Terms of Service

1. Agreement to Terms

By accessing or using BOB (“the Service”), operated by BOB AI Holdings Corp (“we”, “us”, or “our”), you agree to be bound by these Terms of Service. If you do not agree to these terms, do not use the Service.

2. Description of Service

BOB provides AI-powered financial operations software for small businesses. BOB is a financial technology company and is not a bank. Bank deposit services provided by Erebor Bank NA, Member FDIC. The Service includes:

• Dashboard, API, and chat-channel tools for managing your business finances
• Policy controls, approval flows, audit trails, and operator/team access controls
• Invoice, payment-proposal, account-readiness, and reporting workflows

3. Banking and Payment Provider Boundary

BOB is a financial technology company, not a bank. Banking services, deposit accounts, card programs, payment rails, and regulated money movement are provided by partner banks, payment processors, or other approved providers, where available and subject to approval.

BOB acts as an orchestration, policy, approvals, and software layer. We may help you initiate or approve provider-backed transactions through the Service, but provider records and applicable account agreements control the regulated movement of funds. Crypto, stablecoin, blockchain, or other settlement rails are available only where supported by the relevant provider and are not bank deposits or FDIC-insured.

4. Eligibility

You must be at least 18 years old and capable of forming a binding contract to use the Service. By registering, you represent that the information you provide is accurate and complete.

5. Account and API Keys

You are responsible for maintaining the confidentiality of your account credentials and API keys. You agree to notify us immediately of any unauthorized use. We are not liable for losses arising from unauthorized access to your account due to your failure to safeguard credentials.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or to facilitate illegal activity
• Misrepresent transaction history
• Reverse-engineer, decompile, or attempt to extract source code from the Service
• Exceed rate limits or abuse API access in a manner that degrades the Service for others
• Impersonate another operator, business, or entity

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

8. Indemnification

You agree to indemnify and hold harmless BOB AI Holdings Corp and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.

9. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination shall survive, including liability limitations, indemnification, and dispute resolution.

10. Service Availability

The Service may be provided as beta or early-access software. It may change without notice and may experience interruptions, delays, or errors. We do not guarantee any particular level of uptime or availability.

11. Modifications

We may update these Terms from time to time. We will update the “Last updated” date and, where required, provide additional notice. Continued use of the Service after updates become effective constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the state or federal courts located in Delaware.

13. Contact

Questions about these Terms? Contact us at contact@joinbob.ai.