Finch Terms of Service

Last Updated: 06/21/2026

These Terms of Service ("Terms") govern Customer's use of the Finch platform and are incorporated by reference into each Order Form executed between Customer and Finch Software, Inc. ("Finch"). By signing an Order Form, Customer agrees to these Terms.

1. Definitions

"Authorized User" means any individual authorized by Customer to access the Service, including Licensed Users and Admin Users.

"Licensed User Seat" means any adjuster, executive, or claims professional designated by Customer as a paid user of the Service, as specified in the Order Form.

"Admin User" means administrative, support, or clerical staff who access the Service at no additional charge.

"Claim Graph" means the structured representation of claims data generated by the Service from Customer's email correspondence and documents.

"Customer Data" means all data, content, and information provided by or on behalf of Customer through the Service, including email correspondence, documents, attachments, and claims information.

"Service" means the Finch claims intelligence platform, including email ingestion, document processing, AI-powered claims structuring, and the claims dashboard.

"Order Form" means the signed order form specifying Customer's subscription details, including seat counts, fees, trial period, and conversion date.

"Trial Period" means the complimentary evaluation period specified in the Order Form, during which Customer may use the Service at no charge.

2. Service Description

2.1 The Service. Finch provides a claims intelligence platform that connects to Customer's designated email accounts, identifies claims-related correspondence, and structures that information into an organized claims dashboard. The Service includes:

• Email ingestion and claims identification

• Document intelligence (policy parsing, estimate comparison, invoice extraction)

• AI-powered claims structuring (the Claim Graph)

• Claims dashboard with SLA tracking and workflow automation

• Playbook-driven automation for common claims workflows

2.2 Service Availability. Finch shall use commercially reasonable efforts to maintain Service availability of 99.5% measured monthly, excluding scheduled maintenance. Finch will provide reasonable advance notice of scheduled maintenance.

2.3 Support. Finch provides email-based support during business hours (9 AM-6 PM ET, Monday-Friday). Response times: critical issues within 4 hours, standard issues within 1 business day.

3. Trial Period & Subscription Conversion

3.1 Trial Period. If the Order Form includes a Trial Period, the Service is provided at no charge during that period. The Trial Period begins on the date Finch connects to Customer's designated email accounts and continues for the number of days specified in the Order Form.

3.2 Automatic Conversion. Unless Customer cancels in writing (email to cancel@finchclaims.com) before the end of the Trial Period, the subscription automatically converts to a paid monthly plan at the rate specified in the Order Form. Finch will send reminders at 9 days and 2 days before the conversion date.

3.3 Trial Cancellation. Customer may cancel at any time during the Trial Period by emailing cancel@finchclaims.com. Upon cancellation, Finch will disconnect from Customer's email accounts within one (1) business day. Customer owes nothing.

3.4 Trial Scope. During the Trial Period, the number of Licensed User Seats and connected mailboxes is limited to the Trial Period seat count specified in the Order Form. Upon conversion, Customer may designate additional mailboxes up to the Paid Subscription seat count.

3.5 No Data Export During Trial. Data processed during the Trial Period is not available for export. If Customer converts, all trial data carries over seamlessly into the paid account.

4. Confidentiality

4.1 Definition. "Confidential Information" means any non-public information disclosed by either Party to the other, including business information, technical data, claims data, customer lists, product information, and the terms of each Order Form.

4.2 Obligations. Each Party agrees to: (a) hold the other Party's Confidential Information in strict confidence; (b) not disclose it to any third party without prior written consent; (c) use it only for purposes of the applicable Order Form and these Terms; and (d) protect it with at least the same degree of care as it protects its own confidential information.

4.3 Exclusions. Confidential Information does not include information that: (a) is or becomes publicly available through no fault of the receiving Party; (b) was known to the receiving Party prior to disclosure; (c) is independently developed; or (d) is required to be disclosed by law with prompt notice.

4.4 Duration. Confidentiality obligations survive for three (3) years after termination of any Order Form.

5. Email Access Authorization

5.1 Authorization. By checking the email authorization box on the Order Form, Customer authorizes Finch to connect to Customer's designated email accounts via secure API integration for the purpose of providing the Service.

5.2 Scope of Access. Finch accesses messages in the connected mailbox to identify claims-related correspondence, and retains, stores, and processes only that claims-related correspondence and its attachments. Personal messages, newsletters, and other non-claim content are not retained or used, and are discarded after identification.

5.3 Mailbox Designation. Customer is responsible for designating which mailboxes Finch connects to. Customer may add or remove mailboxes at any time by notifying Finch in writing.

5.4 Access Revocation. Customer may revoke access to any or all mailboxes at any time. Finch will disconnect within one (1) business day of receiving written notice.

6. AI Use & Data Processing

6.1 AI Processing. The Service uses artificial intelligence and machine learning to: (a) identify and categorize claim communications; (b) extract structured data from emails, documents, and attachments; (c) generate the Claim Graph; and (d) automate workflow actions based on claims data.

6.2 No Decision-Making. Finch's AI organizes and structures claims data. It does not make coverage determinations, settlement recommendations, or claims-handling decisions. All business and professional decisions remain with Customer.

6.3 Data Security. All Customer Data is: (a) encrypted in transit (TLS 1.2+) and at rest (AES-256); (b) stored in isolated environments on Amazon Web Services (AWS) infrastructure; (c) accessible only to Authorized Users and Finch personnel with Customer's explicit permission, with all access logged.

6.4 No Training on Customer Data. Finch does not use Customer's identifiable claims data to train machine learning models. Finch may use anonymized, aggregate patterns to improve the Service, but Customer's data is never identifiable in that process.

6.5 Google API Limited Use. To the extent the Service accesses Google user data via Google APIs, Finch's use and transfer of that data adheres to the Google API Services User Data Policy, including the Limited Use requirements.

7. Data Ownership & Intellectual Property

7.1 Customer Data. Customer retains all right, title, and interest in Customer Data. Finch acquires no ownership rights in Customer Data.

7.2 Structured Output. Customer owns the structured output (including the Claim Graph) derived from Customer Data. Finch retains all rights to the algorithms, models, and methods used to generate such output.

7.3 Finch IP. Finch retains all right, title, and interest in the Service, including all software, algorithms, models, interfaces, and documentation. Nothing in these Terms grants Customer any rights in Finch's intellectual property except the limited right to use the Service during the subscription term.

7.4 Aggregate Data. Finch may use de-identified, aggregated data derived from Customer's use of the Service to improve the Service, provided such data cannot reasonably identify Customer or any individual.

8. Fees & Payment

8.1 Fees. Customer shall pay the fees specified in the Order Form. Licensed User Seats are billed at the rate specified. Admin Users access the Service at no additional charge.

8.2 Billing. Fees are invoiced monthly in advance, beginning on the subscription conversion date specified in the Order Form.

8.3 Payment Terms. Payment is due within thirty (30) days of invoice date. Late payments accrue interest at the lesser of 1.5% per month or the maximum rate permitted by law.

8.4 Seat Changes. Customer may add Licensed User Seats at any time by written notice at the per-seat rate in the Order Form. Added seats are billed pro-rata for the remaining billing period. Seat reductions take effect at the next billing period.

8.5 Annual Option. If Customer elects an annual commitment, a 10% discount applies to the monthly per-seat rate. Annual terms are billed quarterly in advance.

8.6 Price Adjustments. Finch may adjust pricing at renewal with at least sixty (60) days written notice.

9. Term, Renewal & Cancellation

9.1 Subscription Term. The subscription begins on the conversion date specified in the Order Form and continues on a month-to-month basis unless an annual term is elected.

9.2 Monthly Renewal. Month-to-month subscriptions renew automatically. Either Party may cancel with at least thirty (30) days written notice.

9.3 Annual Renewal. Annual subscriptions renew automatically for successive one-year periods unless either Party provides at least ninety (90) days written notice prior to the end of the then-current term.

10. Termination

10.1 Termination for Cause. Either Party may terminate upon thirty (30) days written notice if the other Party materially breaches and fails to cure within the notice period.

10.2 Effect of Termination. Upon termination: (a) Customer's access to the Service will be suspended; (b) Finch will make Customer Data available for export for thirty (30) days; (c) after the export period, Finch will permanently delete Customer Data and provide written confirmation upon request; (d) Customer shall pay all fees accrued through the termination date.

10.3 Survival. Sections 4, 7, 8 (for accrued fees), 11, and 12 survive termination.

11. Warranties & Disclaimers

11.1 Mutual Warranties. Each Party represents that: (a) it has authority to enter into these Terms; (b) its performance will not violate any applicable law or third-party agreement.

11.2 Finch Warranties. Finch warrants that: (a) the Service will perform materially in accordance with its documentation; (b) it will maintain commercially reasonable security measures; (c) it will comply with applicable data protection laws.

11.3 Customer Warranties. Customer warrants that: (a) it has authority to grant Finch access to designated email accounts; (b) it will use the Service in compliance with applicable laws; (c) it will maintain appropriate access controls for Authorized Users.

11.4 Disclaimer. EXCEPT AS EXPRESSLY SET FORTH HEREIN, FINCH MAKES NO WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE.

12. Limitation of Liability

12.1 Exclusion. NEITHER PARTY SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS OR LOST DATA.

12.2 Cap. EACH PARTY'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL FEES PAID OR PAYABLE BY CUSTOMER DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.

12.3 Exceptions. These limitations do not apply to: (a) breach of confidentiality obligations; (b) indemnification obligations; or (c) Customer's payment obligations.

13. General Terms

13.1 Governing Law. These Terms are governed by the laws of the State of Delaware.

13.2 Dispute Resolution. Disputes shall be resolved by binding arbitration under the American Arbitration Association rules.

13.3 Force Majeure. Neither Party is liable for delays caused by events beyond reasonable control.

13.4 Assignment. Neither Party may assign without prior written consent, except in connection with a merger, acquisition, or sale of substantially all assets.

13.5 Entire Agreement. These Terms, together with the applicable Order Form and the Data Processing Addendum, constitute the entire agreement. If Customer previously entered into an Evaluation Agreement or other agreement with Finch, these Terms supersede that agreement upon execution of an Order Form.

13.6 Amendments. These Terms may be updated by Finch with 30 days notice. Material changes will be communicated in writing.

Data Processing Addendum

This Data Processing Addendum ("DPA") supplements the Finch Terms of Service and governs Finch's processing of Customer Data.

1. Scope & Roles

1.1 This DPA applies to all processing of Customer Data by Finch in connection with the Service.

1.2 Roles. Customer is the data controller. Finch is the data processor. Finch processes Customer Data only as necessary to provide the Service and as instructed by Customer.

2. Data Processing Details

Categories of Data: Claims correspondence (emails, attachments), policyholder information, claim details, coverage information, estimates, invoices, proof of loss documents

Data Subjects: Customer's clients (policyholders, claimants), counterparties (carriers, contractors, other adjusters), Customer's employees

Processing Purpose: Providing the Service: email ingestion, claims identification, document extraction, Claim Graph generation, workflow automation

Processing Duration: For the subscription term plus the post-termination export period (30 days)

Data Location: United States (AWS US regions)

3. Sub-Processors

3.1 Customer authorizes Finch to engage the following sub-processors:

Sub-Processor: Amazon Web Services (AWS)

Purpose: Cloud infrastructure, data storage, compute

Location: United States

Sub-Processor: Google LLC (Gemini API)

Purpose: AI processing of email/document content for classification and extraction

Location: United States

3.2 Finch maintains a current list of sub-processors at finchclaims.com/subprocessors. Finch will notify Customer at least thirty (30) days before adding a new sub-processor. Customer may object in writing within fifteen (15) days. If the objection is not resolved, Customer may terminate.

4. Security Measures

4.1 Finch implements and maintains the following security measures:

• Encryption in transit (TLS 1.2+) and at rest (AES-256)

• Tenant isolation -- Customer data is logically separated from other customers

• Role-based access controls for all personnel

• Access logging and monitoring

• Regular security assessments and vulnerability scanning

• Employee security training

• Incident response procedures

4.2 SOC 2. Finch is pursuing SOC 2 Type II certification. Upon completion, the report will be available to Customer upon request under NDA.

5. Data Breach Notification

5.1 Finch will notify Customer of any confirmed data breach affecting Customer Data within seventy-two (72) hours of confirmation, or sooner if required by applicable law.

5.2 Notification will include: (a) nature of the breach; (b) categories and approximate number of records affected; (c) likely consequences; (d) measures taken to address and mitigate.

6. Data Subject Rights

6.1 Finch will reasonably assist Customer in responding to data subject requests (access, deletion, correction, portability) to the extent Finch's systems allow.

7. Audit Rights

7.1 Customer may request evidence of compliance once per year. Finch will satisfy this by providing: (a) its SOC 2 report (when available); (b) responses to a reasonable security questionnaire; or (c) a third-party audit report.

8. Data Deletion

8.1 Upon termination: (a) Finch will make Customer Data available for export for thirty (30) days; (b) permanently delete all Customer Data within ninety (90) days of the export period; (c) provide written certification of deletion upon request.

8.2 Finch may retain anonymized, aggregate data that cannot reasonably identify Customer or any individual.