Terms of Service

1. Agreement to Terms

By accessing or using SignalDeck AI (the "Service"), operated by Tayron Portillo Salazar ("Company," "we," "us," or "our"), located in Athens, GA, USA, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

These Terms apply to all visitors, users, and others who access or use the Service, including API access, web applications, and any associated services.

2. Description of Service

SignalDeck AI provides an Artificial Judgement Engine that delivers deterministic, auditable decision-making capabilities across six industry pillars: Banking, Credit, Insurance, Logistics, Human Resources, and Hazard Management. The Service includes:

• Access to 78 calibrated decision pipelines via REST API
• Web-based dashboard and chat interface
• Decision audit trails and explainability reports
• SignalDeck Academy educational resources

Not Legal, Financial, or Medical Advice: The Service provides decision support tools only. All outputs are for informational purposes and should not be construed as legal, financial, medical, or professional advice. You are solely responsible for decisions made using our Service.

3. User Accounts

To access certain features of the Service, you must register for an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your API keys and login credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent, abusive, or illegal activities.

4. Subscription Plans and Billing

The Service offers various subscription plans, including free tiers and paid plans. By subscribing to a paid plan, you agree to pay all applicable fees as described at the time of purchase.

• Billing Cycle: Subscriptions are billed monthly or annually, depending on the plan selected.
• Automatic Renewal: Paid subscriptions automatically renew at the end of each billing period unless cancelled before the renewal date.
• Price Changes: We may change subscription prices with 30 days' notice. Continued use after the effective date constitutes acceptance of new pricing.
• Taxes: You are responsible for all applicable taxes not included in the quoted prices.

7. Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws, regulations, or third-party rights
• Make decisions that discriminate against individuals based on protected characteristics in violation of applicable anti-discrimination laws
• Attempt to reverse-engineer, decompile, or extract our algorithms or models
• Share, sell, or transfer your API keys or account access to third parties
• Overwhelm our infrastructure with excessive requests or denial-of-service attacks
• Use the Service for any illegal, harmful, or unethical purposes
• Circumvent usage limits, rate limits, or security measures
• Misrepresent the source or nature of decisions made using our Service

8. API Usage and Rate Limits

API access is subject to rate limits and usage quotas as defined in your subscription plan. We reserve the right to:

• Throttle or temporarily suspend access for accounts exceeding rate limits
• Charge overage fees for usage exceeding plan quotas
• Modify rate limits with reasonable notice

You are responsible for implementing appropriate caching and rate-limiting in your applications to stay within your plan limits.

9. Intellectual Property

The Service, including all software, algorithms, models, documentation, trademarks, and content, is owned by the Company and protected by intellectual property laws. You retain ownership of data you submit to the Service.

License Grant: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to access and use the Service for your internal business purposes.

Data Usage: We do not use your data to train our models. Your input data is processed solely to generate decisions and is handled according to our Privacy Policy.

10. Compliance and Regulatory Use

While our pipelines are designed with regulatory compliance in mind (including FCRA, ECOA, EEOC, BSA/AML, and other frameworks), you are solely responsible for:

• Ensuring your use of the Service complies with all applicable laws and regulations
• Implementing required adverse action notices and disclosures
• Conducting fair lending and bias testing appropriate to your use case
• Maintaining records as required by law
• Obtaining any necessary licenses or authorizations for your business activities

The Company does not guarantee compliance with any specific regulation in your jurisdiction.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

We do not warrant that:

• The Service will be uninterrupted, secure, or error-free
• Results obtained from the Service will be accurate or reliable
• The Service will meet your specific requirements
• Any defects in the Service will be corrected

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, BUSINESS OPPORTUNITIES, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

13. Indemnification

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Decisions made using outputs from the Service
• Any third-party claims related to your use of the Service

14. Service Modifications and Termination

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We will make reasonable efforts to provide advance notice for significant changes.

We may terminate or suspend your access immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason at our sole discretion.

15. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in Athens, Georgia, in accordance with the rules of the American Arbitration Association. You waive any right to participate in class-action lawsuits or class-wide arbitration.

16. Changes to Terms

We may revise these Terms at any time by posting an updated version on this page. Material changes will be communicated via email or through the Service. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

17. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Service.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.