A summary for convenience. The full terms below are what govern.
These Terms of Service (the “Terms”) are a contract between Serbell, Inc., a Delaware corporation (“Serbell,” “we,” “us”), and the business that creates a Serbell account (“Customer,” “you”).
By creating an account, clicking to accept, or using Serbell, you agree to these Terms. If you do not agree, do not use Serbell.
If you accept these Terms on behalf of a company, you represent that you are authorized to bind that company, and “you” means that company.
Our Privacy Policy is incorporated into these Terms by reference.
Serbell is a business tool. It is licensed for use by businesses and the individuals they authorize — typically the owner, their staff, and an accountant the owner designates.
You may not use Serbell if you are under 18. Serbell is not offered to consumers for personal, family, or household purposes, and consumer financial protection frameworks that depend on that characterization do not apply to it.
Serbell is offered from the United States and is intended for businesses operating there. Your information is stored and processed on infrastructure located in the United States, as described in the Privacy Policy. We make no representation that Serbell is appropriate or available in any other jurisdiction, and if you use it from outside the United States you do so on your own initiative and are responsible for local compliance.
Serbell is in active development and is currently provided to a small number of pilot customers. This is not a finished product, and you should not treat it as one.
During the pilot:
We will not misrepresent the maturity of the product to you, and we ask that you not represent it to others as more finished than it is.
Serbell is currently provided at no charge. There is no plan, no card on file, and no invoice.
We may end the free period and introduce paid plans at any time, at our discretion. If we do:
Once you are on a paid plan, fees, billing period, and renewal terms are set out in the plan you accept, and price changes follow the same notice rule above.
Serbell does not charge you any fee attributable to a financial institution for access to your data or for use of your account with that institution.
Serbell reads data from the accounts you connect and gives you analysis: who owes you, who pays late, what is overdue, and whether your cash position works.
Serbell operates read-only with respect to your systems. Specifically, Serbell:
Serbell has no relationship, partnership, or sponsorship with any bank or financial institution by virtue of receiving your data, and nothing in the product should be read to suggest otherwise.
Serbell uses AI-assisted processing to interpret your data and produce analysis. Output can be incomplete, mistaken, or wrong in ways that are not obvious.
Serbell is architected so that figures come from executed queries against your data rather than being generated by a language model, and so that the system asks you rather than guessing when confidence is low. These are design commitments, not guarantees. They can fail.
You are responsible for verifying Serbell’s output before acting on it. You retain full responsibility for every decision you make about your business, whether or not Serbell informed it. Do not send a payment, chase a customer, file anything, or make a commitment on the basis of a Serbell figure you have not checked against your source systems.
Where you identify a misclassification or an incorrect assumption, you are responsible for correcting it in the product. Corrections you make are stored as rules that shape later analysis, so an uncorrected error may persist and compound.
Serbell does not provide financial, investment, tax, accounting, legal, or regulatory advice, and no output constitutes such advice. Serbell is not a certified public accountant, a tax preparer, a registered investment adviser, or a fiduciary.
Serbell prepares the working paper. Your accountant reviews and files. Serbell makes no representation that any output is sufficient for tax filing, statutory reporting, audit, or any regulatory submission. Engage a qualified professional for those.
Serbell’s output is not a “consumer report” and Serbell is not a “consumer reporting agency” or a “furnisher” under the Fair Credit Reporting Act.
You will not use Serbell, or any output from it, in whole or in part, as a factor in determining any individual’s eligibility for credit, insurance, employment, housing, or any other purpose covered by the FCRA, and you will not permit anyone else to do so. This restriction is material. Breaching it is grounds for immediate termination.
Payment behavior insights Serbell surfaces about your business customers describe how those customers have paid you. They are not credit assessments and must not be treated as such.
You are responsible for everything that happens under your account, including the acts of every user you invite.
Serbell provides differentiated roles. Access to sensitive categories — including payroll, salaries, and partner distributions — is restricted at the data layer by role. You are responsible for assigning the correct role to each person you invite.
If you grant access to an external accountant, they sign in under their own account and you may revoke that access at any time. You are responsible for who you grant it to.
You must keep credentials secure, use the authentication controls we require, and notify us at security@serbell.com promptly if you believe an account has been compromised.
To use Serbell you connect a bank account and an accounting platform. Before any financial account connection begins, you are shown a separate express consent disclosure describing what data Serbell will receive, how it will be used and stored, who it may be shared with for processing, and how to revoke it. That consent, not these Terms, is the authorization for us to collect your financial data. You may revoke it at any time, in the product or at privacy@serbell.com.
By connecting an account, you authorize Serbell and the third parties we use for financial data aggregation to access and transmit your financial information on your behalf, and you confirm that you have authority to grant that access for the accounts you connect.
You will not, and will not permit anyone else to:
Your data is yours. You retain all rights to the financial, accounting, and business data you connect or upload (“Customer Data”).
You grant Serbell a limited license to host, process, and analyze Customer Data solely to operate the service for you, maintain security, and meet our legal obligations — and for no other purpose.
We do not sell Customer Data. Not to advertisers, not to data brokers, not to anyone. We do not share it for advertising, and we do not provide it to credit bureaus or consumer reporting agencies. Disclosure to third parties occurs only as described in the Privacy Policy and within the scope of your consent.
AI-assisted processing occurs within our cloud provider’s trust boundary. Model inputs are not retained by the model provider and are not used to train models.
Handling, retention, and deletion of Customer Data are governed by our Privacy Policy and our Data Retention and Disposal Policy. In summary: disconnecting an account deletes the access token immediately; deletion from live systems is executed on request; and copies inside encrypted backups expire on a defined window rather than instantly. We do not claim instantaneous erasure.
Serbell depends on third parties, including our financial data provider, your accounting platform, and our cloud infrastructure provider. The current providers are identified in the Privacy Policy. Your use of those services is governed by their own terms and privacy policies, which you accept directly with them.
We are not responsible for third-party services, their availability, their accuracy, or changes they make. If a provider restricts, throttles, or terminates our access — or yours — Serbell may become unavailable in whole or in part, and that is not a breach of these Terms.
Serbell and everything in it other than Customer Data — software, models, interfaces, documentation, and the rules and logic that make it work — remain the property of Serbell, Inc. These Terms grant you a limited, non-exclusive, non-transferable, revocable right to use Serbell for your internal business purposes during the term, and nothing more.
If you send us feedback, suggestions, or bug reports, we may use them without restriction, attribution, or compensation.
Each party will protect the other’s non-public information disclosed in connection with Serbell, use it only for the purposes of these Terms, and not disclose it except to personnel and advisors bound by comparable obligations, or where legally compelled. This does not restrict information that is public, independently developed, or lawfully received from a third party.
These Terms run until terminated.
You may terminate at any time, for any reason, by closing your account or contacting us.
We may suspend or terminate your access immediately if you breach these Terms, if your use creates legal risk or risk of harm to any person, financial institution, or provider, if a provider requires it, or if we discontinue the service. We may also discontinue the pilot as a whole. Where circumstances allow, we will give you notice and an opportunity to export your data.
On termination, your right to use Serbell ends, access tokens are deleted, and Customer Data is handled under our Data Retention and Disposal Policy. Sections 06, 07, 08, 11, 12, 14, 15, 17, 18, 19, 21, and 22 survive termination.
Serbell is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty arising from course of dealing or usage of trade.
We do not warrant that Serbell will be uninterrupted, secure, error-free, or that its output will be accurate, complete, or current. Given the stage of the product, you should assume it will sometimes be none of those things.
To the fullest extent permitted by law:
Neither party is liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost business, lost data, or loss of goodwill, however caused and regardless of the theory of liability, even if advised of the possibility.
Serbell’s total aggregate liability arising out of or relating to these Terms or your use of Serbell will not exceed the greater of (a) the total fees you paid Serbell in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100). While Serbell is provided free of charge, this cap is US$100.
These limits do not apply to your obligations under section 19, to your breach of section 08 or section 11, or to liability that cannot be limited by law.
You acknowledge that these limitations are a fundamental basis on which Serbell is offered to you at no charge and at this stage of development, and that we would not provide it otherwise.
You will defend, indemnify, and hold harmless Serbell, its officers, employees, and providers from any third-party claim, loss, liability, or expense (including reasonable legal fees) arising from: your Customer Data or your lack of rights to it; your use of Serbell or its output, including any use prohibited by section 08 or section 11; your breach of these Terms; or any act or omission of a user you authorized.
We may update these Terms as Serbell changes. We will post the new version here and update the date at the top. For material changes, we will notify you by email or in the product before they take effect. Continued use after the effective date constitutes acceptance. If you do not accept, stop using Serbell and close your account.
These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
Arbitration. Any dispute arising out of or relating to these Terms or Serbell will be resolved by final and binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, before a single arbitrator, seated in Wilmington, Delaware, and conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.
Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive or equitable relief in court to protect its intellectual property or confidential information, without waiving arbitration for anything else.
No class actions. Disputes are brought individually. Neither party may bring a claim as a plaintiff or class member in any class, collective, or representative proceeding, and the arbitrator may not consolidate claims.
Entire agreement. These Terms, the Privacy Policy, the express consent you accept before connecting accounts, and any plan you accept are the entire agreement between us and supersede prior discussions.
Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of substantially all assets.
Severability and waiver. If a provision is unenforceable, it is limited to the minimum extent necessary and the rest remains in effect. Failure to enforce a provision is not a waiver of it.
Notices. We may give notice by email to the address on your account or in the product. Notices to us go to privacy@serbell.com.
Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control.
Independent parties. Nothing here creates a partnership, joint venture, agency, or employment relationship.
We aim to resolve any concern directly.