Terms of Use

Fin360AI (the “Service”) is operated by Infinidatum LLC, a Connecticut limited liability company (“we,” “us”). By accessing the Service, creating an account, or using any output from it, you agree to these Terms of Use.

These Terms incorporate the Privacy Policy and the Disclaimer. Where the Disclaimer and these Terms both address a point and disagree, these Terms govern. If you are agreeing on behalf of a firm, you confirm you are authorised to bind it, and “you” means that firm.

The Service is a business research tool for professionals — recordkeepers, third-party administrators, advisers, consultants, and firms that invest in or acquire them. You must be at least 18 and using the Service in the course of a business.

It is not intended for, and must not be presented to, retirement plan participants as information about their own plan or their own retirement savings. If you are a participant with a question about your account, your plan administrator is the only place that can answer it.

An account is created either with an email address and a password or through Google sign-in. You are responsible for the security of whichever you use — the password you set here, or the Google account you sign in with — and for everything done under your account. A password must not be one you use anywhere else. Accounts are for named individuals: sharing credentials, or letting people outside your subscribed scope use your access, is a breach of these Terms. Tell us promptly at admin@infinidatum.net if you believe your access has been misused.

You agree not to:

• scrape, crawl, bulk-download or otherwise systematically extract the ranked lists, scores or underlying tables, whether by automated means or by hand;
• redistribute, resell, sublicense or publish the scores, rankings or derived figures outside your own firm without our written agreement — internal use is what a subscription covers, and putting scores in front of your own clients is a separate conversation;
• use the Service or its output to build, train or evaluate a competing dataset, model or product;
• present a score, ranking or probability to a plan sponsor, committee or fiduciary in a way that implies it is a recommendation, an opinion about that plan’s arrangements, or a fiduciary assessment;
• use the Service to harass a named plan, sponsor or provider, or in any way that breaks the law or an obligation you owe to a client;
• interfere with the Service, probe it for vulnerabilities other than through a good-faith disclosure to admin@infinidatum.net, or attempt to access data that is not yours.

Watchlists and the notes on them are yours. You keep every right you have in them, we claim none, and we use them only to run the feature — storing them, showing them back to you, and deleting them when you or your account goes. We do not read them to improve rankings, do not use them to train any model, and do not disclose them to another user or to anyone else except where the law compels it.

The note field asks for call notes, so you will often be recording information about identifiable people at a plan sponsor. You are responsible for what you put there. By entering it you confirm you are entitled to record it, that doing so is consistent with any professional, supervisory or records obligation binding your firm, and that you will keep it to what the business reason requires. Do not use these fields for special categories of personal data, for anyone’s government identifiers or financial account numbers, or for material you are under a duty of confidence not to put into a third-party system.

The Privacy Policy sets out how notes are handled in practice, and what happens when somebody who is not the account holder asks about one.

The pricing page publishes a list price for each tier. Those are list prices, billed annually and exclusive of tax. They are an invitation to treat rather than an offer, and they may change — but a change never applies to a term you have already paid for.

No paid checkout exists on this site today. Access is granted by hand and invoiced, so a subscription begins only on the terms agreed in writing with you. That writing, not the pricing page, fixes your price, term, scope and renewal, and where the two disagree the agreement governs.

When self-serve purchase goes live, the remaining commercial terms — refunds and the payment processor — will be set out before purchase rather than assumed by this clause, and this section will be replaced.

The Service is built on the U.S. Department of Labor’s published Form 5500 structured datasets — a mandatory annual return and a public US government record. We claim no ownership of those filings, they are not licensed to us by anyone, and nothing in these Terms restricts your ability to obtain them yourself from the Department.

What we do claim is the work on top: the identity resolution across form years, the outcome definitions, the feature construction, the fitted models, the resulting scores and rankings, the validation figures, and the presentation of all of it.

The data has limits, and they are documented rather than disclaimed away. The most recent form year is always partial. Outcomes can only be resolved for years where a following filing exists. Terminations and mergers are not currently separable. Signals are published with the gates they failed as well as the gates they passed. The data page and the method page are part of what you are agreeing you have had the opportunity to read.

Subject to these Terms, we grant you a non-exclusive, non-transferable, revocable licence to access the Service and to use its output internally within your firm for your own business purposes, including in your own analysis and your own client work, for as long as your access is current.

You may quote a limited amount of output externally with attribution to Fin360AI, provided you do not reproduce a substantial part of a ranked list and do not present the quoted material as advice. Anything beyond that — embedding scores in your product, distributing them to clients, warehouse delivery — needs written agreement, which is what the licence subject line on the contact page is for.

You keep everything you create: your watchlists, your notes and your own analysis remain yours, and they stay yours after your access ends.

If you tell us what is wrong with the product, what is missing, or which signal did not survive contact with a book you know, we may act on it and build it without owing you anything and without it becoming yours or staying confidential. That is the usual bargain for feedback and it is stated so nobody is surprised by it. It is limited to feedback about the product: it does not reach the contents of your watchlists or your notes, which the clause above keeps yours, and it does not entitle us to identify you as the source without your agreement.

Nothing in the Service is investment, legal, tax, accounting, actuarial or other professional advice, and no one here is a licensed adviser. Use of the Service creates no advisory, fiduciary or agency relationship, and we do not act as a fiduciary to any plan under ERISA or any other law. Every decision you take, and every recommendation you make to a client, remains yours and is made under your own professional obligations. The Disclaimer sets this out in full and is part of these Terms.

THE SERVICE, ALL DATA, SCORES, RANKINGS AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF ACCURACY, COMPLETENESS, TIMELINESS, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY SCORE, RANKING OR VALIDATION FIGURE WILL PROVE ACCURATE OR PREDICTIVE IN ANY FUTURE PERIOD.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOST PROFITS, LOST REVENUE, LOST BUSINESS, LOST OPPORTUNITY OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR ONE HUNDRED U.S. DOLLARS.

These limits do not apply to a party’s fraud or wilful misconduct, or to anything that cannot be limited under applicable law. They exist because an analytic estimate over lagging public filings cannot carry the weight of the commercial decisions people take after reading one, and pretending otherwise would be a worse bargain for both of us than saying so.

You will defend and indemnify us against third-party claims arising from your use of the Service in breach of these Terms — in particular, claims arising from redistributing output without agreement, or from presenting a score to a plan sponsor, committee or fiduciary as advice or as a fiduciary opinion.

You may stop using the Service at any time, and you can ask us to delete your account at admin@infinidatum.net. We may suspend or end access for breach of these Terms, or if we stop offering the Service. Output you lawfully obtained while your access was current remains yours to use internally. Clauses that by their nature should survive — the data and intellectual property clauses, no advice, warranties, liability, indemnification and governing law — survive termination.

These Terms are governed by the laws of the State of Connecticut, United States, without regard to its conflict-of-laws rules, and the state and federal courts located in Connecticut have exclusive jurisdiction. Before filing anything, email us — nearly everything that reaches this clause could have been settled by a conversation.

We may update these Terms. If a change is material, the revision date at the top changes and signed-in users are notified by email before it takes effect. Continuing to use the Service after that is acceptance. If you do not accept a change, stop using the Service and ask us to close your account.

We are not liable for failing to provide the Service because of something genuinely outside our reasonable control — infrastructure or network failure at a provider we depend on, a change to or withdrawal of the public filing archive this product is built from, natural disaster, war, civil disturbance, epidemic, or an act of government. This does not excuse us from refunding fees for a period we did not deliver, and if such an event stops the Service for a sustained period either of us may end the subscription and settle up.

These Terms, with the documents named in clause 1, are the entire agreement between you and us about the Service, and they replace anything said before them. If a provision is unenforceable, it is narrowed only so far as needed and the rest stands. A failure to enforce a provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them to a successor to the business. Nothing here creates a partnership, joint venture, agency or employment relationship, and nobody outside you and us gets rights under these Terms.

Notices are electronic. You agree we may give you notices by email to the address on your account and by posting to this site, and that those satisfy any requirement that a notice be in writing. Keep the address current; a notice sent to a stale one still counts.

Trade controls. You confirm you are not located in, and not acting for anyone located in, a country or on a list against which US trade sanctions or export controls would prohibit us from providing the Service, and that you will not use it in breach of those rules.

We will not use your name without asking. We do not name customers publicly, use a firm’s logo, or cite it as a reference without written agreement first — and agreement to one use is not agreement to the next.

Questions or notices under these Terms go to admin@infinidatum.net. Written notice is given by email to that address; there is no postal address published because there is no staffed office to publish, and the contact page says so rather than printing one that nobody reads.