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Last updated August 7, 2026

Terms of Service

Effective date: August 7, 2026 · Version: v3-2026-08-07

These Terms of Service ("Terms") are a binding agreement between Woven, LLC ("Company," "we," "us," or "our") and the individual or entity that accesses or uses the Service ("you," "your," or "Customer"). By creating an account, clicking "I agree," or accessing or using the Service, you agree to these Terms. If you do not agree, do not access or use the Service. If you are agreeing on behalf of an organization, you represent that you are authorized to bind that organization, and "you" refers to that organization.

1. Definitions

  • "Service" means the Woven software, websites, applications, APIs, integrations, AI

features, and related services made available by the Company.

  • "Customer Data" means data, documents, financial records, and other content you or your users

submit to, or generate through, the Service.

  • "Users" means the individuals you authorize to use the Service under your account (for example,

your staff).

  • "Client(s)" means the businesses or individuals for whom you provide services and whose information

you manage using the Service.

  • "AI Features" means features of the Service that use artificial intelligence, machine learning, or

large language models, including features provided through third-party AI vendors.

  • "Output" means content, suggestions, classifications, drafts, summaries, calculations, or other

results produced by the Service, including by AI Features.

2. Eligibility and Accounts

You must be at least 18 years old and able to form a binding contract. You agree to provide accurate registration information and to keep it current. You are responsible for all activity that occurs under your account and for maintaining the confidentiality and security of your credentials. We recommend enabling multi-factor authentication. You must promptly notify us of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account.

3. The Service Is Software — Not Professional Advice

The Service is a software tool. It is not an accountant, bookkeeper, auditor, certified public accountant, tax preparer, tax advisor, attorney, financial advisor, investment advisor, or fiduciary, and it does not provide accounting, bookkeeping, audit, tax, legal, financial, investment, or other professional advice. The Company is not engaged in the practice of accountancy or law and does not render professional opinions. You — and, where applicable, the licensed professionals in your organization — remain solely responsible for all professional judgment, for the accuracy and legality of your books and filings, and for compliance with all applicable laws, regulations, and professional and industry standards (including but not limited to tax laws, GAAP or other applicable accounting frameworks, and information-reporting rules). Nothing in the Service creates an accountant–client, attorney–client, or fiduciary relationship between you and the Company.

4. Your Responsibility for Data Accuracy and Verification

You are solely responsible for the accuracy, completeness, quality, legality, and reliability of all Customer Data and for all decisions, entries, reports, reconciliations, filings, statements, and other work product produced with the Service. You must independently review and verify all Output before relying on it or acting on it, including — without limitation — journal entries, categorizations, bank and account reconciliations, financial statements and reports, tax calculations, information returns (such as 1099 forms), imported transactions, and documents generated or e-signed through the Service.

The Service may automate, suggest, pre-fill, match, or recommend actions. Automation and suggestions do not transfer responsibility to the Company. You are responsible for reviewing and approving them. We do not independently audit, validate, or guarantee the accuracy or completeness of Customer Data or Output, and we are not responsible for errors, omissions, penalties, interest, fines, rejected filings, or other consequences arising from inaccurate, incomplete, untimely, or unverified information, whether entered by you, imported from a third party, or produced by the Service.

5. AI Features — Use, Limits, and Your Duty to Verify

The Service includes AI Features, some of which are powered by third-party AI providers. AI Output is generated by automated systems and may be inaccurate, incomplete, outdated, biased, or otherwise wrong, even when it appears confident or plausible. AI Features are provided to assist you; they are not a substitute for professional judgment and human review.

By using AI Features you acknowledge and agree that:

  1. **You must independently review, verify, and validate all AI Output before relying on or acting on

it.** You are solely responsible for any decision you make or action you take based on AI Output.

  1. AI Output does not constitute accounting, tax, legal, financial, or other professional advice, and

should not be relied upon as such.

  1. The Company makes no warranty that AI Output is accurate, complete, current, or fit for any

purpose, and disclaims all liability for losses, penalties, or damages arising from AI Output or from your reliance on it without independent verification.

  1. AI Features may be provided, in whole or in part, by third-party providers, and your use may be

subject to their terms; the Company is not responsible for third-party AI providers.

  1. AI Features may be enabled or disabled, may change, and may incur usage-based charges as described at

the time of use. Where the Service provides controls to limit or disable AI Features, you are responsible for configuring them to your requirements.

6. If You Serve Clients

If you use the Service to provide services to your own Clients, you are solely responsible for your Clients, for your engagement and relationship with them, for the accuracy of their records, for communications with them, and for your compliance with all obligations you owe them. The Company has no relationship with, and owes no duties to, your Clients. You are responsible for obtaining any consents and providing any notices required to submit your Clients' information to the Service, and you represent that you have the authority to do so. You will indemnify the Company against claims brought by, or arising from, your Clients as set out in Section 15.

7. Third-Party Services

The Service integrates with third-party services (for example, banking-data aggregators, financial institutions, email and file-storage providers, payment processors, e-signature identity-verification vendors, and AI providers). Those services are provided by the applicable third parties, are governed by their own terms and privacy policies, and are outside the Company's control. The Company is not responsible or liable for any third-party service, or for any act, omission, error, downtime, data, or content of any third party, and your use of them is at your own risk. Third-party data (including imported bank transactions) may be inaccurate or incomplete; you remain responsible for verifying it.

7A. Bank Data Access — Plaid End Client Flow Down Terms

<!-- Sections 1-5 below are Exhibit A (End Client Flow Down Terms) of the Company's Plaid Reseller Partnership Agreement, reproduced VERBATIM. The agreement requires the Partner-Client Agreement to include terms substantially similar to Exhibit A, and Plaid requires records of acceptance to be retained (recorded per account in plaid_end_customers, mirrored into terms_acceptances). DO NOT paraphrase, summarise, reorder or reformat. Only Exhibit A is reproduced — the commercial terms of the reseller agreement are not part of this document. If Plaid updates the flow-down text, replace it here and bump BOTH core/terms.py CURRENT_VERSION and core/plaid_partner.py TERMS_VERSION so every account must re-accept. -->

The Company uses Plaid Inc. ("Plaid") to retrieve bank and financial-account data on your behalf and on behalf of your Clients. Where the Company registers you with Plaid, you authorise the Company to submit the information you provide (legal entity name, address, website, logo, support contact) to Plaid for that purpose.

How to read the sections below. They are Plaid's own terms, passed through to you as required by the Company's agreement with Plaid. In them, "End Client" means you — the accounting firm or business holding this account. "Partner" means the Company (Woven, LLC). "End Users" means your Clients and their authorised users whose financial-account data is retrieved. Note in particular that under Section 4, Plaid is an intended third-party beneficiary and may enforce these sections directly against you, and that Section 5 places obligations on you regarding consents, data handling, information security, breach notification, insurance and indemnity.

1. Restrictions. Unless Plaid specifically agrees otherwise in writing, End Client will not, and will not enable or assist any third-party to: (i) attempt to reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, or algorithms of the Plaid services described at https://www.plaid.com (“Plaid Services”); (ii) modify, translate, or create derivative works based on the Plaid Services; (iii) make the Plaid Services or information and data of End Client’s end users (“End Users”) provided to End Client via the Plaid Services (such information and data, the “Plaid-Provided Data”) or any derivative work thereof available to, or use the Plaid Services or Plaid-Provided Data (or any derivative work thereof) for the benefit of, anyone other than End Client or End Users; (iv) sell, resell, license, sublicense, distribute, rent, or lease any Plaid Services or Plaid-Provided Data (or any derivative work thereof) to any third-party, or include any Plaid Services or Plaid-Provided Data (or any derivative work thereof) in a service bureau, time-sharing, or equivalent offering; (v) publicly disseminate information from any source regarding the performance of the Plaid Services or Plaid-Provided Data; or (vi) attempt to create a substitute or similar service through use of, or access to, the Plaid Services or Plaid-Provided Data. End Client will use the Plaid Services and Plaid-Provided Data only in compliance with: (a) the End Client application, use case, and other restrictions agreed between Plaid and Partner; (b) the Plaid developer policies (available at https://www.plaid.com/legal); (c) Plaid’s applicable technical user documentation (available at https://www.plaid.com/docs); and (d) any agreements between End Client and End Users (for clarity, including any privacy policy or statement). Notwithstanding anything to the contrary, as between Plaid and End Client, End Client accepts and assumes all responsibility for complying with all applicable laws and regulations in connection with End Client’s activities involving any Plaid Services, Plaid-Provided Data, or End User data. End Client acknowledges and agrees that: (I) Plaid is neither a “consumer reporting agency” nor a “furnisher” of information to consumer reporting agencies under the Fair Credit Reporting Act (“FCRA”); and (II) the Plaid-Provided Data is not a “consumer report” under the FCRA. End Client represents and warrants that it will not, and will not permit or enable any third party to, use the Plaid Services (including Plaid-Provided Data) as a or as part of a “consumer report” as that term is defined in the FCRA, or otherwise use the Plaid Services (including Plaid-Provided Data) such that the Plaid Services (including Plaid-Provided Data) would be deemed “consumer reports” under the FCRA. Notwithstanding anything to the contrary, End Client will be bound by, and will only use the Plaid Services and Plaid-Provided Data in compliance with, the terms and conditions set forth in this agreement.

2. Secondary Investors. Subject to this Section 2 (Secondary Investors), End Client may request that Plaid or Partner disclose Plaid-Provided Data or a Partner product or service including or incorporating Plaid-Provided Data (collectively, the “Shared Data”) to End Client’s Secondary Investors. “Secondary Investor” means a third-party investor or purchaser of a financial product originated by End Client and provided to an End User (e.g., a loan), with which investor or purchaser Plaid maintains a separate technical integration.

  • (i) End Client represents and warrants to Plaid that, before disclosure of Shared Data to any Secondary Investor, End Client will provide and obtain all required (including under applicable law) notices and consents from the applicable End User with respect to disclosure of Shared Data to such Secondary Investor by Plaid or Partner.
  • (ii) Notwithstanding anything to the contrary: (a) as between Plaid and End Client, solely End Client is responsible for its relationships with Secondary Investors and with Partner, including any related billing matters, technical support, or disputes; (b) End Client will enter into legally binding written agreements with each Secondary Investor that are consistent with this Section 2 (Secondary Investors) and all applicable terms and conditions of this Exhibit A (End Client Flow Down Terms), including Section 1 (Restrictions); and (c) as between Plaid and End Client, End Client will remain responsible for the Secondary Investors’ compliance with all of the terms and conditions of this Exhibit A (End Client Flow Down Terms) (including terms relating to use of Plaid-Provided Data or Shared Data).
  • (iii) As between Plaid and End Client, End Client will be fully liable for: (a) any breach by End Client of this Section 2 (Secondary Investors); (b) any acts or omissions of Secondary Investors; and (c) any dispute arising among End Client, Partner, Secondary Investors, and/or End Users relating to the

disclosure or use of Shared Data as contemplated in this Section 2 (Secondary Investors).

3. Privacy and Authorizations. Before any End User engages with Partner products or services which include, are derived from, or incorporate the Plaid Services, End Client warrants and will ensure that it provides all notices and obtains all consents required under applicable law to enable Plaid to process End User data in accordance with Plaid’s privacy policy (currently available at https://www.plaid.com/privacy). End Client will not: (i) make representations or other statements with respect to End User data that are contrary to or otherwise inconsistent with Plaid’s privacy policy; or (ii) interfere with any independent efforts by Plaid to provide End User notice or obtain End User consent.

4. DISCLAIMER; ENFORCEMENT. THE PLAID SERVICES, PLAID-PROVIDED DATA, AND ANY OTHER INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND MATERIALS PROVIDED BY PLAID IN CONNECTION WITH THIS AGREEMENT ARE PROVIDED “AS IS.” TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER PLAID NOR ITS AFFILIATES, SUPPLIERS, LICENSORS, OR DISTRIBUTORS MAKE ANY WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING, BUT NOT LIMITED TO, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NONINFRINGEMENT, OR ANY WARRANTY THAT THE SERVICES ARE FREE FROM DEFECTS. WITHOUT LIMITING THE FOREGOING IN THIS SECTION 4 (DISCLAIMER; ENFORCEMENT), NEITHER PLAID NOR ITS AFFILIATES, SUPPLIERS, LICENSORS, OR DISTRIBUTORS MAKE ANY REPRESENTATION OR WARRANTY AS TO THE PLAID-PROVIDED DATA THAT MAY BE OBTAINED FROM USE OF THE PLAID SERVICES OR THAT ANY PLAID SERVICES WILL BE UNINTERRUPTED, OR THAT ANY DATA PROVIDED BY OR THROUGH ANY PLAID SERVICES WILL BE TIMELY, ACCURATE, OR COMPLETE. PLAID WILL BE AN INTENDED THIRD-PARTY BENEFICIARY OF THE AGREEMENT BETWEEN PARTNER AND END CLIENT AND MAY DIRECTLY ENFORCE SUCH AGREEMENT AGAINST END CLIENT, WITHOUT PARTNER’S CONSENT OR PARTICIPATION, BUT SOLELY RELATING TO THE PLAID-PROVIDED DATA (INCLUDING FI DATA) AND PLAID SERVICES THAT ARE PROVIDED BY PLAID TO PARTNER OR END CLIENT.

5. FI Data. Through the Partner Services or Plaid Services, End Client may have access to information about or of End Users provided to Plaid by a bank, financial institution, or other data source (each, as designated by Plaid, “FI”, and such information, the “FI Data”).

  • (i) End Client Obligations.
  • a. End User Consents. End Client will provide all notices to, and obtain all express consents from, each End User as required under applicable laws in connection with End Client’s use, storage, and other processing of any FI Data (such notices and consents, the “Express Consents”). Express Consents will: (A) be clear and conspicuous; (B) generally specify the categories of FI Data that End Client will receive and how End Client will use, store, and otherwise process FI Data; (C) be valid, enforceable, and expressly accepted by each End User; (D) identify any and all third parties or categories of third parties to whom End Client may provide FI Data for processing; (E) specify how End Users may exercise their right to revoke their Express Consent; and (F) include any other required disclosures under applicable laws. End Client will maintain records (which may include technical logs, screenshots, versions of Express Consents obtained) sufficient to demonstrate End Client’s compliance with this Section 5(i)(a) (End User Consents) and will promptly provide such records to Plaid upon request.
  • b. Scope of Access. End Client will only access FI Data for which it has obtained Express Consents from the End User for the use case reviewed and permitted by Plaid in writing and consented to by the applicable End User (such use case, the “Permitted Use Case”). For clarity, key factors Plaid will consider during its review of a potential Permitted Use Case include whether the use case is appropriate and useful to provide the End User with the End Client application that the End User has enrolled in, whether the End Client application provides a direct benefit to the End User, whether the use case directly supports the development of new or improved product features for the benefit of End Users, and the jurisdiction(s) in which the End Client operates and/or stores FI Data. If End Client possesses FI Data that exceeds the scope of the End User’s Express Consents, End Client will use industry-standard means to

permanently and securely delete (“Delete”) such FI Data; provided that End Client may retain such FI Data to the extent required by applicable laws. If End Client becomes aware that any data it receives from Plaid does not relate to the End User that End Client originally requested FI Data for, End Client will promptly notify Plaid and will Delete such data.

  • c. Data Use. End Client will use, store and otherwise process FI Data solely in accordance with the End User’s Express Consents and applicable laws.
  • d. Data Disclosure. End Client will not disclose, transfer, syndicate or distribute FI Data to any third party (including its Permitted Service Providers) (“Data Sharing”) except in each case with the End User’s Express Consent and in accordance with applicable laws. Notwithstanding anything to the contrary, End Client will not sell FI Data.
  • e. Data Deletion. End Client will promptly Delete any FI Data upon request by the applicable End User; provided that End Client may retain copies of FI Data solely to the extent required by applicable laws. f. No Attribution. End Client will not charge End Users any fees attributable to an FI for (a) access to its FI Data or (b) use of End User’s account with an FI in connection with the End Client application. In addition, End Client will not suggest or imply a partnership, sponsorship, or other relationship with an FI based on End Client’s receipt of FI Data under the Partner-Client Agreement or this Section 5 (FI Data).
  • g. No Other Access. During the term of the Agreement, End Client will only access FI Data through the Plaid Services or another manner that uses the FI’s authorized APIs. End Client will not “screen scrape” data from FIs or collect an End User’s log-on credentials for FI accounts, and will not otherwise knowingly obtain from a third party FI Data that was originally sourced through screen scraping an FI. End Client will immediately Delete any such End User log-on credentials in its possession. End Client will maintain records to demonstrate compliance with this Section 5(i)(g) (No Other Access). For the avoidance of doubt, nothing in this Section 5(i)(g) (No Other Access) will prohibit End Client from engaging any third party to obtain services similar to the Plaid Services, provided that such third-party services enable End Client's access to FI Data solely via the FI’s authorized APIs.
  • h. Compliance with Laws. End Client will comply with all applicable privacy, security, and other laws pertaining to FI Data. End Client will not use, store, disclose, or otherwise process any FI Data for any purpose not permitted under applicable laws. For the avoidance of doubt, End Client acknowledges that Section 1033 of the Dodd-Frank Act may include obligations on End Client relating to processing, handling, and protecting FI Data. End Client will maintain a program designed to ensure compliance with applicable laws, including appropriately training End Client personnel. i. Information Security Program. End Client will maintain a comprehensive written information security program approved by its senior management (“Infosec Program”). The Infosec Program will include administrative, technical and physical measures designed to: (a) ensure the security of FI Data, (b) protect against unauthorized access to or use of FI Data and anticipated threats and hazards to FI Data and (c) ensure the proper disposal of FI Data. The Infosec Program will be appropriate to End Client’s risk profile and activities, the nature of the End Client application, and the nature of the FI Data received by End Client. In any event, the Infosec Program will meet or exceed applicable control objectives captured in industry standards and best practices, such as AICPA Trust Service Criteria for Security, NIST 800-53, or ISO 27002, and will comply with applicable laws. End Client will use up-to-date antivirus software and anti-malware tools designed to prevent viruses, malware, and other malicious code in the End Client application or on End Client’s systems. j. Security Breach Obligations. End Client will notify Plaid promptly (and in any event within twelve (12) hours) via an email to security@plaid.com, following End Client becoming aware of any Security Breach, providing a description of all known facts, the types of End Users affected, and any other information related to such Security Breach that Plaid may reasonably request. End Client will reasonably cooperate with Plaid in investigating and remediating

Security Breaches. End Client will be responsible for the costs of investigating, mitigating, and remediating the Security Breach. “Security Breach” means any event that compromises the End Client application or End Client’s systems or that does or reasonably could compromise the security, integrity or confidentiality of FI Data or result in the unauthorized use, disclosure, or loss of FI Data.

  • k. FI Confidential Information. If Plaid discloses to End Client any confidential or proprietary materials of an FI pertaining to the provision of FI Data hereunder (such materials, “FI Confidential Information”), such materials will be subject to the same obligations that apply to Partner’s Confidential Information under the Partner-Client Agreement, which will in no event be less protective of such information than a reasonable standard of care. FI Confidential Information will also be subject to the same obligations as FI Data under this Section 5(i) (End Client Obligations). End Client will promptly Delete FI Confidential Information in its possession upon Plaid’s request and will provide a written certification regarding such Deletion. l. Oversight and Cooperation. Toward assessing End Client’s material compliance with this Section 5 (FI Data), End Client will promptly provide all reasonably necessary information and cooperation requested by Plaid, an FI, or any entity with examination, supervision, or other legal or regulatory authority over Plaid or an FI. In the event that Plaid has a good faith reason to believe that End Client is not in material compliance with this Section 5 (FI Data), Plaid will notify End Client and, upon Plaid’s request, End Client will promptly provide sufficient documentation to demonstrate such material compliance. If the documentation provided by End Client in accordance with the immediately prior sentence is insufficient (in Plaid’s reasonable discretion) to demonstrate such material compliance, End Client will submit to a third-party audit by a firm selected by End Client from a list of audit firms reasonably approved by Plaid to verify such compliance. Plaid and FIs may also conduct technical or operational assessments of End Client, which will be subject to advance notice and will not occur more than once per year unless legally required and materially different in scope from a preceding audit.
  • m. Information Sharing. Where required by an FI or relevant to an End Client’s access or use of FI Data from that FI, Plaid may share with such FI certain information related to End Client’s compliance with this Section 5 (FI Data), including with respect to End Client’s Infosec Program. Plaid will use commercially reasonable efforts to require that such FI treat any such information in a confidential manner.
  • n. Insurance. End Client will maintain insurance coverage appropriate to End Client’s risk profile and activities, the nature of the End Client application, and the nature of the FI Data received by End Client; provided that such coverage will be no less than industry standard and will include cybersecurity liability insurance.
  • o. Access Frequency. The parties acknowledge that as of the effective date of the Partner-Client Agreement, no guidelines regarding End Client’s frequency of “batch” pulls of FI Data (such guidelines, the “Guidelines”) apply to Plaid end clients. Notwithstanding the foregoing in this paragraph: (1) End Client will comply with any Guidelines provided in writing by Plaid (including via Partner); and (2) Plaid and Partner may enforce such Guidelines to the extent necessary in accordance with Plaid’s standard practices, which may include throttling, suspension or termination of End Client’s access.
  • p. End Client Marks License. End Client hereby grants to Plaid and each FI (and each of their third-party service providers) the non-exclusive and non-transferable right and license to use End Client’s trademarks and service marks solely in connection with consent management activities, including use associated with End User facing consent management portals operated by Plaid or an FI.
  • (ii) Suspension. Plaid may suspend End Client’s access to the Plaid Services or FI Data, in whole or in part, if Plaid determines or reasonably believes that: (a) End Client has breached this Section 5 (FI Data); (b) End Client’s use of the Plaid Services or FI Data will or has materially violated an agreement between Plaid and an applicable FI; (c) End Client’s use of the Plaid Services or FI Data will or does pose a risk of material harm, including material reputational harm, to End Users, an FI,

or the Plaid Services. In addition, an FI may suspend End Client’s access to FI Data with respect to such FI. Plaid will use commercially reasonable efforts to: (1) notify Partner prior to any suspension described in this paragraph; (2) discuss with Partner in good faith any such suspension; and (3) resume End Client’s access to the Plaid Services and FI Data as promptly as is practicable after the basis for such suspension is cured to Plaid’s (and, as applicable, the relevant FI’s) reasonable satisfaction.

  • (iii) Indemnity. End Client will indemnify, defend and hold harmless each FI, Plaid, and the affiliates of each of the foregoing from any claims, actions, suits, demands, losses, liabilities, damages (including taxes), costs, and expenses arising from or in connection with: (a) any Security Breach resulting in unauthorized disclosure of FI Data provided to End Client hereunder; or (b) End Client’s unauthorized or improper use of FI Data provided to End Client hereunder (including any unauthorized Data Sharing, transmission, access, display, storage, or loss). This Section 5(iii) (Indemnity) is not subject to any limitation of liabilities set forth in the Partner-Client Agreement. Each FI is a third-party beneficiary of this Section 5(iii) (Indemnity).
  • (iv) Modifications. End Client acknowledges that continued access to FI Data provided by certain FIs may necessitate modifications to this Section 5 (FI Data) pertaining to all applicable Plaid end clients. End Client will accept such modifications to continue accessing or using the Plaid Services with respect to such FIs. Plaid will use commercially reasonable efforts to notify Partner of the modifications and the effective date of such modifications. If End Client objects to the modifications, its exclusive remedy is to cease any and all access and use of the Plaid Services as it relates to the applicable FI(s). Continued access to or use of such Plaid Services after the effective date of such modifications to this Section 5 (FI Data) will constitute End Client’s acceptance of such modifications.
  • (v) Miscellaneous. In the event of a conflict with any other agreement or provision (including other provisions within the Partner-Client Agreement), the terms and conditions of this Section 5 (FI Data) will govern and prevail. Capitalized terms used in this Section 5 (FI Data) and not otherwise defined will have the meanings ascribed to them in the Agreement. All provisions of this Section 5 (FI Data) will remain in force in the event of the termination or expiration of this Section 5 (FI Data), the Agreement, or the Partner-Client Agreement.

Authority. In addition to the above, you represent that you have authority from each Client whose accounts are connected to authorise retrieval of that Client's financial-account data, and that you will obtain and retain any consent your engagement or applicable law requires.

Credentials. Bank login credentials are entered directly with Plaid and are never received or stored by the Company.

Availability. Bank data access depends on Plaid and on the relevant financial institutions. Connections can be interrupted, and institutions may change or withdraw access. Section 7 applies.

8. Acceptable Use

You will not, and will not permit anyone to: (a) use the Service unlawfully or in violation of these Terms; (b) infringe others' rights or submit content you lack the right to submit; (c) attempt to gain unauthorized access to, disrupt, or interfere with the Service or its security, or circumvent, disable, or defeat any rate limit, access control, or other technical protection measure; (d) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, structure, or organization of the Service, or copy the Service, except as permitted by law; (e) access the Service by any automated means — including any bot, scraper, crawler, spider, headless browser, or AI agent — or scrape, harvest, index, mirror, frame, or bulk-extract any content, data, screen, page, or interface from the Service, except as we expressly authorize in writing or through a documented API under your account credentials; (f) use the Service, or any screen, output, response, or other material obtained from it, to train, fine-tune, or develop any machine-learning or AI model, or to design, build, or market a product or service that is competitive with, substantially similar to, or derivative of the Service; (g) upload malware or harmful code; (h) misuse AI Features (including to generate unlawful content or to attempt to extract or reconstruct underlying models); or (i) use the Service in a way that impairs it for others. We may suspend or terminate access for violations, and we may deploy automated measures that detect and block scraping, crawling, or other automated access. These restrictions survive termination.

9. Customer Data; Your Content License to Us

As between you and the Company, you retain ownership of Customer Data. You grant the Company a worldwide, non-exclusive license to host, copy, process, transmit, display, and use Customer Data solely to provide, maintain, secure, and improve the Service and as otherwise permitted by these Terms and the Privacy Policy. You represent that you have all rights necessary to submit Customer Data and to grant this license. You are responsible for the content and legality of Customer Data.

10. Backups and Data Loss

The Company may maintain backups of Service data as an operational practice, but you are responsible for independently maintaining your own copies of Customer Data and work product. The Company does not guarantee against loss, corruption, or unavailability of data and, to the maximum extent permitted by law, is not liable for any such loss.

11. Fees and Payment

If the Service (or a feature) is offered for a fee, you agree to pay all applicable fees, including usage-based charges (for example, certain AI, verification, statement-retrieval, or connection charges) as described at the time of use or in an order. Fees are exclusive of taxes, which are your responsibility. Except as required by law or expressly stated, fees are non-refundable. We may change fees prospectively with notice.

11.1 Recurring and automatic billing authorization. When you provide a payment method, you authorize us (and our payment processor) to store that payment method and automatically charge it, on a recurring basis and without further approval from you for each charge, for: (a) your subscription fee each billing period; and (b) any usage-based, metered, overage, add-on, or per-book charges you incur. You authorize these charges until you cancel in accordance with these Terms. You are responsible for keeping a valid payment method on file.

11.2 Billing cycle. Subscription fees are billed per billing period on your account's billing day. Usage-based and metered charges (including AI usage above any included allowance and cleanup/onboarding usage) accrue during the period and are billed together with, or in arrears following, the subscription fee. We may assign or change your billing day, and prorate a partial first period, in our reasonable discretion.

11.3 AI usage, allowances, and overage. Certain AI features draw on a per-account allowance. AI usage beyond the included allowance (including during a cleanup or onboarding engagement, which may be treated as billable pass-through) is a metered charge you authorize under Section 11.1. You can view your current AI usage and adjust or cap it in the Service; when an account reaches a cap, AI features may pause and fall back to manual entry.

11.4 Failed payments; dunning; and effect on access. If a charge fails, we may retry it and will notify you to update your payment method. On a failed or past-due charge we may immediately pause paid features (including AI). If the balance remains unpaid, your account may become read-only (you can still view and export your data) after a grace period, and may be suspended thereafter, as further described in Section 17. We are not responsible for any consequence of a pause, read-only status, or suspension that results from your failure to maintain a valid payment method or to pay amounts due. You remain responsible for all amounts owed. Reasonable late fees or retry/processing costs may apply where permitted by law.

12. Intellectual Property

The Service, and all software, content, and materials provided by the Company (excluding Customer Data), are owned by the Company or its licensors and are protected by intellectual-property laws. Subject to these Terms, the Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes during the term. No other rights are granted. Feedback you provide may be used by the Company without obligation to you.

13. Privacy

The Company's collection and use of personal information is described in the Privacy Policy, which is incorporated by reference. You are responsible for your own privacy obligations to your Users and Clients, including providing required notices and obtaining required consents.

14. Disclaimers of Warranties

THE SERVICE AND ALL OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. THE COMPANY DOES NOT WARRANT THAT THE SERVICE OR ANY OUTPUT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, SECURE, OR UNINTERRUPTED, OR THAT IT WILL MEET YOUR REQUIREMENTS OR ACHIEVE ANY PARTICULAR RESULT. YOU ASSUME TOTAL RESPONSIBILITY AND RISK FOR YOUR USE OF THE SERVICE AND OUTPUT.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) IN NO EVENT WILL THE COMPANY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS, OR FOR ANY PENALTIES, FINES, INTEREST, OR TAX LIABILITIES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) THE COMPANY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

(c) These limitations apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if a remedy fails of its essential purpose. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you; in that case, the Company's liability is limited to the maximum extent permitted by law.

16. Indemnification

You will defend, indemnify, and hold harmless the Company and its officers, directors, employees, and agents from and against any claims, damages, liabilities, losses, penalties, fines, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your Customer Data; (b) your use of the Service or Output, including your reliance on any Output without verification; (c) your provision of services to, or relationship with, your Clients; (d) your violation of these Terms or of any law or third-party right; or (e) your accounting, tax, or other filings or professional work.

17. Suspension and Termination

You may stop using the Service at any time. We may suspend or terminate your access, in whole or in part, if you breach these Terms, if required by law, or to protect the Service or others. Upon termination, your license ends and you must stop using the Service. We may make Customer Data available for export for a limited period after termination as described in our then-current practices, after which we may delete it. Sections that by their nature should survive termination will survive.

18. Beta and Early-Access Features

Features identified as beta, preview, early-access, or evaluation are provided for testing, may be changed or withdrawn at any time, may be unstable or unsupported, and are provided "AS IS" with no warranties and with the limitations of liability in these Terms. Do not rely on beta features for production or compliance purposes.

19. Electronic Records and Signatures

You consent to conduct transactions electronically and to receive communications, agreements, and disclosures from us electronically. Electronic signatures, acceptances, and records made through the Service satisfy any legal requirement that such records be in writing, to the extent permitted by applicable law (including the U.S. ESIGN Act and UETA). Your acceptance of these Terms is recorded with a timestamp and other metadata.

20. Changes to the Service and to These Terms

We may modify, suspend, or discontinue the Service or any feature at any time. We may update these Terms from time to time; if we make material changes, we will provide notice (for example, in-app or by email) and, where required, request renewed acceptance. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

21. Dispute Resolution; Governing Law

These Terms are governed by the laws of the State of Pennsylvania, without regard to conflict-of-laws rules. Any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration on an individual basis under the rules of the American Arbitration Association, seated in Bucks County, Pennsylvania. To the extent permitted by law, you and the Company waive any right to a jury trial and to participate in a class, collective, or representative action. Any claim must be brought within one (1) year after it arises, or it is permanently barred, to the extent permitted by law.

22. Force Majeure

The Company is not liable for any delay or failure to perform due to causes beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor conditions, governmental action, internet or utility failures, third-party service failures, or cyber-attacks.

23. Miscellaneous

These Terms (with the Privacy Policy and any order or supplemental terms) are the entire agreement between you and the Company regarding the Service and supersede prior agreements on that subject. If any provision is held unenforceable, the rest remains in effect and the unenforceable provision is modified to the minimum extent necessary. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them (for example, in connection with a merger or sale). Notices to you may be given in-app or by email. Headings are for convenience only. Nothing in these Terms creates any third-party beneficiary rights.

24. Contact

Questions about these Terms:

Woven, LLC 4387 W Swamp Rd #167 Doylestown, PA 18902 support@wovenos.co

_By clicking "I agree" (or by accessing or using the Service), you acknowledge that you have read, understood, and agree to be bound by these Terms, including the disclaimers of warranties, the limitation of liability, and your responsibility to independently verify all Output (including AI Output)._