Terms of Service

Last updated: July 16, 2026

These Terms of Use ("Terms") govern your access to and use of the website at https://www.finrockusa.com and any related pages, applications, and services we make available (together, the "Site"). The Site is operated by Finrock LLC ("Finrock," "we," "us," or "our"). Our Privacy Policy is part of these Terms and is incorporated by reference. 1. Accepting These Terms By accessing or using the Site, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Site. The Site is intended for users who are at least eighteen (18) years old and located in the United States or its territories. By using the Site, you confirm that you meet these requirements and can form a binding contract with us. 2. Changes to the Terms or the Site We may update these Terms or modify, suspend, or discontinue any part of the Site at any time, in our discretion, with or without notice. Updated Terms take effect when posted and apply to your use of the Site from that point forward, except that a change to the dispute-resolution provisions will not apply to a dispute of which the parties already had notice. Your continued use after a change means you accept the revised Terms, so please review this page periodically. We are not liable to you or any third party for any change to or discontinuation of the Site. 3. Your Access and Responsibilities You are responsible for arranging your own access to the Site and for making sure anyone who uses the Site through your connection is aware of and follows these Terms. If we issue you credentials, you are responsible for keeping them confidential and for activity under your account. We may withdraw or change the Site, or any material on it, at any time without notice, and we are not liable if the Site is unavailable for any period. 4. Ownership and Limited License The Site and all of its content, features, and functionality — including text, software, graphics, images, and the design and arrangement of the foregoing — are owned by Finrock or its licensors and are protected by intellectual-property laws. The Finrock name, logo, and related marks are our trademarks; you may not use them without our prior written permission. All other marks belong to their respective owners. We grant you a limited, personal, non-exclusive, non-transferable license to view and use the Site for your own internal, non-commercial purposes. Except as this license allows, you may not copy, reproduce, distribute, modify, create derivative works from, publicly display, republish, or exploit any part of the Site. You may temporarily cache pages in the ordinary course of browsing and print or download a reasonable number of pages for your own reference, provided you do not remove any proprietary notices. Any other use requires our written permission; requests may be sent to office@finrockusa.com. All rights not expressly granted are reserved. 5. Acceptable Use You agree to use the Site only for lawful purposes and not to: • violate any applicable law or regulation, including export and data-transfer laws; • send unsolicited advertising or promotional material, or impersonate Finrock, our staff, or any other person or entity; • interfere with, disable, overburden, or impair the Site or anyone else’s use of it; • use any bot, scraper, or other automated or manual means to access or copy the Site except as we expressly permit; • introduce any virus, malware, or other harmful code, or attempt to gain unauthorized access to the Site or its underlying systems; or • attack the Site through a denial-of-service or similar attack, or otherwise attempt to disrupt how it works. 6. Privacy How we handle personal information in connection with the Site and our services is described in our Privacy Policy, which forms part of these Terms. By using the Site, you consent to the practices set out there. 7. Third-Party Links The Site may link to third-party sites and resources, including in advertisements. We provide these links for convenience only, do not control those sites, and are not responsible for their content or for any loss arising from your use of them. If you follow a link off the Site, you leave at your own risk, and that third party’s own terms will govern. 8. U.S.-Only; Availability Finrock operates from New York, and we offer the Site for use within the United States only. We do not represent that the Site is suitable or available in other locations, and anyone who chooses to reach it from elsewhere does so at their own instance and is responsible for following the laws that apply to them. 9. Disclaimer of Warranties THE SITE AND ALL CONTENT AND SERVICES OBTAINED THROUGH IT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SITE WILL BE ACCURATE, RELIABLE, SECURE, UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT IT WILL MEET YOUR REQUIREMENTS. YOU ARE RESPONSIBLE FOR YOUR OWN ANTI-VIRUS PROTECTION AND DATA BACKUP. THIS SECTION DOES NOT AFFECT ANY WARRANTY THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW. 10. Limitation of Liability TO THE FULLEST EXTENT PERMITTED BY LAW, FINROCK AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS, AND THEIR RESPECTIVE OFFICERS, MANAGERS, EMPLOYEES, AND AGENTS, WILL NOT BE LIABLE FOR ANY DAMAGES OF ANY KIND ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SITE OR ANY LINKED SITE, INCLUDING DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, AND INCLUDING LOST PROFITS, REVENUE, GOODWILL, OR DATA, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, EVEN IF FORESEEABLE. THIS LIMITATION DOES NOT APPLY TO LIABILITY ARISING FROM OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR TO ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW. 11. Indemnification You will defend, indemnify, and hold harmless Finrock and its affiliates, licensors, and service providers, and their respective officers, managers, employees, contractors, and agents, from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or relating to your breach of these Terms or your use of the Site other than as expressly authorized here. 12. Governing Law and Venue These Terms and any dispute arising out of or relating to them or the Site are governed by New York law, without regard to conflict-of-law rules. Subject to the arbitration agreement below, any lawsuit permitted to proceed in court must be brought exclusively in the state or federal courts located in Kings County, New York, and you consent to the jurisdiction and venue of those courts. 13. Informal Resolution First Before starting arbitration or any other proceeding, the party raising a dispute must first send the other party written notice describing the dispute and the relief sought, and must allow thirty (30) days to resolve it. Notice to Finrock should be sent to office@finrockusa.com or to our address above. This step is a condition to bringing any claim. 14. Binding Arbitration; No Class Actions If a dispute is not resolved informally, it will be settled by binding individual arbitration administered by the American Arbitration Association under its applicable rules, rather than in court. You and Finrock delegate to the arbitrator questions about the scope and enforceability of this arbitration agreement. You may instead bring an individual claim in small-claims court if it qualifies. The arbitrator may award the same individual relief a court could, but relief is limited to you and does not affect other users. You and Finrock waive any right to a jury trial and agree that claims may be brought only in an individual capacity and not as a plaintiff or member in any class or consolidated proceeding. If this class-action waiver is held unenforceable as to a particular claim, that claim (and only that claim) will proceed in court. This arbitration agreement is governed by the Federal Arbitration Act and survives termination of these Terms. 15. Termination These Terms remain in effect while you use the Site. We may suspend or terminate your access at any time, without notice, if we believe you have violated these Terms. You may stop using the Site at any time. Provisions that by their nature should survive — including the arbitration agreement, disclaimers, limitations of liability, and indemnity — survive termination. 16. Services for Clients If you register for or use Finrock’s tax-credit, hiring-incentive, or childcare services, those services are provided under our Client Services Agreement, which you accept when you sign up (for example, by checking "I accept"). That agreement, together with the account and program information you provide, governs the services. If anything in these Terms conflicts with the Client Services Agreement as to the services, the Client Services Agreement controls for that purpose. 17. General Our failure to enforce any provision is not a waiver of it. If any provision is held invalid or unenforceable, it will be limited or removed to the minimum extent necessary, and the remaining provisions stay in effect. These Terms, together with the Privacy Policy, are the entire agreement between you and Finrock regarding the Site. Questions about these Terms may be sent to office@finrockusa.com.