitation of Liability
To the fullest extent permitted by law, FinovoAI, LLC is not liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of this Site or any of its content, including any reliance on information provided here. This applies regardless of the legal theory underlying any claim.
Your Responsibility
By using this Site, you agree to hold harmless and indemnify FinovoAI, LLC and its principal from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from your use of the Site, a violation of these Terms, or any decision you make in reliance on Site content.
Governing Law and Disputes
These Terms are governed by the laws of the State of North Carolina. Any dispute arising from your use of the Site will be resolved in the state or federal courts of Forsyth County, North Carolina, and you consent to jurisdiction there.
Changes to These Terms
FinovoAI may update these Terms from time to time. When changes are made, the version date at the top of this page will be updated. Continuing to use the Site after any update means you accept the revised Terms. We encourage you to check back periodically.
Severability
If any part of these Terms is found to be unenforceable, it will be adjusted to the minimum extent needed to make it valid. All other provisions remain in effect.
The Whole Agreement
These Terms, together with the FinovoAI Legal Disclaimer, represent the complete agreement between you and FinovoAI, LLC regarding your use of the Site. They supersede any prior understandings on that subject. Paid advisory engagements are governed exclusively by separate written agreements.
Contact
Questions about these Terms? Reach out directly.