Terms of Service

1. Acceptance of Terms

By accessing and using Clarivo, Inc. ("Clarivo" or "Service") services, you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

Clarivo provides a financial management platform (FinOps) that includes cash flow tools, AI-powered automated bookkeeping, and financial advisory services (CFO-as-a-Service). The Service is designed for small and medium-sized enterprises (SMEs) in LATAM.

3. User Accounts

To use certain features of the Service, you must create an account. You are responsible for:

• Maintaining the confidentiality of your password
• All activity that occurs under your account
• Immediately notifying us of any unauthorized use
• Providing accurate and up-to-date information

4. Use of Service

You agree not to:

• Use the Service for illegal activities
• Attempt to access other users' accounts
• Interfere with the operation of the Service
• Resell or redistribute the Service without authorization

5. Third-Party Services

The Service may integrate with third-party services, including banking providers, payment processing services, and analytics tools. By using these integrations, you authorize Clarivo to share necessary information with these third parties to provide the Service. These third parties have their own privacy policies and terms of service.

6. Intellectual Property

The Service and its original content, features, and functionality are owned by Clarivo, Inc. and are protected by United States and international intellectual property laws. You retain ownership of your data but grant us license to use it as necessary to provide the Service.

7. Payments and Billing

Paid plans are billed in advance on a monthly or annual basis. Prices are subject to change with 30 days prior notice. Refunds are handled on a case-by-case basis during the free trial period.

8. Limitation of Liability

In no event shall Clarivo, Inc. be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from the use of the Service.

9. Termination

We may terminate or suspend your account immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users of the Service, to us, or to third parties, or for any other reason.

10. Governing Law and Jurisdiction

These Terms of Service 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.

11. Mandatory Arbitration

PLEASE READ CAREFULLY: This section affects your legal rights.

You and Clarivo, Inc. agree that any dispute, claim, or controversy arising out of or relating to these Terms of Service or the use of the Service shall be resolved exclusively through individual binding arbitration, rather than in court. You waive your right to participate in class actions or class arbitrations.

The arbitration shall be administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall be held in the State of Delaware, United States, or another mutually agreed location. The arbitrator's decision shall be final and binding.

Exceptions: Either party may seek injunctive or emergency relief in any court of competent jurisdiction. Small claims may be brought in small claims court.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of material changes by email or through a notice on the Service. Continued use of the Service after such changes constitutes your acceptance of the new terms.

13. Contact

If you have questions about these Terms of Service, contact us at legal@clarivo.com