Terms of Use

Last updated: August 12, 2026

1. Who we are

FINN.AI (“FINN”, “we”, “us”) is operated by TOOPLE AI, a société par actions simplifiée unipersonnelle (SASU) with a share capital of €100, registered with the Paris Trade and Companies Register under number 994 041 846 R.C.S. Paris, with its registered office at 10 rue de la Paix, 75002 Paris, France. SIRET 994 041 846 00019. Intra-community VAT number FR36994041846.

Publication director: Kévin Leborgne. Contact: legal@finnai.io. Telephone: +33 7 58 39 97 09.

Hosting provider: GoDaddy.com, LLC, 2155 E. GoDaddy Way, Tempe, Arizona 85284, United States.

2. Acceptance, scope and eligibility

By creating an account, starting a trial, or using the Service, you agree to these Terms. If you accept on behalf of an organisation, you confirm you have authority to bind it (“Customer”, “you”).

Business use only. The Service is offered exclusively to businesses and professionals, not consumers. You confirm you act for purposes relating to your trade, business or profession. Where a mandatory consumer or small-business protection law nonetheless applies to you, the Region-Specific Terms govern.

Age. You must be at least 18, or the age of majority where you live, whichever is higher.

Availability. The Service is offered globally but is not tailored to every jurisdiction. You are responsible for determining whether your use is lawful where you and your call participants are located. We make no representation that the Service is appropriate or available in any particular territory.

3. The Service

FINN.AI is a real-time AI sales co-pilot providing:

• Live assistance during sales calls - objection handling suggestions, prompts and cues;
• Recon - pre-call intelligence briefs assembled from publicly available sources;
• Post-call outputs - summaries, transcripts and CRM synchronisation.

We may modify, add or remove features. We will give reasonable notice of any change that materially degrades a core feature during a paid term, and may restrict features in specific territories where required by law.

4. Call recording, transcription and consent - your responsibility

The Service processes live audio from your calls. Recording, intercepting or transcribing a conversation is regulated worldwide, and the rules differ by country, by state or province, and by channel. They range from no notice required, to one-party consent, to all-party consent, to criminal liability for unauthorised recording.

You are solely responsible for:

• determining, for each individual call, whether recording, transcription or real-time processing is lawful under the laws applicable to every participant, based on where each participant is physically located - not only where you are;
• obtaining, before processing begins, and evidencing, all consents, notices, announcements or beep tones those laws require;
• complying with all applicable laws, which may include: US federal and state wiretap laws, including all-party consent regimes in California, Florida, Illinois, Maryland, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Oregon, Pennsylvania and Washington; the Canadian Criminal Code s.184 and PIPEDA; UK GDPR, the Data Protection Act 2018 and the Investigatory Powers (Interception by Businesses) Regulations 2018; Regulation (EU) 2016/679 and national implementing law, including §201 of the German Criminal Code and Article 226-1 of the French Penal Code, which create criminal liability for recording private conversations without consent; Australian federal and state surveillance devices legislation; Japan’s APPI; Brazil’s LGPD; and equivalent laws elsewhere;
• honouring any participant’s objection or withdrawal of consent at any point, including by immediately disabling the Service for that call;
• keeping records sufficient to demonstrate the above to a regulator or court.

We provide notice and consent tooling as a convenience only. Using it does not discharge your obligations, we do not verify that consent has been obtained, and we do not advise on which regime applies to a given call.

You must not use the Service on: calls involving minors; communications subject to legal privilege, or to medical, financial-advisory or clergy confidentiality; calls in any jurisdiction where the processing would be unlawful; or any call where a participant has refused processing.

Where an integrated conferencing platform’s terms prohibit third-party recording or bot participation, you must comply with those terms. We are not responsible for your breach of them.

5. AI output - no guarantee, no advice

FINN.AI outputs are generated by large language models and automated retrieval. They may be inaccurate, incomplete, outdated or fabricated, including in Recon briefs about named individuals and companies.

Outputs are suggestions only. They are not legal, financial, tax, employment, medical or compliance advice. You must exercise independent professional judgement before acting on, repeating, or relying on any output. You are responsible for everything you say to a prospect, including where prompted by FINN.

We make no representation that outputs are free of bias, or suitable for any decision producing legal or similarly significant effects on an individual. Where automated decision-making rules apply to you, including GDPR Article 22 and comparable laws, you are responsible for maintaining meaningful human review.

AI-specific regulation. You are responsible for your own compliance with AI laws applicable to you, including transparency obligations under the EU AI Act, US state AI and chatbot-disclosure laws, and any obligation to tell a call participant that AI assistance is in use.

6. Accounts and security

Provide accurate registration information, keep your credentials confidential, and notify us promptly at security@finn-ai.com if you suspect unauthorised access. You are responsible for all activity under your account and for your authorised users’ compliance with these Terms. Accounts and seats are personal and must not be shared.

7. Plans, credits and billing

7.1 Plans

• Solo - $19 per month - 450 credits per month
• Closer - $49 per month - 1,350 credits per month
• Team - $89 per seat per month - 2,700 credits per seat per month, pooled across the workspace

7.2 Credits

Credits are a prepaid unit of access, consumed as features are used at the rates published in-app. Credits:

• reset at the start of each billing cycle and do not roll over;
• have no cash value, are not refundable, not redeemable for cash, and not transferable outside your workspace;
• are not a stored-value instrument, gift card or payment device, and are not subject to escheat or unclaimed-property laws;
• may be consumed even where an output is unsatisfactory, provided the Service performed the requested operation.

Consumption rates per feature may be adjusted on 30 days’ notice. If your credits are exhausted, features may be limited until the next cycle or until you purchase a top-up.

7.3 Trial

The trial lasts 7 days or 150 credits, whichever comes first. One trial per organisation. Trials are provided “as is”, with no service commitments, and may be withdrawn at any time.

7.4 Payment, taxes and currency

Fees are stated and payable in US dollars, exclusive of all taxes. You are responsible for all VAT, GST, consumption, sales, use and similar taxes, which we will add where we are required to collect them.

Where you are established outside France and provide a valid VAT, GST or business registration number, a reverse-charge or zero-rating mechanism may apply. You warrant that any number you provide is valid and that you will tell us if it ceases to be. You are liable for any assessment resulting from an invalid number.

If law requires you to withhold tax from a payment, you must gross up so that we receive the full amount invoiced. You bear any bank, currency conversion or cross-border transfer fees charged by your provider.

7.5 Renewal, cancellation and refunds

Subscriptions renew automatically each period unless cancelled from your account settings before the renewal date. Cancellation takes effect at the end of the current paid period.

Fees already paid are non-refundable, including for unused credits or partial periods, except where mandatory law requires otherwise or where we terminate without cause under clause 13.

Late payment may result in suspension and interest at the lower of 1.5% per month or the maximum permitted by law, plus reasonable collection costs. Where French law applies, the statutory €40 fixed recovery indemnity also applies.

8. Acceptable use

You must not, and must not permit any person to:

• use the Service on a call without the consents required under clause 4;
• use it to deceive, impersonate, manipulate a vulnerable person, or make claims you know to be false;
• upload unlawful content or malware, or submit sensitive personal data - health, biometric, genetic, political, religious, sexual orientation, union membership, precise geolocation, government identifiers - beyond what is unavoidably present in call audio;
• process personal data of children, or data subject to sector-specific regimes such as HIPAA-covered health information, PCI cardholder data, financial account credentials or classified government information. The Service is not designed for these and no Business Associate Agreement is offered;
• scrape, reverse engineer, decompile, or attempt to derive the underlying models, prompts, weights or training data;
• use the Service to build, train or improve a competing product or model, or to publish benchmarks without our written consent;
• resell, sublicense or provide the Service to third parties as a bureau service;
• circumvent credit, rate or usage limits;
• breach the telemarketing and cold-outreach rules applicable to your calls, including the US TCPA and state equivalents, the UK PECR and TPS/CTPS registers, Canada’s CRTC rules and CASL, and equivalent do-not-call regimes.

9. Export control and sanctions

You represent that you, your authorised users and your parent entities are not located in, organised under the laws of, or ordinarily resident in a country or region subject to comprehensive sanctions - currently including Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk and Luhansk regions of Ukraine - and are not listed on any restricted-party list maintained by the US (OFAC SDN, BIS Entity List), the EU, the UK, France or the UN.

You will not use or export the Service in violation of applicable export control and sanctions laws, including for any military, weapons or mass-surveillance end use. We may suspend or terminate access immediately, without refund, to comply with these laws.

10. Data protection

Roles. For call content, transcripts, CRM records and prospect data you submit or generate, you are the controller (or “business” under US state privacy laws) and we act as processor or service provider on your documented instructions. For your account and billing data we are the controller - see our Privacy Policy.

Data Processing Agreement. Our DPA is incorporated into these Terms and governs processing, sub-processors, security measures, international transfers and breach notification. It prevails over these Terms on data protection matters. It includes, as applicable, the EU Standard Contractual Clauses, the UK International Data Transfer Addendum, the Swiss addendum, and CCPA/CPRA service-provider terms.

Cross-border transfers. The Service is operated from the European Union, and Customer Data may be processed in the European Union and the United States. By using the Service you instruct us to transfer data accordingly, subject to the safeguards in the DPA. Where your law requires data localisation, you must not use the Service unless we have agreed a compliant arrangement in writing.

Prospect data. Recon briefs may contain personal data about individuals who are not our users. You are responsible for having a lawful basis, issuing any required transparency notice, and handling data subject requests you receive. We assist as set out in the DPA.

Model training. We do not use your call content or Customer Data to train foundation models. We may use aggregated, de-identified usage metrics to operate and improve the Service.

Retention. Customer Data is deleted within 30 days of termination unless you request earlier deletion or law requires retention.

11. Intellectual property

Yours. You retain all rights in your Customer Data, including recordings, transcripts and CRM content. You grant us a worldwide, non-exclusive, royalty-free licence to host, process, transmit and display it solely to provide and support the Service.

Ours. We retain all rights in the Service, software, models, prompts, interfaces, documentation and brand. You receive a limited, non-exclusive, non-transferable, revocable right to use the Service during your subscription.

Outputs. As between you and us, you own the outputs generated for you, subject to payment of fees. Outputs are not unique - similar outputs may be generated for other customers - and we make no warranty that outputs are original, protectable by copyright in your jurisdiction, or non-infringing.

Feedback. We may use your suggestions and feedback without restriction or compensation.

12. Third-party services

The Service integrates with third-party platforms such as CRMs, calendars, conferencing tools, and model and data providers. Your use of those platforms is governed by their own terms, which you must comply with. We are not responsible for their availability, accuracy, security, pricing or API changes, and we may discontinue an integration if a provider changes or withdraws access.

13. Suspension and termination

We may suspend or terminate access immediately where you materially breach these Terms - in particular clauses 4, 8 or 9 - where payment is more than 15 days overdue, where law requires it, or where continued provision poses a security, legal or reputational risk. Where practicable we give notice and an opportunity to cure.

You may terminate under clause 7.5. We may terminate for convenience on 30 days’ notice, refunding fees for the unused remainder of your paid period.

On termination, access ceases, credits are forfeited, and you may export your Customer Data for 30 days.

14. Availability and support

We aim for high availability but do not guarantee uninterrupted service. Real-time features depend on your network conditions, audio quality, geographic distance from our infrastructure, and third-party services. Latency and quality will vary by region. Scheduled maintenance is notified in advance where reasonably possible. Service level commitments apply only if agreed in a separate written order form.

15. Warranties and disclaimers

We warrant that we will provide the Service with reasonable skill and care.

Otherwise, and to the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”. We disclaim all other warranties, express, implied or statutory, including merchantability, fitness for a particular purpose, non-infringement, and any warranty as to the accuracy, completeness, reliability, legality or commercial outcome of AI outputs. We do not warrant that use of the Service will increase your sales, conversion or revenue, or that the Service complies with the laws of any particular jurisdiction.

Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions the exclusions apply only to the extent permitted, and the Region-Specific Terms apply.

16. Limitation of liability

Nothing in these Terms limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any liability that cannot lawfully be excluded, including faute lourde ou dolosive under French law.

Subject to that:

• Neither party is liable for indirect, incidental, special, consequential, exemplary or punitive damages, or for loss of profit, revenue, business, goodwill, anticipated savings, or loss or corruption of data beyond our restoration obligations in the DPA, whether or not foreseeable.
• Our total aggregate liability arising out of or in connection with these Terms is capped at the total fees you paid in the 12 months preceding the event giving rise to the claim, or US$100 if greater.
• We are not liable for any claim, fine, penalty or damage arising from your failure to obtain consent under clause 4, your reliance on AI outputs contrary to clause 5, or your breach of clause 8 or 9.

These limits apply in aggregate across all claims and regardless of the theory of liability. Some jurisdictions do not permit certain limitations; in those, the limits apply to the maximum extent permitted.

17. Indemnity

You will indemnify, defend and hold us harmless against all claims, fines, penalties and reasonable costs, including legal fees, arising from: recording, intercepting or processing a call without required consent; your Customer Data or its processing; your breach of clause 8 or 9; a third party’s claim relating to how you used an output; or your breach of a third-party platform’s terms.

18. Confidentiality

Each party will protect the other’s confidential information with at least reasonable care, use it only to perform these Terms, and disclose it only to personnel and advisers bound by equivalent duties, or where required by law, with notice where lawful.

19. Changes to these Terms

We may update these Terms. For material changes affecting a paid subscription we give 30 days’ notice by email or in-app. If you object, you may terminate before the change takes effect and receive a pro-rata refund of prepaid fees. Continued use after the effective date constitutes acceptance.

20. General

Assignment. You may not assign these Terms without our consent. We may assign to an affiliate or in connection with a merger or sale of assets.

Force majeure. Neither party is liable for failure caused by events beyond its reasonable control, including network and third-party API failures.

Entire agreement. These Terms, the DPA and the Privacy Policy form the entire agreement between us.

Severability and waiver. An unenforceable provision is severed and the rest stays in force. Failure to enforce a right is not a waiver of it.

Notices. To us: legal@finnai.io. To you: the email address on your account.

Language. These Terms are drafted in English. The English version prevails over any translation, except where local law requires otherwise.

No third-party beneficiaries, except our affiliates under clauses 16 and 17.

21. Governing law and disputes

Governing law. French law, excluding its conflict-of-law rules and the UN Convention on Contracts for the International Sale of Goods.

Escalation. The parties will attempt good-faith resolution for 30 days from written notice of a dispute.

Arbitration. Any dispute not resolved at the escalation step shall be finally settled under the Rules of Arbitration of the International Chamber of Commerce by one arbitrator, seated in Paris, France, conducted in English. The award is final and binding. Either party may instead bring a claim of less than US$25,000 before the competent courts of Paris.

Class action waiver. To the extent permitted by law, disputes will be resolved on an individual basis only. You waive any right to participate in a class, collective, consolidated or representative action.

Injunctive relief. Either party may seek interim or injunctive relief in any court of competent jurisdiction to protect its intellectual property or confidential information.

Region-specific terms

These terms apply where you are established in the relevant region and prevail over the rest of this document to the extent of any conflict.

A. European Economic Area, United Kingdom and Switzerland

• The DPA’s Standard Contractual Clauses, UK International Data Transfer Addendum and Swiss addendum apply to transfers.
• Where a mandatory provision of local law invalidates a limitation in clause 16, that limitation applies to the maximum permitted extent rather than being void in full.
• French customers: the €40 recovery indemnity and statutory late-payment interest under Code de commerce L.441-10 apply.

B. United States

• Governing law and arbitration remain as set out in clause 21. Arbitration is governed by the Federal Arbitration Act where applicable.
• You waive any right to a jury trial to the extent permitted by law.
• We act as a service provider under the CCPA/CPRA and comparable state laws. We do not sell or share personal information, and will not retain, use or disclose it outside the direct business relationship.
• We do not offer a Business Associate Agreement, and the Service must not be used with protected health information under HIPAA.
• Government customers: the Service is commercial computer software. No clause here grants rights beyond FAR 12.212 or DFARS 227.7202.

C. Canada

• You are responsible for compliance with PIPEDA, Quebec’s Law 25 - including privacy impact assessment obligations before transferring personal information outside Quebec - and CASL for outbound outreach.
• Criminal Code s.184 permits one-party consent to interception, but PIPEDA and provincial privacy law still require notice and consent from the other party for commercial recording. Clause 4 applies in full.
• Quebec: the parties confirm their express wish that these Terms be drafted in English. Les parties confirment leur volonté expresse que ce contrat soit rédigé en anglais. This is subject to the French-language obligations of the Charter of the French Language as amended.

D. Australia and New Zealand

• Nothing in these Terms excludes, restricts or modifies any guarantee, right or remedy under the Australian Consumer Law or the New Zealand Consumer Guarantees Act that cannot lawfully be excluded. Where a non-excludable guarantee applies, our liability is limited, at our option, to resupplying the Service or paying the cost of resupply.
• The unfair contract terms regime may apply to small-business contracts in Australia. Clauses are to be read down accordingly rather than treated as void.
• Federal and state surveillance devices legislation applies to call recording, and several states require all-party consent.

E. Brazil and Latin America

• The LGPD applies to processing of data of individuals in Brazil. The DPA governs our role as operador.
• Where local law requires a Portuguese or Spanish version for enforceability, a translation is provided for information only unless local law provides otherwise.

F. Japan, South Korea and Singapore

• Japan’s APPI, South Korea’s PIPA and Singapore’s PDPA apply as relevant. The DPA governs cross-border transfer safeguards.

G. India

• The Digital Personal Data Protection Act 2023 applies as it comes into force. You act as Data Fiduciary and we act as Data Processor.
• Indian telecom regulation restricts certain forms of call interception and recording.

H. Restricted territories

The Service is not offered in territories subject to comprehensive sanctions under clause 9.

Questions about these terms? Contact us at legal@finnai.io.