Terms of Service

Last updated: May 2, 2026

These Terms of Service (“Terms”) govern your access to and use of finstackcloud.com (the “Site”) and any tools, content, and services we offer through it (collectively, the “Service”). By using the Service, you agree to these Terms. If you do not agree, do not use the Service.

The Service is operated by Tigrate Technology L.L.C., a Texas limited liability company (“we”, “us”, or “our”).

1. The Service

FinStackCloud provides browser-based tools for parsing, validating, and converting payment file formats — including, but not limited to, NACHA ACH files, FedWire and SWIFT wire messages, FedNow ISO 20022 messages, and X9.37 check files.

The core parsing and validation tools run entirely in your web browser. Files you upload to these tools are processed locally on your device and do not leave your browser. We do not receive, store, or have any ability to access the contents of files processed by these tools.

Some features of the Service may, in the future, involve server-side processing (for example, AI-assisted error explanations or report generation). Any such features will be clearly identified, and we will only process file data for those features when you explicitly invoke them.

2. Eligibility

You must be at least 18 years old, or the age of majority in your jurisdiction, to use the Service. By using the Service, you represent and warrant that you meet this requirement.

If you are using the Service on behalf of a company or other organization, you represent that you have the authority to bind that organization to these Terms.

3. Acceptable use

You agree to use the Service only for lawful purposes and in compliance with these Terms. You agree NOT to:

• Reverse engineer, decompile, or attempt to extract the source code of the Service, except to the extent permitted by law
• Use the Service to violate any applicable law or regulation, including but not limited to laws governing money transmission, banking, and consumer protection
• Use the Service to process files that contain stolen, unlawfully obtained, or fraudulent payment information
• Attempt to gain unauthorized access to any part of the Service, our infrastructure, or any other user’s data
• Use automated means (bots, scrapers) to access the Service in a manner that exceeds reasonable use
• Interfere with or disrupt the operation of the Service
• Upload or transmit malware, viruses, or any other malicious code through the Service
• Misrepresent your identity or affiliation with any person or organization
• Use the Service in any way that could damage, disable, overburden, or impair the Site

We reserve the right to suspend or terminate access for any user we reasonably believe is violating these terms.

4. Intellectual property

Our content

The Service, including its software, design, content, branding, and trademarks, is owned by Tigrate Technology L.L.C. and is protected by intellectual property laws. Except as expressly permitted in these Terms, you may not copy, modify, distribute, or create derivative works based on the Service.

Open source components

Some components of the Service are or may be released under open source licenses. Where we release code as open source, the applicable license terms will accompany that code.

Your content

You retain all rights to any files you process through the Service. We do not claim any ownership in your files. Because most file processing happens in your browser, we generally do not have access to your files in the first place.

If you submit feedback, bug reports, or suggestions to us, you grant us a worldwide, royalty-free, perpetual license to use that feedback to improve the Service, without obligation to you.

5. No professional advice

The Service provides tools to help you inspect, validate, and convert payment file formats. The Service is not a substitute for professional advice from a qualified banking, legal, accounting, or compliance professional. Specifically:

• A file passing our validator does NOT guarantee that your bank, originating depository financial institution (ODFI), or any payment processor will accept the file
• Acceptance of any payment file is governed by your specific origination agreement, daily limits, risk thresholds, and operating rules — none of which we have visibility into
• Our tools may contain errors, may not reflect the most recent version of an applicable file format specification, and may not catch every issue with a file
• Determinations about whether to send, retry, or modify a payment file are your responsibility

You are solely responsible for verifying the accuracy of any output of the Service before relying on it for any production payment, regulatory filing, or commercial purpose.

6. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

• The Service will meet your requirements
• The Service will be uninterrupted, timely, secure, or error-free
• The results obtained from the Service will be accurate or reliable
• Any errors in the Service will be corrected

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL TIGRATE TECHNOLOGY L.L.C., ITS OFFICERS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use of or inability to use the Service
• Any errors, mistakes, or inaccuracies in the Service or its output
• Any payment files you originate, process, or rely upon based on output of the Service
• Any unauthorized access to or use of our servers or any personal information stored therein
• Any interruption or cessation of transmission to or from the Service
• Any bugs, viruses, or the like that may be transmitted through the Service

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). IF YOU HAVE NOT PAID US ANYTHING, OUR LIABILITY IS LIMITED TO ONE HUNDRED U.S. DOLLARS ($100).

These limitations apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damage.

9. Indemnification

You agree to defend, indemnify, and hold harmless Tigrate Technology L.L.C., its officers, members, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys’ fees, arising out of or in any way connected with:

• Your access to or use of the Service
• Your violation of these Terms
• Your violation of any third-party right, including intellectual property or privacy rights
• Any content you submit, post, or transmit through the Service
• Any payment file you originate, process, or rely upon based on output of the Service

10. Modifications to the Service

We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

We may also add, remove, or change features and tools, including converting features that are currently free to paid features, and vice versa. Where reasonable, we will provide notice of material changes.

11. Modifications to these Terms

We may update these Terms from time to time. When we do, we will update the “Last updated” date at the top of this page. Material changes will be communicated by a prominent notice on the Site or, if you have provided your email address to us, by email.

Your continued use of the Service after changes take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.

12. Termination

You may stop using the Service at any time. We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, including if we reasonably believe you have violated these Terms.

Upon termination, all provisions of these Terms which by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

13. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the Service will be resolved exclusively in the state or federal courts located in Collin County, Texas, and you consent to the personal jurisdiction of those courts.

If you are a consumer in a jurisdiction that grants you additional rights, nothing in this section is intended to override those rights.

14. Miscellaneous

Entire agreement. These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding the Service.

Severability. If any provision of these Terms is held to be unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force.

No waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right or provision.

Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any delay or failure to perform resulting from causes outside our reasonable control, including acts of God, war, terrorism, civil unrest, government action, fire, flood, accidents, network failures, or shortages of supplies.

15. Contact

If you have questions about these Terms, please contact us at:

Tigrate Technology L.L.C. Email: hello@finstackcloud.com Mailing address (registered agent in Texas): available upon request at hello@finstackcloud.com.

These Terms apply to all users of finstackcloud.com. Use of any future paid features will require additional agreement to the terms accompanying those features.