The deal between you and Softmax.

These terms govern your use of Softmax Finance (“Softmax”, “we”, “our”) — a non-custodial AI finance team for crypto-native businesses. By creating an account or using the service, you agree to them. If anything below is unclear, email legal@softmax.finance and we'll explain it.

What Softmax does

Softmax provides four AI agents — Bills (AP), Invoices (AR), Books, Treasury — that read your inbox, your wallets, and your accounting integrations and propose actions for your review. You approve. Your wallet signs. We log everything to an immutable ledger.

What Softmax does not do:

• We never hold your private keys. We can't move your funds. If we somehow could, the service would be a custody service, and we deliberately are not one.
• We never auto-execute money-moving actions. Every transaction requires your wallet's signature.
• We don't replace Xero or QuickBooks. We sync clean entries to them; they remain your books of record.
• We're not a money transmitter, not an exchange, not a broker-dealer. We're a software application.

Your account

• You must be at least 18 and authorized to bind the business you're using Softmax for.
• You're responsible for keeping your credentials and your wallet secure. Softmax can't recover lost wallet keys.
• Two-factor authentication (TOTP) is supported and strongly recommended for any workspace handling material funds.

Acceptable use

You agree not to use Softmax to:

• process payments tied to sanctioned individuals, entities, or jurisdictions (OFAC SDN, EU consolidated, UK HMT, UN);
• launder proceeds of crime or evade tax reporting in your jurisdiction;
• operate a money services business, unlicensed exchange, or pyramid scheme;
• upload material that infringes third-party IP, contains malware, or violates someone's privacy;
• scrape, reverse-engineer, or attempt to extract our prompts or agent logic at scale.

We reserve the right to suspend accounts that breach this clause — usually with notice; without notice when the breach is ongoing and clear. We'll always preserve your data export rights described in the Privacy policy.

Payments — how money flows

Customer-side payments to your invoices. Your customers pay via Thirdweb's Bridge CheckoutWidget. Thirdweb is the merchant of record for the card leg. The USDC settles directly to your workspace wallet — Softmax never touches the funds. We receive a webhook from Thirdweb on settlement (payment id, amount, receiver) and mark the invoice paid in your ledger.

Softmax's own subscription billing. One-time prepaid period (1 or 12 months) via the same Thirdweb primitive. 12-month period is flat 12× monthly — no annual discount, by design (the trust posture wins over the discount). Renewal is explicit and never auto-charged. We'll email you before access expires; you re-pay or you don't.

Refunds. Within 14 days of first paying for a tier, we refund unused time, no questions. After that we don't — you've had a long enough trial to know.

Liability + risk

Softmax is provided as-is. The AI agents propose; the AI agents sometimes get things wrong. The whole product is built around the assumption that you review and approve every money-moving action. We surface confidence scores honestly so you can calibrate when to trust and when to dig in.

To the maximum extent permitted by law: we're not liable for indirect, incidental, special, or consequential damages — including lost revenue, lost profits, or business interruption. Our aggregate liability for any claim is capped at the greater of $100 USD or the fees you paid Softmax in the 12 months preceding the claim.

On-chain transactions are irreversible. If you sign a malformed transaction or send funds to the wrong address, Softmax cannot reverse it.

Intellectual property

You own your data. You grant us a limited license to process it for the purpose of providing the service (running classifications, generating drafts, displaying it to you). The service itself — code, design, prompts, agent architecture — remains ours, except where explicitly open-sourced.

Termination

You can cancel anytime by deleting your workspace from Settings. Your data export rights persist for 30 days after cancellation; after that, hard-delete cascades through every row.

We can terminate accounts for repeated breach of acceptable use, payment failure (after 14 days of grace), or operational necessity (rare — would be communicated 60 days ahead).

Changes to these terms

We'll update the “Last updated” date and email active workspaces at least 14 days before material changes take effect. Continued use after the effective date constitutes acceptance.

Governing law + disputes

These terms are governed by the laws of the United Arab Emirates, without regard to conflict-of-laws principles. Disputes go to the DIFC Courts (Dubai International Financial Centre) as the venue, except that you may always bring small-claims actions in your local jurisdiction. Both parties waive jury trial where applicable.