API Terms of Service

Date Last Revised: April 26, 2021

These API Terms of Service (“Agreement”) apply to all corporate customers who access and use financial data aggregation and enrichment services provided by PT Lunaria Annua Investasi (“Finfini”). 

This Agreement is supplemental to the Finfini General Terms of Service, and any other terms which govern corporate customers’ use of the financial data aggregation and enrichment services set out in this document. In case of any conflict between the terms of this Agreement and the General Terms of Service, the terms of this Agreement shall prevail. 

By accessing and using the API and RavenEye Services (as such terms are defined in Section 1), the corporate customer (“Client”) agrees to be bound by the terms and conditions of this Agreement. Client must not access and use the API and RavenEye Services if Client doesn’t agree to all of the terms and provisions of this Agreement.

1. Definitions

The terms defined in this Agreement shall be interpreted separately from the defined terms in the General Terms of Service. For the purposes of this Agreement, in addition to the capitalized terms defined elsewhere in this Agreement, the following terms shall have the meanings ascribed to them as follows:

1.1. “Agreement Year” means each separate, consecutive one (1)-year period of the Term, the first such period to commence on the first day of the Term.

1.2. “Confidential Information” has the meaning given to it in Section 8.1.

1.3. “Developer Application” means web, desktop and/or mobile application used or intended to be used by End User as made available by or on behalf of Client and which allows End User to access and use End User’s own financial data via that application.

1.4. “Developer Application Minimum End User Terms” means the terms set out at https://www.finfini.com/pages/developer_application_minimum_end_user_terms, as the same may be amended by Finfini from time to time, for the purpose of compliance with changes in legislation or good industry practice.

1.5. “End User(s)” means customers of Client who are end users of Client’s Developer Application.

1.6. “End User Data” means any financial data relating to End Users which Client and/or Finfini receives, procures, gathers, stores, processes or has access to in connection with the Services, including but not limited to Financial Account Login Credentials and Financial Account Data.

1.7. “End User License Agreement” means such agreement as may be entered into between Client and End User from time to time in respect of End User’s use of the Developer Application.

1.8. “Financial Account Data” means data relating to End User’s financial account in Financial Institution, including:

a. financial account holder details (including by way of example and without limitation name, address, email, phone number);

b. financial account details (including by way of example and without limitation account number, type, currency, balance); and

c. transactions details (including by way of example and without limitation transaction amount, date, description, currency).

1.9. “Financial Account Login Credentials” means financial account login credentials (including by way of example and without limitation username, access number, password, security questions and answers, token/SMS codes, multifactor information, biometric information, device information and other security or access information used to authorize the End User when accessing End User’s financial account in Financial Institution.

1.10. “Financial Institution” means an entity engaged in the business of dealing with monetary transactions, including without limitation banks, payment system providers, e-wallet providers, loan companies, investment companies, eBills providers and other financial service providers located worldwide.

1.11. “Force Majeure” means any circumstances that could not be foreseen and are beyond Finfini’s reasonable control, which materially and adversely affect the ability of Finfini to perform its obligations under this Agreement, including without limitation normative acts issued by the state and government institutions and binding for Finfini, enforcement by Financial Institution, Financial Institution’s blocking or denial of access to Finfini and/or RavenEye API, strikes, natural disasters, war or any kind of military operations, blockade, and epidemics.

1.12. “Intellectual Property Rights” means all industrial and other intellectual property rights comprising or relating to: (a) patents; (b) trademarks; (c) Internet domain names, whether or not trademarks, registered by any authorized private registrar or governmental authority, web addresses, web pages, website and URLs; (d) works of authorship, expressions, designs and industrial design registrations, whether or not copyrightable, including copyrights and copyrightable works, software and firmware, application programming interfaces, architecture, files, records, schematics, data, data files, and databases and other specifications and documentation; (e) trade secrets; and (f) all industrial and other intellectual property rights, and all rights, interests and protections that are associated with, equivalent or similar to, or required for the exercise of, any of the foregoing, however arising, in each case whether registered or unregistered and including all registrations and applications for, and renewals or extensions of, such rights or forms of protection under the laws of any jurisdiction in any part of the world.

1.13. “Metadata” means all metadata, usage data, service data, relationships, trends, metrics, logs and all other information derived from Client’s and End Users’ use of the RavenEye API, RavenEye API Data and/or Services.

1.14. “Object” means a record that contains several fields, including without limitation amount, date, description and currency.

1.15. “Privacy Policy” means the privacy and security policy of Finfini as set out at https://www.finfini.com/pages/privacy_policy, as the same may be amended from time to time for the purpose of compliance with changes in legislation or good industry practice.

1.16. “SDKs” means the software development kits for different platforms made available by Finfini to Client as part of the RavenEye API and which facilitate integration of Developer Application with the RavenEye API.

1.17. “Services” has the meaning given to it in Section 3.1.

1.18. “RavenEye API” means the Finfinis’s proprietary data aggregation platform which is developed from the Finfini technologies, and which aggregates financial data retrieved from Financial Institutions and/or enriches financial data. The RavenEye API also includes documentation (guides and API reference), SDKs and back-end gateway. RavenEye API consists of two (2) modules: RavenEye Data Aggregation API and RavenEye Categorization API.

1.19. “RavenEye API Data” means data and/or information delivered via or made available by RavenEye API, including without limitation Metadata, Financial Account Data and enriched financial data.

1.20. “Support Services” has the meaning given to it in Section 3.2.

1.21. “Term” has the meaning given to it in Section 18.1.

1.22. “Transaction Data” means a set of Objects that Client transmits to Finfini.

1.23. “Website” means the Finfini website at https://www.finfini.com and all related subdomains and any other linked pages, features, or content offered from time to time by Finfini.

2. License Terms

2.1. License Grant 

The API and RavenEye Services are protected by copyright, trade secret, and other intellectual property laws. Subject to the provisions of this Agreement and payment of the applicable fees as specified herein, Finfini grants Client a limited, non-assignable, non-transferable, revocable, non-sublicensable and non-exclusive license and right to access and use the API and RavenEye Services during the Term of this Agreement for the express purpose of (i) developing, testing, connecting with and supporting Client’s Developer Application that will make use of or interface with the RavenEye API; and (ii) providing services to Client’s End Users via the Developer Application. 

Except for rights expressly granted to Client hereunder, Finfinin reserves all other rights, title and interest in and to the API and RavenEye Services and the underlying technologies used to provide the Services. Client acknowledges that only Finfini shall have the right to maintain, enhance, or otherwise modify the API and RavenEye Services and the underlying Finfini technologies, unless specific permissions are granted to Client in a separate agreement with Finfini.

2.2. Territory 

Client’s use of the API and RavenEye Services shall be limited solely to countries and Financial Institutions within those countries supported by Finfini. Client shall regularly check the Website for a complete and up-to-date list of supported countries and Financial Institutions. This list may be amended by Finfini from time to time.

3. Services

3.1. Services 

During the Term of this Agreement, Finfini shall provide the following services (“Services”) to Client in accordance with and subject to the terms and conditions set forth in this Agreement, and as further described in this Agreement:

a. financial data aggregation services made available via RavenEye Data Aggregation API that enables import of Financial Account Data into the Developer Application;

b. financial data enrichment services made available via RavenEye Categorization API that enables Client to receive enriched financial data into the Developer Application; and

c. such other related services as may be expressly agreed between Finfini and Client from time to time by signing separate agreements.

3.2. Support Services 

During the Term of this Agreement, Finfini shall provide the following support services (“Support Services”) to Client in accordance with and subject to the terms and conditions set forth in this Agreement:

a. maintenance and professional customer support for API and RavenEye Services offered to Client during integration; and

b. follow-up maintenance and support for API and RavenEye Services.

3.3. Services Restrictions 

Client shall use the API and RavenEye Services solely as contemplated in this Agreement. Without limiting any other provision of this Agreement, Client agrees that Client will not (and will not allow any third party to), either directly or indirectly:

a. disseminate, market, license, sublicense, sell, resell, lease, transfer, assign, distribute, time share, let, rent, give somebody the loan of, sub-authorize any element of the API and RavenEye Services, or otherwise make the API and RavenEye Services available to any third party, including making the API and RavenEye Services available through any method or any application hosting service, save as expressly permitted by this Agreement;

b. modify, translate, reverse engineer, decrypt, decompile, decode, disassemble, create derivative works based on RavenEye technologies (including the API and other RavenEye software), undertake any benchmark trials using all or any part of the RavenEye API, or in any other way try to procure the human decipherable form of the RavenEye API, except to the extent expressly agreed upon in writing by Finfini with Client or to the extent that enforcement is prohibited by applicable law notwithstanding a contractual provision to the contrary;

c. circumvent any user limits or other use restrictions that are built into the API and RavenEye Services;

d. remove or obliterate any proprietary notices, ownership labels, classified legends or marks from the API and RavenEye Services;

e. indulge in any action with the API and RavenEye Services that meddles with, disturbs, destroys, or accesses in an unlawful way the server networks, connections, records, or other assets, tools or services of Finfini or any related third party;

f. transmit any worms, viruses, Trojan horses, or any other malware, disruptive or harmful software or data through the Developer Application or Client’s access to or use of the API and RavenEye Services; or

g. access the API and RavenEye Services in order to (i) build a competitive product or service; or (ii) copy any ideas, features, functions or graphics of the API and RavenEye Services

4. Use of the RavenEye API

4.1. Compliance with Services Requirements and Guidelines 

Client must meet the terms of Finfini’s development requirements and guidelines available at https://www/finfini.com/pages/developer_requirements_and_guidelines (“Development Requirements and Guidelines”), as the same may be updated by Finfini from time to time, together with such other guidelines which Finfini may choose to publish in the Terms of Service, and change or update from time to time.

4.2. Development Requirements 

Subject to the terms of this Agreement, Client may distribute or offer access to the Developer Application to Client’s End Users as long as:

a. the Developer Application is not disseminated in the code form in which it was sourced;

b. as a condition to using the Developer Application, Client requires End Users to accept the terms of an End User License Agreement, which are no less protective of Finfini and its associates and suppliers than the provisions of this Agreement and which incorporate the terms (or equivalent terms) as are set out in the Developer Application Minimum End User Terms, and a privacy policy that is in conformity with the stipulations of Section 5.3;

c. Client shall be solely liable for any liability arising from (i) any development, use, distribution of or access to the Developer Application, support of the Developer Application; and (ii) any access, use, distribution, storage, dissemination, processing or holding of End User Data by Client;

d. Client shall comply with all the relevant local, statutory, national or international statutes or directives, and regulations of governing bodies or agencies in countries in which Client operates or markets or disseminates the Developer Application into, as well as the territories from which Client acquires End User Data, including without limitation all applicable laws in respect of personal information and privacy;

e. Client will not develop or distribute any Developer Application which may be used to perpetrate any felony or other illegal action;

f. Client will include disclaimers in Client’s Developer Application and its End User License Agreement that the Developer Application is the Client’s and has not been reviewed or endorsed by Finfini; and

g. Client will not make use of Finfini’s name, symbol or trademarks to promote Client’s Developer Application without the prior written consent of Finfini and otherwise in accordance with the provisions of Section 10.

4.3. Client’s Token 

Client shall only access and use the API and RavenEye Services through unique access credentials created by Finfini for Client and licensed by Finfini to Client (“Token”). Client shall not sub-license, lease, sell, rent, disclose, share, distribute, publish or assign any Token provided to Client under this Agreement to any third party, save as otherwise expressly provided in this Agreement. Client acknowledges and agrees that: (i) Client shall be solely responsible for any actions performed with the API and RavenEye Services and in Client’s account in the back-end gateway using Client’s Token; all such actions are deemed to be performed by Client; and (ii) to access specific RavenEye API Data or Services, or specific functions, data or content available in Client’s account in the back-end gateway, Finfini may add additional methods and/or criteria of authentication or change the existing ones at any time with prior notification to Client, and Client shall be obligated to comply with such access requirements.

5. Access to the Services via RavenEye API

5.1. Permissions 

Any access and use of the API, API Data, and RavenEye Services are subject to the provisions of this Agreement and payment as specified herein. Client acknowledges and agrees that Client may:

i. use the API, API Data, and RavenEye Services solely for the express purpose of developing, testing, connecting with and supporting the Developer Application, and providing services to Client’s End Users via the Developer Application; and

ii. allow Client’s End Users to use the Services through, and only through, the Developer Application.

5.2. Restrictions 

Client acknowledges that Client will not (nor allow any third party, including without limitation End Users), either directly or indirectly:

a. engage in any behaviour that could harm the technical infrastructure or systems of the Services;

b. engage in any activities that would result in disruption of the Services;

c. engage in any activities that would bring the Services into disrepute;

d. use the Services for any activity that is contrary to the provisions of any law or regulation;

e. try to have any unauthorized access to the Services, its associated servers, networking, systems, services, data or any other services of Finfini or any related third party; or

f. engage in any activities that would result in foreseeable damage to the reputation of Finfini and/or its affiliates.

5.3. End User Data Terms 

To the extent Client’s Developer Application receives, procures, gathers, stores, processes or has access to any End User Data via the Services, Client is solely responsible for obtaining the requisite permission from End Users for use of their End User Data and, without limiting the foregoing, agrees to clearly bring to the attention of End Users Client’s use of their End User Data and have a privacy policy in place which Client adheres to and which reflects the following terms:

a. the privacy policy shall clearly bring to the knowledge of the End Users likely places of storage and all uses of their End User Data by Client and by Finfini, and obtain their prior permission for all such uses;

b. Client and End User must acknowledge that Client shall be solely liable for any liability arising from Client’s access, use, distribution, storage, dissemination, processing or holding of End User Data;

c. Client shall not use the End User Data for any unlawful purpose or retain any End User Data for a period longer than required to use the Developer Application; if an End User stops adhering to or overturns agreement for use of its End User Data, Client must forthwith stop all utility or use of that End User’s End User Data, which includes turning off Client’s access to that End User’s End User Data from Finfini by deleting the connection to End User’s financial account in Financial Institution established through the Services;

d. Client shall not utilize the End User Data in abetting any felonious or other prohibited or unlawful activities or actions; and

e. Client shall not sell or transfer to or share any such End User Data with any third parties, except as strictly allowed by the End User or unless it is otherwise stipulated by the law.

5.4. End User Data Protections 

To the extent Client’s Developer Application receives, procures, gathers, stores, processes or has access to any End User Data via the Services, Client shall:

a. put in place and sustain appropriate technological and organizational security measures to protect the End User Data from unlawful and unauthorized use and disclosure and to ensure safe handling of End User Data in conformity with the applicable laws, regulations, prevailing statutes, rules, ordinances and industry standards;

b. with regard to any End User’s private documents or information domiciled locally within the confines of the Developer Application, ensure that:

i. the account ID is unique for that End User on the Developer Application;

ii. the password has at least eight (8) characters in length;

iii. 128-bit SSL is made use of as Client transfers any password or account ID via the World Wide Web; and

iv. the password is not kept in plain text and is one-way hashed via SHA-256 (or better) and kept only as hashed values.

c. conform to all the prevailing Finfini policy guidelines, including the Finfini Privacy Policy and Development Requirements and Guidelines; and

d. adhere to all the data safeguarding, personal information and privacy laws and regulations regarding the gathering, processing, transfer and use of personal information applicable for the jurisdictions in which both Client and Client’s End Users are located.

5.5. Processing Financial Account Login Credentials 

Client’s processing of End User’s Financial Account Login Credentials must be in accordance with the applicable laws, prevailing Finfini policy guidelines and good industry practice. Client may process any End User’s Financial Account Login Credentials that may be used to access End User’s Financial Account Data from another source (e.g., the End User’s Financial Institution) only if Client is security certified and obtains prior written authorization from Finfini.

5.6. Alterations and Updates 

Finfini retains the exclusive right to alter or update the RavenEye API, or terminate specific services and/or functionality provided by the RavenEye API at any time in its exclusive determination, including but not limited to termination due to security reasons, regulatory requirements, updates or changes to the RavenEye API, or other business reasons.

5.7. Cooperation 

Client shall promptly correct any errors, bugs or faults in the Developer Application, detected by Client or Finfini, that cause the Developer Application to access incorrectly the API and/or RavenEye Services, and notify Finfini of the same.

5.8. Ownership 

Client acknowledges and agrees that Finfini reserves all rights, title, and interest to the RavenEye API and its Confidential Information, including all Intellectual Property Rights contained therein. At no given time shall Client profess or claim RavenEye’s inalienable possession of the foregoing. Apart from the express licenses granted herein, no other licenses are given by RavenEye here below, by any sort of implication, estoppel or otherwise.

5.9. Open Source 

Some software packages, archives, or parts of the RavenEye API may be authorized under an open-source software permit (“Open-Source Components”). Client understands that Client’s use, replication, and distribution of any such Open-Source Components are exclusively dictated by the terms of the applicable open-source software authorization and not this Agreement.

5.10. Metadata 

Client acknowledges and agrees that Finfini retains ownership of all Metadata. To the extent Finfini decides in its sole discretion to make Metadata or any portion thereof available to Client, Client may only use such Metadata internally to improve Client’s services, provide technical assistance and for troubleshooting.

6. RavenEye API Access Terms

6.1. Data Volume Fetching Limits 

RavenEye API was developed to provide real time access to End Users’ financial or other data available from the End User’s Financial Institution. Access to the RavenEye API is subject to the following data fetching limits:

a. Up to two (2) fetches of new data from any Financial Institution per second (7,200 per hour);

b. Limited to one (1) fetch of new data from any Financial Institution per day per End User;

c. If there is a failure to fetch or retrieve new data from a Financial Institution, Client is allowed to make up to two (2) additional attempts to retry fetching new data for the associated End User per day. Retried fetches are subject to the same limitations on fetching calls per second set forth in paragraph a. above; and

d. Finfini gives Client the option to enable automatic fetching of new data per each End User’s connection to a Financial Institution. Finfini’s standard automatic fetching time starts at 2AM and ends at 6AM in local time of the capital of the country where the Financial Institution is located. In certain cases, the automatic fetching time is from 2AM to 6AM UTC.

6.2. Data Volume Limits 

This Section applies to Client if Client is using the RavenEye Categorization API separately. The RavenEye Categorization API was developed to provide real time categorization of Transaction Data. Accessing the RavenEye Categorization API is subject to the following limits:

a. Categorization request to the RavenEye Categorization API must not exceed one hundred (100) Objects; and

b. Up to two (2) requests of categorization of Transaction Data per second (7,200 per hour).

6.3. Batch Fetching Restrictions 

Client is not allowed to use the RavenEye API for batch fetching of new data for all or a part of its End Users’ Financial Institution connections. Instead, Client should use Finfini automatic fetching mechanism for offline retrieval of new data from Financial Institutions. However, Client can execute fetching of new data from an End User’s connection to a Financial Institution when the End User logs into Client’s Developer Application and wishes to receive the most up-to-date financial information.

6.4. Changes to the Access Terms 

Client acknowledges and agrees that Finfini reserves the right to change the RavenEye API access limits and restrictions at any time with prior notification to Client. Finfini may use various methods and criteria to limit access and use of the API and/or RavenEye Services, including but not limited to number and frequency of access requests and data volume.

6.5. External Financial Institution Connectivity 

Client agrees that access to information from Financial Institutions may require additional actions by Finfini, including but not limited to:

a. storage of End User’s two (2)-factor or other higher level customer authentication requirements as provided by the End User; and

b. a direct data connection to the Financial Institution through use of the Financial Institution’s security system in the RavenEye API.

Client further acknowledges that Financial Institutions may make changes to their websites and/or APIs at any time, which changes may prevent or delay the provision of Services.

6.6. Accuracy of RavenEye API Data 

Finfini does not represent, warrant or undertake that the RavenEye API Data, including without limitation Financial Account Data, will at all times be accurate, error-free, up-to-date or complete.

7. Developer Application Submission and Review

7.1. Appraisal 

Finfini may require all new Developer Applications and current Developer Applications to be delivered to Finfini for appraisal and approval before being made available by Client for distribution. By delivering Client’s Developer Application to Finfini, Client gives Finfini and/or its third party associates a limited, non-exclusive, non-transferable right and license to access, test and use the Developer Application for the purpose of appraising and assessing such Developer Application’s conformity to the conditions of this Agreement.

7.2. Cooperation 

Client agrees to cooperate with Finfini in the Developer Application submission and review process, including but not limited to replying to any questions and providing information, data and resources practicably asked for by Finfini regarding Client’s Developer Application, the running of Client’s business, the performance of any application for which Client has used the RavenEye API or the carrying out of any of Client’s obligations pursuant to this Agreement.

7.3. Finfini’s Discretion 

Client acknowledges and understands that Finfini may, in its final discretion, turn down Client’s Developer Application for any reason, even if such Developer Application conforms to all of the then prevailing policy guidelines and requirements offered herein. Client further acknowledges that Finfini is not obligated to provide explanation regarding its reasons for rejecting Client’s Developer Application. Finfini shall have no responsibility or liability for any liabilities, losses, lost profits, potential lost business opportunities or damages that might arise in relation to Finfini’s appraisal and rejection of any Developer Application.

7.4. Alterations by Client 

If Client makes any significant alterations to its Developer Application, including but not limited to significant patches, upgrading, betterments, switches to new RavenEye API version, or any significant adjustment to the functionality, aspects, or user interface of Client’s Developer Application (together, a “Significant Alteration”), Client shall forthwith notify Finfini that Client has made such Significant Alteration. 

Upon being notified of such Significant Alteration (or if Finfini decides in its sole discretion that Client may have made such Significant Alteration), Finfini may require Client to re-submit the Developer Application for re-assessment. If Finfini determines in its sole discretion that the modified Developer Application no longer complies either with any of the Agreement terms or with applicable laws, Finfini shall notify Client of such determination. Finfini reserves the right to suspend providing the Services indefinitely or terminate the Agreement at its discretion without further liability to Client if Client fails to bring the Developer Application into compliance within thirty (30) days following Finfini’s notification of non-compliance

7.5. Compliance 

The fact that Finfini has assessed, tested, or accepted Client’s Developer Application does not reduce or terminate any of Client’s responsibilities set out in this Agreement, including but not limited to ensuring the Developer Application remains at all times compliant with applicable laws.

8. Confidentiality and Use of Protected Information

8.1. Confidential Information 

Client acknowledges and agrees that Metadata, Token(s) and all non-public information about the API, API Data, and RavenEye Services are the confidential and proprietary information of Finfini or its licensees (“Confidential Information”). Client shall not:

i. disclose the Confidential Information to any third party without Finfini’s prior written consent; and

ii. use the Confidential Information for any purpose outside the scope of this Agreement.

If Client discloses or uses (or threatens to disclose or use) any Confidential Information in breach of confidentiality obligations contained herein, Finfini shall have the right, in addition to any other remedies available to it, to seek injunctive relief to enjoin such acts, it being specifically acknowledged by Client and Finfini that any other available remedies may be inadequate.

8.2. Confidentiality Obligations 

Client agrees to:

i. protect the confidentiality of the Confidential Information in Client’s possession and/or contained in the Developer Application in the same manner that it protects the confidentiality of its own proprietary and confidential information of like kind, but in no event using less than reasonable care and industry standards mechanisms;

ii. destroy all Confidential Information in Client’s possession and/or contained in the Developer Application and any copies thereof upon termination of this Agreement, and provide written certification of such destruction if so requested by Finfini;

iii. immediately notify Finfini if Client becomes aware of any unauthorized access, use, copying or disclosure of the Confidential Information and take such steps and measures as shall be necessary to prevent further unauthorized access, use, copying or disclosure.

8.3. Protected Information 

The privacy provisions set out below are in addition to the terms in the Privacy Policy and dictate Finfini’s use of End User Data and data related to Client and the Developer Application (collectively, “Protected Information”). With respect to any Protected Information that Finfini receives, procures, gathers, stores, processes or has access to in connection with the provision of Services, Finfini shall:

a. put in place and sustain appropriate technological and organizational security measures to protect the Protected Information from unlawful and unauthorized use and disclosure and to ensure safe handling of such data in conformity with the applicable laws, regulations, prevailing statutes, rules, ordinances and industry standards; and

b. conform with PCI DSS policies and security standards when handling Financial Account Login Credentials.

(a) Finfini’s Use of Protected Information 

Client acknowledges and agrees that Finfini, its employees, agents and third party subcontractors may:

i. access, receive, procure, gather, store, transmit Protected Information to the Developer Application and process Protected Information on Client’s behalf for the purpose of providing the Services;

ii. use any and all Protected Information internally to offer and improve the API and RavenEye Services, or any other Finfini product/service; and

iii. use the Protected Information, with prior notification to Client (unless such notification is prohibited by subpoena or other order of a court of law, law enforcement agency or regulatory body), to comply with any subpoena or other order of a court of law, law enforcement agency or regulatory body.

(b) Finfini’s Use of Anonymized Data 

Finfini may use anonymized and aggregate Protected Information for any purpose both during the Term and after termination of this Agreement, including but not limited to analytical research and service improvement, and may use, publish, distribute and/or license such anonymous aggregate data to better its service delivery, to achieve an improved user-friendly experience, and to help in troubleshooting and providing specialized support for its customers.

(c) Client’s Use of Anonymized Data 

Client has the right to use anonymized and aggregate Protected Information gathered or archived via the Services to undertake analytical research, efficiency measurement, tracking and comparison, and making of decisions, provided that such use of anonymized and aggregate Protected Information is solely for the purpose of supporting the Developer Application and providing services to End Users.

8.4. Notification of Security Breach 

Client must notify Finfini promptly of any (i) security breach or suspected security breach of Client’s systems, software, network or Developer Application; or (ii) security violation or suspected security violation of End User Data domiciled within Client’s systems, software, network or Developer Application, in order to allow Finfini to take reasonable measures to apply preventive actions with respect to API and RavenEye Services. Such notification shall include a description of the security breach and, if applicable, identification information of each End User whose End User Data has been, or Client reasonably believes to have been, unlawfully accessed, acquired or disclosed during such breach.

9. PCI DSS Compliance

If Client’s Developer Application receives, procures, gathers, stores, processes and/or transfers End Users’ Financial Account Login Credentials, Client must only disseminate Developer Applications that are in conformity with all the local statutes, industry standards and credit card association guidelines, including but not limited to all policies outlined in the Payment Card Industry Data Security Standard (“PCI DSS”) (which can be found at www.pcisecuritystandards.org) for safeguarding Financial Account Login Credentials. 

Finfini possesses the incontestable right to refuse access to any of the Services if Finfini decides in its sole discretion that the Developer Application fails to conform to the provisions of this Section 9.

10. Trademarks and Naming

10.1. Definitions 

In this Section: 

“Finfini Services Logo” refers to the Finfini Services logo(s), or such supplementary or alternative logo(s) as Finfini may settle for from time to time in its exclusive determination. 

“Finfini Marks” refers to the Finfini company name, the Finfini Services Logo, as well as other Finfini trademarks, product and services names, including but not limited to FINFINI.

10.2. Terms of Use 

Pursuant to Client’s conformity to the provisions of this Agreement, Finfini hereby grants Client a limited, non-exclusive, non-transferable, royalty-free, revocable license to use the Finfini Marks only on the Developer Application and in packaging, marketing resources, sales promotion and Internet pages directly connected to the sale and support of the Developer Application. 

Client’s use of the Finfini Marks must also meet all applicable Finfini branding and trademark use stipulations as communicated by Finfini, and which may be modified by Finfini from time to time in its sole discretion by notice to Client.

10.3. Restrictions 

Client must not in any event use the Finfini Marks or aspects of the Finfini Marks (or phonetic equivalents of the Finfini Marks):

i. as a component of any product for the Developer Application itself;

ii. as part of any brand(s), company names, service names or trade name(s) that appear in conjunction with the Developer Application;

iii. on direct commercial source identifiers, such as stationery, business cards, company insignia, domain names, company websites, or untested products;

iv. in any other way, including but not limited to use on promotional goods (e.g., t-shirts), on tradeshow booths, standalone industrial support or consulting services, or other goods or services not pre-approved in writing by Finfini;

v. in connection with Developer Application that is or could be considered by Finfini, in its sole discretion, to breach Finfini’s policy guidelines as published by Finfini from time to time; or

vi. in any other manner which a reasonable person would consider could bring Finfini into disrepute or otherwise damage the good will associated with the Finfini Marks.

10.4. Proper Attribution and Disclaimer 

Each and every material, including packaging, advertising materials and Internet pages pertaining to the Developer Application, that shows the Finfini Marks shall include the necessary legend as follows: “Finfini is a trademark of CV Finfini Sukses Bersama, and is shown under license.”

10.5. Acknowledgement 

Finfini reserves all right, title, and interest in and to the Finfini Marks and all use of the Finfini Marks by Client shall inure to the exclusive benefit of Finfini. Client must not:

i. design or register in any country or state any trademarks, service marks, trade names, keywords, screen names or Internet domain names that have aspects of, or are akin to, the Finfini Marks; or

ii. contest Finfini’s possession or use of the Finfini Marks.

10.6. Finfini’s Use of Client Marks 

Finfini may refer to Client and the Developer Application on Finfini’s Website, in Finfinis’s press-releases, in customer list in marketing materials and advertising resources in any medium and may use Client’s corporate name and logo (including without limitation any name and/or logo protected by trademark or copyright), product names, trademarks, brand(s) and trade name(s) that appear in conjunction with the Developer Application (collectively, “Client Marks”) for this purpose. Client hereby grants Finfini a limited, non-exclusive, royalty-free and non-transferable license to use Client Marks for this purpose during the Term of this Agreement. Finfini shall not use the Client Marks for any other purpose without Client’s prior written consent.

11. Proprietary Rights

11.1. Reservation of Rights 

All right, title and interest in and to the API and RavenEye Services, including all Intellectual Property Rights therein, are and will remain with Finfini and its licensors. Client acknowledges and agrees that it has no right, license or authorization with respect to any of the API and RavenEye Services (including any Intellectual Property Rights therein) except as expressly set forth in this Agreement. All other rights in and to the API and RavenEye Services are expressly reserved by Finfini and its licensors.

11.2. Feedback 

Finfini may freely use any feedback, suggestions and/or ideas Client may provide (collectively, “Feedback”). Client hereby grants Finfini a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, royalty-free license to use the Feedback that Client submits to Finfini. Finfini may put Client’s Feedback in various uses, that may include but are not limited to modifying and improving the Services, RavenEye API, Finfini’s other current and future services/products, service advertising and marketing materials. Finfini reserves the right to incorporate Client’s Feedback into the API and/or RavenEye Services and if so incorporated, the Feedback shall form part thereof and shall become Finfini’s intellectual property.

12. Updates and Support

12.1. Updates 

Finfini reserves the right at any time to modify, update or discontinue (temporarily or permanently) the API and/or RavenEye Services with notice. Finfini will inform Client of any planned changes or upgrades to the API and/or RavenEye Services by sending an email notification at least ninety (90) days prior to the changes coming into effect. In case of any emergency or other unplanned modifications or updates to the API and/or RavenEye Services, Finfini will send Client a notification by email as soon as time permits informing Client of the date when such changes or updates become effective.

12.2. Support Services 

Finfini shall provide Support Services to Client in accordance with the terms of this Agreement. Client acknowledges and agrees that Finfini will not be responsible for providing any customer or technical support and/or maintenance for Client’s Developer Application. Client further agrees that Finfini has no obligation to provide support or technical assistance directly to End Users in connection with the Services and Client shall not represent to any End User that Finfini is available to provide such support. Client agrees to use commercially reasonable efforts to provide support to End Users relating to the Services

13. Performance and Temporary Suspension

13.1. Performance 

The Services depend on Internet availability, including networks, cabling facilities and equipment that are not in Finfini’s control. Accordingly:

i. notwithstanding anything to the contrary in this Agreement and without limiting any other provision of this Agreement, any representation made by Finfini regarding access, performance, speed, reliability, availability, use or consistency of the API and RavenEye Services is based on a commercially reasonable effort basis; and

ii. no guarantee is given in respect of any minimum level regarding such access, performance, speed, reliability, availability, use or consistency of the API and RavenEye Services in respect of Internet availability, including networks, cabling facilities and equipment that are not in Finfini’s control, but Finfini agrees it will use commercially reasonable efforts to restore such availability where it is within its power to do so.

13.2. Temporary Suspension 

It is in the best interests of both Client and Finfini that Finfini maintain a secure and stable environment. In the event of degradation or instability of the RavenEye API, an emergency or Force Majeure, Finfini may in its sole discretion temporarily suspend Client’s access to the RavenEye API and/or Website. 

Notwithstanding anything to the contrary herein, Finfini may also in its sole discretion end or temporarily deny access to the Services to any End User at any given time. Finfini shall have no responsibility or liability for any liabilities, losses, lost profits, potential lost business opportunities or damages that might arise in relation to Finfini’s suspension or denial of access to the API, Website and/or RavenEye Services.

14. Indemnification Obligations

14.1. General Indemnification 

Client agrees to indemnify, defend and hold Finfini, its officials, managers, employees, associates, subsidiaries, licensors, suppliers and service providers (collectively, “Representatives”) harmless from any and all claims, losses, expenses, liabilities, damages and costs, including but not limited to reasonable attorneys’ fees and costs, incurred by or imposed upon Finfini arising out of any claims (collectively, “Claims”) relating to:

a. Client’s Developer Application, Client’s materials or other content or work which infringes on any third-party Intellectual Property Rights;

b. Client’s development, promotion, support or dissemination of the Developer Application;

c. Client’s use of the Services and RavenEye API Data, including any reliance on or use of Financial Account Data accessed through the Services;

d. a security breach of Client’s Developer Application, system or network, or the illegal use, access or disclosure of End User Data and/or Confidential Information; or

e. Client’s breach of any of the terms and provisions of this Agreement.

Finfini shall provide notice of any Claim to Client and upon Finfini’s request subject to a regulatory, governmental or End User’s request, Client accepts to wholly cooperate with Finfini, including without limitation giving Finfini access to data concerning Client’s business and Developer Application, to help with any inquiry or investigation associated with Client’s use of the Service and/or the development, promotion or dissemination of the Developer Application.

14.2. Indemnity for Agents 

If Client allows its affiliates, associates, subcontractors, employees, and/or any third party (collectively, “Agents”) to access and use the API and RavenEye Services, Client shall procure written agreements from such Agents that they will comply with the confidentiality obligations set forth in Section 8.2 and End User Data terms and protections in Section 5 of this Agreement as if they were the Recipient. Client shall be entirely liable for:

a. Agents’ acts or omissions with respect to their access to and use of the API and RavenEye Services; and

b. making sure that Agents’ access to and use of the API and RavenEye Services is in conformity with the terms of this Agreement and the applicable laws, statutes and regulations.

Client hereby agrees to fully indemnify, defend, compensate and hold Finfini and its Representatives harmless for any and all allegations, claims, losses, damages, liabilities and expenses, including but not limited to reasonable attorney’s fees, incurred by or imposed upon Finfini and/or its Representatives as a result of the unlawful actions, acts, omissions, fraud, gross negligence or willful misconduct of Client’s Agents.

14.3. Indemnity for End User Claims 

Client shall keep Finfini, both during the Term and after termination of this Agreement, fully and effectively indemnified against all losses, claims, damages, liabilities, costs and expenses incurred by or imposed upon Finfini as a consequence of any award or judgment in favour of an End User of the Client arising in connection with the Developer Application, End User Data or Services.

15. Fees and Payment

15.1. Services Fees

(a) RavenEye API Fees: For each Developer Application Client shall pay to Finfini the following fees for the Services: a one-time setup fee (“Setup Fee”), a monthly per End User fee (“Monthly Per End User Fee”) subject to a monthly minimum commitment fee (“Monthly Minimum Commitment Fee”), as well as any applicable charges, including but not limited to applicable taxes (collectively, “Fees”). Client also agrees that the Monthly Minimum Commitment Fee shall continue and apply unless the total Monthly Per End User Fee exceeds the Monthly Minimum Commitment Fee.

(b) RavenEye Categorization API: This Section applies to Client if Client is using the RavenEye Categorization API separately. For each Developer Application Client shall pay to Finfini a one-time setup fee (“Setup Fee”), a categorization fee (“Categorization Fee”) subject to a monthly minimum commitment fee (“Monthly Minimum Commitment Fee”), as well as any applicable charges, including but not limited to applicable taxes (collectively, “Fees”). Client also agrees that the Monthly Minimum Commitment Fee shall continue and apply unless the total monthly Categorization Fee exceeds the Monthly Minimum Commitment Fee.

The Fees applicable to Client shall be specified in a separate agreement with Client and/or in the monthly invoice sent to Client. Client understands and agrees that all payment obligations are non-cancellable and all amounts paid under this Agreement are non-refundable in whole or in part, even if this Agreement is terminated by Client or Finfini pursuant to the provisions herein.

15.2. Additional Fees

(a) In addition to the Fees indicated in Section 15.1, Client shall reimburse Finfini for any additional costs, fees and expenses, including without limitation reasonable attorney’s fees, labor costs, travel expenses, third party services fees and organizational expenses (collectively, “Additional Fees”), incurred by Finfini as a result of satisfying any custom requests submitted by Client in connection with this Agreement (“Custom Request(s)”), including but not limited to: (i) additional fees charged by a Financial Institution for accessing End User Data from that Financial Institution (including without limitation Financial Institution’s API fees); (ii) custom development; (iii) custom integration of the Developer Application with the RavenEye API; (iv) additional audits, certifications, tests; (v) onsite audits on Finfini’s premises by Client and/or Client’s designated representatives; (vi) trainings, workshops, meetings on Finfini’s or Client’s premises; and (vii) any other custom requests that are not expressly stipulated in this Agreement.

(b) Upon receiving a Custom Request, Finfini shall notify Client of the application of Additional Fees and provide, when possible, an estimate of the amount of such Additional Fees. Upon obtaining Client’s consent, Finfini shall proceed to the execution of such Custom Request. Finfini shall invoice Client for Additional Fees as incurred by providing receipts and/or other supporting documentation in conjunction with such invoice. Client shall pay such invoices for Additional Fees within thirty (30) calendar days of invoice date.

15.3. Invoices 

Invoices for the Services Fees will be generated automatically in Client’s account in the back-end gateway at the beginning of each month for the activity from the previous calendar month, and Client will be notified by email about any newly generated invoice. Client shall settle all invoices within thirty (30) calendar days of invoice date.

15.4. Payment 

Client shall pay any Fees due under this Agreement in U.S Dollars in full amount and at the times set forth in Section 15.3. In case of non-payment or late payment, Client shall be responsible for all costs incurred by Finfini for the collection of invoices, including but not limited to reasonable attorney’s charges, collection agency costs and all court costs or related fees. All payments shall be made to Finfini’s bank account, unless otherwise agreed upon between Finfini and Client.

15.5. Non-Payment 

If Client fails to make payment when due, Finfini reserves the right to suspend or terminate with notice:

i. all licenses granted to Client under this Agreement;

ii. Client’s access to and use of the API and RavenEye Services;

iii. all related Support Services; and

iv. this Agreement, which termination or suspension shall take effect immediately, and Client shall pay all outstanding amounts.

15.6. Overdue Payments 

Any payment not received from Client by the due date may accrue (except with respect to charges then under reasonable and good faith dispute), at Finfini’s discretion, late charges at the rate of one percent (1.0%) of the outstanding balance per month (12.68% per annum), or the maximum rate permitted by law, whichever is lower, from the date such payment was due until the date paid.

15.7. Taxes 

Amounts payable by Client under this Agreement are payable in full without offset or deduction for taxes (including any withholding tax) or customs duties. In addition, Client shall be responsible for and shall pay any taxes (including any sales, use, value-added and similar transaction taxes), however designated, levied or based, on amounts payable by Client hereunder.

15.8. Changes to Payment Terms and Fees 

Finfini reserves the right to modify in its sole discretion, at any time and from time to time, the payment terms and/or Fees for the Services by providing thirty (30) days’ prior written notice to Client. If Client does not agree to the modified payment terms and/or Fees, Client may terminate this Agreement effective at the end of the thirty (30)-day period and the provisions of Section 18.4 shall not apply.

16. Freedom to Operate

Subject to Client’s and Finfini’s respective rights and responsibilities under this Agreement, Finfini accepts that Client may use products and services that are akin to or otherwise compete with Finfini products and services, and Client accepts that Finfini may make available products and services that are akin to or otherwise may compete with Client’s products and services.

17. Anti-Bribery/Anti-Corruption

Client agrees to comply with the provisions of any applicable laws in place in the jurisdictions in which the Developer Application is disseminated, forbidding foreign corruption and unlawful payments. Without limiting the generality of the foregoing, Client asserts and warrants that it has not and shall not at any time during the Term of this Agreement pay, give, or offer or assure to give or pay, any money or any other thing of worth, directly or indirectly, to or for the gain of:

a. any public official, political body, or aspirant for political office; or

b. any other individual, company, corporation or other entity, while knowing that some or all of that funds or other thing of worth will be paid, given, offered, or pledged to a public official, political body or contender for a political office, for the aim of securing or keeping any corporates, or to gain any other inequitable merit.

Moreover, Client consents to keep complete and accurate books and records of any dealings connected to this Agreement. Finfini has the exclusive right to check Client’s books and records for conformity with this Section 17 and/or terminate this Agreement if Finfini has reasonable grounds to suspect or is duly informed that Client is in breach of this Section 17.

18. Term and Termination

18.1. Agreement Term 

This Agreement shall come into force when Client subscribes for the Services and shall continue and be effective until terminated by Finfini or Client (“Term”). Finfini or Client may terminate this Agreement for convenience at any time upon providing thirty (30) days’ prior written notice. If Client terminates this Agreement for convenience, the provisions of Section 18.4 shall apply.

18.2. Termination for Breach 

Finfini may in its sole discretion suspend, restrict or terminate the license granted to Client for using any or all of the API and RavenEye Services and terminate this Agreement effective immediately, with notice to Client, if:

a. Client violates any provision of this Agreement and fails to cure such violation within five (5) days after receiving notice from Finfini, if such violation is curable;

b. Client commits a material breach of this Agreement which cannot be remedied;

c. Client is repeatedly in breach of this Agreement and has been given prior written notice that a further breach of this Agreement will result in its termination;

d. Finfini determines that Client’s use of the API and RavenEye Services is prohibited by law or disruptive to, adversely impacts or causes malfunction to the API and/or RavenEye Services, Finfini’s network, or the use and enjoyment of others; or

e. Finfini determines or has reason to believe that Client is using the API and/or RavenEye Services in a way to harm or disrupt Finfini’s technical infrastructure or systems, including any automated uses that are abusive or disruptive or any uses that place an undue burden on the Finfini network.

Finfini in its sole discretion may refuse to accept Client’s request for re-subscription following a termination or suspension to Client’s use of the API and Finfini Services.

18.3. Termination by Finfini 

Finfini shall have the right to terminate this Agreement on provision of at least ten (10) days’ prior written notice to Client if Client fails for whatever reasons, including without limitation Client’s failure to comply with the terms and conditions set out in Section 7, to switch its Developer Application to live mode within three (3) months from the start date of the Term. Finfini shall have no responsibility or liability for any liabilities, losses, lost profits, potential lost business opportunities or damages that might arise in relation to Finfini’s termination of this Agreement under this Section 18.3.

18.4. Termination by Client 

Client acknowledges that the Fees for the Services provided under this Agreement are calculated on the basis of a one (1) year commitment. Accordingly, Client may terminate this Agreement at any time on provision of at least thirty (30) days’ prior written notice to Finfini. However, termination under this Section 18.4 is subject to Client’s payment of fifty percent (50%) of the total amount of the applicable Monthly Minimum Commitment Fee calculated for each of the remaining months until the end of the then applicable Agreement Year.

18.5. Suspension or Termination in Emergency 

Finfini shall have right to suspend or terminate this Agreement immediately in the event of an emergency, suspected fraud, enforcement by external authorities or regulatory requirement or on provision of at least ten (10) days’ prior written notice to Client of all other suspensions or terminations where practicable.

18.6. Effect of Termination

i. Any termination of this Agreement (howsoever occasioned) shall not affect any accrued rights or liabilities of Finfini and Client, nor shall it affect the coming into force or the continuance in force of any provision hereof which is expressly or by implication intended to come into or continue in force on or after such termination.

ii. Upon termination of this Agreement, Client must immediately cease using the API, API Data, and RavenEye Services.

iii. Upon termination of this Agreement, Client shall, at Finfini’s choice, return all Confidential Information in Client’s possession and/or contained in the Developer Application and any copies thereof or destroy or permanently delete all such Confidential Information and provide written certification of such destruction if so requested by Finfini.

iv. Client acknowledges that in the event of termination of this Agreement Sections 1 through 23 will survive and remain in effect and that the termination shall not affect Finfini’s rights to any payments due to Finfini.

19. Changes to the Agreement

Finfini reserves the right to change this Agreement at any time and from time to time by providing thirty (30) days’ prior written notice to Client. The new Agreement shall become effective once it is posted on the Website or upon notifying Client by other means (e.g., via notification sent to Client’s email or posted in Client’s account in the back-end gateway). 

Finfini may also, in its sole discretion and at any time, discontinue providing the Services or any parts of the Services with notice to Client. Client acknowledges and agrees that Client’s continued access to and use of the API and RavenEye Services after the date of changes to this Agreement or the Services indicate Client’s agreement to the changes. The date of last update of this Agreement is set out at the top of this document.

20. DISCLAIMER

EXCEPT AS SPECIFICALLY SET OUT IN THIS AGREEMENT, THE RAVENEYE API, RAVENEYE API DATA AND RAVENEYE SERVICES ARE PROVIDED “AS IS”, WITHOUT ANY REPRESENTATION AND/OR WARRANTY OF ANY KIND. FINFINI AND ITS LICENSORS AND SUPPLIERS MAKE NO OTHER REPRESENTATIONS AND GIVE NO OTHER WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE REGARDING THE RAVENEYE API, RAVENEYE API DATA, AND RAVENEYE SERVICES PROVIDED UNDER THIS AGREEMENT AND FINFINI SPECIFICALLY DISCLAIMS ANY AND ALL IMPLIED REPRESENTATIONS AND WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE, TITLE, MERCHANTABILTY, MERCHANTABLE QUALITY AND NON-INFRINGEMENT TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW. 

FINFINI DOES NOT WARRANT THAT THE RAVENEYE API, RAVENEYE API DATA, AND RAVENEYE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, COMPREHENSIVE, COMPLETE, ACCURATE AND UP-TO-DATE, OR THAT RAVENEYE API DATA IS OR WILL BE AVAILABLE ALL THE TIME WITHOUT INTERRUPTION. CLIENT EXPRESSLY ACKNOWLEDGES AND AGREES THAT CLIENT’S USE OF THE RAVENEYE API, RAVENEYE API DATA, AND RAVENEYE SERVICES, OR ANY DATA DERIVED THROUGH THE SERVICES IS AT CLIENT’S SOLE RISK. CLEINT IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO THE DEVELOPER APPLICATION, COMPUTER SYSTEMS OR OTHER DEVICES OR LOSS OF DATA THAT RESULT FROM CLIENT’S USE OF THE RAVENEYE API, RAVENEYE API DATA, AND RAVENEYE SERVICES.

ACCORDINGLY, THE REMEDIES EXPRESSLY SET FORTH IN THIS AGREEMENT ARE CLIENT’S SOLE AND EXCLUSIVE REMEDIES. FINFINI LIABILITY TO CLIENT OR TO ANY THIRD PARTY FOR ALL CLAIMS, REGARDLESS OF THE THEORY OF SUCH CLAIMS (CONTRACT, TORT, OR OTHERWISE) ARISING OUT OF THE AVAILABILITY, INTERRUPTION OR DELAY OF THE RAVENEYE API, RAVENEYE API DATA, AND RAVENEYE SERVICES SHALL BE FOR FINFINI TO USE COMMERCIALLY REASONABLE EFFORTS TO RESUME THE SERVICES AS PROMPTLY AS IS REASONABLY PRACTICABLE.

21. LIMITATION OF LIABILITY

21.1. LIMITATION ON INDIRECT LIABILITY 

FINFINI SHALL NOT BE RESPONSIBLE FOR ANY OTHER PERSON’S OR ENTITY’S ERRORS, ACTS, OMISSIONS, FAILURES TO ACT, NEGLIGENCE OR INTENTIONAL CONDUCT, INCLUDING WITHOUT LIMITATION ENTITIES SUCH AS FINFINI’S AFFILIATES, SUBSIDIARIES, AGENTS OR SUBCONTRACTORS. IN NO EVENT SHALL FINFINI BE LIABLE TO CLIENT FOR ANY CONSEQUENTIAL, INCIDENTAL, PUNITIVE OR SPECIAL DAMAGES WHICH CLIENT OR ITS END USERS, AFFILIATES, PARENT COMPANIES, ASSOCIATES, AGENTS, OFFICERS, DIRECTORS OR EMPLOYEES MAY INCUR OR SUFFER IN CONNECTION WITH THIS AGREEMENT, RESULTING FROM FINFINI’S ACTS OR OMISSIONS PURSUANT TO THIS AGREEMENT.

21.2. LIMITATION ON AMOUNT OF LIABILITY 

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINFINI’S AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THIS AGREEMENT SHALL NOT EXCEED THE EQUIVALENT OF THE FEES PAID BY CLIENT TO FINFINI IN THE PREVIOUS SIX (6) MONTHS PRECEDING THE CLAIM.

22. Developer Application Minimum End User Terms

Client must provide an End User License Agreement with any dissemination of the Developer Application that Client makes available to any End User. As a condition to using the Developer Application, Client must require End Users to accept the terms of its End User License Agreement which are no less protective of Finfini and its associates and suppliers than the terms of this Agreement and which also incorporate the terms as are set out at Developer Application Minimum End User Terms. 

Client and End User must acknowledge that the End User License Agreement is concluded between Client and End User only, and not with Finfini, and that Client, not Finfini, is solely responsible for the licensed Developer Application. The terms of the license granted to End User for the Developer Application must be limited to a non-transferable, limited, non-sublicensable license to use the Developer Application or any Developer Application service that Client makes available to any End User.

23. Finfini Startup Program

23.1. General Requirements 

If Client’s Developer Application qualifies as a startup, as determined by Finfini in its sole discretion, and has been enlisted in the Finfinin Startup Program as set out at https://www.finfini.com/products/RavenEye/startup_program, as the same may be amended from time to time by Finfini in its sole discretion, Client agrees to be bound by the following terms and conditions, which are in addition to the terms of this Agreement:

i. The Developer Application hasn’t been publicly released yet;

ii. Client’s participation in the Finfini Startup Program has to be mentioned in the Developer Application (e.g., “About” page);

iii. Client acknowledges and agrees that Finfini may use Client Marks as set forth in Section 10.6; and

iv. Client agrees to participate in case studies that Finfini may decide to conduct from time to time in connection with Client’s use of the API and RavenEye Services and/or Client’s participation in the Finfini Startup Program. 

Client acknowledges and agrees that Client shall not be entitled to receive any remuneration for its participation in such case studies. Finfini may freely use any feedback, suggestions, or ideas that Client may provide during such case studies (“Case Study Feedback”). Client hereby grants Finfini a perpetual, worldwide, fully transferable, sub-licensable, non-revocable, royalty-free license to use the Case Study Feedback that Client submits to Finfini. 

Finfini may put the Case Study Feedback in various uses, that may include but are not limited to modifying and improving the Services, Finfini’s other current and future services/products, services advertising and marketing materials. Finfini reserves the right to incorporate Client’s Case Study Feedback into the API and/or RavenEye Services and if so incorporated, the Case Study Feedback shall form part thereof and shall become Finfini’s intellectual property.

23.2. Finfini’s Discretion 

Client acknowledges and agrees that Finfini may, in its final discretion, deny participation of any Developer Application in the Finfini Startup Program for any reason, even if such Developer Application conforms to all of the terms and conditions offered herein. Finfini shall have no responsibility or liability for any liabilities, losses, lost profits, potential lost business opportunities or damages that might arise in relation to Finfini’s appraisal and rejection of any Developer Application from the Finfini Startup Program.

24. Contact Us

Any questions or concerns relating to this Agreement should be submitted to support@finfini.com.