Acceptance of Terms
These Terms of Use ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and FinovoAI ("FinovoAI," "we," "us," or "our"), an independent AI strategy advisory firm headquartered in Kernersville, North Carolina. By accessing or using this website, including any content, tools, resources, client portal, or digital products made available through it, you acknowledge that you have read, understood, and agree to be bound by these Terms and all applicable laws and regulations.
FinovoAI reserves the right to modify these Terms at any time. Continued use of the website following any modification constitutes acceptance of the updated Terms. The effective date at the top of this page reflects the most recent revision.
Nature of Services & Advisory Relationship
FinovoAI provides independent AI strategy advisory services exclusively to community banks, credit unions, and related financial institutions with assets between $100 million and $10 billion. All website content, publications, frameworks, assessments, roadmaps, and downloadable resources ("Content") are provided for general informational and advisory purposes only.
FinovoAI operates solely as an independent advisory and consulting firm. We do not develop, sell, license, or deploy software platforms, banking technology systems, or application programming interfaces (APIs). No Content on this website should be construed as documentation for a technology product or software service.
Client Portal Access
Certain areas of this website require account registration and are accessible only to active FinovoAI clients at the applicable service tier (Readiness, Strategy, or Executive Advisory). By creating an account or accessing the client portal, you agree to:
- Provide accurate, current, and complete registration information.
- Maintain the confidentiality of your login credentials and restrict access to authorized personnel only.
- Notify FinovoAI immediately of any unauthorized use of your account or any suspected security breach.
- Accept full responsibility for all activity that occurs under your account.
- Refrain from sharing, transferring, or sublicensing portal access to any third party.
FinovoAI reserves the right to suspend or terminate portal access at any time for violation of these Terms, non-payment, or conduct deemed harmful to FinovoAI or its clients.
Digital Products & Purchases
FinovoAI may offer digital products, assessments, frameworks, and publications for purchase through this website. All purchases are subject to the following conditions:
- Digital products are delivered electronically and are non-refundable once accessed or downloaded, except where required by applicable law.
- Purchased products are licensed for your internal business use only and may not be resold, redistributed, or sublicensed.
- Pricing and product availability are subject to change without notice.
- FinovoAI does not guarantee that any digital product will produce a specific business outcome or satisfy any particular regulatory requirement applicable to your institution.
Intellectual Property
All Content on this website — including but not limited to text, frameworks, methodologies, graphics, logos, assessments, roadmaps, and downloadable documents — is the exclusive intellectual property of FinovoAI and is protected by United States copyright, trademark, and trade secret laws.
You may access and use Content for your own internal business evaluation and planning purposes. You may not, without the prior written consent of FinovoAI:
- Reproduce, copy, publish, or distribute any Content in any form or medium.
- Modify, adapt, translate, or create derivative works based on any Content.
- Use any Content for commercial purposes outside of your own institution.
- Remove or alter any copyright, trademark, or proprietary notices.
The FinovoAI name, logo, and A3 Framework (Assess, Architect, Accelerate) are proprietary marks of FinovoAI. Unauthorized use is prohibited.
Acceptable Use
You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:
- Use the website to transmit any unlawful, harmful, fraudulent, or offensive content.
- Attempt to gain unauthorized access to any part of the website, server, or connected systems.
- Use automated tools, bots, scrapers, or data mining software to extract Content without written permission.
- Impersonate FinovoAI, its principals, or any other person or entity.
- Interfere with or disrupt the integrity or performance of the website or its infrastructure.
Disclaimer of Warranties
This website and all Content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. FinovoAI expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
FinovoAI does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. FinovoAI makes no representations regarding the accuracy, completeness, or timeliness of any Content, including regulatory references. The AI regulatory and technology landscape is rapidly evolving; all Content reflects information available as of the publication date and may not reflect subsequent developments.
Limitation of Liability
This limitation applies regardless of the legal theory on which any claim is based, including contract, tort, negligence, strict liability, or otherwise. Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability; in such jurisdictions, FinovoAI's liability shall be limited to the maximum extent permitted by law.
Indemnification
You agree to indemnify, defend, and hold harmless FinovoAI and its principals, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of this website or any Content; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any decisions made by your institution based on Content accessed through this website.
Third-Party Links & References
This website may contain links to or references from third-party websites, regulatory agencies, industry publications, and research sources. These links are provided for informational convenience only. FinovoAI does not endorse, control, or assume responsibility for the content, accuracy, or availability of any third-party resource. Accessing third-party links is at your own risk and subject to those parties' own terms and privacy policies.
Privacy
Your use of this website is also governed by FinovoAI's Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how FinovoAI collects, uses, and protects information you provide through this website. By using this website, you consent to the data practices described in the Privacy Policy.
Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, without regard to its conflict of law provisions. Any dispute arising from or relating to these Terms or your use of this website shall be subject to the exclusive jurisdiction of the state and federal courts located in Forsyth County, North Carolina.
Before initiating formal legal proceedings, you agree to make a good-faith effort to resolve any dispute by contacting FinovoAI directly at the address listed below.
Severability & Entire Agreement
If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect. These Terms, together with the Privacy Policy and any executed engagement agreement, constitute the entire agreement between you and FinovoAI with respect to your use of this website.
Questions & Contact Information
If you have questions regarding these Terms of Use, please use our contact form and a member of our team will respond promptly.