Terms of Use

Last Updated: September 30, 2025

Welcome to union-node. By accessing or using our website at union-node.digital and our automated AI financial report generation services, you agree to be bound by these Terms of Use. Please read them carefully before using our services.

1. Acceptance of Terms

By accessing, browsing, or using our services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, you must not use our services.

2. Description of Services

union-node provides automated AI-powered financial report generation services designed to help businesses and individuals create comprehensive financial reports. Our services include but are not limited to:

Automated financial data analysis
Custom report generation
Data visualization and insights
Document export and sharing capabilities
Premium consulting and support services

3. Eligibility and Account Registration

3.1 Age Requirements

You must be at least 18 years of age to use our services. By using our services, you represent and warrant that you meet this age requirement.

3.2 Account Information

When creating an account, you agree to provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

3.3 Account Security

You must immediately notify us of any unauthorized use of your account or any other breach of security. We will not be liable for any loss or damage arising from your failure to protect your account information.

4. User Obligations and Acceptable Use

4.1 Prohibited Activities

You agree not to:

Use the services for any unlawful purpose or in violation of any applicable laws
Upload, transmit, or distribute any malicious code or harmful software
Attempt to gain unauthorized access to our systems or networks
Interfere with or disrupt the integrity or performance of our services
Reverse engineer, decompile, or disassemble any aspect of our services
Use automated systems or bots without our express written permission
Impersonate any person or entity or misrepresent your affiliation
Collect or harvest any information about other users
Share your account access with unauthorized third parties

4.2 Data Accuracy

You are responsible for ensuring that all financial data and information you provide to our services is accurate, complete, and lawful. We are not responsible for errors in reports generated from inaccurate input data.

5. Intellectual Property Rights

5.1 Our Intellectual Property

All content, features, functionality, software, algorithms, and technology underlying our services, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of union-node or our licensors and are protected by international copyright, trademark, patent, and other intellectual property laws.

5.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use our services for their intended purpose. This license does not include any right to:

Resell or make commercial use of our services
Download or copy content except as expressly permitted
Make derivative works based on our services
Use data mining, robots, or similar data gathering tools

5.3 User Content

You retain ownership of any financial data, documents, or other content you submit to our services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, process, store, and display such content solely for the purpose of providing our services to you.

6. Payment Terms and Subscriptions

6.1 Fees and Billing

Certain features of our services require payment of fees. You agree to pay all applicable fees as described on our website at the time of purchase. All fees are non-refundable unless otherwise stated in our Refund Policy.

6.2 Subscription Services

For subscription-based services:

Subscriptions automatically renew at the end of each billing period unless cancelled
You authorize us to charge your payment method for renewal fees
You may cancel your subscription at any time through your account settings
Cancellations take effect at the end of the current billing period

6.3 Price Changes

We reserve the right to modify our fees at any time. We will provide reasonable notice of any fee changes, and such changes will apply to subsequent billing periods.

7. Service Availability and Modifications

7.1 Service Availability

We strive to maintain high service availability but do not guarantee uninterrupted or error-free operation. We may experience downtime for maintenance, updates, or due to factors beyond our control.

7.2 Modifications to Services

We reserve the right to modify, suspend, or discontinue any aspect of our services at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of services.

8. Privacy and Data Protection

Your use of our services is subject to our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your privacy and handling your data responsibly. Please review our Privacy Policy to understand our data practices.

9. Disclaimers and Warranties

9.1 No Warranty

Our services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to:

Warranties of merchantability or fitness for a particular purpose
Warranties regarding accuracy, reliability, or completeness of content
Warranties that our services will be uninterrupted or error-free
Warranties that defects will be corrected

9.2 Financial Disclaimer

Our automated financial report generation services are tools to assist with financial analysis and reporting. They do not constitute financial, accounting, tax, or legal advice. You should consult with qualified professionals regarding your specific financial situation. We are not responsible for any financial decisions made based on reports generated through our services.

9.3 Third-Party Content

Our services may contain links to third-party websites or integrate with third-party services. We do not endorse, warrant, or assume responsibility for any third-party content, products, or services.

10. Limitation of Liability

10.1 No Liability for Damages

To the maximum extent permitted by law, union-node and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

Loss of profits, revenue, or business opportunities
Loss of data or use of services
Business interruption
Loss of goodwill
Any other intangible losses

10.2 Maximum Liability

In no event shall our total aggregate liability arising out of or related to these Terms or your use of our services exceed the amount you paid us in the twelve months preceding the event giving rise to liability, or one hundred US dollars, whichever is greater.

10.3 Applicability

These limitations apply regardless of the legal theory upon which the claim is based, whether contract, tort, negligence, strict liability, or otherwise, and whether or not we have been advised of the possibility of such damages.

11. Indemnification

You agree to indemnify, defend, and hold harmless union-node and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses, including reasonable attorneys' fees, arising out of or related to:

Your use of our services
Your violation of these Terms
Your violation of any rights of another party
Your violation of any applicable laws or regulations
Any content you submit or transmit through our services

12. Termination

12.1 Termination by You

You may terminate your account at any time by contacting us at contact@union-node.digital or through your account settings.

12.2 Termination by Us

We reserve the right to suspend or terminate your account and access to our services at any time, with or without notice, for any reason, including but not limited to:

Violation of these Terms
Fraudulent, abusive, or illegal activity
Extended periods of inactivity
At our sole discretion

12.3 Effect of Termination

Upon termination, your right to use our services will immediately cease. We may delete your account and all associated data. Provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

13. Dispute Resolution

13.1 Informal Resolution

If you have any dispute with us, you agree to first contact us at contact@union-node.digital and attempt to resolve the dispute informally for at least thirty days before initiating any formal proceedings.

13.2 Arbitration Agreement

Any dispute arising out of or relating to these Terms or our services that cannot be resolved informally shall be resolved through binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

13.3 Class Action Waiver

You agree that any arbitration or proceeding shall be limited to the dispute between you and union-node individually. You waive any right to participate in a class action lawsuit or class-wide arbitration.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and union-node regarding our services.

14.2 Amendments

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on our website and updating the "Last Updated" date. Your continued use of our services after changes become effective constitutes acceptance of the modified Terms.

14.3 Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

14.4 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

14.5 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign or transfer these Terms without restriction.

14.6 Force Majeure

We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, riots, labor disputes, or internet service disruptions.

14.7 Language

These Terms are written in English. Any translated versions are provided for convenience only. In the event of any conflict between the English version and a translated version, the English version shall prevail.

15. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Use, please contact us:

union-node
112/11 Phra Pradaeng District
Samut Prakan 10130, Thailand

Email: contact@union-node.digital
Phone: +6624610192
Signal: https://signal.me/#p/+6624610192
Website: union-node.digital

Acknowledgment

By using our services, you acknowledge that you have read these Terms of Use, understand them, and agree to be bound by them. These Terms constitute a legally binding agreement between you and union-node.