AI Disclosure

This AI-Assisted Financial Analysis, Scoring, and Matching Disclosure, Assumption of Risk, and Acknowledgment Agreement (this "Agreement" or the "AI Disclosure") is entered into by and between the technology software provider that owns and operates the underlying application platform, including its affiliates (the "Technology Software Provider," "Company," "we," "us," or "our"), and the entity or individual accepting this Agreement ("You" or "User"). The Technology Software Provider is identified in the platform's legal notices.

THIS AGREEMENT IS A LEGALLY BINDING CONTRACT.

By clicking "Apply Now," uploading documents, or otherwise accessing or using the Company's technology, You affirmatively assent to and agree to be bound by this Agreement.

1. Purpose and Applicability

This Agreement governs the Company's use of automated and algorithmic technologies, including artificial intelligence and large language model technologies ("AI Systems"), in connection with:

• Financial document analysis
• Financial scoring and risk indicators
• Eligibility and criteria matching
• Routing and packaging of information for lenders or funders

This Agreement applies to all AI-assisted outputs, whether generated automatically, reviewed by a human, or relied upon by a broker, lender, or third party.

2. AI-Assisted Processing and Scoring

The Company uses AI Systems to assist with the extraction, organization, normalization, and summarization of financial information contained in documents You provide, including bank statements, tax returns, and financial statements.

AI Systems may generate internal metrics, ratios, cash-flow summaries, scoring outputs, and eligibility indicators for internal evaluation and matching to lenders or funders, tax credits or grants, or expense-reduction programs only.

3. Express Disclaimers — No Underwriting; No Credit Decision

You expressly acknowledge, agree, and understand that:

• The Company is not a lender and does not extend credit.
• AI-assisted analyses, scores, indicators, and matching outputs are not underwriting.
• The Company does not approve, deny, price, guarantee, or fund transactions.
• No output constitutes a credit decision, eligibility determination, or recommendation.
• All lending decisions are made exclusively by third-party lenders or funders exercising independent judgment.

4. No Solely Automated Decision-Making

The Company does not engage in solely automated decision-making that produces legal or similarly significant effects.

All AI-assisted outputs are non-determinative, non-binding, and used solely as decision-support tools, subject to human review, broker discretion, and independent lender evaluation.

5. Accuracy Limitations; Assumption of Risk

You expressly acknowledge and agree that:

• AI-assisted outputs are probabilistic and inferential.
• Outputs may be inaccurate, incomplete, misleading, or erroneous.
• Errors may arise from document quality, formatting, data inconsistencies, or model limitations.

YOU ASSUME ALL RISK ASSOCIATED WITH THE USE OF AI-ASSISTED OUTPUTS, WHETHER REVIEWED BY A HUMAN OR NOT. ALL OUTPUTS ARE PROVIDED "AS IS," "AS AVAILABLE," AND "WITH ALL FAULTS."

6. User Verification Obligations

You are solely and exclusively responsible for:

• Reviewing all outputs.
• Verifying accuracy against source documents.
• Determining suitability for submission or reliance.
• Confirming compliance with lender requirements.

The Company has no obligation to detect, correct, or warn of errors.

7. No Guarantee; No Reliance

Use of the platform and AI Systems does not guarantee any outcome, including review, approval, funding, pricing, or availability of capital.

You agree that no reliance may be placed on AI-assisted outputs as advice, determinations, guarantees, or assurances of eligibility or success.

8. Third-Party AI Providers and Data Handling

The Company utilizes third-party technology and AI providers solely as service providers. Such providers:

• Receive only data necessary to perform processing.
• Retain limited logs for security and operational purposes.
• Do not train models using Your data.
• Are contractually bound by confidentiality and security obligations.

9. Authority to Provide Data; Third-Party Information

You represent, warrant, and covenant that:

• You have full authority to provide all submitted documents.
• You have obtained all required notices, rights, and consents.
• No submission violates privacy, confidentiality, or contractual obligations.

You bear sole responsibility for unauthorized or improper disclosures.

10. State Law Disclosures (Including CA & CO)

To the extent applicable under state privacy or artificial-intelligence laws:

• AI processing may constitute profiling for business purposes.
• No solely automated decisions with legal or similarly significant effects are made.
• Any statutory rights must be exercised as set forth in the platform's Privacy Policy.

This Agreement governs to the fullest extent permitted in business-to-business contexts.

11. Broad Indemnification; Hold Harmless

To the maximum extent permitted by law, You agree to indemnify, defend, and hold harmless the Company and its affiliates, officers, directors, employees, brokers, agents, AI providers, technology vendors, and subprocessors from any and all claims, actions, damages, losses, liabilities, penalties, fines, costs, and expenses (including attorneys' fees) arising out of or related to:

• Any data or documents You provide.
• Any reliance on AI-assisted outputs.
• Any use or misuse of outputs.
• Any disclosure of third-party information.
• Any dispute with a lender or funder.
• Any alleged regulatory, statutory, or legal violation.
• Any claim that outputs constituted advice, underwriting, decisions, or guarantees.

This obligation applies regardless of fault, regardless of human review, and survives termination — except, in each case, to the extent caused by the Company's gross negligence or willful misconduct.

12. Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF ACCURACY, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND UNINTERRUPTED OPERATION.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS TECHNOLOGY PROVIDERS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST OPPORTUNITIES, OR REPUTATIONAL HARM. THE COMPANY'S TOTAL AGGREGATE LIABILITY UNDER OR RELATING TO THIS AGREEMENT SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL OF ALL AMOUNTS PAID TO THE COMPANY BY YOU DURING THE SIX (6) MONTH PERIOD PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100), CONSISTENT WITH THE PLATFORM'S TERMS OF SERVICE.

14. Governing Law; Dispute Resolution; Venue

This Agreement shall be governed exclusively by the laws of the State of Indiana, without regard to conflict-of-law principles.

Any dispute, claim, or controversy arising out of or relating to this Agreement or the AI Systems shall be resolved through binding arbitration administered by the American Arbitration Association as set forth in the arbitration provision of the platform's Terms of Service, which is incorporated by reference, including its informal-resolution requirement, small-claims and injunctive-relief carve-outs, individual-capacity requirement, class-action waiver, jury-trial waiver, and thirty (30) day opt-out right. For any matter not subject to arbitration, the state and federal courts located in Hamilton County, Indiana shall have exclusive jurisdiction, and You irrevocably consent to personal jurisdiction in those courts and waive any objection to venue or forum non conveniens.

15. Relationship to Other Agreements

This Agreement supplements the platform's Terms of Service, Privacy Policy, and any Applicant Representations, Authorizations, and Disclosures accepted at application, each of which is incorporated by reference. In the event of a conflict, this Agreement controls with respect to AI Systems and AI-assisted outputs; the Privacy Policy controls with respect to the treatment of personal information; and any separately executed written agreement between You and the Company controls over all of the foregoing.

16. Survival; Severability

All provisions relating to AI usage, assumption of risk, indemnification, disclaimers, limitations of liability, and governing law shall survive termination. If any provision of this Agreement is held unenforceable, the remainder shall remain in full force and effect.