Terms of Service

By accessing, using, or registering for B:Side Assist (the “Platform,” “Service,” or “BSideAssist”), operated through the domain bsideassist.ai, you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms,” “Agreement,” or “TOS”). If you are using the Platform on behalf of an organization, business, or other legal entity, you represent and warrant that you have the authority to bind such entity to these Terms, and “you” and “your” shall refer to such entity.

You must be at least 18 years of age and have the legal capacity to enter into contracts to use the Platform. By using the Service, you represent and warrant that you meet these eligibility requirements. If you are accessing the Platform on behalf of a business entity, you further represent that such entity is validly existing and in good standing under the laws of its jurisdiction of formation.

We reserve the right to modify these Terms at any time. We will notify registered users of material changes via email to the address associated with your account. Your continued use of the Platform after such modifications constitutes acceptance of the updated Terms.

B:Side Assist is an AI-powered financial management platform designed for small businesses. The Platform provides tools and services for financial analysis, transaction monitoring, document intelligence, and business insights through the integration of banking data and artificial intelligence technologies.

The Platform currently offers the following features and functionalities:

The Platform is provided on an “as-is” and “as-available” basis. We do not guarantee uninterrupted or error-free operation of the Service. Scheduled maintenance, updates, and unforeseen technical issues may result in temporary service interruptions.

The Platform integrates with and relies upon the following third-party services. Your use of the Platform constitutes acceptance of data sharing with these services as described below:

You acknowledge and agree that:

• The Platform's functionality depends on the availability and proper operation of these third-party services
• We are not responsible for any interruption, degradation, or failure of third-party services
• Each third-party service is governed by its own terms of service and privacy policy
• We do not control and are not responsible for the data handling practices of third-party services beyond our selection and configuration of such services

The Platform uses multiple AI systems and providers. The specific models may change over time as we improve quality, safety, and reliability.

You agree to:

• Independently verify all AI-generated insights and recommendations
• Not rely solely on AI outputs for critical business decisions
• Review and validate AI-detected anomalies before taking action
• Understand that AI features are tools to assist, not replace, human judgment
• Report any concerning or obviously incorrect AI outputs

To access the full features of the Platform, you must create an account by providing:

• Valid email address
• First and last name
• Business information (if applicable)
• NAICS code (if applicable for business classification)
• Other information as requested during registration

The Platform currently supports the following account types:

• Standard Account: Basic access to Platform features
• Premium Account: Enhanced features and capabilities (details to be determined)

Your user profile may include:

• Personal identification information
• Business details (stored as JSONB)
• Profile image (stored as base64 encoded data)
• NAICS code for business classification
• Premium status indicator
• Member since date
• Last login timestamp
• Plaid user token for banking connections

The Platform collects information you provide directly, information generated through your use of the Platform, and (if you connect third-party services) information received from those services (for example, banking data via Plaid). For additional detail, please review our Privacy Policy.

• Account information: email address, name, and business profile details you provide
• Connected financial data: account metadata, balances, and transactions from connected accounts
• Communications: chat messages, support requests, and feedback you submit
• Documents: files you upload and derived data needed for document search/Q&A
• Derived analytics: categorization, anomaly detection signals, and other computed insights
• Usage and security data: session identifiers and logs for security, debugging, and abuse prevention

We use collected information to:

• Provide and maintain Platform services
• Process and analyze financial transactions
• Train and improve machine learning models
• Generate personalized financial insights
• Send transactional emails and alerts
• Respond to support requests
• Comply with legal obligations
• Improve Platform functionality and user experience

We implement security measures including:

• Row-Level Security (RLS) enabled with policies restricting users to their own data
• HTTPS encryption for data in transit
• Secure storage of authentication tokens
• Masked account numbers (showing only last 4 digits)
• Environment-based configuration separation
• Regular security assessments and ongoing remediation of identified issues

We share your data only:

• With third-party services listed in Section 4 as necessary for Platform operation
• When required by law or legal process
• With your explicit consent
• In connection with a merger, acquisition, or sale of assets (with notice)
• To protect the rights, property, or safety of B:Side Assist, our users, or others

By connecting your bank accounts through Plaid, you:

• Authorize read-only access to your financial accounts
• Understand that we receive account and transaction information
• Acknowledge that account numbers are masked for security
• Agree to Plaid's End User Services Agreement
• May revoke access at any time through Platform settings

Your banking data is used exclusively for:

• Displaying account balances and transaction history
• Analyzing spending patterns and trends
• Detecting anomalies and unusual transactions
• Generating financial insights and recommendations
• Creating alerts based on account activity
• Training user-specific machine learning models

IMPORTANT: B:Side Assist is not:

• A licensed financial advisor
• A registered investment advisor
• A broker-dealer
• A bank or credit union
• Licensed to provide investment advice
• Authorized to execute financial transactions on your behalf

All financial information and insights provided are for informational purposes only and should not be construed as financial, investment, tax, or legal advice.

The Platform:

• Synchronizes transactions via Plaid webhooks
• Categorizes transactions automatically
• Stores transaction history indefinitely unless deleted
• May cache transaction features for performance
• Uses transaction data for anomaly detection
• Excludes certain transaction types (loans, payroll, credit cards) from specific analyses

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You shall not:

If using the Platform for business purposes, you agree to:

• Provide accurate NAICS codes and business classifications
• Maintain current business information
• Ensure you have authority to bind your business
• Comply with all applicable business regulations
• Not misrepresent your business status or operations

The Platform, including all software, design, text, images, and other content (excluding User Content), is owned by B:Side Assist or its licensors and is protected by copyright, trademark, and other intellectual property laws. All rights not expressly granted are reserved.

Subject to compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Platform for your internal business purposes.

“B:Side Assist,” “BSideAssist,” and associated logos are trademarks of the Platform operator. You may not use these marks without express written permission.

Any feedback, suggestions, or ideas you provide regarding the Platform become our property and may be used without compensation or attribution to you.

The Platform integrates various third-party services and technologies. All third-party trademarks, service marks, and logos are the property of their respective owners.

The Platform offers the following membership tiers:

• Free Tier: Basic access to Platform features (specific limitations to be determined)
• Premium Tier: Enhanced features and capabilities (pricing to be determined)

Payment processing functionality is currently under development. When implemented:

• Payment terms will be clearly disclosed
• Billing will be recurring based on selected tier
• Cancellation policies will be provided
• Refund policies will be established

Premium status is indicated by a boolean flag in user profiles. Premium benefits and pricing will be communicated when the payment system is activated.

THE PLATFORM IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

THE PLATFORM DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. ALL INFORMATION, INSIGHTS, AND RECOMMENDATIONS ARE FOR INFORMATIONAL PURPOSES ONLY. CONSULT QUALIFIED PROFESSIONALS FOR ADVICE SPECIFIC TO YOUR SITUATION.

WE ARE NOT RESPONSIBLE FOR THE AVAILABILITY, ACCURACY, OR PERFORMANCE OF THIRD-PARTY SERVICES INTEGRATED WITH THE PLATFORM. INTERRUPTIONS OR FAILURES OF THIRD-PARTY SERVICES MAY AFFECT PLATFORM FUNCTIONALITY.

AI-GENERATED CONTENT MAY CONTAIN ERRORS, INACCURACIES, OR MISLEADING INFORMATION. WE MAKE NO WARRANTIES REGARDING THE ACCURACY OR RELIABILITY OF AI OUTPUTS. USERS MUST INDEPENDENTLY VERIFY ALL AI-GENERATED INSIGHTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• OUR LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE CLAIM
• WE SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• WE SHALL NOT BE LIABLE FOR LOST PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES
• WE SHALL NOT BE LIABLE FOR DECISIONS MADE BASED ON PLATFORM INFORMATION

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.

THE PLATFORM IS CURRENTLY IN BETA RELEASE STATUS. As a beta product:

• The Platform is in active development with ongoing feature additions and improvements
• Security vulnerabilities may exist and are being proactively identified and remediated by our development team
• Features, functionality, and system architecture are subject to change without notice
• Performance and stability may vary as we continue optimization efforts
• The Platform is undergoing continuous testing and enhancement

By using the Platform during beta, you acknowledge:

• Features may change, be removed, or not function as intended
• Data loss or corruption is possible
• Security vulnerabilities may exist
• Service interruptions are likely
• The Platform is not ready for mission-critical use
• Documentation may be incomplete or outdated

We encourage beta users to:

• Report bugs and security issues promptly
• Provide feedback on features and functionality
• Understand that reported issues may not be immediately resolved
• Not rely solely on the Platform for critical business operations

You agree to indemnify, defend, and hold harmless B:Side Assist, its officers, directors, employees, agents, licensors, and suppliers from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, resulting from:

• Your violation of these Terms
• Your violation of any third-party rights
• Your use or misuse of the Platform
• Your Content or information you provide
• Your business activities or operations
• Any unauthorized access to your account

We will:

• Promptly notify you of any claim subject to indemnification
• Allow you to control the defense or settlement (with our approval)
• Provide reasonable cooperation in the defense

The Platform retains:

• User Profiles: Indefinitely until account deletion requested
• Transaction Data: Indefinitely (synchronized from Plaid)
• Conversations: Retained while your account is active (unless deleted)
• Anomaly Models: All versions retained for model improvement
• Transaction Features: Cached derived data maintained for performance and analytics
• Alert History: Historical alert activity retained to provide auditability

• Financial Insights: 24-hour expiration with automatic refresh
• Document Embeddings: No automatic expiration
• OTP Codes: 10-minute expiration with automatic deletion
• Session Cookies: 30-day expiration

You may request deletion of your personal data by contacting support. Note that:

• Some data may be retained for legal compliance
• Aggregated or anonymized data may be retained
• Backup systems may retain data temporarily
• Financial records may be subject to retention requirements

You may terminate your account at any time by:

• Submitting a deletion request through the Platform
• Contacting support at verification@bsideassist.ai
• Removing Plaid connections to financial institutions

We may suspend or terminate your account if:

• You violate these Terms
• You provide false or misleading information
• Your account poses a security risk
• Required by law or legal process
• The Platform ceases operations

Upon termination:

• Your access to the Platform will be disabled
• Your data may be deleted (subject to legal requirements)
• Licenses granted to you terminate immediately
• Sections of these Terms that should survive will remain in effect
• You remain liable for any outstanding obligations

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Any claim arising from these Terms must be brought within one year after the cause of action accrues. Otherwise, such cause of action is permanently barred.

The Platform is operated from the United States and primarily intended for users in the United States. We make no representations that the Platform is appropriate or available for use in other locations.

You may not use, export, or re-export the Platform in violation of U.S. export laws and regulations or any applicable local laws in your jurisdiction.

If you access the Platform from outside the United States:

• You do so at your own initiative and risk
• You are responsible for compliance with local laws
• You consent to data transfer to the United States
• You acknowledge that data protection laws may differ

For users in the European Economic Area:

• We act as data controller for personal data
• Legal basis for processing includes contract performance and legitimate interests
• You have rights under GDPR including access, rectification, and deletion
• Data transfers utilize appropriate safeguards
• Contact us for data protection inquiries

The Platform's AI systems may be subject to EU AI Act requirements:

• We provide transparency about AI models used
• High-risk AI system considerations apply to financial analysis
• Users can request human review of AI decisions
• We maintain logs of AI system operations

We reserve the right to modify these Terms at any time. Material changes will be communicated via:

• Email to registered users
• Platform notifications
• Prominent notice on the website

Your continued use of the Platform after changes constitutes acceptance. If you do not agree to modified Terms, you must discontinue use and terminate your account.

We maintain a record of Terms versions. You may request previous versions by contacting support.

These Terms, together with our Privacy Policy and any other legal notices published on the Platform, constitute the entire agreement between you and B:Side Assist.

If any provision of these Terms is deemed invalid or unenforceable, the remaining provisions shall continue in full force and effect.

No waiver of any provision of these Terms shall be deemed a further or continuing waiver of such provision or any other provision.

You may not assign or transfer these Terms or any rights hereunder without our prior written consent. We may assign our rights without restriction.

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and B:Side Assist.

By using the Platform, you consent to receiving electronic communications from us. These electronic communications satisfy any legal requirement that such communications be in writing.

Notices to you may be sent via:

• Email to your registered address
• Platform notifications
• Postal mail (if provided)

Notices to us should be sent to:

• Email: verification@bsideassist.ai
• Subject Line: “Legal Notice - Terms of Service”

To use the Platform, you must have:

• Modern web browser supporting JavaScript
• Cookies enabled for authentication
• Stable internet connection
• Valid email address

The Platform provides various API endpoints. Use of APIs is subject to:

• These Terms of Service
• Rate limiting as implemented
• Authentication requirements
• Potential additional API-specific terms

While we implement security measures, you acknowledge:

• No system is completely secure
• You share responsibility for account security
• You must report security issues promptly
• Active security remediation is ongoing