Terms of Service

The service is provided by Conto Finance, Inc., a Delaware corporation ("Conto," "we," "us," "our"). By creating an account, accessing the Conto dashboard, installing or using our software packages, or otherwise using the service, you agree to these Terms of Service on behalf of yourself and, where applicable, the organization you represent. If you accept these terms on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to that organization.

If you do not agree to these terms, do not use the service. Your use of the service is also subject to our Privacy Policy.

Conto is a business-to-business platform for controlling payments made by AI agents. Organizations register with Conto, define spend policies (limits, approvals, category and counterparty rules), and connect agents that initiate transactions subject to those policies. The service includes a web dashboard, a REST API, software development kits and command-line tools, a Model Context Protocol (MCP) server, webhooks, audit logs, and related documentation.

Conto is a policy and governance layer for AI-agent payments. Conto is not a bank, a money transmitter, a money services business, a virtual asset service provider, a custodian, a card issuer, or a payment network. We do not move customer funds on our own account, we do not hold customer fiat, and we do not hold customer wallet private keys. When you or your agents hold the wallet keys, custody is your responsibility. When you choose a custody mode that involves a third-party wallet provider, custody and the corresponding regulatory obligations belong to that provider and to you, not to Conto. Payment execution, card processing, and settlement are performed by third-party providers as described in Section 11.

The service is intended for business use. You must be at least 18 years old and able to form a binding contract to use the service.

• You must provide accurate, current, and complete information when registering and keep it up to date.
• You must not be located in, organized under the laws of, or ordinarily resident in a country or region subject to a comprehensive United States embargo, and you must not be listed on any United States government denied-party or sanctions list.
• You are responsible for safeguarding your credentials, API keys, and agent tokens, and for all activity that occurs under your account and organization, including activity by your team members and by agents you connect.
• We offer multi-factor authentication and strongly recommend that you enable it. We may require it for certain features or account types.
• Notify us promptly at support@conto.finance if you suspect unauthorized access to your account.

Current plans and pricing are described on the pricing page. The free plan is provided at no charge, subject to the usage limits shown there. Paid plans are billed as a monthly subscription through our payment processor, Stripe.

• Renewal. Paid subscriptions renew automatically at the end of each billing period until canceled.
• Cancellation. You can cancel from the billing settings in your dashboard. Cancellation takes effect at the end of the current billing period, and you retain paid features until then. We do not provide prorated refunds for partial billing periods except where required by law.
• Usage limits. Each plan includes limits (for example on agents, transaction volume, and API calls). We may enforce these limits technically, and we may block or throttle usage that exceeds them. If your usage consistently exceeds your plan, we may ask you to upgrade.
• Taxes. Fees are exclusive of taxes. You are responsible for any applicable sales, use, VAT, GST, or similar taxes, other than taxes on our net income.
• Price changes. We may change prices with at least 30 days notice. Changes take effect at your next renewal.
• Non-payment. If a subscription payment fails and is not cured, we may downgrade your organization to the free plan or suspend paid features.

Enterprise plans are offered under a separate written agreement. If you have a signed agreement with us, that agreement controls where it conflicts with these terms. Contact sales@conto.finance for details.

The core of the service is letting transactions initiated by your agents proceed, pause for approval, or be blocked according to policies that you configure. You understand and agree that:

• You authorize agent-initiated transactions made through the service under your policies. Transactions that your policies allow are treated as authorized by you.
• You are responsible for configuring your policies correctly, for testing them, and for the behavior of the agents you connect. Policy evaluation applies the rules you define; it does not judge whether a purchase is a good idea.
• Payment methods and cards you connect to the service remain governed by your agreements with the issuing bank, card network, or payment provider. You represent that you are authorized to use each payment method you connect.
• We provide monitoring, trust signals, and fraud-related checks as aids, not as guarantees. We do not guarantee that every unwanted, fraudulent, or erroneous transaction will be blocked, or that every legitimate transaction will succeed.
• Disputes about goods or services purchased by your agents are between you and the relevant merchant or counterparty.
• You remain responsible for your own legal and regulatory compliance, including any anti-money-laundering program, know-your-customer and know-your-business checks on your users and counterparties, sanctions compliance at the human-identity level, suspicious activity reporting, and tax reporting that applies to your business. Conto provides screening tools and audit trails as inputs to your program; the regulatory accountability for the agents and counterparties you configure stays with you.

Subject to these terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use our API, SDKs, command-line tools, and MCP server (together, the "developer tools") to build and operate integrations with the service for your own business purposes.

• Keep API keys and agent credentials confidential and rotate them if exposed.
• Respect published rate limits and do not attempt to circumvent plan limits, authentication, or policy enforcement.
• Do not misrepresent your integration as being provided or endorsed by Conto.
• Where portions of the developer tools are distributed under open-source licenses, those licenses govern your use of those portions.

We offer sandbox and demo environments, including the public try mode and public demos, so you can evaluate the service. These environments are provided for evaluation only, carry no service-level commitment, may use simulated data and simulated transactions, and may be reset, rate-limited, changed, or withdrawn at any time without notice. Do not use sandbox or demo environments for production workloads or real payments unless a feature explicitly says otherwise.

You agree not to, and not to permit your users or agents to:

• Use the service for any unlawful purpose, including money laundering, terrorist financing, sanctions evasion, fraud, or purchases of illegal goods or services.
• Interfere with or disrupt the service, probe or breach its security, or access data or accounts belonging to others. Good-faith security research conducted under our security disclosure policy is authorized as described there.
• Upload or transmit content that is infringing, defamatory, or malicious (including malware), or that violates the rights of others.
• Resell, sublicense, or provide the service to third parties as a standalone offering without our written agreement.
• Use the service to build a competing product by systematically extracting its features, or scrape the service other than through the documented API.
• Evade usage limits, bans, or suspensions, including by creating new accounts.

You retain all rights to the content and data you and your agents submit to the service, including policy configurations, transaction metadata, and organization information ("customer content"). You grant us a worldwide, non-exclusive license to host, process, transmit, and display customer content solely as needed to provide, secure, and improve the service, to comply with law, and as otherwise permitted by our Privacy Policy.

You are responsible for having the rights and consents needed to submit customer content to the service. We may use aggregated or de-identified data that does not identify you or any person to operate and improve the service.

The service, including its software, design, and documentation, is owned by Conto Finance, Inc. and its licensors and is protected by intellectual property laws. Except for the licenses expressly granted in these terms, no rights in the service are granted to you. The Conto name and logo may not be used without our prior written consent. Feedback you choose to send us may be used without restriction or obligation to you.

The service depends on third-party providers, including payment processing (Stripe), managed wallet infrastructure and payment execution (Privy), hosting and infrastructure (Vercel, Neon, Upstash), email delivery, error monitoring, and AI model providers. Your use of features powered by a third party may be subject to that third party's terms. We are not responsible for third-party services, and their availability may affect the service.

Documentation, demos, and integrations may link to external sites. We are not responsible for their content.

We may offer features labeled beta, preview, or experimental (for example, card issuing integrations that are not yet generally available). Beta features are provided as is, may change or be discontinued at any time, may carry additional terms, and are excluded from any support or availability commitments. Some capabilities referenced in the product, such as SSO/SAML and contractual SLAs for enterprise plans, are not yet offered; where the site describes them, it describes planned functionality.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR FREE, OR SECURE, THAT POLICY ENFORCEMENT WILL PREVENT ALL UNWANTED TRANSACTIONS, OR THAT TRUST OR FRAUD SIGNALS WILL BE ACCURATE OR COMPLETE. NOTHING ON THE SERVICE IS FINANCIAL, LEGAL, OR TAX ADVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (A) NEITHER PARTY WILL BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, OR GOODWILL; AND (B) OUR TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (I) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY OR (II) 100 US DOLLARS. THESE LIMITS DO NOT APPLY TO LIABILITY THAT CANNOT BE LIMITED BY LAW. THE PARTIES AGREE THAT THIS SECTION REFLECTS A REASONABLE ALLOCATION OF RISK.

You will defend and indemnify Conto Finance, Inc. and its officers, directors, employees, and agents against third-party claims, and resulting damages, costs, and reasonable attorneys' fees, arising from: (a) customer content; (b) your use of the service in violation of these terms or applicable law; (c) transactions initiated by your agents or under your policies; or (d) your products, services, or disputes with merchants and counterparties. We will notify you promptly of any such claim and reasonably cooperate at your expense.

You may stop using the service and close your account at any time. We may suspend or terminate your access, or restrict specific features, if you materially breach these terms, if your use creates security, legal, or fraud risk, if required by law or by our payment partners, or for extended non-payment. Where practical, we will give you notice and a chance to cure before termination.

Upon termination, your right to use the service ends. Provisions that by their nature should survive (including Sections 9, 10, and 13 through 18) survive. After account closure we retain and delete data as described in the Privacy Policy.

We may update these terms from time to time. For material changes we will give notice, for example by email to your account address or a notice in the dashboard, at least 30 days before the change takes effect where reasonably practical. Continued use of the service after a change takes effect constitutes acceptance. If you do not agree to a change, stop using the service and close your account before the change takes effect.

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws rules. The parties will attempt to resolve disputes informally first by contacting us at support@conto.finance. Any dispute arising out of or relating to these terms or the service that is not resolved informally will be brought exclusively in the state or federal courts located in the State of Delaware, and each party consents to the personal jurisdiction and venue of those courts.

If any provision of these terms is found unenforceable, the remaining provisions remain in effect. These terms, together with the Privacy Policy and any ordering documents, are the entire agreement between you and us regarding the service. Our failure to enforce a provision is not a waiver. You may not assign these terms without our prior written consent. We may assign these terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

Questions about these terms: email support@conto.finance. Legal notices to Conto Finance, Inc. should be sent by email to the same address.