Terms of Service

1. Acceptance of Terms

By accessing and using DuoShield's financial risk management platform and services, you accept and agree to be bound by the terms and provisions of this agreement. These Terms apply to all users of the Services, including without limitation users who are browsers, customers, merchants, contributors of content, or other users of the Services.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms, in which case "you" will refer to such entity. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and may not use the Services.

2. Description of Service

DuoShield provides a comprehensive financial risk management platform designed for executives and CFOs that includes:

• Data ingestion from accounting systems, payment processors, and counterparty registries
• Machine learning algorithms to forecast cash gaps and concentration risks
• Configurable risk limits and stress-test scenarios
• Treasury early warning systems and automated alerts
• Board-ready reports and executive dashboards
• Compliance monitoring and regulatory reporting tools
• API access for system integrations
• Professional services including onboarding and audit support

Important Disclaimer: Our services provide data analysis and risk management tools but do not constitute financial advice, investment recommendations, or legal counsel. All outputs are for informational purposes only and should not be relied upon as the sole basis for financial decisions.

3. User Accounts and Registration

To access our Services, you must create an account and provide accurate, complete, and current registration information. You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring that your account information remains accurate and up-to-date
• Complying with all applicable laws and regulations in your use of the Services
• Using the Services only for lawful business purposes
• Maintaining appropriate internal controls and access management

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activities.

4. Data Ownership and Privacy

You retain ownership of all data you provide to our platform ("Customer Data"). By using our Services, you grant us a limited license to:

• Process your Customer Data to provide risk management services
• Store your Customer Data securely in accordance with our Privacy Policy
• Use aggregated, anonymized data for service improvement and research
• Share Customer Data with authorized users within your organization
• Backup and replicate Customer Data for disaster recovery purposes
• Process Customer Data as necessary to comply with legal obligations

We are committed to protecting your data privacy and security in accordance with our Privacy Policy and applicable data protection laws.

5. Acceptable Use Policy

You agree to use our Services responsibly and in compliance with all applicable laws. You agree not to:

• Use the Services for any unlawful purpose or in violation of any local, state, national, or international law
• Attempt to gain unauthorized access to our systems, other users' accounts, or computer networks
• Interfere with or disrupt the Services or servers and networks connected to the Services
• Upload, post, or transmit any content that contains viruses, malware, or other malicious code
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive source code from the Services
• Use automated systems or software to extract data from the Services without permission
• Impersonate any person or entity or falsely state or misrepresent your affiliation
• Violate the privacy rights of other users or collect personal information without consent
• Use the Services to compete with DuoShield or develop competing products
• Share your account credentials with unauthorized third parties
• Attempt to circumvent any security measures or access controls

6. Service Availability and Modifications

We strive to maintain high service availability and performance, but we cannot guarantee uninterrupted access to our Services. We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Services with reasonable advance notice
• Perform scheduled and emergency maintenance that may temporarily affect service availability
• Update features, functionality, and user interfaces to improve the Services
• Implement security patches and system upgrades as necessary
• Modify these Terms with appropriate notice to users
• Restrict access to certain features based on your subscription plan
• Set usage limits and quotas to ensure fair use of system resources

We will provide reasonable notice of material changes to the Services, except in cases of emergency maintenance or security updates.

7. Payment Terms and Billing

Our Services are provided on a subscription basis with the following payment terms:

• Subscription fees are charged in advance for each billing period (monthly or annually)
• All fees are stated in US dollars and are non-refundable except as required by law
• We may change our pricing with 30 days' written notice to existing customers
• Failure to pay may result in service suspension or termination after appropriate notice
• You are responsible for all taxes, duties, and assessments related to your use of the Services
• Additional charges may apply for API usage, premium support, or professional services
• Automatic renewal applies unless you cancel before the end of your billing period
• Refunds for annual subscriptions may be prorated in certain circumstances

8. Intellectual Property Rights

The DuoShield platform, including all software, algorithms, content, trademarks, and intellectual property, is owned by DuoShield and protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Services for your internal business purposes only, subject to these Terms.

This license does not grant you any rights to:

• Modify, adapt, or create derivative works based on the Services
• Distribute, sell, lease, or sublicense access to the Services
• Remove or alter any proprietary notices or labels
• Use our trademarks, logos, or brand elements without written permission

9. Disclaimers and Limitations

Not Financial Advice: Our Services provide data analysis and risk management tools but do not constitute financial, investment, legal, or tax advice. You should consult with qualified professionals before making financial decisions based on information provided by our Services.

Service Limitations: While we strive for accuracy and reliability, we cannot guarantee that our analysis will be error-free or that it will prevent all financial risks. Our Services are tools to assist in risk management, not guarantees of financial outcomes.

Third-Party Integrations: Our Services may integrate with third-party systems and data sources. We are not responsible for the accuracy, availability, or security of third-party services.

10. Limitation of Liability

To the maximum extent permitted by applicable law, DuoShield and its affiliates, officers, employees, agents, partners, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Business interruption or system downtime
• Cost of substitute goods or services
• Damage to reputation or goodwill

Our total liability for any claims arising from or related to these Terms or the Services shall not exceed the amount paid by you for the Services in the twelve (12) months preceding the claim.

11. Indemnification

You agree to indemnify, defend, and hold harmless DuoShield and its affiliates, officers, employees, agents, partners, and licensors from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the Services
• Your violation of these Terms or applicable laws
• Your Customer Data or any content you submit through the Services
• Your infringement of any intellectual property or other rights of any person or entity

12. Termination

Either party may terminate this agreement at any time with appropriate notice. Upon termination:

• Your access to the Services will be discontinued
• You may request export of your Customer Data within 30 days of termination
• We will delete your Customer Data in accordance with our data retention policies
• All outstanding fees and charges will become immediately due and payable
• Provisions that by their nature should survive termination will remain in effect

We may terminate your access immediately if you violate these Terms or engage in fraudulent or illegal activities.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Arizona, United States, without regard to conflict of law principles. Any disputes arising from these Terms or the Services shall be resolved through:

• Good faith negotiations between the parties
• Binding arbitration under the rules of the American Arbitration Association
• Arbitration proceedings conducted in Phoenix, Arizona
• Each party bearing their own costs and attorneys' fees unless otherwise awarded

14. Changes to Terms

We may update these Terms from time to time to reflect changes in our services, legal requirements, or business practices. We will notify you of material changes by:

• Posting the updated Terms on our website
• Sending email notifications to your registered email address
• Providing in-app notifications when you next access the Services
• Allowing a reasonable period for review before changes take effect

Your continued use of the Services after the effective date of any changes constitutes acceptance of the updated Terms.

15. Contact Information

For questions about these Terms of Service, please contact us: