These Terms of Service govern your access to and use of the Picasso ai platform operated by Denbigh Partners LLC ("Company," "we," "us," or "our"). By accessing or using the Services, you agree to be bound by these Terms.
By creating an account or using the Services, you represent that you are at least 18 years old, have the authority to bind yourself or your business entity, and agree to these Terms and our Privacy Policy. If you do not agree, do not use the Services.
Picasso ai is an AI-powered financial insights platform designed for small and medium-sized businesses. The Services provide financial analysis, reporting, forecasting, and strategic recommendations by connecting to your business data through authorized third-party integrations. Picasso ai does not provide financial, legal, tax, or investment advice. All insights are analytical in nature and intended to inform your business decisions, not replace professional advisory services.
To use the Services, you must create an account and provide accurate, complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access.
Access to the Services requires a paid subscription. By subscribing, you agree to pay all fees associated with your selected plan, automatic renewal unless you cancel before the renewal date, and payment processing through Stripe subject to Stripe's terms of service. We may modify pricing with at least 30 days' notice before your next billing cycle.
We may offer a free trial period for new users. At the end of the trial, you must subscribe to continue using the Services. We reserve the right to modify or discontinue trial offerings at any time.
The Services connect to third-party platforms including Shopify, QuickBooks Online, Plaid, Toast, Square, and others. By authorizing these connections, you grant us permission to access and retrieve data from these platforms on your behalf, and acknowledge that your use of these platforms is governed by their respective terms of service. You may disconnect any integration at any time through your account settings.
You retain full ownership of your business data. We do not claim any ownership rights over the data you provide or that is collected through your authorized integrations. You grant us a limited license to use your data solely to provide, improve, and support the Services.
You agree not to use the Services for any unlawful purpose, attempt to gain unauthorized access to any part of the Services, reverse engineer or decompile any part of the Services, share your account credentials with unauthorized individuals, use the Services to develop a competing product, or upload or transmit malicious code.
The Services, including all software, design, text, graphics, and other content, are owned by Denbigh Partners LLC and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Services without our prior written consent.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, DENBIGH PARTNERS LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR BUSINESS OPPORTUNITIES, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. AI-GENERATED INSIGHTS ARE PROVIDED FOR INFORMATIONAL PURPOSES AND MAY CONTAIN ERRORS OR INACCURACIES.
Either party may terminate these Terms at any time. You may cancel your subscription through your account settings. We may suspend or terminate your access if you violate these Terms or for any other reason with reasonable notice. Upon termination, your right to use the Services will cease immediately and we will handle your data in accordance with our Privacy Policy.
These Terms are governed by the laws of the State of South Carolina, without regard to conflict of law principles. Any disputes shall be resolved by binding arbitration in Charleston, South Carolina, in accordance with the rules of the American Arbitration Association.
YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.
We may update these Terms from time to time. When we make material changes, we will notify you by updating the effective date and providing notice through the Services or via email. Your continued use after changes constitutes acceptance.
Denbigh Partners LLC
Charleston, South Carolina
legal@denbighpartners.com
This End User License Agreement ("Agreement") is a legally binding contract between you ("User") and Denbigh Partners LLC ("Company") governing your use of the Picasso ai software application and platform. By accessing or using the Services, you agree to be bound by this Agreement.
Subject to the terms of this Agreement and payment of all applicable fees, Company grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Picasso ai platform solely for your internal business purposes.
You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the Services; reverse engineer, decompile, or disassemble any part of the Services; use the Services to develop a competing product or service; remove or alter any proprietary notices or labels; share your account credentials or allow unauthorized access; or use automated means to access the Services except through our authorized APIs.
The Services allow you to connect third-party accounts including bank accounts via Plaid, accounting software via QuickBooks Online, and point-of-sale platforms such as Shopify, Toast, Square, Open Dental, and Mindbody. By connecting these accounts, you authorize us to access and retrieve your data as necessary to provide the Services. Your use of Plaid is subject to the Plaid End User Privacy Policy.
Access to the Services requires a paid subscription. Current pricing is available on our website. Payments are processed through Stripe Inc. Subscriptions renew automatically unless cancelled before the renewal date. Fees are generally non-refundable except as required by applicable law.
The Services and all associated software, algorithms, AI models, designs, and content are owned by Denbigh Partners LLC and protected by intellectual property laws. This Agreement does not transfer any ownership rights to you. You retain all ownership rights to the financial data and business information you provide. If you provide feedback or suggestions, you grant Company a perpetual, irrevocable, royalty-free license to incorporate such feedback without obligation to you.
Picasso ai uses artificial intelligence to analyze financial data and generate insights. AI-generated outputs are analytical tools intended to assist your decision-making, not replace professional judgment. Outputs do not constitute financial, legal, tax, investment, or accounting advice. You are solely responsible for all business and financial decisions you make, whether or not informed by the Services.
Our collection, use, and sharing of your personal information is governed by our Privacy Policy. We do not sell your personal information or financial data. Your data is encrypted in transit (TLS) and at rest (AES-256). Multi-tenant isolation ensures your data is logically separated from other users.
We strive to maintain high availability but do not guarantee uninterrupted access. We reserve the right to modify, update, or discontinue any feature at any time with reasonable notice of material changes. The Services depend on third-party platforms including Plaid and Intuit; we are not responsible for outages or changes to those services.
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL DENBIGH PARTNERS LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM. YOU EXPRESSLY ACKNOWLEDGE THAT FINANCIAL DECISIONS MADE BASED ON AI-GENERATED OUTPUTS ARE MADE AT YOUR OWN RISK.
You agree to indemnify, defend, and hold harmless Denbigh Partners LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of your use of the Services, your violation of this Agreement, or any business decisions made based on information provided through the Services.
You may terminate this Agreement by cancelling your subscription. We may suspend or terminate your access immediately if you breach this Agreement or engage in fraudulent or illegal activity, or with 30 days' notice for any other reason. Upon termination, we will revoke all third-party access tokens and delete your data in accordance with our Privacy Policy. Sections 5, 6, 9, 10, 11, 13, and 14 survive termination.
This Agreement is governed by the laws of the State of South Carolina. Before filing any formal legal proceeding, you agree to attempt informal resolution by contacting us at legal@denbighpartners.com. Any unresolved dispute shall be settled by binding arbitration in Charleston, South Carolina, under AAA rules.
YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.
This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and Company regarding the Services. We may update this Agreement from time to time with notice. If any provision is found unenforceable, the remaining provisions continue in full force. We shall not be liable for failures due to events beyond our reasonable control, including natural disasters, acts of government, or third-party service disruptions.
Denbigh Partners LLC
Charleston, South Carolina
legal@denbighpartners.com