1. Agreement to Terms
Arfiti is provided by Arfiti Technologies OÜ (registry code 17266831), Paekalda 16-39, Tallinn 13628, Estonia. By accessing or using Arfiti's services ("Services"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our Services. A separately agreed customer contract or data processing agreement prevails where they conflict.
2. Description of Service
Arfiti provides an AI-operated finance infrastructure platform that includes:
- Shared financial infrastructure for supported accounting operations, records, and controls
- MCP (Model Context Protocol) tools and APIs for supported financial operations
- Optional built-in agents, skills, and plugins for accounting workflows
- Integration capabilities with AI platforms (Claude, ChatGPT, etc.)
- Admin dashboard for configuration and reporting
You may use supported tools through your own AI clients and workflows. Built-in agents and sagas are optional. All execution paths remain subject to applicable permissions, integrity checks, and approval controls. Availability depends on your agreement and the implemented service.
3. AI-Generated Content and Professional Responsibility
3.1 Nature of AI-Assisted Operations
Arfiti is an AI-powered platform where financial operations, data entry, reporting, and analysis are performed by or with the assistance of artificial intelligence systems, including but not limited to Claude (by Anthropic) and other large language models. AI systems may generate, process, categorize, calculate, and present financial data on your behalf.
3.2 No Warranty on AI Outputs
AI-GENERATED OUTPUTS, INCLUDING BUT NOT LIMITED TO FINANCIAL REPORTS, TAX CALCULATIONS, JOURNAL ENTRIES, ACCOUNT CATEGORIZATIONS, RECONCILIATION RESULTS, AND COMPLIANCE ASSESSMENTS, ARE PROVIDED ON AN "AS-IS" BASIS AND MAY CONTAIN ERRORS, INACCURACIES, OR OMISSIONS. ARFITI MAKES NO WARRANTY, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY AI-GENERATED OUTPUT.
3.3 User Responsibility for Verification
You acknowledge and agree that:
- All financial data, reports, and accounting entries generated or processed by the platform must be reviewed and validated by you or a qualified professional before being relied upon for any purpose.
- Tax filings, regulatory reports, and compliance documents must receive review and approval required by applicable law and your organisation's policies before submission.
- Financial statements and audit-related materials must receive appropriate review, including by a qualified professional where required by law or the purpose of the materials.
- You bear sole responsibility for the accuracy, completeness, and legal compliance of all financial records, tax filings, and reports, regardless of whether they were generated, assisted, or suggested by AI.
3.4 Not a Substitute for Professional Advice
The Services do not constitute accounting, tax, legal, or financial advice. Arfiti is a tool that assists with financial operations but does not replace the judgment of qualified professionals. You should consult with appropriate professionals for advice specific to your situation.
3.5 Limitation of Liability for AI Operations
ARFITI SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, PENALTIES, FINES, OR EXPENSES ARISING FROM RELIANCE ON AI-GENERATED OUTPUTS WITHOUT PROPER HUMAN REVIEW AND PROFESSIONAL VALIDATION. THIS INCLUDES, WITHOUT LIMITATION, INCORRECT TAX FILINGS, ERRONEOUS FINANCIAL REPORTS, MISCLASSIFIED TRANSACTIONS, OR ANY OTHER ERRORS IN AI-ASSISTED OPERATIONS.
4. Eligibility
You must be at least 18 years old and have the legal capacity to enter into contracts to use our Services. By using our Services, you represent and warrant that you meet these requirements.
5. Account Registration
When you create an account, you agree to:
- Provide accurate, current, and complete information
- Maintain and update your information to keep it accurate
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized access or security breach
- Accept responsibility for all activities under your account
We reserve the right to suspend or terminate accounts that violate these Terms.
6. Acceptable Use
You agree not to:
- Use the Services for any illegal purpose or in violation of any laws
- Violate the intellectual property rights of Arfiti or others
- Transmit malware, viruses, or other harmful code
- Attempt to gain unauthorized access to our systems or other users' accounts
- Interfere with or disrupt the Services or servers
- Use automated systems to access the Services without authorization
- Reverse engineer, decompile, or disassemble the Services except as permitted by applicable law or a component's licence
- Resell or redistribute the Services without authorization
7. Subscription and Payment
7.1 Fees
Subscription fees are based on your selected plan and are subject to change with 30 days' notice. All fees are exclusive of applicable taxes.
7.2 Billing
Subscriptions are billed monthly or annually in advance. Payment is due upon receipt of invoice. Late payments may result in service suspension.
7.3 Refunds
Refunds are provided on a case-by-case basis at our sole discretion. Annual subscriptions may be prorated for cancellations.
8. Data and Privacy
Your use of the Services is also governed by our Privacy Policy. You retain ownership of your data, and we will not access, use, or disclose your data except as necessary to provide the Services or as required by law.
You are responsible for:
- The accuracy and legality of your data
- Maintaining backups of your data
- Compliance with applicable data protection laws
- Obtaining necessary consents for data processing
9. Intellectual Property
The Services, including all software, content, and materials, are owned by Arfiti and protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Services for their intended purpose.
Open-source plugins and separately licensed components remain subject to their own licences. These Terms do not remove rights those licences grant.
You retain ownership of any custom Skills, configurations, or integrations you create, but grant us a license to host and execute them as part of the Services.
10. Service Availability
We strive to maintain 99.9% uptime, but we do not guarantee uninterrupted access to the Services. We may perform maintenance, updates, or modifications that temporarily affect availability.
We are not liable for service interruptions due to:
- Scheduled or emergency maintenance
- Third-party service failures (hosting, internet providers)
- Force majeure events (natural disasters, war, etc.)
- Your own network or system issues
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ARFITI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.
12. Warranties and Disclaimers
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
While we implement security measures and testing, we do not warrant that the Services will be error-free, secure, or free from viruses or other harmful components.
13. Indemnification
You agree to indemnify, defend, and hold harmless Arfiti, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of:
- Your use of the Services
- Your violation of these Terms
- Your violation of any rights of another party
- Your data or content
14. Termination
Either party may terminate the Services:
- You: Cancel your subscription at any time with 30 days' notice
- We: Terminate for cause (violation of Terms) immediately, or without cause with 30 days' notice
Upon termination:
- Your access to the Services will cease
- You will have 30 days to export your data
- We may delete your data after the retention period
- You remain responsible for all fees incurred before termination
15. Modifications to Services and Terms
We reserve the right to modify the Services or these Terms at any time. We will provide notice of material changes via email or through the Services. Continued use after changes constitutes acceptance of the modified Terms.
16. Governing Law and Disputes
These Terms are governed by Estonian law. After attempting to resolve a dispute in good faith, the parties may bring it before the courts of Harju County, Estonia. Mandatory legal rights and jurisdiction rules remain unaffected.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
18. Contact Information
For questions about these Terms, contact us:
- Email: andrew@arfiti.com
- Website: arfiti.com