Service Terms and Conditions


Last Updated: February 12, 2021

The Service Terms below govern your use of the Services. Capitalized terms used in these Service Terms but not defined below are defined in the FatBrain Master Services Agreement, SOW or other agreement with us governing your use of the Services (the “Agreement”). For purposes of these Service Terms, “Your Content” includes any “Company Content” and any “Customer Content,” and “FatBrain Content” includes “FatBrain Properties.”

1. Universal Service Terms (Applicable to All Services)

1.1. You may not transfer outside the Services any software (including related documentation) you obtain from us or third-party licensors in connection with the Services without specific authorization to do so.

1.2. You must comply with current technical documentation applicable to the Services (including applicable developer guides) posted on the FatBrain Site.

1.3. You will provide information or other materials related to Your Content (including copies of any client-side applications) as reasonably requested by us to verify your compliance with the Agreement. You will reasonably cooperate with us to identify the source of any problem with the Services that we reasonably believe may be attributable to Your Content or any end user materials that you control.

1.4. In connection with your use of the Services, you are responsible for maintaining licenses and adhering to the license terms of any software you run. If we reasonably believe any of Your Content violates the law, infringes or misappropriates the rights of any third party, or otherwise violates a material term of the Agreement (including the documentation, the Service Terms, or the Acceptable Use Policy) (“Prohibited Content”), we will notify you of the Prohibited Content and may request that such content be removed from the Services or access to it be disabled. If you do not remove or disable access to the Prohibited Content within 2 business days of our notice, we may remove or disable access to the Prohibited Content or suspend the Services to the extent we are not able to remove or disable access to the Prohibited Content. The foregoing notwithstanding, we may remove or disable access to any Prohibited Content without prior notice in connection with illegal content, where the content may disrupt or threaten the Services or in accordance with applicable law or any judicial, regulatory or other governmental order or request. In the event that we remove Your Content without prior notice, we will provide prompt notice to you unless prohibited by law. We terminate the accounts of repeat infringers in appropriate circumstances.

1.5. You will ensure that all information you provide to us via the FatBrain Site (e.g., information provided in connection with your registration for the Services, requests for increased usage limits) is accurate, complete, and not misleading.

1.6. From time to time, we may apply upgrades, patches, bug fixes, or other maintenance to the Services and FatBrain Content (“Maintenance”). We agree to use reasonable efforts to provide you with prior notice of any scheduled Maintenance (except for emergency Maintenance), and you agree to use reasonable efforts to comply with any Maintenance requirements that we notify you about.

1.7. If your Agreement does not include a provision on FatBrain Confidential Information, and you and FatBrain do not have an effective non-disclosure agreement in place, then you agree that you will not disclose FatBrain Confidential Information (as defined in the FatBrain MSA, SOW or related Customer Agreement), except as required by law.

1.8. You may perform benchmarks or comparative tests or evaluations (each, a “Benchmark”) of the Services. If you perform or disclose, or direct or permit any third party to perform or disclose, any Benchmark of any of the Services, you (i) will include in any disclosure, and will disclose to us, all information necessary to replicate such Benchmark, and (ii) agree that we may perform and disclose the results of Benchmarks of your products or services, irrespective of any restrictions on Benchmarks in the terms governing your products or services.

1.9. Only the applicable FatBrain Contracting Party (as defined in the FatBrain MSA, SOW or related Customer Agreement) will have obligations with respect to each FatBrain account, and no other FatBrain Contracting Party has any obligation with respect to such account. The FatBrain Contracting Party for an account may change as described in the Agreement. Invoices for each account will reflect the FatBrain Contracting Party that is responsible for that account during the applicable billing period.  If, as of the time of a change of the FatBrain Contracting Party responsible for your account, you have made an up-front payment for any Services under such account, then the FatBrain Contracting Party you paid such up-front payment to may remain the FatBrain Contracting Party for the applicable account only with respect to the Services related to such up-front payment.

1.10. When you use a Service, you may be able to use or be required to use one or more other Services (each, an “Associated Service”), and when you use an Associated Service, you are subject to the terms and fees that apply to that Associated Service.

1.11. If you process the personal data of End Users or other identifiable individuals in your use of a Service, you are responsible for providing legally adequate privacy notices and obtaining necessary consents for the processing of such data. You represent to us that you have provided all necessary privacy notices and obtained all necessary consents. You are responsible for processing such data in accordance with applicable law.

1.12. If you have been charged for a Service for a period when that Service was unavailable (as defined in the applicable Service Level Agreement for each Service per your MSA or related SOW), you may request a Service credit equal to any charged amounts for such period.

1.13. If you are a customer that is subject to the French Politique générale de sécurité des systems d’information de santé (PGSSI-S), you agree that your use of the Services complies with the PGSSI-S.

1.14. Data Protection.

1.14.1 These Service Terms incorporate the FatBrain GDPR Data Processing Addendum (“DPA”), when the GDPR applies to your use of the FatBrain Services to process Customer Data (as defined in the DPA). The DPA is effective as of 25 May 2018 and replaces and supersedes any previously agreed data processing addendum between you and FatBrain relating to the Directive 95/46/EC.

1.14.2 These Service Terms incorporate the FatBrain Supplementary Addendum to the DPA, when the GDPR applies to your use of the FatBrain Services to process Customer Data.

1.14.3 These Service Terms incorporate the FatBrain CCPA Terms (“CCPA Terms”), when the CCPA applies to your use of the FatBrain Services to process Personal Information (as defined in the CCPA Terms).

1.15. Following closure of your FatBrain account, we will delete Your Content in accordance with the Documentation.

1.16. Your receipt and use of any Promotional Credits is subject to the FatBrain Promotional Credit Terms & Conditions.

1.17. Payment Currency

1.17.1 FatBrain provides a Service that enables payment in certain currencies (“Payment Currency”) other than United States dollars when you purchase certain Services from FatBrain (the “Currency Service”). When you purchase Services in certain countries outside of the United States, we may require you, because of currency controls or other factors, to use the Currency Service. When using the Currency Service you are not tendering payment in one currency and receiving from us another currency.

1.17.2 When you use the Currency Service, Service fees and charges will automatically be invoiced in the Payment Currency. You must pay invoices in the currency specified on each invoice, but, for credit card or debit card purchases, you may only make payments in currencies supported by the issuer of your card. If the issuer of your credit card or debit card does not support the required Payment Currency, you must use a different payment method that does support paying in the Payment Currency.

1.17.3 Our fees and charges for your use of the Currency Service, if any, are included in the exchange rate applied to your invoice (the “Applicable Exchange Rate”). Third-parties, such as your bank, credit card issuer, debit card issuer, or card network, may charge you additional fees. The Applicable Exchange Rate is determined at the time your invoice is generated and, for invoices covering usage of Services over a period of time, will apply to all usage and Service charges listed on that invoice.

1.17.4 All refunds processed against an invoice will be provided in the currency in which the invoice was generated and reflected as a credit memo or a payment in your Payment Currency.

1.17.5 You agree that by using the Currency Service, information related to your payment, including your name and address, may be used by our banking partners to process your payments in jurisdictions other than the United States.

2. Betas and Previews

2.1. This Section describes the additional terms and conditions under which you may (a) access and use certain features, technologies, and services made available to you by FatBrain that are not yet generally available, including, but not limited to, any products, services, or features labeled “beta”, “preview”, “pre-release”, or “experimental”, and any related FatBrain Content (each, a “Beta Service”) or (b) access and use Services and any related FatBrain Content available in FatBrain regions that are not generally available, including, but not limited to, any FatBrain regions identified by FatBrain as “beta”, “preview”, “pre-release”, or “experimental” (each, a “Beta Region”).

2.2. You must comply with all terms related to any Beta Service or Beta Region as posted on the FatBrain Site or otherwise made available to you. FatBrain may add or modify terms, including lowering or raising any usage limits, related to access to or use of any Beta Services or Beta Regions at any time. Service Level Agreements do not apply to Beta Services or Beta Regions.

2.3. You may provide FatBrain with information relating to your access, use, testing, or evaluation of Beta Services or Beta Regions, including observations or information regarding the performance, features, and functionality of Beta Services or Beta Regions (“Test Observations”). FatBrain will own and may use and evaluate all Test Observations for its own purposes. You will not use any Test Observations except for your internal evaluation purposes of any Beta Service or Beta Region.

2.4. FatBrain may suspend or terminate your access to or use of any Beta Service or Beta Region at any time. Your access to and use of each Beta Service and Beta Region will automatically terminate upon the release of a generally available version of the applicable Beta Service or Beta Region or upon notice of termination by FatBrain. Notwithstanding anything to the contrary in the Agreement, after suspension or termination of your access to or use of any Beta Service or Beta Region for any reason, (a) you will not have any further right to access or use the applicable Beta Service or Beta Region, and (b) Your Content used in the applicable Beta Service or Beta Region may be deleted or inaccessible.

2.5. Test Observations, Suggestions concerning a Beta Service or Beta Region, and any other information about or involving (including the existence of) any Beta Service or Beta Region are considered FatBrain Confidential Information.

2.6. WITHOUT LIMITING ANY DISCLAIMERS IN THE AGREEMENT OR THE SERVICE TERMS, BETA SERVICES AND BETA REGIONS ARE NOT READY FOR GENERAL COMMERCIAL RELEASE AND MAY CONTAIN BUGS, ERRORS, DEFECTS, OR HARMFUL COMPONENTS. ACCORDINGLY, AND NOTWITHSTANDING ANYTHING TO THE CONTRARY IN THE AGREEMENT OR THESE SERVICES TERMS, FatBrain IS PROVIDING BETA SERVICES AND BETA REGIONS TO YOU “AS IS.” FatBrain AND ITS AFFILIATES AND LICENSORS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE REGARDING BETA SERVICES AND BETA REGIONS, INCLUDING ANY WARRANTY THAT THE BETA SERVICES AND BETA REGIONS WILL BECOME GENERALLY AVAILABLE, BE UNINTERRUPTED, ERROR FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY CONTENT, INCLUDING YOUR CONTENT, WILL BE SECURE OR NOT OTHERWISE LOST OR DAMAGED. EXCEPT TO THE EXTENT PROHIBITED BY LAW, FatBrain AND ITS AFFILIATES AND LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, SATISFACTORY QUALITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF ANY COURSE OF DEALING OR USAGE OF TRADE. FATBRAIN’S AND ITS AFFILIATES’ AND LICENSORS’ AGGREGATE LIABILITY FOR ANY BETA SERVICES AND BETA REGIONS WILL BE LIMITED TO THE AMOUNT YOU ACTUALLY PAY US UNDER THIS AGREEMENT FOR THE SERVICES THAT GAVE RISE TO THE CLAIM DURING THE 12 MONTHS PRECEDING THE CLAIM.

3. Enterprise AI Services

3.1 “Enterprise AI Services” means, collectively, FatBrain Agatha Document Intelligence, Alice MicroRL Decision Making, FatBrain Cagney AML, Fraud and Alert Intelligence, FatBrain Ness AML, Fraud and Alert controls, FatBrain Jackie Customer VIP Intelligence, FatBrain Frankie, Flora, Frida Dynamic Shock exploration and exploitation, FatBrain Rosie Data Quality Intelligence, FatBrain Stella Credit Ratings and Underwriting Intelligence. “Enterprise AI Content” means Your Content that is processed by an Enterprise AI Service.

3.2 Enterprise AI Services use AI-automation and machine learning models, including FatBrain pre-trained models (together “machine learning models”), that generate predictions based on learned structure and patterns in data. Output generated by such machine learning models is probabilistic and should be evaluated for accuracy, as appropriate for your use case, including by employing human review of such output, comprising ROC-AUC out of sample (“OOS”) and out of time (“OOT”) performance. Output provided by FatBrain machine learning models should be used to compliment and integrate with – not as a “rip-and-replace” substitute for – all regular, scheduled automated decision making. You and your End Users are responsible for all decisions made, advice given, actions taken, and failures to take action based on your use of FatBrain Enterprise AI Services.

3.3 You are responsible for providing legally adequate privacy notices to End Users of your products or services that use any Enterprise AI Service and obtaining any necessary consent from such End Users for the processing of Enterprise AI Content and the storage, use, and transfer of Enterprise AI Content as described under this Section. You will not, and will not allow any third-party to, use Enterprise AI Services to, directly or indirectly, develop or improve a similar or competing product or service as a derivative work. Enterprise AI Services are not intended for use in, or in association with, the operation of any hazardous environments or critical systems that may lead to serious bodily injury or death or cause environmental or property damage, and you are solely responsible for liability that may arise in connection with any such use.

3.4 Notwithstanding any other provision of the Agreement, you may incorporate into your programs or applications, and distribute as incorporated in such programs or applications, the binary code that we distribute for Enterprise AI Services as specified by your MSA or related SOW.