Terms of Service

1. Acceptance

These Terms constitute a binding agreement between you and FinVerified, Inc. ("FinVerified"). By creating an account or using the Service, you agree to these Terms and our Privacy Policy.

2. Description of Service

FinVerified provides a Payment Pathway Compliance™ SaaS platform for dental and medical practices, DSOs, MSOs, and lender partners. FinVerified does not provide, manage, or facilitate patient financing. We are a compliance software platform, not a lender, payment processor, or financial institution. Compliance reports are software outputs — not legal advice or guarantees of regulatory compliance.

3. Accounts

You must provide accurate information and maintain account security. Notify us immediately at hello@finverified.ai if you suspect unauthorized access. We may suspend accounts that violate these Terms or present sanctions risk.

4. Fees

Subscription fees are as set in your order form. Standard pricing: $395/location/month on a month-to-month basis, or $345/location/month with a 12-month agreement (billed monthly). Customers on an annual agreement may elect to pay 12 months in advance for a 10% discount. Fees are billed in advance and are non-refundable. We may update pricing with 30 days' notice.

5. Acceptable Use

You agree not to: use the Service unlawfully; gain unauthorized access; interfere with infrastructure; reverse engineer the platform; transmit malicious code; sublicense access without permission; or violate applicable healthcare, financial services, or privacy laws. See our Acceptable Use Policy.

6. Intellectual Property

FinVerified owns all rights to the Service, including the MCF® training standard. You retain ownership of data you submit ("Customer Data") and grant FinVerified a limited license to process it to provide the Service.

7. HIPAA

A signed BAA is required before transmitting any PHI. Contact hello@finverified.ai to execute a BAA. Transmitting PHI without a signed BAA is a material breach.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS." FINVERIFIED DISCLAIMS ALL WARRANTIES INCLUDING MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. COMPLIANCE REPORTS ARE SOFTWARE OUTPUTS AND DO NOT CONSTITUTE LEGAL ADVICE.

9. Limitation of Liability

FINVERIFIED'S TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) $25,000 OR (B) FEES PAID IN THE PRIOR SIX MONTHS. IN NO EVENT SHALL FINVERIFIED BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES.

10. Indemnification

You agree to indemnify and hold harmless FinVerified and its officers, directors, employees, and agents from claims arising from your use of the Service or violation of these Terms.

11. Termination

Either party may terminate with 30 days' written notice. FinVerified may terminate immediately for material breach. Customer Data is available for export for 30 days after termination.

12. Governing Law and Disputes

Delaware law governs. Disputes not resolved in 30 days go to binding JAMS arbitration in Miami, Florida. Class action waiver applies.

13. Contact