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Terms of Service

The terms on which proj.fi provides its project-finance modelling platform, API, hosted connector and MCP server software.

Last updated

Effective date: 11 November 2026

1. About these terms

These terms are an agreement between you and ProjFi, Inc., a Delaware corporation, 251 Little Falls Drive, Wilmington, New Castle County, Delaware 19808 ("proj.fi", "we", "us") for your use of proj.fi: the web application at www.proj.fi, its API, the hosted connector at https://www.proj.fi/api/mcp, the proj.fi MCP server software, and related documentation (together, the "Service").

If you use the Service for an organization, you agree for that organization and confirm you have authority to do so. "You" then means you and that organization.

If your organization has signed a separate written agreement with proj.fi, that agreement governs where it conflicts with these terms.

2. Accounts and access

  1. Access is by approval. We decide who may use the Service and may decline any request.
  2. The NDA. Before you use the Service you accept proj.fi's non-disclosure agreement. It continues to apply alongside these terms.
  3. One person per account. An account is for one named person. Do not share your password, sign-in links, authenticator, API keys or connector sign-ins with anyone.
  4. Accurate information. Give us accurate account information and keep it current.
  5. Your responsibility. You are responsible for everything done through your account, including by an assistant or app you connect, and for keeping your credentials secure. Tell us at once at security@proj.fi if you suspect unauthorised use.
  6. Organizations. An organization's administrators control its members, roles and sharing. We may act on an administrator's instructions about the organization's accounts and data.
  7. Eligibility. You must be at least 18 and able to form a binding contract, and not barred from using the Service under applicable law, including sanctions and export-control law.

3. Acceptable use

You must not, and must not help or allow anyone else to:

  1. copy, reverse engineer, decompile, disassemble or try to derive the source code, engine, formulas, methodology or models of the Service, except to the extent the law allows despite this restriction;
  2. extract the engine's behaviour systematically, for example by automated queries designed to reproduce its calculations, or use the Service or its outputs to build a competing product;
  3. scrape, crawl or bulk-download the Service other than through features we provide for that purpose, such as exports;
  4. get around, probe or test any access control, rate limit, usage limit, authentication step or security measure, except as permitted by our published security policy (reports to security@proj.fi; see /.well-known/security.txt);
  5. access or try to access data that is not yours, including another organization's projects;
  6. share, sell, transfer or expose credentials, API keys or connector tokens, or let someone use the Service through your account;
  7. upload or send anything you do not have the right to use, anything unlawful, or malware;
  8. interfere with or overload the Service, including by load testing or automated scanning of production;
  9. use the Service, or an assistant connected to it, to execute, place or settle any financial transaction, trade or transfer of funds automatically or without a person's decision;
  10. use the Service in breach of law, including securities, privacy, sanctions and export-control law;
  11. remove or alter proprietary notices, or misrepresent outputs as produced by or endorsed by proj.fi when you have changed them.

We may investigate suspected breaches and may suspend access while we do (section 10).

4. Connected apps and AI assistants

  1. Your choice, your assistant. You may connect an AI assistant, such as Claude, to the Service. You choose to connect it, you choose what it may do (read, or read and propose changes), and you are responsible for that assistant, for the instructions you give it and for its provider's terms. We are not responsible for the assistant or its provider.
  2. Proposals change nothing until accepted. An assistant with permission to propose changes can only stage a review in your Working model. Nothing in your model changes until a person accepts the review in proj.fi. You are responsible for every change you accept, and for checking it first.
  3. What-ifs. Values an assistant passes for a single calculation are not saved.
  4. Our control. We may limit, suspend or revoke any connection, or refuse any app, to protect the Service, its users or their data. You can revoke a connection at any time in Settings → Connected apps.
  5. No autonomous transactions. The Service does not execute financial transactions, and you must not configure an assistant to treat Service outputs as an instruction to transact without a person's decision.

5. Outputs are not advice

  1. The Service calculates project-finance models from the inputs you and your organization provide. Results, memos, charts, narratives, imported values and every other output are model outputs for analysis.
  2. They are not investment, financial, tax, legal, accounting, engineering or credit advice, and they are not a valuation, fairness opinion or recommendation to enter any transaction.
  3. Outputs depend on your inputs and assumptions, including proj.fi default assumptions you leave in place. proj.fi's document import reads text patterns and can miss or misread terms. Imports can map workbook values to the wrong input. An assistant you connect reads documents itself, and its reading can be wrong; check every value it proposes against the document.
  4. You are responsible for your inputs, for verifying outputs before relying on them, for using qualified professional advice, and for every decision you make.

6. Your data

  1. You own your content. Your models, inputs, documents and other content you put into the Service ("Customer Data") remain yours.
  2. Licence to operate. You give us a non-exclusive, worldwide licence to host, copy, process, transmit and display Customer Data only as needed to provide, secure and support the Service, and as you direct (for example when you share a project or connect an app).
  3. Your responsibility for content. You confirm you have the rights and any consents needed to put Customer Data into the Service.
  4. Privacy. Our Privacy Policy explains how we handle personal information.
  5. Feedback. If you send us ideas or feedback, we may use them without obligation to you.
  6. Backups and your copies. We back up the database daily and are expanding backup coverage. You remain responsible for keeping copies of data you cannot recreate; every model can be exported at any time as an Excel workbook and as an inputs file.

7. Our property

The Service, including its engine, software, methodology, templates, default assumptions and documentation, belongs to proj.fi and its licensors. These terms give you a limited, non-exclusive, non-transferable right to use the Service for your internal business purposes during your access. No other right is granted.

You may use, copy and share outputs you generate for your own business purposes, subject to section 5 and to the NDA.

8. Confidentiality

The NDA you accepted governs proj.fi's confidential information, including the engine, models, methodology and the Service itself. We keep Customer Data confidential and use it only to provide the Service, as set out in section 6 and the Privacy Policy.

9. Availability and changes

  1. As is. The Service is provided "as is" and "as available". We do not promise it will be uninterrupted, error-free or available at any particular time. There is no service-level agreement unless one is in a separate written agreement signed by proj.fi.
  2. Changes to the Service. We may change, add or remove features. Where a change removes a material feature you rely on, we will try to tell you in advance.
  3. Limits. We set usage limits (for example requests per minute) to keep the Service stable. Do not try to get around them.

10. Suspension and termination

  1. By you. You may stop using the Service at any time and ask us to close your account at support@proj.fi.
  2. By us. We may suspend or end your access, or any connection, at once and without notice if we reasonably believe you breached these terms or the NDA, your use creates a security, legal or operational risk, we must do so by law, or your organization's access ends. Otherwise we will give reasonable notice.
  3. After termination. Your right to use the Service ends. You may ask us within 30 days to let you export your Customer Data, where possible. After that we delete it as described in the Privacy Policy, except where we must keep it by law or as audit records.
  4. What survives. Sections 3, 5, 6.5, 7, 8, 11, 12, 13 and 15 survive termination.

11. Disclaimer of warranties

To the fullest extent the law allows, proj.fi disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, title, non-infringement, and any warranty that outputs are accurate, complete or suitable for any decision.

12. Limitation of liability

To the fullest extent the law allows:

  1. proj.fi is not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, data, goodwill or business opportunity, or for any loss from investment, lending, tax or transaction decisions, however caused;
  2. proj.fi's total liability for all claims relating to the Service is limited to the greater of the fees you paid proj.fi for the Service in the 12 months before the claim and USD 100;
  3. these limits apply even if a remedy fails of its essential purpose.

Nothing in these terms limits liability that cannot be limited by law, such as for fraud.

13. Indemnity

You will defend and indemnify proj.fi against third-party claims, and related losses and reasonable costs, arising from your Customer Data, your breach of these terms or the NDA, your use of outputs, or an assistant or app you connect.

14. Changes to these terms

We may update these terms. We will post the new version with its effective date and, for a material change, tell account holders by email 30 days before it takes effect. If you keep using the Service after that, the new terms apply. If you do not agree, stop using the Service.

15. General

  1. Governing law and courts: these terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules, and the state and federal courts located in Delaware have exclusive jurisdiction over any dispute arising from them.
  2. Assignment: you may not transfer these terms without our consent. We may transfer them with a merger, acquisition or sale of assets.
  3. Entire agreement: these terms, the NDA, the Privacy Policy and any separate written agreement are the whole agreement about the Service.
  4. Severability and waiver: if a provision is unenforceable, the rest still applies. Not enforcing a provision is not a waiver.
  5. Force majeure: neither party is liable for delay or failure caused by events beyond its reasonable control.
  6. Notices: we send notices to your account email. Send notices to us at support@proj.fi and by post to ProjFi, Inc., 251 Little Falls Drive, Wilmington, New Castle County, Delaware 19808, United States.

16. Contact

  • Account and product: support@proj.fi
  • Security reports: security@proj.fi (also at /.well-known/security.txt)
  • Legal notices: support@proj.fi, and by post to ProjFi, Inc., 251 Little Falls Drive, Wilmington, New Castle County, Delaware 19808, United States