Terms of Service

1. Agreement to these terms

These Terms of Service (the “Terms”) are a binding agreement between Telos, Inc. (“Telos,” “we,” “us”) and the organization that subscribes to or otherwise uses our platform (“Customer,” “you”). By accessing Telos, creating an account, or clicking to accept these Terms, you agree to be bound by them on behalf of your organization. If you do not have authority to bind your organization, do not use the platform.

2. What Telos provides

Telos gives accounting firms, fractional finance teams, lenders, and other institutions a live financial view of every business they serve, surfaces the accounts that need attention, and recommends the next action to take. The platform connects to your clients' accounting, banking, and payments systems to consolidate cash, runway, revenue, and risk signals into a single portfolio view.

Telos is a monitoring and workflow tool. It does not provide accounting, tax, legal, investment, or other professional advice, and it is not a bank, lender, or money transmitter. You remain responsible for the professional judgments and client decisions you make using the platform.

3. Accounts and eligibility

You must be a business or institution using Telos for professional purposes. You are responsible for the accuracy of your account information, for maintaining the confidentiality of your credentials, and for all activity that occurs under your organization's accounts. Notify us promptly at hello@gettelos.com if you suspect unauthorized access.

4. Client data and authorizations

When you connect a client business to Telos, you represent that you are authorized to access that business's financial data and to share it with us for the purpose of providing the service. You are responsible for maintaining the engagement or consent that permits this access, and for disconnecting a client when that authorization ends.

5. Acceptable use

You agree not to:

• Resell, sublicense, or provide the platform to third parties outside your organization without our consent.
• Reverse engineer, copy, or attempt to derive the source code or underlying models of the platform.
• Access data for any business you are not authorized to serve, or use the platform to make credit or eligibility decisions in a manner that violates applicable law.
• Interfere with, overload, or attempt to gain unauthorized access to the platform or its infrastructure.
• Use the platform to build a competing product or service.

6. Subscriptions and fees

Access to Telos is provided under the plan and pricing described in your order or subscription. Fees are billed in advance and are non-refundable except where required by law. We may revise pricing on renewal with advance notice. Unless stated otherwise, fees are exclusive of taxes, which you are responsible for.

7. Data ownership

As between the parties, you and your clients own all financial and business data you connect to or submit through the platform (“Customer Data”). You grant Telos a limited license to process Customer Data solely to operate, maintain, secure, and improve the service for you, and to produce aggregated, de-identified insights that do not identify you or any individual business. How we handle this data is described in our Data & Security commitments.

8. Confidentiality

Each party may access confidential information of the other. Both parties agree to protect the other's confidential information with reasonable care and to use it only as needed to perform under these Terms.

9. Service availability

We work to keep Telos available and reliable, but the platform is provided on an “as is” and “as available” basis. We do not warrant that the service will be uninterrupted or error free, or that the insights and recommendations it surfaces will be complete or accurate for every situation.

10. Limitation of liability

To the maximum extent permitted by law, neither party will be liable for indirect, incidental, special, or consequential damages, or for lost profits or revenue. Our total liability arising out of or related to these Terms will not exceed the fees you paid to Telos in the twelve months before the event giving rise to the claim.

11. Term and termination

These Terms apply for as long as you use the platform. Either party may end the engagement with reasonable notice as described in your order, or immediately if the other party materially breaches these Terms and fails to cure within thirty days. On termination, your right to access the platform ends, and we will make Customer Data available for export for a limited period before deletion in line with our Data & Security practices.

12. Changes to these terms

We may update these Terms from time to time. If we make material changes, we will notify you through the platform or by email before they take effect. Your continued use of Telos after an update means you accept the revised Terms.

13. Contact

Questions about these Terms can be sent to hello@gettelos.com.