Terms & Conditions

Last updated: 27 August 2026

1. Agreement

These Terms & Conditions (“Terms”) are a legally binding agreement between you and Finbotics (“we”, “us”, or “our”). They apply when you visit our websites, request a demo, create or use an account, sign in with Google or another identity provider, use our lending management systems and related software (the “Platform”), or receive implementation, support, consulting, training, or other operational services (together, the “Services”).

If you use the Services on behalf of an organisation, you represent that you have authority to bind that organisation, and “you” includes that organisation. Additional order forms, statements of work, master service agreements, or data processing terms may also apply. If there is a conflict with a signed commercial contract, that contract controls for the subject matter it covers.

By accessing or using the Services, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.

2. The Services

Finbotics provides software and services used to digitise and operate lending businesses. Depending on what you purchase or are granted access to, this may include unified lending management, loan origination, decision management, artificial intelligence and scoring tools, digital lending portals, loan servicing, reporting, integrations and APIs, and related operational assistance.

We may modify, enhance, or discontinue features with reasonable notice where practicable. We do not provide consumer lending, credit, or banking services to end borrowers unless a separate written agreement says otherwise. Our customers remain responsible for their lending programmes, credit decisions, and regulatory compliance.

3. Eligibility and accounts

The Services are intended for business and professional use. You must provide accurate information and keep it up to date. You are responsible for activity under your credentials and for keeping passwords and access tokens confidential. Notify us promptly of unauthorised use.

If you sign in with Google OAuth or a similar provider, you must comply with that provider’s terms as well as these Terms. We may rely on the identity and profile information the provider shares to create and administer your account. We may suspend or close accounts that are inaccurate, insecure, unused, or used in breach of these Terms.

Customer administrators may provision, restrict, or revoke user access. If your organisation requires you to use a corporate identity provider, personal Google accounts may not be permitted.

4. Customer content and lending data

You retain ownership of data, files, and other content you or your authorised users submit to the Platform (“Customer Data”). You grant us a limited licence to host, process, transmit, display, and otherwise use Customer Data solely to provide, secure, support, and improve the Services and to fulfil our contract with you.

You are responsible for the lawfulness of Customer Data, including borrower, applicant, and employee information; for providing any required notices and obtaining consents; and for configuring the Platform in line with applicable lending, consumer-protection, privacy, AML/KYC, and other laws. We process Customer Data as a service provider / processor except where we act as a controller as described in the Privacy Policy.

You must not submit Customer Data unless you have the rights and legal basis to do so. We may remove or restrict content that we reasonably believe is unlawful, infringing, or poses a security risk.

5. Acceptable use

You must not:

• use the Services for any unlawful, fraudulent, or unauthorised purpose;
• interfere with or disrupt the Platform, attempt unauthorised access, or probe our systems except under a written security-testing agreement;
• reverse engineer, scrape, or copy the Platform except to the extent such restriction is prohibited by law;
• resell, sublicense, or provide the Services to third parties except as expressly permitted;
• upload malware or content that infringes others’ rights;
• use identity providers, APIs, or OAuth tokens in a way that violates the provider’s policies; or
• misrepresent your identity, organisation, or authority to bind a customer.

We may investigate and suspend access for suspected violations.

6. Third-party services and OAuth

The Services may interoperate with third-party products, including Google, core banking systems, bureaus, KYC providers, payment rails, analytics, and hosting. Third-party services are governed by their own terms and privacy policies. We are not responsible for third-party outages, policy changes, or data handling except to the extent caused by our failure to meet these Terms.

Google and other OAuth providers may change scopes, branding, or availability. We will use information received from those providers only as described in the Privacy Policy and the applicable provider policies, including the Google API Services User Data Policy.

7. Intellectual property

We and our licensors own the Platform, documentation, trademarks, models, workflows, and all related intellectual property. Except for the limited right to use the Services during the subscription or engagement term, no rights are granted. Feedback you provide may be used by us without restriction or compensation.

You must not remove proprietary notices or use our name or marks without written permission, except to identify that you use our software where that is factually accurate.

8. Operational services

Implementation, configuration, training, support, and similar professional services are provided with reasonable skill and care. Timelines depend on your cooperation, timely access, and complete information. Unless a statement of work says otherwise, operational services are accepted as they are performed. Any estimates of lending performance, approval rates, or financial outcomes are illustrative and not guarantees.

9. Fees and taxes

Paid subscriptions, licences, and services are billed as set out in the applicable order, quote, or contract. Fees are exclusive of taxes unless stated otherwise. Unpaid amounts may result in suspension. Website demo and marketing requests do not create a paid contract until we and you agree in writing (including an accepted order).

10. Confidentiality

Each party may receive confidential information of the other. The receiving party will use that information only to perform under these Terms, protect it with at least reasonable care, and not disclose it except to personnel and providers who need it and are bound by confidentiality obligations, or as required by law with prior notice where legally permitted. Customer Data is your confidential information. The Platform, pricing not made public, and non-public product information are our confidential information.

11. Privacy

Our handling of personal information is described in the Privacy Policy. You must not use the Services in a way that causes us to violate that Policy or applicable privacy law.

12. Disclaimers

The website and, except as expressly stated in a signed contract, the Services are provided “as is” and “as available”. We do not warrant that the Services will be uninterrupted, error-free, or that credit decisions, scores, or models will achieve any particular result. You are responsible for validating configuration, business rules, and outputs before relying on them in production lending.

To the maximum extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

13. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, punitive, or lost-profit damages, or for loss of data, business, or goodwill, even if advised of the possibility.

Except for liability that cannot be limited by law, our aggregate liability arising out of or related to the website or unpaid trial use is limited to USD 100. For paid Services, our aggregate liability is limited to the amounts you paid us for the affected Service in the twelve (12) months before the claim, unless a signed contract sets a different cap.

These limits do not apply to your payment obligations, your infringement or misuse of the Services, or either party’s liability for fraud or wilful misconduct to the extent such liability cannot be limited.

14. Indemnity

You will defend and indemnify us against claims, losses, and expenses (including reasonable legal fees) arising from Customer Data, your lending programmes, your misuse of the Services, or your violation of these Terms or applicable law, except to the extent caused by our wilful misconduct.

15. Term and termination

These Terms apply until you stop using the website or, for paid Services, until the subscription or statement of work ends. We may suspend or terminate access immediately for material breach, legal risk, or non-payment. On termination, your licence ends and you must stop using the Platform. We will make Customer Data available for export for a reasonable period where contractually required, then delete or de-identify it in accordance with the Privacy Policy and our agreement with you, except where retention is required by law.

Sections that by their nature should survive (including intellectual property, confidentiality, disclaimers, liability limits, and indemnity) will survive termination.

16. Governing law

These Terms are governed by the laws of the United Arab Emirates, without regard to conflict-of-law rules. Courts of Dubai, UAE, have exclusive jurisdiction, except that we may seek injunctive relief in any jurisdiction to protect our intellectual property or confidential information. If a signed contract specifies different governing law or venue, that contract controls for the Services it covers.

17. Changes

We may update these Terms from time to time. The “Last updated” date will change when we do. For website visitors, the updated Terms apply when posted. For paying customers, material changes take effect on the next renewal or as otherwise required by the contract, except where a change is required by law or a third-party provider (including Google) on shorter notice.

18. General

These Terms, the Privacy Policy, and any applicable order or contract are the entire agreement for the subject matter. You may not assign these Terms without our consent; we may assign them in connection with a corporate transaction. If a provision is unenforceable, the remainder remains in effect. Failure to enforce a provision is not a waiver. There are no third-party beneficiaries except as expressly stated.

19. Contact

Questions about these Terms: hi@finbotic.ai

You can also reach us through our Contact Us page, or write to IFZA Dubai Building A1, Unit 001, Dubai Digital Park, Dubai Silicon Oasis.

See also our Privacy Policy.