1. General Description of Services

The Services provide business-focused financial analytics and cash-flow intelligence, including Covmont™ scoring outputs, reports, and related insights. These tools are designed to help founders and business owners understand cash-flow behavior, banking activity patterns, and funding-related indicators from a lender's perspective.

We may update, enhance, or change the Services from time to time, including by adding or removing features or offering new products. Unless expressly stated otherwise, any new features or services are subject to these Terms.

2. Eligibility and Business Use

The Services are intended primarily for business use by entities and business owners located in the United States. By accessing or using the Services, you represent and warrant that:

• You are at least 18 years of age and legally able to enter into binding contracts.
• If you are using the Services on behalf of a business or other legal entity, you have full authority to bind that entity to these Terms.
• You will use the Services only for lawful purposes and in compliance with all applicable laws, rules, and regulations.

3. Account Creation, Access, and Authentication

To access certain features of the Services, you may be required to create an account and provide accurate, current, and complete information. You agree to keep your account information up to date and to maintain the confidentiality of your login credentials.

You are responsible for all activities that occur under your account, whether or not authorized by you. You agree to notify us promptly atsupport@covmont.com if you become aware of any unauthorized access or use of your account.

4. Financial Account Connections and Use of Plaid

Certain features of the Services rely on data obtained from financial accounts that you choose to connect. To securely connect those accounts, we use Plaid Inc. ("Plaid"), a third-party service provider that facilitates communication between financial institutions and our platform.

When you connect a financial account, you authorize Plaid to access your account information and transmit it to us. Covmont does not receive or store your bank login credentials. Plaid may provide us with information such as account identifiers, masked account numbers, balances, transaction details (including dates, amounts, and descriptions), and institution metadata.

We use Plaid-derived data solely for purposes described in our Privacy Policy and other applicable notices, including generating Covmont™ outputs, presenting cash-flow insights, maintaining security, and operating the Services. Use of Plaid is subject to Plaid's own terms and privacy policy, including the Plaid End User Privacy Policy available at https://plaid.com/legal/#end-user-privacy-policy.

5. Use of Covmont and Automated Processing

The Services may use automated analysis, machine learning, and other AI-supported techniques ("Covmont") to interpret financial and business data, categorize transactions, identify patterns, and generate scoring insights or explanations.

All AI-supported outputs are provided for informational and educational purposes only. They are not legal, tax, accounting, or financial advice, and they do not constitute lending decisions or credit determinations. You remain solely responsible for any decisions you make based on such outputs.

6. Nature of the Services; No Lending, Brokerage, or Advisory Activities

Covmont is not a bank, lender, loan broker, credit bureau, credit repair organization, investment adviser, or legal or tax advisor. We do not:

• Provide or arrange loans, lines of credit, or other extensions of credit.
• Make or communicate binding lending or underwriting decisions.
• Provide FICO® Scores or consumer credit reports.
• Provide legal, tax, or investment advice.

Any reference to lending partners, financial products, or lenders is for informational and marketing purposes only. If you engage with any third-party financial provider, your relationship is solely with that provider and is governed by their terms and policies.

7. Fees and Payment Obligations

Access to certain features of the Services, including specific reports or subscriptions, may require payment of fees. The applicable fees and billing terms will be presented at the time of purchase or subscription.

You authorize us (and our payment processors, such as Stripe, Inc.) to charge all amounts due for the Services to the payment method you provide. You agree to keep your payment information accurate and up to date.

Unless otherwise stated (including any limited money-back guarantee that we expressly describe in the Services or in Section 21 below), all fees are quoted and payable in U.S. dollars, are exclusive of taxes, and are non-refundable to the maximum extent permitted by law. You are responsible for all applicable taxes, duties, or similar charges imposed by any governmental authority.

8. Acceptable Use of the Services

You agree not to use the Services in any manner that:

• Violates any applicable law, regulation, or industry rule.
• Infringes or misappropriates any intellectual property, privacy, or other rights of any person or entity.
• Is fraudulent, deceptive, defamatory, harassing, abusive, obscene, or otherwise objectionable.
• Attempts to gain unauthorized access to the Services or associated systems.
• Uses automated scripts, scraping, or data harvesting tools in a way that interferes with or burdens the Services.
• Attempts to reverse engineer, decompile, or otherwise derive the source code or underlying models of the Services, except to the extent such restriction is prohibited by law.

9. Intellectual Property Rights

The Services, including all associated software, models, user interfaces, designs, text, graphics, and other materials, are owned by Covmont or its licensors and are protected by intellectual property and other laws.

Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable license to access and use the Services for your internal business purposes. We reserve all rights not expressly granted in these Terms.

You retain ownership of Your Content (such as business information you submit), but you grant us the rights necessary to operate, improve, and provide the Services as described in our Privacy Policy and related disclosures.

10. Third-Party Services and External Integrations

The Services may reference, integrate with, or provide links to third-party products, services, or websites, including financial institutions, payment processors, analytics tools, and other providers (collectively, "Third-Party Services").

We do not control and are not responsible for Third-Party Services. Your use of Third-Party Services is subject to their own terms and privacy policies. We are not liable for any damages or losses arising from your use of or reliance on Third-Party Services.

11. Privacy and Data Practices

Our collection, use, and sharing of personal information in connection with the Services are described in our Privacy Policy and any additional privacy or data notices we provide. By using the Services, you acknowledge that you have read and understood our Privacy Policy and agree to its terms.

12. Security Practices and User Responsibilities

We implement technical, administrative, and organizational measures designed to help protect the Services and the information we process. However, no security measure is perfect, and we cannot guarantee absolute security.

You are responsible for:

• Maintaining the confidentiality of your account credentials.
• Promptly notifying us of any suspected unauthorized access or misuse.
• Using up-to-date security software and practices on your devices.

13. Suspension and Termination

We may suspend or terminate your access to the Services (in whole or in part) at any time, with or without notice, if we believe you have violated these Terms, pose a security or legal risk, or if we discontinue all or part of the Services.

You may stop using the Services at any time. Certain provisions of these Terms will survive termination, including those relating to intellectual property, disclaimers, limitations of liability, indemnification, and dispute resolution.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES (INCLUDING ALL REPORTS, SCORES, INSIGHTS, AND OTHER OUTPUTS) ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.

WITHOUT LIMITING THE FOREGOING, WE DISCLAIM ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Services will be uninterrupted, secure, or error-free, or that any output or recommendation will be accurate, complete, or suitable for your particular circumstances.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL COVMONT OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US FOR THE SERVICES THAT GAVE RISE TO THE CLAIM DURING THE SIX (6) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY, OR (B) FIFTY U.S. DOLLARS (USD $50).

16. Indemnification

You agree to indemnify, defend, and hold harmless Covmont and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in connection with:

• Your use of or access to the Services.
• Your violation of these Terms or any applicable law.
• Your infringement or misappropriation of any third-party rights.
• Any content or data you submit or process through the Services.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms and any dispute arising out of or relating to the Services will be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of laws principles, except to the extent that applicable law in your jurisdiction requires otherwise.

17.2 Agreement to Arbitrate

YOU AND COVMONT AGREE THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES (COLLECTIVELY, "DISPUTES") WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION, RATHER THAN IN COURT, EXCEPT AS EXPRESSLY PROVIDED BELOW.

17.3 Informal Resolution

Before initiating arbitration, you agree to first contact us at legal@covmont.com and attempt to resolve the Dispute informally. We will attempt to resolve the Dispute informally as well. If the Dispute is not resolved within thirty (30) days after your initial notice, either party may initiate arbitration as described in this Section.

17.4 Arbitration Procedures

Arbitration will be conducted by a single neutral arbitrator through the American Arbitration Association ("AAA") under its applicable rules in effect at the time arbitration is initiated, including the AAA Consumer Arbitration Rules if applicable. The arbitration will be conducted in English. The seat of arbitration will be New York County, New York, unless otherwise required by law or agreed by the parties.

The arbitrator has exclusive authority to resolve all Disputes covered by this arbitration agreement, including any dispute related to the scope, enforceability, or interpretation of this Section.

17.5 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND COVMONT AGREE THAT ALL DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, REPRESENTATIVE, OR COLLECTIVE ACTION, OR AS A PRIVATE ATTORNEY GENERAL. YOU MAY ONLY BRING CLAIMS ON YOUR OWN BEHALF, AND YOU MAY NOT PARTICIPATE AS A CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE ACTION.

17.6 Small Claims and Injunctive Relief

Nothing in this Section prevents either party from bringing an individual action in small claims court where jurisdiction and venue are appropriate. Nothing also prevents either party from seeking temporary or preliminary injunctive relief in a court of competent jurisdiction to protect confidential information or intellectual property rights, pending final resolution of the Dispute by arbitration.

18. Modifications to the Terms

We may update these Terms from time to time, for example to reflect changes to the Services, legal requirements, or business practices. When we make material changes, we will update the "Last Updated" date at the top of these Terms and may provide additional notice as required by law.

Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the Services.

19. Contact Information

If you have questions about these Terms or the Services, you may contact us at:

20. Entire Agreement

These Terms, together with any additional terms referenced in them (such as our Privacy Policy) and any mutually executed written agreements between you and Covmont regarding the Services, constitute the entire agreement between you and Covmont with respect to the subject matter hereof and supersede all prior or contemporaneous understandings, agreements, negotiations, or communications, whether written or oral.

21. Money-Back Guarantee

From time to time, Covmont may advertise a limited money-back guarantee for certain paid plans or Services (for example, a 7-day money-back guarantee for new subscriptions). Any such guarantee is subject to the specific terms described at the time of purchase and to the conditions in this Section 21.

21.1 Eligibility

• Unless we state otherwise, the guarantee applies only to your initial purchase of a qualifying paid plan for a given account or workspace and does not apply to renewals, upgrades, add-ons, or subsequent purchases.
• To be eligible, you must submit a refund request to support@covmont.com within seven (7) calendar days of the initial charge date shown on your receipt or billing statement, unless a different period is expressly stated at the point of purchase.
• We may ask you to provide reasonable information about your experience with the Services so we can understand and diagnose issues.

21.2 Scope of Refund

Unless otherwise specified at checkout:

• The refund covers only the subscription or access fee paid to Covmont for the qualifying plan during the guarantee period.
• Taxes, currency conversion fees, or charges from your bank or card issuer are not covered or reimbursed by Covmont.

21.3 Exclusions

• The guarantee does not apply where we determine, in good faith, that you have materially breached these Terms or used the Services in a fraudulent or abusive manner.
• The guarantee does not apply to fees paid to or collected by third parties (such as financial institutions, payment processors, or other service providers), even if those services are accessed through or in connection with the Services.

21.4 Effect of Refund

If your refund request is approved, we will process the refund to the original payment method where reasonably possible, or otherwise as communicated to you at the time of approval. We may also, in our discretion, cancel or downgrade the applicable plan or account as part of issuing the refund.

This Section 21 does not limit any non-waivable rights you may have under applicable consumer protection laws, but otherwise describes the full extent of any voluntary money-back guarantee offered by Covmont.