Terms of Service
Effective Date: July 21, 2026
1. Introduction
These Terms of Service ("Terms") govern your access to and use of the websites, applications, software, artificial intelligence features, APIs, and related products and services (collectively, the "Platform") provided by Waldo.ai, Inc. ("Waldo," "we," "our," or "us").
Waldo provides treasury management technology and related services to businesses. Certain services available through the Platform may include discretionary investment advisory services provided by Waldo in its capacity as an SEC-registered investment adviser. Those advisory services are governed by separate agreements, including the applicable Investment Management Agreement and Form ADV.
By accessing or using the Platform, creating an account, or otherwise using any services provided by Waldo, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Platform.
These Terms should be read together with our Privacy Notice, Investment Management Agreement (where applicable), Form ADV, and any other agreements governing specific products or services. If there is a conflict between these Terms and a separate agreement governing a particular service, the separate agreement will control with respect to that service.
2. Eligibility
The Platform is intended for use by businesses and other legal entities, together with their authorized representatives. By accessing or using the Platform, you represent and warrant that:
- you are at least 18 years of age;
- you have the legal authority to enter into these Terms on behalf of yourself or the business or organization you represent;
- all information you provide to Waldo is accurate, complete, and kept current;
- your access to and use of the Platform complies with all applicable laws, regulations, and contractual obligations; and
- you are not prohibited from using the Platform under applicable law.
If you access or use the Platform on behalf of a business or other legal entity, you represent and warrant that you have the authority to bind that entity to these Terms. Waldo may refuse, suspend, or terminate access to the Platform if we reasonably believe that you do not satisfy these eligibility requirements.
3. The Platform
The Platform provides businesses with technology designed to help manage treasury operations, monitor cash positions, analyze financial information, automate workflows, and access other financial management tools and services offered by Waldo.
We continually improve and update the Platform. Accordingly, we may add, modify, suspend, or discontinue features, functionality, products, or services at any time, with or without notice, provided that doing so does not affect our obligations under any separate agreement governing a particular service. The Platform is intended to support, but does not replace, your independent business judgment or professional advisors.
4. Accounts
You agree to provide accurate, complete, and current information during registration and to promptly update your information if it changes. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account, whether or not authorized by you, unless resulting from Waldo's failure to maintain appropriate security measures.
If you become aware of any unauthorized access to your account or suspected security incident, you agree to notify Waldo promptly. Waldo reserves the right to refuse registration, limit access to the Platform, suspend accounts, or terminate accounts in accordance with these Terms and applicable law.
5. Investment Advisory Services
Certain services available through the Platform constitute discretionary investment advisory services provided by Waldo in its capacity as an SEC-registered investment adviser. Investment advisory services are governed by separate agreements, including the applicable Investment Management Agreement, Form ADV, and other investment-related disclosures provided to you.
If there is a conflict between these Terms and your Investment Management Agreement or another agreement specifically governing those services, the applicable investment agreement will control. Nothing in these Terms should be interpreted as expanding or limiting Waldo's fiduciary obligations under applicable law or any separate advisory agreement.
6. Artificial Intelligence Features
The Platform may include artificial intelligence ("AI") features designed to assist users with analyzing information, summarizing documents, answering questions, generating insights, automating workflows, drafting content, or performing other tasks related to the services provided by Waldo.
AI-generated content is provided for informational and operational purposes only and may contain inaccuracies, omissions, outdated information, or other errors. You are responsible for reviewing and independently evaluating all AI-generated content before relying on it. Except where expressly provided as part of Waldo's investment advisory services under a separate agreement, AI-generated content does not constitute legal, tax, accounting, investment, or other professional advice.
7. Customer Content
You retain ownership of all documents, data, files, information, communications, prompts, submissions, and other content that you or your authorized users upload, submit, or otherwise make available through the Platform ("Customer Content").
By providing Customer Content, you grant Waldo a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, modify (solely for technical purposes), display, and otherwise use Customer Content as necessary to provide, maintain, secure, support, improve, and operate the Platform and the services you request.
You represent and warrant that you have all rights necessary to provide Customer Content and to grant the rights described in these Terms. You agree not to upload Customer Content that infringes third-party rights, violates applicable law, contains malicious code, or otherwise interferes with the operation or security of the Platform.
8. Acceptable Use
You agree to use the Platform only for lawful purposes and in accordance with these Terms. You will not, and will not permit any third party to:
- violate any applicable law, regulation, court order, or contractual obligation;
- access or use the Platform in any manner that could damage, disable, impair, or interfere with the operation, security, or availability of the Platform;
- attempt to gain unauthorized access to the Platform, other user accounts, networks, systems, or data;
- reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or non-public functionality of the Platform;
- use automated means, including bots, crawlers, or scraping technologies, to access or collect information from the Platform except as expressly authorized by Waldo;
- upload or transmit malware, viruses, malicious code, or other harmful software;
- use the Platform to engage in fraudulent, deceptive, misleading, abusive, or unlawful conduct;
- use the Platform to develop, train, benchmark, or improve competing products or services without Waldo's prior written consent;
- use the Platform in connection with money laundering, terrorist financing, sanctions evasion, fraud, or other financial crimes; or
- use the Platform in any manner inconsistent with these Terms or any applicable documentation provided by Waldo.
9. Third-Party Services
The Platform may integrate with or provide access to third-party products, services, financial institutions, broker-dealers, custodians, payment providers, identity verification providers, and other service providers ("Third-Party Services"). Your use of Third-Party Services may be subject to separate terms and privacy notices established by the applicable third party. Waldo is not responsible for the products, services, content, availability, security, or practices of Third-Party Services except to the extent required by applicable law.
10. Fees
Certain products and services available through the Platform may require the payment of fees. You agree to pay all applicable fees, charges, and taxes associated with your use of the Platform. If you receive investment advisory services from Waldo, the applicable advisory fees, billing practices, and payment terms will be set forth in your Investment Management Agreement and Form ADV, which will control in the event of any conflict with this section.
Except as required by applicable law or expressly provided in a separate written agreement, fees paid to Waldo are non-refundable.
11. Intellectual Property
The Platform, including its software, technology, user interfaces, designs, text, graphics, trademarks, service marks, logos, documentation, and AI features (excluding Customer Content), are owned by or licensed to Waldo and are protected by applicable intellectual property laws. Waldo grants you a limited, non-exclusive, non-transferable, revocable right to access and use the Platform solely for your internal business purposes and only as permitted by these Terms.
If you provide Waldo with suggestions, comments, ideas, or other feedback regarding the Platform ("Feedback"), you grant Waldo a worldwide, perpetual, irrevocable, royalty-free license to use, modify, and otherwise exploit that Feedback without restriction or obligation to you.
12. Communications
You consent to receive communications from Waldo electronically, including by email, through the Platform, or by other electronic means permitted by applicable law. You are responsible for maintaining accurate and current contact information. You may opt out of receiving promotional communications by following the instructions included in those communications, but may not opt out of receiving communications necessary to administer your account, provide the Platform, or comply with legal or regulatory obligations.
13. Privacy
Your privacy is important to us. Our collection, use, disclosure, retention, and protection of personal information are governed by our Privacy Notice, which is incorporated into these Terms by reference.
14. Suspension & Termination
You may stop using the Platform at any time. Waldo may suspend, restrict, or terminate your access to all or part of the Platform if we reasonably determine that you have violated these Terms or any other applicable agreement, your use of the Platform presents a security, legal, or regulatory risk, we are required to do so by applicable law, or we discontinue the applicable product or service.
Termination will not affect any rights or obligations that accrued prior to termination. Sections relating to intellectual property, Customer Content, disclaimers, limitation of liability, indemnification, governing law, and dispute resolution will survive termination.
15. Disclaimers
EXCEPT AS EXPRESSLY PROVIDED IN A SEPARATE WRITTEN AGREEMENT, THE PLATFORM IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WALDO DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.
Nothing in these Terms is intended to disclaim or limit any fiduciary obligations, regulatory obligations, or other duties that apply to Waldo in connection with investment advisory services under applicable law or any separate advisory agreement.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WALDO AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WALDO'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE PLATFORM WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO WALDO DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100).
These limitations do not apply to liability that cannot be excluded under applicable law, including liability arising from Waldo's fraud, willful misconduct, or gross negligence, or any obligations under applicable securities laws or the Investment Advisers Act of 1940.
17. Indemnification
You agree to defend, indemnify, and hold harmless Waldo, its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any third-party claims, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Platform, your violation of these Terms or any applicable law, your Customer Content, or your fraud, negligence, or willful misconduct.
18. Governing Law & Dispute Resolution
These Terms and any dispute arising out of or relating to these Terms or the Platform will be governed by the laws of the State of Delaware, without regard to its conflict of laws principles. The state and federal courts located in Delaware will have exclusive jurisdiction over any legal action or proceeding arising out of or relating to these Terms.
Before initiating legal proceedings, the parties agree to make a good-faith effort to resolve any dispute through informal discussions for a period of at least thirty (30) days after written notice of the dispute is provided.
19. Changes to These Terms
Waldo may update these Terms from time to time. If we make material changes, we will provide notice by posting the updated Terms on the Platform, notifying you through the Platform, or sending an email to the address associated with your account. By continuing to access or use the Platform after the updated Terms become effective, you agree to be bound by the revised Terms.
20. Miscellaneous
These Terms, together with our Privacy Notice, any applicable Investment Management Agreement, Form ADV, and any other agreements or disclosures governing specific products or services, constitute the entire agreement between you and Waldo with respect to your access to and use of the Platform. If any provision of these Terms is determined to be invalid or unenforceable, the remaining provisions will remain in full force and effect.
You may not assign or transfer these Terms without Waldo's prior written consent. Waldo may assign these Terms in connection with a merger, acquisition, or sale of assets. Waldo will not be liable for any delay or failure to perform resulting from causes beyond its reasonable control.
21. Contact Us
If you have any questions about these Terms or the Platform, please contact us:
Waldo.ai, Inc.
Email: legal@waldo.ai
470 James St, Ste. 007
New Haven, CT 06513
