Terms and Conditions

Last updated: June 20, 2026

These Terms and Conditions ("Terms") govern access to and use of the website, software, services, interfaces, communications, documentation, trial environments, APIs, support channels, and related materials made available by Elite Services Provider Inc. ("Elite Services Provider Inc.", "Company", "we", "us", or "our").

By accessing, registering for, testing, purchasing, or using any part of the Service, you agree to be bound by these Terms. If you do not agree, do not access or use the Service.

1. Company Identity

Service operator:

Elite Services Provider Inc.
Principal business address: 1001 S. Main St. Ste 600, Kalispell, MT 59901, United States
Support email: [email protected]
Support phone: +1 406 369 9468

2. Business Use Only

The Service is offered for professional, commercial, administrative, and organizational use. You represent and warrant that:

you are acting for a business, organization, or other legitimate operational purpose;
you have authority to bind the relevant organization to these Terms;
all registration and account information you provide is complete, accurate, and kept current.

We may reject, suspend, or terminate any account, trial, purchase, or use that we determine, in our sole discretion, is inappropriate, unlawful, deceptive, abusive, competitive, high-risk, or inconsistent with the intended business purpose of the Service.

3. Eligibility and Restricted Users

You may not use the Service if:

you are under the age required to form a binding agreement under applicable law;
your use would violate export control, sanctions, anti-money laundering, anti-bribery, privacy, lending, consumer protection, or other applicable laws;
you are acting on behalf of a sanctioned person, blocked person, prohibited jurisdiction, competitor using the Service for benchmarking or replication, or a party previously suspended by us.

4. Account Responsibility

You are responsible for:

maintaining the confidentiality of credentials, recovery methods, API keys, and verification factors;
all activity that occurs under your account or organization environment;
ensuring that your users are authorized and comply with these Terms;
promptly notifying us of any suspected unauthorized use, compromise, fraud, or security incident.

We may require identity, authority, ownership, or organizational verification before acting on account, billing, support, security, or access requests.

5. Trial Access, Plans, Billing, and Changes

Free trials, promotional access, discounted plans, add-ons, and commercial offers are conditional, revocable, limited, and subject to change.

Unless otherwise expressly stated in a written agreement signed by us:

we may modify plan composition, packaging, commercial offers, module visibility, capacity metrics, eligibility conditions, and trial structure at any time for future periods;
promotional pricing, trial access, or discounts do not create any vested or perpetual right;
unpaid invoices, abuse, elevated risk, failed verification, or policy concerns may result in suspension, downgrade, restriction, or termination;
fees are non-refundable except to the limited extent required by non-waivable law.

You remain responsible for all taxes, duties, levies, bank fees, processor fees, foreign exchange costs, and government charges associated with your use or purchase of the Service, excluding taxes based on our net income.

6. Customer Data and Limited Rights

As between the parties, you retain rights you lawfully hold in the data, files, records, text, images, borrower information, documents, communications, and other material submitted to the Service by you or on your behalf ("Customer Data").

You grant us a worldwide, non-exclusive, royalty-free right to host, copy, process, transmit, display, adapt, index, back up, analyze, and use Customer Data as necessary to:

provide, secure, maintain, support, and improve the Service;
prevent abuse, fraud, misuse, and security incidents;
perform diagnostics, troubleshooting, migrations, restorations, auditing, and support;
comply with law, regulation, court order, lawful request, or enforcement obligation;
generate aggregated, de-identified, statistical, operational, security, and benchmarking outputs that do not identify you or a natural person.

You are solely responsible for the legality, quality, accuracy, completeness, and integrity of Customer Data and for obtaining all rights, consents, and authorizations required for your submission and our permitted processing of Customer Data.

You are also solely responsible for maintaining your own independent copies, backups, exports, and records of any data that matters to your organization. To the maximum extent permitted by law, we do not guarantee that any Customer Data, tenant data, files, messages, attachments, or historical records will never be lost, corrupted, overwritten, delayed, become inaccessible, or fail to restore.

7. Intellectual Property and Reserved Rights

The Service is licensed, not sold. We and our licensors retain all right, title, and interest in and to:

the Service;
software, code, architecture, workflows, interfaces, UI, visuals, branding, names, logos, designs, layouts, prompts, documentation, templates, and know-how;
all modifications, derivatives, improvements, models, analytics, telemetry, methods, and internal tooling related to the Service.

Except for the limited rights expressly granted in these Terms, no rights are granted by implication, estoppel, exhaustion, or otherwise.

You may not:

copy, reproduce, republish, distribute, sublicense, sell, lease, frame, mirror, scrape, harvest, or commercially exploit the Service;
reverse engineer, decompile, disassemble, decode, derive source code from, or attempt to discover non-public aspects of the Service;
use the Service to build, train, validate, benchmark, power, or improve a competing product or service;
remove, obscure, or alter notices relating to copyright, trademark, confidentiality, or proprietary rights;
use our brand, trade dress, screenshots, or product identity without prior written permission.

8. Acceptable Use

You may not use the Service to:

violate law, contract, court order, regulatory duty, or third-party rights;
process data unlawfully or without required notices, consents, permissions, or legal basis;
harass, defame, stalk, threaten, discriminate against, or exploit any person;
send unlawful spam, misleading communications, or fraudulent payment instructions;
introduce malware, ransomware, spyware, credential harvesters, destructive code, or unauthorized automation;
probe, scan, attack, overload, or interfere with the integrity, confidentiality, performance, or availability of the Service;
bypass account, billing, entitlements, module restrictions, audit mechanisms, or security controls;
use beta functionality, support access, or trial environments in a manner likely to create risk, loss, or operational dependency beyond their intended purpose.

9. Beta, Experimental, and Support Features

Certain modules, automations, AI features, chat features, wallet-related flows, integrations, trial functionality, or support tooling may be identified as beta, preview, pilot, experimental, limited release, or similar.

Those items:

may be incomplete, unstable, or changed or withdrawn without notice;
may not be suitable for production reliance;
are provided with reduced or no commitment regarding continuity, performance, compatibility, or data durability.

10. No Financial, Lending, Legal, or Regulatory Advice

The Service is a software and operational platform. We do not provide legal, tax, accounting, lending, debt collection, compliance, underwriting, consumer reporting, credit, financial advisory, or regulatory advice through the Service unless expressly stated in a separate written agreement signed by us.

You remain solely responsible for:

all lending, servicing, collection, repayment, restructuring, co-lending, borrower treatment, and credit decisions;
all notices, disclosures, filings, licenses, permissions, and compliance obligations applicable to your business;
all outputs, records, communications, workflows, and decisions made using or informed by the Service.

10A. Analytics, Portfolio, Risk, and Planning Outputs

Any dashboards, portfolio metrics, planning cards, risk indicators, projections, default-rate outputs, suggested placements, margin summaries, policy suggestions, charged-off indicators, or similar analytical outputs made available through the Service are informational software outputs only.

To the maximum extent permitted by law:

those outputs do not constitute financial, lending, investment, accounting, tax, legal, compliance, underwriting, risk, recovery, or regulatory advice;
those outputs are not guaranteed to be accurate, complete, current, suitable, validated, or fit for your operational, commercial, or regulatory decisions;
those outputs may depend on user-entered data, historical records, configuration choices, branch scope, automated logic, assumptions, thresholds, incomplete records, timing windows, and other factors that may produce misleading, partial, delayed, inconsistent, or incorrect results;
you are solely responsible for independently reviewing, validating, and deciding whether any such output is relevant, usable, or appropriate for your organization.

You assume all risk arising from any reliance on analytics, portfolio, risk, planning, or policy-related data, views, indicators, or recommendations shown by the Service. We are not responsible for losses, decisions, actions, omissions, regulatory exposure, portfolio treatment, provisioning choices, charged-off treatment, borrower treatment, or internal policy decisions based on such outputs.

11. Availability, Maintenance, and Support

We do not guarantee uninterrupted or error-free operation. We may perform maintenance, updates, migrations, security actions, suspensions, rollbacks, or emergency interventions at any time.

Support is provided subject to business priorities, risk, verification, and operational capacity. We may refuse or limit support if we reasonably believe a request is fraudulent, unsafe, unlawful, technically unsound, abusive, or outside the agreed service scope.

12. Third-Party Services

The Service may interoperate with third-party providers, including hosting, email, SMS, wallet services, payment processors, cloud vendors, identity tools, and external integrations.

We are not responsible for third-party products, policies, outages, delays, failures, pricing, actions, or omissions. Your use of third-party services may be subject to additional terms and privacy policies imposed by those providers.

13. Feedback

If you provide suggestions, ideas, corrections, requests, comments, or other feedback, you grant us a perpetual, irrevocable, worldwide, transferable, sublicensable, royalty-free right to use, modify, commercialize, publish, and incorporate that feedback without restriction or compensation.

13A. Automated Inactive-Account Deletion

We may operate automated retention, suspension, warning, and deletion workflows for inactive or unpaid organizations, accounts, environments, data, files, and related records. Unless a separate written agreement signed by us states otherwise, the Service may automatically warn, restrict, suspend, or permanently delete an organization environment and its associated data when eligibility, billing, plan status, or owner activity conditions are not met.

At the time of these Terms, the Service may issue a warning after an inactive period and may permanently delete the organization environment if the applicable recovery conditions are not met within the stated follow-up period. Those timings, thresholds, and workflows may be changed by us for operational, security, legal, or commercial reasons.

You are solely responsible for:

monitoring owner access and account activity;
maintaining an active paid plan where required to preserve access;
exporting and retaining any data, files, attachments, records, or reports you wish to preserve;
acting before any warning, suspension, expiration, or deletion deadline.

If an organization environment is deleted under an automated retention or inactivity workflow, its data, files, media, logs, and related records may be permanently removed, become irrecoverable, and be unavailable for restoration. To the maximum extent permitted by law, we have no obligation to preserve or restore deleted data once such deletion has been completed.

14. Suspension and Termination

We may suspend, restrict, downgrade, disable, or terminate all or part of the Service or your access immediately, with or without notice, if we reasonably determine that:

you breached these Terms;
payment is overdue;
a security, fraud, sanctions, legal, or abuse risk exists;
continued access could expose us, our users, or third parties to harm, liability, or operational disruption;
we are required to do so by law, regulator, court, processor, provider, or enforcement authority.

Termination or suspension does not relieve you of payment obligations accrued before the effective date of termination or suspension.

15. Records, Logs, and Evidence

You agree that our logs, metadata, system records, timestamps, audit trails, authentication records, support records, billing records, and technical telemetry may be used by us for security, compliance, support, billing, enforcement, dispute handling, and evidentiary purposes.

16. Confidentiality

You may receive non-public information concerning the Service, pricing, architecture, security, operations, roadmap, or internal methods. You will protect that information using at least reasonable care and will not disclose or use it except as necessary for your permitted use of the Service.

17. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS", "AS AVAILABLE", "WITH ALL FAULTS", AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

WE DISCLAIM, TO THE MAXIMUM EXTENT PERMITTED BY LAW, ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, QUIET ENJOYMENT, ACCURACY, RESULTS, SECURITY, AVAILABILITY, AND THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

WE DO NOT WARRANT THAT:

THE SERVICE WILL MEET YOUR REQUIREMENTS;
THE SERVICE WILL BE COMPATIBLE WITH YOUR WORKFLOWS, JURISDICTION, OR REGULATORY DUTIES;
ANY DATA, OUTPUT, MESSAGE, ANALYSIS, OR AUTOMATION RESULT WILL BE COMPLETE, ACCURATE, OR SUFFICIENT FOR YOUR DECISIONS;
ANY SECURITY MEASURE WILL BE IMPENETRABLE OR ANY INCIDENT CAN BE PREVENTED;
ANY TENANT DATA, FILES, CONFIGURATION, HISTORY, OR RECORDS WILL BE PRESERVED WITHOUT INTERRUPTION, LOSS, CORRUPTION, OR SERVICE LIMITATION;
THE SERVICE WILL OPERATE WITHOUT BUGS, ERRORS, DEFECTS, INTERRUPTIONS, INCONSISTENCIES, LATENCY, OR UNEXPECTED RESULTS.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES;
WE WILL NOT BE LIABLE FOR LOSS OF PROFITS, REVENUE, BUSINESS, DATA, GOODWILL, USE, CONTRACTS, REPUTATION, OR ANTICIPATED SAVINGS;
WE WILL NOT BE LIABLE FOR THE COST OF SUBSTITUTE SERVICES OR FOR ERRORS OR DELAYS CAUSED BY THIRD-PARTY PROVIDERS, NETWORKS, PROCESSORS, OR INTEGRATIONS.

OUR AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF:

THE TOTAL AMOUNT PAID BY YOU TO US FOR THE SERVICE IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR
USD 100, IF NO SUCH FEES WERE PAID.

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OF ACTION AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

19. Indemnity

You will defend, indemnify, and hold harmless Elite Services Provider and its owners, officers, directors, employees, contractors, licensors, service providers, and affiliates from and against any claim, demand, action, investigation, loss, liability, damage, fine, penalty, cost, or expense (including reasonable attorneys' fees) arising from or related to:

your use of the Service;
Customer Data;
your users, customers, borrowers, guarantors, communications, or business operations;
your breach of these Terms;
your violation of law or third-party rights.

20. Electronic Communications and Signatures

You consent to receive notices, disclosures, invoices, updates, legal notices, and other communications electronically. You agree that electronic records and electronic signatures may satisfy legal requirements for writings and signatures to the extent permitted by applicable law.

21. Changes to the Service or These Terms

We may update these Terms from time to time. The updated version becomes effective when posted, unless a later effective date is specified. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.

22. Governing Law and Venue

These Terms are governed by the laws of the State of Montana and applicable United States federal law, without regard to conflict-of-law rules.

You agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be brought exclusively in the state or federal courts located in Montana, and you consent to the personal jurisdiction and venue of those courts.

Notwithstanding the foregoing, we may seek injunctive, equitable, or protective relief in any competent jurisdiction to protect our intellectual property, confidential information, systems, accounts, security interests, or business operations.

23. Miscellaneous

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect.
Our failure to enforce any provision is not a waiver.
You may not assign or transfer these Terms or any rights under them without our prior written consent.
We may assign these Terms in connection with a merger, acquisition, financing, reorganization, or sale of assets.
These Terms, together with any order form or written agreement expressly incorporated by reference, form the entire agreement between you and us regarding the Service.

24. Contact

For legal notices or general questions relating to these Terms, contact:

Elite Services Provider Inc.
1001 S. Main St. Ste 600
Kalispell, MT 59901
United States
[email protected]
+1 406 369 9468