Terms and Conditions
Last Updated: June 22, 2026
1. Acceptance of Terms
By creating an account, accessing, or using the Fynnix platform (the "Service"), operated by Sigma Source LLC, headquartered at PO Box 4776, Clearwater, Florida 33958, United States ("Fynnix," "we," "us," or "our"), you ("Customer," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity, in which case "you" refers to that entity.
If you do not agree to these Terms, you may not access or use the Service.
2. Description of Service
Fynnix is an AI-powered finance operations platform that connects to your Stripe account to provide accounts receivable management, automated and AI-generated payment reminders, financial analytics, and related features (collectively, the "Service"). The Service is provided on a software-as-a-service ("SaaS") basis.
Fynnix is continuously developed. Features described as "coming soon" or in beta are provided on an as-available basis and may change, be delayed, or be discontinued without liability to Fynnix.
3. Account Registration and Eligibility
3.1 To use the Service, you must register for an account and provide accurate, current, and complete information.
3.2 You must be at least 18 years old and have the legal authority to enter into a binding contract on behalf of yourself or the entity you represent.
3.3 You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must notify us immediately of any unauthorized use of your account.
4. Stripe Integration and Data Access Authorization
4.1 Authorization to Access Data.By connecting your Stripe account to Fynnix, you expressly authorize Fynnix to access, retrieve, store, and process the following data from your Stripe account via Stripe's official API and OAuth connection: customer records, invoices, charges, payment history, subscription data, and related billing information ("Stripe Data").
4.2 Purpose of Access. Fynnix accesses Stripe Data solely to provide the Service to you, including but not limited to: generating accounts receivable reports, calculating aging summaries, generating payment behavior analytics, and drafting and sending payment reminder communications on your behalf.
4.3 Revocation.You may revoke Fynnix's access to your Stripe account at any time through your Stripe dashboard or by disconnecting the integration within the Service. Upon revocation, Fynnix will cease retrieving new data but may retain previously synced data in accordance with Section 6 unless you request deletion under Section 5.4.
4.4 No Independent Relationship with Stripe.Fynnix is not affiliated with, sponsored by, or endorsed by Stripe, Inc. Your use of Stripe is governed separately by Stripe's own terms of service. Fynnix is not responsible for the availability, accuracy, or performance of the Stripe platform or API.
5. Data Privacy and Security
5.1 Our Commitment. We understand that the data you connect to Fynnix is sensitive financial information. We are committed to protecting it.
5.3 No Unauthorized Sharing. We do not share your data with any third party except: (a) subprocessors strictly necessary to operate the Service (e.g., cloud hosting providers, email delivery providers such as SendGrid or Resend, and AI model providers used to generate reminder content); (b) as required by law, subpoena, or valid legal process; or (c) with your explicit written consent.
5.4 Data Deletion. Upon written request, or upon termination of your account, we will delete your Stripe Data and other account data from our active systems within thirty (30) days, except where retention is required for legal, accounting, or fraud-prevention purposes, or where data is contained in backups that are deleted on a routine cycle.
5.5 Security Measures. We implement industry-standard technical and organizational security measures designed to protect your data, including encryption in transit (TLS) and at rest, access controls, and regular security reviews. No system is completely secure, and we cannot guarantee absolute security.
5.6 AI Processing. Reminder drafts and certain analytics features are generated using third-party AI model providers. Data submitted to these providers for the purpose of generating content is subject to the data handling terms of those providers, which we have reviewed for reasonable data protection commitments. We do not permit our AI subprocessors to use your data to train their general-purpose models.
5.7 Data Location. Customer data may be processed and stored in data centers located in the United States, the European Union, or other jurisdictions where our hosting and subprocessors operate.
6. Data Retention
We retain your account data and Stripe Data for as long as your account is active, and for a reasonable period thereafter as described in Section 5.4, or as required to comply with our legal obligations, resolve disputes, and enforce our agreements.
7. Subscription Plans, Fees, and Billing
7.1 Plans.Fynnix offers multiple subscription tiers ("Associate," "Manager," and "Executive," or as otherwise published on our pricing page), each with different features and pricing as described at fynnix.ai/pricing.
7.2 Payment. Paid subscription fees are billed in advance on a monthly or annual basis, as selected at signup, and are non-refundable except as required by applicable law or expressly stated otherwise.
7.3 Free Trial. Where a free trial is offered, you will not be charged during the trial period. If you do not cancel before the trial ends, you authorize us to begin billing your selected payment method for the applicable subscription fee.
7.4 Price Changes.We may change our fees upon thirty (30) days' written notice. Continued use of the Service after a price change takes effect constitutes acceptance of the new pricing.
7.5 Failure to Pay. If payment cannot be processed, we may suspend or terminate your access to paid features until payment is resolved.
7.6 Taxes. Fees are exclusive of applicable taxes, which you are responsible for paying, except for taxes on our net income.
8. Acceptable Use
You agree not to: (a) use the Service for any unlawful purpose or in violation of any applicable law or regulation, including consumer debt collection laws (e.g., the FDCPA, GDPR, or equivalent local regulations) where applicable to your use of the reminder and collections features; (b) use the Service to harass, threaten, or send misleading communications to your customers; (c) attempt to reverse-engineer, decompile, or gain unauthorized access to the Service or its underlying infrastructure; (d) resell, sublicense, or provide access to the Service to third parties without our written consent; (e) upload or transmit any data you do not have the legal right to use, including data belonging to your own customers that you are not authorized to process.
You are solely responsible for ensuring that your use of the AI-generated reminder and collections features complies with applicable debt collection and consumer protection laws in your jurisdiction and the jurisdictions of your customers.
9. Intellectual Property
9.1 Fynnix and its licensors retain all right, title, and interest in and to the Service, including all software, design, trademarks, and "Fynnix" branding.
9.2 You retain all right, title, and interest in your own data, including your Stripe Data and customer information ("Customer Data"). You grant Fynnix a limited, non-exclusive, royalty-free license to use, store, and process Customer Data solely to provide and improve the Service.
10. AI-Generated Content Disclaimer
The Service uses artificial intelligence to draft payment reminder communications and certain analytics. You acknowledge that: (a) AI-generated content may contain errors and you are responsible for reviewing and approving content before it is sent, where the Service provides a review step; (b) Fynnix does not guarantee the accuracy, appropriateness, or legal compliance of AI-generated content, and you remain responsible for all communications sent on your behalf through the Service; (c) you should not rely solely on Fynnix's analytics for material financial, legal, accounting, or investment decisions without independent verification.
11. Third-Party Services
The Service integrates with and depends on third-party services, including but not limited to Stripe (payment data), SendGrid or Resend (email delivery), and AI model providers. Fynnix is not responsible for the acts, omissions, availability, security, or performance of these third-party services. Your use of such services may be subject to their own separate terms.
12. Disclaimer of Warranties
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or that the Service will be uninterrupted, error-free, or secure. Fynnix does not warrant that use of the Service will result in successful collection of any debt or payment, or any specific financial outcome.
13. Limitation of Liability
13.1 To the maximum extent permitted by law, in no event shall Fynnix, its founders, officers, employees, or agents be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, revenue, data, or business opportunity, arising out of or related to your use of the Service, even if Fynnix has been advised of the possibility of such damages.
13.2 To the maximum extent permitted by law, Fynnix's total aggregate liability arising out of or related to these Terms or the Service shall not exceed the total fees paid by you to Fynnix in the twelve (12) months preceding the event giving rise to the claim.
13.3 Nothing in these Terms limits liability for gross negligence, willful misconduct, or any liability that cannot be limited or excluded under applicable law.
14. Indemnification
You agree to indemnify, defend, and hold harmless Fynnix, its founders (including Stefan Krstic and Stefan Pantovic), officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law, including debt collection or data protection law; or (d) your Customer Data or the content of communications sent through the Service.
15. Termination
15.1 You may terminate your account at any time through the Service or by written notice to us.
15.2 We may suspend or terminate your access to the Service, with or without notice, if you breach these Terms, fail to pay applicable fees, or engage in conduct that we reasonably believe is harmful to Fynnix, other users, or third parties.
15.3 Upon termination, your right to use the Service immediately ceases. Sections that by their nature should survive termination (including Sections 5, 9, 12, 13, 14, and 17) shall survive.
16. Modifications to the Service and Terms
16.1 We may modify these Terms from time to time. Material changes will be communicated via email or in-app notice at least fourteen (14) days before taking effect. Continued use of the Service after changes take effect constitutes acceptance.
16.2 We may modify, suspend, or discontinue any feature of the Service at any time, with reasonable notice where the change materially reduces functionality you are paying for.
17. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts located in Pinellas County, Florida, unless otherwise required by applicable consumer protection law. [This jurisdiction was set based on Sigma Source LLC's Florida address — confirm with counsel that Florida is the intended governing law before publishing.]
18. General Provisions
18.1 Entire Agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fynnix regarding the Service.
18.2 Severability. If any provision of these Terms is found unenforceable, the remaining provisions shall remain in full force and effect.
18.3 No Waiver. Our failure to enforce any provision of these Terms shall not constitute a waiver of that provision.
18.4 Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.
18.5 Force Majeure. Neither party shall be liable for any failure to perform due to causes beyond its reasonable control.
19. Contact
For questions about these Terms, contact us at: hello@fynnix.ai
Fynnix is operated by Sigma Source LLC
PO Box 4776, Clearwater, Florida 33958, United States