Beta Terms of Service

Last Updated: October 20, 2026

Fintentional, Inc. dba Hence (“Fintentional,” “we,” “us,” or “our”) welcomes you. We invite you to access and use our proprietary, artificial intelligence-enabled financial planning and financial education platform, including all related tools, features, content, and outputs, and any related services (collectively, the “Services”), made available via our website located at usehence.com (the “Website”), subject to the following terms and conditions (the “Terms of Service”).

By accessing and/or using the Services, you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Service, and the terms and conditions of our privacy policy (the “Privacy Policy”), which is hereby incorporated into these Terms of Service and made a part hereof by reference (collectively, the “Agreement”). If you do not agree to any of the terms in this Agreement, then please do not use the Services. We may modify these Terms of Service from time to time. If we make changes, we will update the “Last Updated” date above and, for material changes, we will provide notice to you by posting a notice on the Services or the Website or by sending an e-mail to the address associated with your account. Modified terms will become effective upon posting (or such later date as indicated in the notice), and if you access or use the Services after such modified terms go into effect, you will be deemed to agree to the modified terms. If you do not agree to any of these terms, then you are not permitted to use the Services.

If you accept or agree to the Agreement on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that company or other legal entity to the Agreement and, in such event, “you” and “your” will refer and apply to that company or other legal entity.

THE SECTIONS BELOW TITLED “BINDING ARBITRATION” AND “CLASS ACTION WAIVER” CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER. THEY AFFECT YOUR LEGAL RIGHTS. PLEASE READ THEM.

Capitalized terms not defined in these Terms of Service shall have the meaning set forth in our Privacy Policy.

1. Beta Services; Important Financial Information Disclaimer

Fintentional is making the Services available on a beta basis for testing and evaluation purposes. Fintentional does not charge you a fee or receive any other compensation to use the Services during the beta period. Accordingly, Fintentional is not an investment adviser during the testing and evaluation and is not registered as such. Fintentional is also not a broker-dealer or registered as such. Fintentional does not execute securities transactions, manage accounts, or take custody of or exercise discretion over your assets. Your use of the Services does not create an advisory, fiduciary, or other special relationship between you and Fintentional, particularly during the testing and evaluation beta phase. Fintentional does not owe you any fiduciary duty, duty of care, or duty of loyalty under any securities laws of the U.S., and is not acting in the capacity of a fiduciary with respect to you or your assets during the testing and evaluation beta phase.

The Services use artificial intelligence, including third-party models, to generate financial plans, information, projections, scenarios, and other responses (collectively, “Outputs”). Outputs may address your stated financial circumstances and may discuss investments or investment strategies. They are generated automatically, subject to review by a human after auto generation only as part of Fintentional’s testing and evaluation. Do not treat an Output as a verified or complete financial plan or as the sole basis for an investment or other financial decision. Outputs may contain errors, omit important facts, rely on incorrect or outdated information, or reflect assumptions that do not fit your circumstances. Projections and hypothetical results are illustrations, not predictions. Actual results may differ materially, and investing involves risk, including loss of principal. Fintentional does not guarantee the accuracy of an Output or any particular financial or investment result, particularly in its testing and evaluation beta phase. Your use of the Services and any reliance on Outputs is entirely at your own risk, and you are solely responsible for all decisions you make and actions you take, and their consequences.

The Services do not provide tax, accounting, or legal services. Before acting on an Output, check the underlying information and assumptions and consult an appropriately qualified professional about decisions involving your particular circumstances. You remain responsible for deciding whether and how to act.

Your use of the beta Services does not, by itself, establish an engagement for ongoing account management or human financial advisory services. Nothing in these terms limits any right, remedy, or duty that cannot lawfully be waived.

2. Right to Access and Use the Services

Subject to the terms and conditions of this Agreement, Fintentional hereby grants you during the term of this Agreement a limited, revocable, non-exclusive, non-transferable, non-sublicensable right to access and use the Services solely for your personal, non-commercial purposes.

You will not (and will not authorize, permit, or encourage any third party to): (i) reverse engineer, decompile, disassemble, or otherwise attempt to discern the source code or interface protocols of the Website or the Services; (ii) modify, adapt, or translate the Website, the Services, or any portion or component thereof; (iii) make any copies of the Website, the Services, or any portion or component thereof; (iv) resell, distribute, or sublicense the Website, the Services, or any portion or component thereof; (v) remove or modify any proprietary markings or restrictive legends placed on the Website, or the Services; (vi) use the Website, the Services, or any portion or component thereof in violation of any applicable law, in order to build a competitive product or service, or for any purpose not specifically permitted in this Agreement; (vii) introduce, post, or upload to the Website, or the Services any virus, worm, “black door,” Trojan Horse, or similar harmful code; (viii) save, store, or archive any portion of the services (including, without limitation, any data contained therein) outside the Services other than those outputs generated through the intended functionality of the Services without the prior, written permission of Fintentional in each instance; (ix) use the Website, or the Services in connection with service bureau, timeshare, service provider or like activity whereby you operate the Website, or the Services for the benefit of a third party; or (x) circumvent any processes, procedures, or technologies that we have put in place to safeguard the Services.

If you violate this section, Fintentional reserves the right in its sole discretion to immediately deny you access to the Services, or any portion of thereof, without notice. Fintentional reserves the right to change the availability of any feature, function, or content relating to the Services, at any time, without notice or liability to you.

3. Ownership

The Website and the Services contains material, such as software, text, graphics, images, sound recordings, audiovisual works, and other material provided by or on behalf of Fintentional collectively referred to as the “Content”). The Content may be owned by us or by third parties. The Content is protected under both United States and foreign laws. Unauthorized use of the Content may violate copyright, trademark, and other laws. You have no rights in or to the Content, and you will not use the Content except as permitted under this Agreement. No other use is permitted without prior written consent from us. You must retain all copyright and other proprietary notices contained in the original Content on any copy you make of the Content. You may not sell, transfer, assign, license, sublicense, or modify the Content or reproduce, display, publicly perform, make a derivative version of, distribute, or otherwise use the Content in any way for any public or commercial purpose. The use or posting of the Content on any other website or in a networked computer environment for any purpose is expressly prohibited.

If you violate any part of this Agreement, your permission to access and/or use the Content, the Website and the Services automatically terminates and you must immediately destroy any copies you have made of the Content.

The trademarks, service marks, and logos of Fintentional (the “Fintentional Trademarks”) used and displayed on the Website and the Services are registered and unregistered trademarks or service marks of Fintentional. Other company, product, and service names located on the Website and the Services may be trademarks or service marks owned by others (the “Third-Party Trademarks,” and, collectively with Fintentional Trademarks, the “Trademarks”). Nothing on the Website and the Services should be construed as granting, by implication, estoppel, or otherwise, any license or right to use the Trademarks, without our prior written permission specific for each such use. Use of the Trademarks as part of a link to or from any website is prohibited unless establishment of such a link is approved in advance by us in writing. All goodwill generated from the use of Fintentional Trademarks inures to our benefit.

Elements of the Website and the Services are protected by trade dress, trademark, unfair competition, and other state and federal laws and may not be copied or imitated in whole or in part, by any means, including, but not limited to, the use of framing or mirrors. None of the Content may be retransmitted without our express, written consent for each and every instance.

4. Use of Personal Information

Your use of the Services may involve the transmission of certain personal information. Our policies with respect to the collection and use of such personal information are described in our Privacy Policy (located at usehence.com/privacy), which is incorporated by reference into this Agreement in its entirety.

5. Your Data; Usage Data and Aggregate Data

For purposes of this Agreement, “Your Data” means any data and information that you submit to the Services and/or provide to us pursuant to this Agreement, including but not limited to, your account and profile information, financial information, Linked Account Data (as defined below), and Inputs (as defined below); and “Usage Data” means technical and analytical data that Fintentional and its service providers collect automatically concerning the performance and use of the Services.

As between you and Fintentional, you own all right, title, and interest in and to Your Data. You hereby grant Fintentional a non-exclusive, worldwide, fully paid-up, royalty-free right and license, with the right to grant sublicenses, to access, use, process, store and disclose Your Data to provide, maintain, secure, and improve the Services (including generating Outputs), to comply with applicable law, and as otherwise described in our Privacy Policy.

Notwithstanding anything to the contrary herein, we may use, and may permit our third-party service providers to access and use, Your Data, as well as any Usage Data that we may collect, in a de-identified and aggregated form that does not identify you (“Aggregate Data”) for the purposes of operating, maintaining, managing, and improving our products and services including the Services, including training, developing, and improving the artificial intelligence models and features used in the Services. You hereby agree that we may collect, use, publish, disclose, and otherwise exploit such Aggregate Data, including with our affiliates and business partners.

6. Fees

The Services are currently provided without charge. We reserve the right to impose fees for any portion of the Services upon prior notice. Any applicable fees and payment terms will be communicated before becoming effective.

7. Artificial Intelligence Features; Inputs and Outputs

Inputs and Outputs. The Services includes features powered by artificial intelligence, including our chat feature. “Inputs” means the prompts, questions, messages, and other content you submit to such features, and “Outputs” has the meaning given in the section titled “Beta Services; Important Financial Information Disclaimer” and includes responses generated in response to your Inputs. You are responsible for your Inputs and represent that you have all rights necessary to submit them. As between you and Fintentional, and subject to your compliance with this Agreement, you may use Outputs for your personal, non-commercial purposes. Due to the nature of artificial intelligence, Outputs may not be unique, and other users may receive similar Outputs. Fintentional retains all rights in the Services, including the models, prompts, and other technology used to generate Outputs.

Third-Party AI Providers. To generate Outputs, we disclose Inputs and Your Data, including financial information, to third-party artificial intelligence and large language model providers that process such information on our behalf, as described in the Privacy Policy. We may also use third-party tools to monitor the quality, safety, and performance of AI features. We may change our AI providers or monitoring tools from time to time.

Sensitive Information. Do not submit through any AI features any information that is not needed for your use of the Services, such as Social Security numbers, full account numbers, passwords or other login credentials, or personal information about other individuals without their authorization.

AI Use Restrictions. You will not: (i) use the AI features to generate content that is unlawful, harmful, deceptive, or infringing; (ii) attempt to bypass, disable, or manipulate any safety measures, including through “jailbreaking” or prompt injection; (iii) attempt to extract or reverse engineer any model, system prompt, or training data; (iv) use Outputs to develop or train any artificial intelligence model or competing product; or (v) represent that Outputs were generated by a human or constitute professional advice. We may monitor, review, and retain Inputs and Outputs to operate and secure the Services, enforce this Agreement, and comply with law, and we may restrict or suspend access to AI features at any time.

Third-Party Provider References. Where Outputs identify third-party financial products, services, or providers, such references are generated from publicly available sources, including internet search, and are provided for informational purposes only. Fintentional does not endorse, recommend, or vouch for any provider so identified, and your dealings with any such provider are solely between you and that provider.

8. Guidelines

By accessing the Website and/or using accessing and/or using the Services, you hereby agree to comply with the following guidelines:

We reserve the right, in our sole and absolute discretion, to deny you (or any device) access to the Website and the Services, or any portion thereof, without notice.

9. Sign-In Name; Password; Unique Identifiers

In order to access and use the Services, you will have to create an account. When you create an account, you will be asked to create a sign-in name (“Sign-In Name”), a password (“Password”), and perhaps certain additional information that will assist in authenticating your identity when you log-in in the future (“Unique Identifiers”). When creating your account, you must provide true, accurate, current, and complete information, and you must keep such information updated. Your Sign-In Name and corresponding Password can only be used by you and cannot be shared with any third party. You are solely responsible for the confidentiality and use of your Sign-In Name, Password, and Unique Identifiers, as well as for any misuse, or communications entered through the Services using one or more of them. You will promptly inform us of any need to deactivate a Password or Sign-In Name, or change any Unique Identifier, and of any actual or suspected unauthorized use of your account. We reserve the right to delete or change your Password, Sign-In Name, or Unique Identifier at any time and for any reason and shall have no liability to you for any loss or damage caused by such action.

10. Restrictions

The Services is available only for individuals aged 18 years or older. If you are 18 or older, but under the age of majority in your jurisdiction, you should review this Agreement with your parent or guardian to make sure that you and your parent or guardian understand it.

11. Feedback

We welcome and encourage you to provide feedback, comments, and suggestions for improvements to the Website, the Services and our services (“Feedback”). Although we encourage you to e-mail us at privacy@usehence.com, we do not want you to, and you should not, e-mail us any content that contains confidential information. With respect to any Feedback you provide, we shall be free to use and disclose any ideas, concepts, know-how, techniques, or other materials contained in your Feedback for any purpose whatsoever, including, but not limited to, the development, production and marketing of products and services that incorporate such information, without compensation or attribution to you.

12. No Warranties; Limitation of Liability

THE WEBSITE, THE SERVICES, THE CONTENT, AND THE OUTPUTS ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND NEITHER FINTENTIONAL NOR FINTENTIONAL’S SUPPLIERS MAKE ANY WARRANTIES WITH RESPECT TO THE SAME OR OTHERWISE IN CONNECTION WITH THIS AGREEMENT, AND FINTENTIONAL HEREBY DISCLAIMS ANY AND ALL EXPRESS, IMPLIED, OR STATUTORY WARRANTIES, INCLUDING, WITHOUT LIMITATION, ANY WARRANTIES OF NON-INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, AVAILABILITY, ERROR-FREE OR UNINTERRUPTED OPERATION, AND ANY WARRANTIES ARISING FROM A COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, FINTENTIONAL DOES NOT WARRANT THAT ANY OUTPUT WILL BE ACCURATE OR WILL ACHIEVE ANY FINANCIAL RESULT, OR THAT ANY THIRD-PARTY DATA DISPLAYED ON THE SERVICES IS ACCURATE OR CURRENT. TO THE EXTENT THAT FINTENTIONAL AND FINTENTIONAL’S SUPPLIERS MAY NOT AS A MATTER OF APPLICABLE LAW DISCLAIM ANY IMPLIED WARRANTY, THE SCOPE AND DURATION OF SUCH WARRANTY WILL BE THE MINIMUM PERMITTED UNDER SUCH LAW.

IN CONNECTION WITH ANY WARRANTY, CONTRACT, OR COMMON LAW TORT CLAIMS: (I) IN NO EVENT SHALL FINTENTIONAL OR ITS AFFILIATES, SUPPLIERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, LOST PROFITS, TRADING OR INVESTMENT LOSSES, LOSS OF OPPORTUNITY, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION ARISING OUT OF OR RELATING TO THE USE OR INABILITY TO ACCESS AND USE THE WEBSITE, THE SERVICES, ANY OUTPUTS, OR ANY RELATED SERVICES, OR ANY DECISION MADE OR ACTION TAKEN IN RELIANCE THEREON, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES; AND (II) OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT, THE WEBSITE, THE SERVICES, OR ANY RELATED SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS ARE AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN YOU AND FINTENTIONAL. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. External Sites

The Website and the Services may contain links to third-party websites (“External Sites”). These links are provided solely as a convenience to you and not as an endorsement by us of the content on such External Sites. The content of such External Sites is developed and provided by others. You should contact the website administrator or webmaster for those External Sites if you have any concerns regarding such links or any content located on such External Sites. We are not responsible for the content of any linked External Sites and do not make any representations regarding the content or accuracy of materials on such External Sites. You should take precautions when downloading files from all websites to protect your computer from viruses and other destructive programs. If you decide to access linked External Sites, you do so at your own risk.

The Services may allow you to connect financial accounts held with third parties (such as banks or brokerages) through third-party data aggregation providers. By connecting an account, you authorize Fintentional and such providers to access and retrieve information from your account on your behalf, including account identifiers, balances, transactions, and holdings (“Linked Account Data”), and you agree to any terms of such providers presented to you. You may disconnect a linked account at any time through the Services, which will stop our collection of new Linked Account Data from that account. Fintentional does not control and is not responsible for the accuracy, timeliness, or availability of data provided by third parties or for the acts or omissions of such providers.

14. Representations and Warranties

You represent and warrant that: (i) you are at least 18 years of age and have the legal capacity to enter into this Agreement; (ii) if you are using the Services on behalf of an entity, such entity is duly organized, validly existing, and in good standing under its jurisdiction of organization, and the execution, delivery, and performance of this Agreement have been duly authorized by all necessary action; (iii) this Agreement constitutes your valid and binding agreement; (iv) all information you provide to us is true, accurate, and complete; and (v) you have the right to provide Your Data and grant the rights and licenses granted hereunder.

15. Indemnification

You will indemnify, defend, and hold Fintentional, its affiliates, and our and their respective shareholders, members, officers, directors, employees, agents, and representatives (collectively, “Fintentional Indemnitees”) harmless from and against any and all damages, liabilities, losses, costs, and expenses, including reasonable attorney’s fees (collectively, “Losses”) incurred by any Fintentional Indemnitee in connection with a third-party claim, action, or proceeding (each, a “Claim”) arising from (i) your breach of this Agreement; (ii) any misuse of the Website, the Services, and/or the Content; (iii) your negligence, gross negligence, willful misconduct, fraud, misrepresentation or violation of law; (iv) your violation of any third-party right, including without limitation any copyright, trademark, property, or privacy right; or (v) any investment or financial decision made by you or on your behalf in reliance on the Services or any Output. We will notify you of any Claim for which we seek indemnification. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such Claim. You will not settle any Claim without our prior written consent.

16. Compliance with Applicable Laws

The Website and the Services are based in the United States. We make no claims concerning whether the Website and the Services may be viewed or be appropriate for use outside of the United States. If you access the Website and the Services from outside of the United States, you do so at your own risk. Whether inside or outside of the United States, you are solely responsible for ensuring compliance with the laws of your specific jurisdiction.

17. Termination of the Agreement

You may terminate this Agreement at any time by deleting your account through the Services and ceasing all use of the Services. Account deletion requests are subject to a seven (7) day cancellation window, after which deletion will proceed; following deletion, we will handle your personal information as described in the Privacy Policy, subject to any retention required or permitted by law. We reserve the right, in our sole discretion, to restrict, suspend, or terminate the Agreement and/or your access to all or any part of the Website and the Services, at any time and for any reason without prior notice or liability. We reserve the right to change, suspend, or discontinue all or any part of the Website and the Services at any time without prior notice or liability.

18. Binding Arbitration

Before initiating any arbitration or other proceeding, the party asserting a Dispute (as defined below) must first send the other party a written notice describing the Dispute and the relief sought, and the parties shall attempt in good faith to resolve the Dispute informally for at least thirty (30) days after such notice is received. Notices to Fintentional shall be sent to legal@fintentional.ai.

In the event of a dispute arising under or relating to this Agreement, the Website, or the Services (each, a “Dispute”), such dispute will be finally and exclusively resolved by binding arbitration governed by the Federal Arbitration Act (“FAA”). NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL, EXCEPT EITHER PARTY MAY BRING ITS CLAIM IN ITS LOCAL SMALL CLAIMS COURT, IF PERMITTED BY THAT SMALL CLAIMS COURT RULES AND IF WITHIN SUCH COURT’S JURISDICTION. ARBITRATION IS DIFFERENT FROM COURT, AND DISCOVERY AND APPEAL RIGHTS MAY ALSO BE LIMITED IN ARBITRATION. All disputes will be resolved before a neutral arbitrator selected jointly by the parties, whose decision will be final, except for a limited right of appeal under the FAA. The arbitration shall be commenced and conducted by JAMS pursuant to its then current Comprehensive Arbitration Rules and Procedures and in accordance with the Expedited Procedures in those rules, or, where appropriate, pursuant to JAMS’ Streamlined Arbitration Rules and Procedures. All applicable JAMS’ rules and procedures are available at the JAMS website www.jamsadr.com. Each party will be responsible for paying any JAMS filing, administrative, and arbitrator fees in accordance with JAMS rules. Judgment on the arbitrator’s award may be entered in any court having jurisdiction. This clause shall not preclude parties from seeking provisional remedies in aid of arbitration from a court of appropriate jurisdiction. The arbitration may be conducted in person, through the submission of documents, by phone, or online. If conducted in person, the arbitration shall take place in the United States county where you reside. The parties may litigate in court to compel arbitration, to stay a proceeding pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator. The parties shall cooperate in good faith in the voluntary and informal exchange of all non-privileged documents and other information (including electronically stored information) relevant to the Dispute immediately after commencement of the arbitration. As set forth in the section titled “Equitable Relief”, nothing in this Agreement will prevent us from seeking injunctive relief in any court of competent jurisdiction as necessary to protect our proprietary interests.

19. Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the Dispute between us and you individually. To the full extent permitted by law, (i) no arbitration or proceeding shall be joined with any other; (ii) there is no right or authority for any Dispute to be arbitrated or resolved on a class action-basis or to utilize class action procedures; and (iii) there is no right or authority for any Dispute to be brought in a purported representative capacity on behalf of the general public or any other persons. YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST US ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

20. Equitable Relief

You acknowledge and agree that in the event of a breach or threatened violation of our intellectual property rights and confidential and proprietary information by you, we will suffer irreparable harm and will therefore be entitled to injunctive relief to enforce this Agreement. We may, without waiving any other remedies under this Agreement, seek from any court having jurisdiction any interim, equitable, provisional, or injunctive relief that is necessary to protect our rights and property pending the outcome of the arbitration referenced above. You hereby irrevocably and unconditionally consent to the personal and subject matter jurisdiction of the federal and state courts in the State of Delaware for purposes of any such action by us.

21. Controlling Law; Exclusive Forum

The Agreement and any action related thereto will be governed by the Federal Arbitration Act and the laws of the State of Delaware without regard to its conflict of laws provisions. Subject to the sections titled “Binding Arbitration” and “Class Action Waiver,” the parties hereby consent and agree to the exclusive jurisdiction of the state and federal courts located in the State of Delaware for all suits, actions, or proceedings directly or indirectly arising out of or relating to this Agreement that are not subject to arbitration, and waive any and all objections to such courts, including but not limited to, objections based on improper venue or inconvenient forum, and each party hereby irrevocably submits to the exclusive jurisdiction of such courts in any such suits, actions, or proceedings.

22. Miscellaneous

If the Agreement is terminated in accordance with the termination provision in the section titled “Termination of the Agreement”, such termination shall not affect the validity of the following provisions of this Agreement, which shall remain in full force and effect: “Ownership,” “Your Data; Usage Data and Aggregate Data,” “Fees” (as to amounts accrued), “Feedback,” “No Warranties; Limitation of Liability,” “Indemnification,” “Compliance with Applicable Laws,” “Termination of the Agreement,” “Binding Arbitration,” “Class Action Waiver,” “Equitable Relief,” “Controlling Law; Exclusive Forum,” and “Miscellaneous.”

Our failure to act on or enforce any provision of the Agreement shall not be construed as a waiver of that provision or any other provision in this Agreement. No waiver shall be effective against us unless made in writing, and no such waiver shall be construed as a waiver in any other or subsequent instance. You may not assign or transfer this Agreement without our prior written consent. We may assign this Agreement without restriction. We shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control. You consent to receive communications from us electronically, and agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. Except as expressly agreed by us and you in writing, the Agreement constitutes the entire agreement between you and us with respect to the subject matter, and supersedes all previous or contemporaneous agreements, whether written or oral, between the parties with respect to the subject matter. The section headings are provided merely for convenience and shall not be given any legal import. This Agreement will inure to the benefit of our successors, assigns, licensees, and sublicensees.

Copyright 2026 Fintentional, Inc. dba Hence All rights reserved.