Terms of Use | AI My Advance

1. Acceptance of these terms

These Terms of Use (“Terms”) form a binding agreement between you and AI My Advance (“AI My Advance,” “we,” “our,” or “us”). By accessing or using aimyadvance.com, any related landing pages, or any AI My Advance portals or services, you agree to be bound by these Terms.

If you are using the services on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and “you” refers to that entity. If you do not agree to these Terms, you must not access or use the services.

2. Our services

AI My Advance provides a software platform and related services that help funders, syndicators, ISOs, lenders, underwriters, and merchants manage underwriting workflows, funding arrangements, collections, and portfolio performance.

We provide the technology and infrastructure. We do not originate, fund, or make credit or funding decisions ourselves. Decisions regarding merchant funding, deal structures, and risk remain solely with you and your organization.

3. Eligibility and accounts

You must be at least 18 years old and legally able to enter into contracts to use the services.
Accounts may be provisioned by your organization’s administrators. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
You agree to notify us or your administrator promptly if you suspect unauthorized access to your account.

4. Subscription model and merchant fees

Our pricing model is structured so that merchants, rather than funders, pay a subscription fee to use certain features of the platform.

Merchants pay $34.99 per month for access to the merchant experience and related tools.
$10 per merchant per month is shared with the funder as platform revenue.
After 2026, the revenue share rate for funders is scheduled to adjust to $5 per merchant per month, unless otherwise agreed in writing.

Specific commercial terms, billing arrangements, and revenue shares with your organization may be documented in separate order forms, statements of work, or platform agreements. If there is a conflict between those written commercial terms and these Terms, the written commercial terms will control for the conflicting subject matter.

5. Acceptable use

You agree not to misuse the services. In particular, you must not:

Use the platform for unlawful, fraudulent, or deceptive activities;
Upload or transmit malware, malicious code, or content that interferes with the operation of the services;
Attempt to access accounts, data, or systems without authorization;
Reverse engineer, decompile, or attempt to derive source code from the services, except where permitted by law;
Use automated scripts to unduly burden or scrape the platform, except as expressly authorized;
Use the services to infringe, misappropriate, or violate the rights of others.

We may suspend or terminate access to the services if we reasonably believe you have violated these acceptable use obligations.

6. Data, privacy, and confidentiality

Your use of the services is also governed by our Privacy Policy, which explains how we collect, use, and protect information.

To provide the services, we may process merchant data, portfolio data, and other information that you or your organization upload to the platform or connect via integrations. We treat such information as confidential and use it only to provide and improve the services, comply with legal obligations, and perform functions described in our agreements and policies.

Where we act as a data processor or service provider to your organization, we will process personal information in accordance with applicable data processing terms agreed between AI My Advance and your organization.

7. Third‑party services and integrations

The platform may integrate with third‑party services such as ACH processors, bank data providers, accounting systems, analytics providers, and credit bureaus. Your use of those third‑party services is governed by their own terms and privacy policies.

We are not responsible for third‑party services, and we do not control how those providers handle data once it is transferred to them at your direction or in connection with an integration you enable.

8. Ownership and intellectual property

AI My Advance and its licensors own all rights, title, and interest in and to the platform, including underlying software, interfaces, designs, and documentation, subject only to the limited rights expressly granted to you in these Terms and any applicable commercial agreement.
You and your organization retain all rights in your own data and content that you upload to the platform. You grant us a limited license to use that data solely to provide, secure, and improve the services, and as otherwise permitted in our agreements and policies.

9. Disclaimers

The services, including any analytics, predictions, or insights, are provided for informational and operational support purposes. They do not constitute financial, legal, or investment advice.

To the fullest extent permitted by law, the services are provided “as is” and “as available,” without warranties of any kind, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, title, and non‑infringement.

10. Limitation of liability

To the fullest extent permitted by law, neither AI My Advance nor its officers, employees, or affiliates will be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, or for any loss of profits, revenue, or business, arising out of or relating to your use of the services, even if we have been advised of the possibility of such damages.

To the extent permitted by law, our total aggregate liability arising out of or relating to the services and these Terms will not exceed the amounts paid to us by your organization for the services during the twelve (12) months immediately preceding the event giving rise to the claim.

11. Indemnification

You agree to indemnify and hold harmless AI My Advance and its officers, directors, employees, and affiliates from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to:

Your use of the services in violation of these Terms or applicable law;
Your content, data, or dealings with merchants and other third parties;
Any unauthorized use of your account.

12. Suspension and termination

We may suspend or terminate your access to the services if we believe you are violating these Terms, using the services in a way that creates risk or harm to us or others, or as otherwise permitted under a separate commercial agreement with your organization.

Your organization may also manage user access and revoke credentials at any time. Upon termination, your right to access and use the services will cease, but any provisions that by their nature should survive (including ownership, confidentiality, disclaimers, limitations of liability, and dispute resolution) will remain in effect.

13. Governing law and disputes

These Terms are governed by the laws of the State of New York, without regard to its conflict of laws principles.

Any dispute arising out of or relating to these Terms or the services will be subject to the exclusive jurisdiction of the state and federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts.

14. Changes to these Terms

We may update these Terms from time to time to reflect changes in our services, business, or legal requirements. When we make material changes, we will update the “Effective date” at the top of this page and may provide additional notice, such as in‑app notifications or email.

Your continued use of the services after the updated Terms become effective constitutes your acceptance of them.

15. Contact us

If you have questions about these Terms or the services, you can contact us at:

AI My Advance
40 Wall Street Suite 3100
New York, NY 10005
Email: [email protected]
Phone: (929) 216-5491