Terms and Conditions

To access the Service, you must create an account by providing accurate, current, and complete information, including a valid email address and password. You agree to update your account information promptly to maintain its accuracy.

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to: (a) use Multi-Factor Authentication (MFA) when prompted; (b) notify us immediately (within twenty-four (24) hours) of any unauthorized access or use of your account; and (c) ensure that you log out of your account at the end of each session when using shared devices.

The Service uses Plaid Inc. (“Plaid”) to connect your financial accounts. By using the Service, you authorize Plaid to access, retrieve, and transmit your financial account information on your behalf. Your use of Plaid is subject to Plaid's End User Privacy Policy (available at https://plaid.com/legal). We are not responsible for the accuracy, availability, or security of data provided by Plaid or your financial institutions.

Subscription payments are processed by Stripe, Inc. (“Stripe”). By subscribing to the Service, you agree to Stripe's Terms of Service and Privacy Policy. We do not store your complete payment card information; such information is processed and stored securely by Stripe.

The Service is hosted on Google Cloud Platform (“GCP”). Your data is stored in GCP's us-central1 region located in the United States. Your use of the Service is subject to Google's terms and policies as they relate to our use of GCP infrastructure.

Access to the Service requires a paid subscription. Subscription plans and pricing are available on our website and within the application. We reserve the right to modify subscription pricing upon reasonable notice to existing subscribers.

Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your selected plan). Your subscription will automatically renew at the end of each billing period unless cancelled prior to the renewal date.

From time to time, we may offer promotional codes that provide free or discounted access to the Service. Promotional codes are subject to specific terms and expiration dates communicated at the time of issuance. Promotional codes cannot be combined, transferred, or redeemed for cash.

You may cancel your subscription at any time through your account settings or by contacting us at support@sembroni.tech. Cancellation will be effective at the end of your current billing period, and you will retain access to the Service until that date. NO REFUNDS WILL BE PROVIDED FOR ANY REASON, INCLUDING PARTIAL BILLING PERIODS, UNUSED SUBSCRIPTION TIME, OR DISSATISFACTION WITH THE SERVICE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, OFFICERS, 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 OR INABILITY TO USE THE SERVICE.

THE COMPANY'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO THE COMPANY FOR THE SERVICE DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

Notwithstanding the general indemnity in Section 11.1, if you violate the prohibition against uploading Protected Health Information (PHI) or any data subject to the Health Insurance Portability and Accountability Act (HIPAA) as set forth in Section 9, you acknowledge that such action creates significant legal and financial risk for the Company.

You agree to be 100% liable for, and shall indemnify, defend, and hold harmless the Company and its affiliates from and against any and all resulting damages, including but not limited to: (a) civil or criminal fines and penalties imposed by the U.S. Department of Health and Human Services (HHS), the Office for Civil Rights (OCR), or any other state or federal regulatory body; (b) costs associated with legally mandated data breach notifications to affected individuals and government agencies; (c) costs for providing credit monitoring or identity theft protection services to affected individuals; and (d) all reasonable attorneys' fees, forensic accounting costs, and court costs incurred by the Company arising directly or indirectly from your breach of Section 9.

Some jurisdictions do not allow the exclusion or limitation of certain damages. If these laws apply to you, some or all of the above exclusions or limitations may not apply, and you may have additional rights.

You agree to indemnify, defend, and hold harmless the Company and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any decisions you make based on information provided through the Service.

Notwithstanding the general indemnity in Section 13.1, if you violate the prohibition against uploading Protected Health Information (PHI) or any data subject to HIPAA as set forth in Section 9, you acknowledge that such action creates significant legal and financial risk for the Company.

You agree to be 100% liable for, and shall indemnify, defend, and hold harmless the Company and its affiliates from and against any and all resulting damages, including but not limited to: (a) civil or criminal fines and penalties imposed by HHS, OCR, or any other state or federal regulatory body; (b) costs associated with legally mandated data breach notifications; (c) costs for providing credit monitoring or identity theft protection services to affected individuals; and (d) all reasonable attorneys' fees, forensic accounting costs, and court costs incurred by the Company arising directly or indirectly from your breach of Section 9.

You have the right to request that we correct any inaccurate Personal Information that we maintain about you or your business. Given the financial nature of the Service, it is your responsibility to ensure that the data you provide—including service lines and clinic identifiers—is accurate and up to date. To submit a request for correction, you must contact support@sembroni.tech with the subject line “Data Correction Request.” Your request must: (a) specify the exact data points you believe are inaccurate; and (b) provide the correct information.

You acknowledge that much of the financial data displayed in the Service is provided via third-party integrations (e.g., Plaid). If the inaccurate data originates from your financial institution, we may be unable to correct it within the Service until it is corrected at the source. In such cases, we will provide you with instructions on how to address the inaccuracy with the relevant third-party provider.

We reserve the right to deny a correction request if: (a) we determine, based on a preponderance of evidence, that the existing data is accurate; (b) the request is fraudulent, repetitive, or vexatious; or (c) correcting the data would require disproportionate technical effort or is legally prohibited. If a request is denied, you may submit a “Statement of Disagreement” (not to exceed 100 words), which we will attach to the disputed data point to the extent required by applicable state law.

If you are a resident of a state that grants a statutory right to appeal a denied correction request (such as Colorado, Virginia, or Texas), you may submit an appeal to support@sembroni.tech within thirty (30) days of our denial. If your appeal is denied, we will provide you with a method to contact your State Attorney General as required by law.

You may terminate your account at any time by cancelling your subscription and requesting account deletion through your account settings or by contacting support@sembroni.tech.

We reserve the right to suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice. Reasons for termination may include, but are not limited to: violation of these Terms, suspected fraudulent activity, extended periods of inactivity, or discontinuation of the Service.

If you delete your account through the application, data deletion is immediate. If you request deletion through the operations support channel (support@sembroni.tech), it may take up to thirty (30) days to permanently delete all data. We are not responsible for any data lost if any request is made after the account is permanently deleted. Anonymized and aggregated data may be retained for analytical purposes. Audit and security logs may be retained in accordance with our cloud infrastructure provider's retention policies for security, fraud prevention, and legal compliance purposes.

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

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good faith negotiations. If the dispute cannot be resolved through negotiations within thirty (30) days, either party may pursue binding arbitration in accordance with the rules of the American Arbitration Association. The arbitration shall take place in the State of Florida. Each party shall bear its own costs and attorneys' fees.

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

If you are a resident of Colorado, Connecticut, Texas, Virginia, or Florida and we decline to take action regarding your request to exercise a privacy right (such as a request to correct or delete data), you have the right to appeal our decision. Please submit your appeal to support@sembroni.tech within thirty (30) days of our decision. We will respond to your appeal in writing within forty-five (45) days. If your appeal is denied, we will provide you with a mechanism to contact your State Attorney General.

For users in states requiring the recognition of Universal Opt-Out Mechanisms (UOOM), please note that on the web version of the Service only, we are configured to detect and honor “Do Not Track” or “Global Privacy Control” signals sent from your device or browser settings. Activating these signals will be treated as a valid request to opt out of the “sharing” or “processing” of your data for targeted advertising purposes.

Pursuant to the Texas Responsible Artificial Intelligence Governance Act, you are hereby notified that Fluence AI features utilize artificial intelligence and machine learning to process your financial data and generate business outputs. By using these features, you acknowledge that you are interacting with an automated system.

For Florida residents, once we have fulfilled a request to delete or correct your personal information, we will provide you with a written confirmation of compliance within sixty (60) days of the completion of the request.