Terms of Service

1. Scope and acceptance

These draft Terms of Service govern use of the FFERM public website, its Resources and educational simulations, and the logged-in FFERM Risk Intelligence Platform offered by FFERM Technologies Inc., a Delaware corporation. By using those services, you agree to these Terms. If you use the platform for an institution, you represent that you are authorized to do so.

A separately signed order, master agreement, data-processing agreement, or other written agreement controls where it conflicts with these Terms. Platform access and commercial terms are established through those separate agreements; this website does not offer self-service paid checkout.

2. Eligibility and accounts

You must be at least 13 years old to use the services. If you are under 18, you should use them only with a parent or guardian's permission. You must provide accurate account information, keep credentials secure, and promptly notify us of suspected unauthorized access. An institution is responsible for the users it authorizes and for its own access decisions.

Some public resources and simulations require opening an email verification link. Access links should not be shared; access may expire or be revoked if misused.

3. Permitted use and restrictions

• Use the services only for lawful purposes and within the permissions granted to you.
• Do not attempt unauthorized access, interfere with security or availability, introduce malware, or use automated means to scrape or overload the services.
• Do not use the services to violate another person's rights, upload content you are not permitted to use, or misuse institution or customer information.
• Do not reverse engineer protected software except where applicable law expressly permits it.

4. Your content and institutional data

You or the institution that supplies content retain ownership of that content. You grant FFERM the limited rights needed to host, process, transmit, display, and analyze it to deliver the authorized services, maintain security, and meet applicable agreements. You are responsible for having the rights and permissions needed to submit it, including any notices to individuals.

Do not enter confidential customer or institution data into public-facing Digital Mind conversations or other public educational tools. Follow your institution's policies when using platform integrations or AI features.

5. Educational and AI-assisted content

Public learning simulations use fictional examples and illustrative outcomes. Digital Mind and other AI-assisted features may generate incomplete, inaccurate, or outdated responses. They are educational and decision-support tools, not a substitute for independent professional judgment, institution controls, legal advice, financial advice, regulatory guidance, or medical advice.

You remain responsible for reviewing results and making decisions. We do not promise that a model or simulation predicts events, prevents losses, or establishes regulatory compliance.

6. FFERM intellectual property and third parties

FFERM and its licensors retain their rights in the website, software, methodology, documentation, trademarks, and other original materials. Subject to these Terms and any signed agreement, you receive a limited, nonexclusive right to use the services as authorized; no ownership is transferred.

Third-party services, including integrated systems and embedded chat, may have their own terms. FFERM is not responsible for third-party services outside its control except as provided in a signed agreement.

7. Commercial arrangements and availability

Pricing, subscription periods, implementation services, support commitments, cancellation, refunds, and service levels, if any, are governed by the applicable written agreement with the institution. Nothing on the public website creates a paid subscription.

We may maintain, change, or discontinue public features and may suspend access when reasonably necessary for security, misuse, or legal compliance. Any commitments to a customer about platform availability or termination are governed by its signed agreement.

8. Disclaimers and liability

To the extent permitted by law and subject to any signed agreement, public materials and educational tools are provided as available without a guarantee of uninterrupted operation or a particular result. Nothing in these Terms excludes rights or liability that cannot lawfully be excluded.

Liability for contracted platform services is governed by the applicable signed agreement. Any limitation of liability for public website use should be reviewed and finalized by legal counsel before these draft Terms are adopted.

9. Changes, law, and contact

We may update these Terms by posting a revised version and giving any additional notice required by law or a signed agreement. Continued use after revised terms take effect may constitute acceptance where permitted by law.

Unless a signed agreement provides otherwise, Delaware law governs these Terms, without regard to conflict-of-law rules, and disputes concerning them are subject to courts located in Delaware, to the extent permitted by law. For legal or privacy questions, email privacy@ffermtech.com.