1. Acceptance of these Terms

These Terms and Conditions (the “Terms”) are a legal agreement between you and Dolfin Technologies LLC (“Dolfin,” “we,” “us” or “our”). They apply when you access or use dolfinintelligence.com and any public webpages, materials, forms or demonstrations made available through it (collectively, the “Website”).

By accessing or using the Website, you agree to these Terms and acknowledge our Privacy Policy and the analytics disclaimer published on the Website, each of which is incorporated into these Terms by reference. If you do not agree, do not use the Website. If you use the Website on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf, and “you” includes that organization.

2. Eligibility and business use

You must be at least 18 years old and legally capable of entering into a binding agreement to use the Website. The Website is intended primarily for business and professional audiences, including credit unions, fintech lenders, other financial organizations and their authorized representatives. It is not directed to consumers seeking credit, account services or individual financial guidance.

3. About Dolfin Intelligence

Dolfin Intelligence provides information about governed AI intelligence, analytics and related services designed for financial organizations. Website content is provided for general informational and business-evaluation purposes only.

Descriptions of features, capabilities, security practices, integrations, performance, model behavior, roadmap items or anticipated outcomes are illustrative and may change. No Website statement creates a service-level commitment, warranty, regulatory certification, audit result or contractual obligation unless it is expressly included in a separate written agreement signed by Dolfin.

4. No financial, legal, compliance or professional advice

The Website does not provide financial, investment, lending, credit, legal, accounting, tax, regulatory or compliance advice. Information on the Website should not be treated as a recommendation, approval, eligibility determination or substitute for professional judgment. Nothing on the Website creates a fiduciary, advisory or agency relationship between you and Dolfin.

Your organization remains responsible for its decisions, policies, models, customer communications, legal obligations and regulatory compliance. You should obtain advice from qualified professionals where appropriate.

5. AI, analytics and human review

Dolfin is a governed analytics platform that enables authorized users to explore data, examine relationships and identify patterns, changes and signals. It does not make or recommend credit, lending, eligibility, pricing, collections, compliance or other business decisions, does not approve or decline members or customers, and does not provide financial, legal or regulatory advice.

AI-generated or analytical information may be incomplete, inaccurate, outdated or unsuitable for a particular purpose. Any output should be reviewed and validated by authorized personnel before it is used for a material business, compliance, member, customer, lending or credit-related action.

Dolfin is designed to support human teams, not to replace their expertise, oversight or accountability. You must not rely on Website content or a public demonstration as the sole basis for a decision that may materially affect an individual.

6. Notice to credit unions, lenders and other regulated institutions

If your organization is a credit union, bank, licensed lender or other regulated financial institution, you remain solely responsible for compliance with the laws and regulations that apply to your activities. Neither the Website nor any Dolfin service relieves you of that responsibility, and Dolfin does not act as your compliance function, model risk function or internal audit function.

Without limiting the above, you are responsible for:

• all credit, underwriting, pricing, servicing, collections and account decisions, and for any adverse action notice or statement of specific reasons required under the Equal Credit Opportunity Act, Regulation B or applicable state law;
• fair lending and fair banking obligations, including disparate treatment and disparate impact analysis, and for avoiding unfair, deceptive or abusive acts or practices;
• governance, validation, documentation, monitoring and periodic review of any model, analytic or output your organization puts into use, consistent with your regulator's supervisory expectations;
• your own third-party and vendor risk management program, including due diligence, contract requirements, ongoing monitoring and any required notice to or approval by your regulator; and
• Gramm-Leach-Bliley Act privacy and safeguards obligations, records retention, and any Bank Secrecy Act or anti-money-laundering determination, filing or escalation.

No statement on the Website should be read as a representation that using Dolfin will satisfy a supervisory expectation, examination requirement, regulatory standard or audit finding. Dolfin does not deliver required regulatory disclosures or notices to your members or customers on your behalf.

7. Demonstrations, sandboxes and evaluations

We may offer demonstrations, sample datasets, sandbox environments, trials or other evaluation access through or in connection with the Website. Unless a separate written agreement says otherwise, these are provided for illustration only, on an as-is basis, without support, availability commitment or warranty, and may be modified, limited or withdrawn at any time.

Do not enter live member, customer, borrower or applicant data, or any other production or nonpublic personal information, into a demonstration or evaluation environment. Use synthetic, masked or de-identified data unless Dolfin has expressly approved otherwise in writing under an appropriate agreement.

Outputs generated during a demonstration or evaluation are illustrative, do not reflect production results, and must not be used to make or support a decision affecting an individual. Evaluation access grants no license to the underlying software, models or methods beyond the limited right to view and assess them during the evaluation period.

8. Privacy, confidential information and sensitive data

Our collection and use of personal information through the Website are described in our Privacy Policy.

Do not submit confidential business information, nonpublic personal information, account credentials, payment-card data, protected health information, consumer reports, examination materials, suspicious activity reports or personally identifiable information through a general Website form or email unless Dolfin has expressly authorized the method of transmission.

Information you submit through a public Website channel is treated as non-confidential unless it is covered by a signed non-disclosure or customer agreement, or Dolfin has otherwise agreed in writing to treat it as confidential.

Customer data processed under a pilot, subscription or services engagement will be governed by the applicable written agreement and, where relevant, a data-processing or security addendum.

9. Permitted use

Subject to these Terms, Dolfin grants you a limited, revocable, non-exclusive, non-transferable right to access and use the Website for lawful internal business evaluation and informational purposes.

You may not:

• use the Website in violation of any law, regulation, contractual duty or third-party right;
• attempt to gain unauthorized access to the Website, related systems, accounts or data;
• probe, scan, test or circumvent security, authentication, access-control or rate-limiting measures except as permitted by Section 10;
• introduce malware, harmful code or content intended to disrupt or compromise the Website;
• scrape, harvest, copy or systematically extract Website content except as permitted by law or with our written consent;
• use an automated system, bot or crawler in a way that imposes an unreasonable load on our infrastructure;
• reverse engineer, decompile or attempt to discover nonpublic source code, models, methods or underlying components, except where a restriction is prohibited by law;
• misrepresent your identity, affiliation or authority; or
• use Website content or output to develop, train or improve a competing product, service or machine-learning model without our written permission.

10. Security testing and vulnerability reports

We welcome good-faith reports from security researchers. If you believe you have found a vulnerability, email security@dolfinintelligence.com with enough detail for us to reproduce the issue, and give us a reasonable period to remediate before any public disclosure.

If you conduct testing in good faith and in accordance with this section, Dolfin will not pursue legal action against you for that testing and will treat it as authorized. To stay within scope, you must limit testing to systems Dolfin operates; avoid privacy violations, data destruction, service degradation and denial-of-service testing; use only the minimum access needed to demonstrate the issue; stop immediately and report if you encounter personal or confidential data; and not retain, use or disclose that data. Social engineering, physical attacks and testing against third-party services are out of scope.

This section does not authorize testing on behalf of a sanctioned party or in violation of law, and it does not waive the rights of any third party.

11. Intellectual property

The Website and its content—including text, graphics, branding, logos, designs, software, documentation, page layouts and other materials—are owned by Dolfin or its licensors and are protected by intellectual-property laws. Dolfin Intelligence, the Dolfin name and associated marks may not be used without prior written permission.

Except for the limited right to use the Website under these Terms, no rights or licenses are granted to you by implication, estoppel or otherwise. If you send us suggestions or feedback, you permit Dolfin to use them without restriction or compensation, provided we do not identify you publicly without permission.

12. Communications, submissions and consent to contact

If you contact us, request information or submit materials through the Website, you represent that the information is accurate, that you have the right to provide it, and that doing so does not violate another person's rights or your organization's policies.

You grant Dolfin a non-exclusive, worldwide, royalty-free license to use, store, reproduce and process the materials you submit for the purpose of responding to your request, evaluating a potential business relationship and operating the Website. This license does not apply to data governed by a separate customer agreement, and it does not transfer ownership of your materials.

Email, telephone and text messages

You consent to receiving communications responsive to your request. If you provide a telephone number, you consent to being contacted at that number by Dolfin and its authorized representatives about your inquiry, including by automated dialing system, prerecorded message or text message where permitted by law. Consent is not a condition of any purchase. Message and data rates may apply; reply STOP to opt out of texts. Marketing communications may be discontinued through the unsubscribe method provided or by contacting us.

Recording

Demonstrations, briefings and calls may be recorded or transcribed for quality, training, accuracy and record-keeping purposes. Where recording occurs, we will tell you before it begins and you may decline. Do not record a Dolfin session without our prior consent.

13. Third-party services and links

The Website may contain links to, embed content from or rely on services provided by third parties. Dolfin does not control and is not responsible for third-party websites, content, availability, security or privacy practices. Your use of a third-party service is governed by that provider's terms and policies.

14. Website availability and changes

We may modify, suspend or discontinue any part of the Website at any time. We do not guarantee that the Website will always be available, uninterrupted, secure or error-free, or that content will always be complete, current or accurate.

15. Trade controls, sanctions and anti-corruption

You represent that you are not located in, organized under the laws of, or ordinarily resident in a country or territory subject to comprehensive U.S. sanctions; that you are not identified on the U.S. Treasury Department's Specially Designated Nationals and Blocked Persons List or another restricted-party list; and that you are not acting on behalf of such a person. You agree to comply with applicable export control, sanctions, anti-money-laundering, anti-bribery and anti-corruption laws in connection with your use of the Website.

16. Accessibility

We want the Website to be usable by everyone, and we work toward conformance with recognized accessibility standards. If you encounter a barrier or need content in an alternative format, email info@dolfinintelligence.com and describe the issue and the page involved. We will make reasonable efforts to provide the information you need.

17. Copyright complaints

If you believe content on the Website infringes your copyright, send a written notice to the address in Section 27 identifying the work, the material you believe is infringing and where it appears, your contact information, a statement of good-faith belief that the use is unauthorized, and a statement under penalty of perjury that your notice is accurate and that you are authorized to act for the owner. We may remove material and terminate access for repeat infringers.

18. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE WEBSITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY. DOLFIN DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY AND QUIET ENJOYMENT.

We do not warrant that the Website will meet your requirements, produce any particular outcome, identify every risk or opportunity, or satisfy any legal, regulatory, audit or compliance requirement.

19. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DOLFIN AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, LICENSORS AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS OPPORTUNITY OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO THE WEBSITE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF DOLFIN AND THE PARTIES LISTED ABOVE FOR ALL CLAIMS ARISING FROM OR RELATED TO THE WEBSITE OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100).

These limitations apply to Dolfin's liability only. They do not limit your obligations under Section 20, and they do not apply to liability that cannot be limited or excluded under applicable law. Some jurisdictions do not allow certain warranty exclusions or liability limitations; in those jurisdictions, these provisions apply only to the extent permitted by law.

20. Indemnification

To the extent permitted by law, you agree to defend, indemnify and hold harmless Dolfin and its affiliates, officers, directors, employees and contractors from claims, damages, losses, liabilities, costs and expenses, including reasonable attorneys' fees, arising from your misuse of the Website, your violation of these Terms, your submission of data in breach of Section 7 or Section 8, or your infringement of another person's rights.

We will notify you promptly of a claim covered by this section, though a delay in notice reduces your obligations only to the extent it prejudices your defense. You may control the defense with counsel reasonably acceptable to us; we may participate at our own expense; and you may not settle a claim in a way that imposes an obligation or admission on Dolfin without our prior written consent. The parties will cooperate reasonably in the defense.

21. Suspension and termination

We may restrict, suspend or terminate your access to the Website if we reasonably believe you have violated these Terms, created security or legal risk, or misused the Website. Provisions that by their nature should survive termination will remain effective, including those concerning intellectual property, disclaimers, liability, indemnification and dispute terms.

22. Dispute resolution and binding arbitration

Please read this section carefully. It affects how disputes between you and Dolfin are resolved.

Informal resolution first

Before starting a formal proceeding, you agree to send a written description of the dispute and the relief sought to the address in Section 27, and to work with us in good faith for at least 30 days to resolve it.

Agreement to arbitrate

If the dispute is not resolved informally, you and Dolfin agree that any dispute, claim or controversy arising out of or relating to the Website or these Terms will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will take place in Miami-Dade County, Florida, before a single arbitrator, and may proceed by document submission or videoconference where the rules allow. The arbitrator decides all issues except that a court decides questions about the scope and enforceability of the class-action waiver below. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs this section.

Class-action and jury-trial waiver

YOU AND DOLFIN AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER A REPRESENTATIVE PROCEEDING. IF THIS WAIVER IS FOUND UNENFORCEABLE AS TO A PARTICULAR CLAIM, THAT CLAIM WILL PROCEED IN COURT AND THE REMAINING CLAIMS WILL REMAIN IN ARBITRATION. TO THE EXTENT ANY CLAIM PROCEEDS IN COURT, YOU AND DOLFIN EACH WAIVE THE RIGHT TO A JURY TRIAL.

Exceptions

Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek temporary or permanent injunctive relief in court to protect intellectual property, confidential information or system security.

30-day opt-out

You may opt out of this arbitration agreement by emailing info@dolfinintelligence.com with the subject “Arbitration Opt-Out” within 30 days of first accepting these Terms, including your name, organization and a statement that you are opting out. Opting out does not affect any other part of these Terms.

Time limit for claims

To the extent permitted by law, any claim arising from or relating to the Website or these Terms must be filed within one year after it arises, or it is permanently barred.

23. Governing law and venue

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Subject to Section 22 and applicable law, any dispute arising from or relating to these Terms or the Website will be brought exclusively in the state or federal courts located in Miami-Dade County, Florida, and each party consents to their personal jurisdiction and venue. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

24. Force majeure

Dolfin is not liable for any delay or failure to perform caused by events beyond its reasonable control, including natural disasters, severe weather, fire, flood, epidemic, war, terrorism, civil unrest, labor disputes, governmental action, sanctions, cyberattack, and failure of internet, telecommunications, cloud-hosting or utility services.

25. Changes to these Terms

We may update these Terms from time to time. The “Last updated” date identifies the most recent revision. Changes become effective when posted unless a later date is stated. Your continued use of the Website after revised Terms become effective constitutes acceptance of the revised Terms. A change to Section 22 will not apply to a dispute for which notice was given before the change was posted.

26. General terms

These Terms, together with the Privacy Policy, the Website analytics disclaimer and any notices expressly incorporated by reference, are the entire agreement between you and Dolfin concerning the public Website. They do not replace a separately signed customer agreement.

If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. Dolfin's failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; Dolfin may assign them in connection with a merger, reorganization, sale of assets or by operation of law. Nothing in these Terms creates a partnership, joint venture, employment or agency relationship. These Terms do not create any third-party beneficiary rights. Headings are for convenience only.

Notices. Legal notices to Dolfin must be sent to the address in Section 27, with a copy by email, and are effective on receipt. We may give you notice by email to an address you provided, by a posting on the Website, or by another reasonable method; notice is effective when sent or posted.