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Terms and Conditions — AI Software, Applications, Content & Consulting

Effective date: August 8, 2026 · FinanceTech Group LLC · financetechgroupllc.com

Agreement

These Terms and Conditions (“Terms”) govern the use of the services offered by FinanceTech Group LLC, a Wyoming limited liability company, including AI-powered software for businesses, AI-optimized applications, AI content and digital avatar creation, and business and financial consulting (collectively, the “AI Services”) through www.financetechgroupllc.com (the “Site”). By accessing the Site, requesting a quote, or engaging the AI Services, you (“Client”) agree to be bound by these Terms.

1. Description of the AI Services

FinanceTech Group LLC develops AI-powered software for businesses and AI-optimized applications, and provides business and financial consulting. The AI Services include: (a) design, development, and implementation of custom AI-powered software, tools, and workflow automations; (b) development of AI-optimized web and mobile applications; (c) creation of AI-generated digital avatars, images, videos, voice-overs, and synthetic media for marketing, advertising, UGC-style campaigns, podcasts, and related digital content; and (d) business and financial consulting services (the software, applications, content, reports, and other work product delivered to Client, collectively, the “Deliverables”). The Company may use proprietary tools, third-party AI platforms, and machine learning models to produce the Deliverables.

2. Eligibility and Client Accounts

The AI Services are intended for businesses, entrepreneurs, and other professional clients. By engaging the AI Services, you represent that you are at least 18 years old and have legal authority to enter into these Terms on your own behalf or on behalf of the entity you represent.

3. Client-Provided Materials

Client may upload photographs, video, voice recordings, likeness data, logos, brand guidelines, scripts, or other materials (“Client Materials”). Client represents it owns or has obtained all rights, licenses, consents, and releases necessary to submit Client Materials, including written consent of any individual whose likeness, image, or voice appears. Client will not submit materials depicting minors without documented parental or guardian consent, nor materials that are unlawful, infringing, defamatory, obscene, or that depict a real person without consent. The Company may refuse Client Materials it believes may violate these Terms or applicable law.

4. AI-Generated Content and Avatars

Client acknowledges that AI-generated content may contain unexpected, inaccurate, or imperfect results (“AI Limitations”). The Company does not guarantee Deliverables free of such imperfections; Client must review all Deliverables before publication or commercial use. Client is solely responsible for complying with laws, platform policies, and guidelines requiring disclosure that content is AI-generated or synthetic (including applicable deepfake/synthetic media statutes and FTC advertising rules). The AI Services may not be used to create an avatar, voice, or likeness of any real identifiable person other than the Client (or a person for whom Client has documented consent) for misleading, defamatory, or unauthorized impersonation purposes.

5. Intellectual Property Rights

Client retains ownership of Client Materials and grants the Company a limited, non-exclusive, worldwide, royalty-free license to use and process them solely to create, deliver, and, where agreed, promote the Deliverables. Upon full payment of applicable fees, the Company assigns to Client all right, title, and interest in final Deliverables created specifically for Client, except (a) underlying tools, templates, software, avatar frameworks, or proprietary processes (“Company Tools”), which remain Company property, and (b) third-party AI platform or stock elements subject to their licenses. Unless Client opts out in writing, the Company may display non-confidential Deliverables in its portfolio and marketing materials.

6. Third-Party AI Platforms

The Company may rely on third-party artificial intelligence platforms and cloud providers. Such parties operate under their own terms and privacy practices; the Company is not responsible for their acts, omissions, outages, or tool changes.

7. Fees and Payment

Fees are set out in the applicable quote, proposal, or invoice. Unless otherwise agreed in writing, a deposit of 50% is due before work begins, with the balance due upon delivery. Late payments may result in suspension of ongoing work. All fees are non-refundable once work has commenced, except as required by law or otherwise agreed in writing. Software development packages are typically scoped from USD $35,000 to $500,000.

8. Revisions and Delivery

Revision rounds, delivery format, and turnaround time are specified in the applicable service agreement or proposal. Additional revisions beyond the agreed scope may incur additional fees.

9. Disclaimer of Warranties

THE AI SERVICES AND DELIVERABLES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR THAT DELIVERABLES WILL ACHIEVE ANY PARTICULAR MARKETING, SALES, OR ENGAGEMENT RESULT. THE COMPANY DOES NOT WARRANT THAT AI-GENERATED CONTENT WILL BE ERROR-FREE OR UNINTERRUPTED.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY’S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE AI SERVICES SHALL NOT EXCEED THE TOTAL FEES PAID BY CLIENT TO THE COMPANY IN THE THREE (3) MONTHS PRECEDING THE CLAIM. IN NO EVENT SHALL THE COMPANY BE LIABLE FOR INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOSS OF GOODWILL.

11. Indemnification

Client agrees to indemnify, defend, and hold harmless the Company and its officers, employees, and contractors from claims, damages, liabilities, and expenses (including reasonable attorneys’ fees) arising from: (a) Client Materials; (b) Client’s use of Deliverables in violation of these Terms or law; or (c) Client’s failure to obtain necessary consents or disclosures related to a person’s likeness, image, or voice.

12. Confidentiality

Each party agrees to keep confidential any non-public business, technical, or strategic information disclosed by the other party in connection with the AI Services, and to use such information solely for performing under these Terms.

13. Term and Termination

These Terms remain in effect for as long as Client uses the AI Services. Either party may terminate an ongoing engagement upon written notice as set out in the applicable service agreement. Sections relating to intellectual property, incurred payment obligations, disclaimers, limitation of liability, and indemnification survive termination.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-laws principles. Any dispute shall be resolved in the state or federal courts located in Sheridan County, Wyoming, and the parties consent to the exclusive jurisdiction of such courts, unless the parties agree in writing to binding arbitration.

15. Changes to These Terms

The Company may update these Terms from time to time. The revised Terms will be posted on the Site with an updated Effective Date. Continued use of the AI Services after changes are posted constitutes acceptance of the revised Terms.

16. Contact Information

Questions about these Terms may be directed to: FinanceTech Group LLC · 30 N Gould St 59020, Sheridan, WY 82801 · contact@financetechgroupllc.com · Phone: +1 (307) 888-8475 · EIN: 32-0866683.