Terms of Service

Effective: 2026-10-04 · Version v19-2026-10-04

Effective Date: 2026-10-04 · Last Updated: 2026-10-04 · Version: v19-2026-10-04

These Terms of Service (the "Terms") govern your use of Clarifidata.app and any related services (collectively, the "Service"). The Service is owned and operated by Surface Owl Inc., a California corporation ("Clarifi," "we," "us," or "our"). Clarifidata.app is a product name and trademark of Surface Owl Inc.; it is not a separate legal entity, and your contract for the Service is with Surface Owl Inc.

By creating an account, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not use the Service.

1. Eligibility

You may use the Service only if you (a) are at least 18 years old, (b) have the legal capacity to enter into a binding agreement, and (c) are not barred from receiving services under applicable U.S. law. By accepting these Terms, you represent that you meet these requirements.

If you are using the Service on behalf of an organization (such as a school or board), you represent that you have authority to bind that organization to these Terms, and "you" includes that organization.

You further represent that you are not located in, under the control of, or a national or resident of any country subject to U.S. embargo or trade sanctions (currently including Cuba, Iran, North Korea, Syria, and the Crimea/Donetsk/Luhansk regions of Ukraine), and that you are not on any U.S. government list of restricted parties (including the Specially Designated Nationals List, the Denied Persons List, or the Entity List).

2. The Service

2.1 Description

The Service provides access to financial intelligence tools built on publicly available IRS Form 990 nonprofit tax filing data. Features may include, depending on your subscription tier:

Financial dashboards and trend analysis derived from IRS Form 990 filings
Anomaly-detection alerts ("Canaries")
Compensation benchmarking against peer organizations
Officer compensation and governance data
Natural-language question-and-answer ("RAG chat") with citations to source filings
Citation-linked filing viewer with bounding-box source highlights
Data exports (where included in your tier)

2.2 Tiers and Features

The Service is offered at multiple subscription tiers (currently: Free, Watch, Pro, Board), each with different feature access, data depth, seat limits, and usage allotments. The current tier features, pricing, and any tier-specific quotas (including time-bounded or one-time consumable allotments) are set out on our public pricing page and disclosed at signup. We may add, remove, or modify features, tiers, and quotas at any time, subject to the change-notification provisions in Section 17.

The Free tier is a permanent feature-limited tier, not a time-limited free trial. No paid charges are auto-initiated from the Free tier without your separate affirmative subscription action and consent under Section 4.2.

2.3 Beta and Preview Features

We may from time to time offer features as "beta," "preview," or "early access." Such features are provided on an "AS IS" basis (see Section 10), without warranty of any kind, are excluded from any service-availability target in Section 16.1, and are excluded from our indemnification obligations in Section 13.2.

2.4 Third-Party Data Dependency

The Service derives its financial intelligence, benchmarking, and analytical capabilities from publicly available data filed by nonprofit organizations with the U.S. Internal Revenue Service and published by various third-party public data sources. The availability, completeness, accuracy, timeliness, and usefulness of the Service are entirely dependent on the availability, completeness, and accuracy of the underlying data as filed by the reporting nonprofit organization and as published by these third-party sources.

We do not independently audit, verify, or guarantee the data contained in any IRS Form 990 filing or other public-source record. If a nonprofit organization files incomplete, inaccurate, or misleading information with the IRS — or if a third-party data source publishes data that is incomplete, delayed, corrupted, reformatted, or unavailable — the Service may reflect those deficiencies, and we bear no responsibility for any resulting gaps, errors, or omissions in the Outputs.

Without limiting the generality of Section 10 (Disclaimers of Warranties), you acknowledge and agree that:

(a) We are not responsible for the quality, accuracy, completeness, or timeliness of data filed by any nonprofit organization with the IRS or any other regulatory body;

(b) We are not responsible for the availability, format, completeness, or accuracy of data published by any third-party source from which we obtain public filings;

(c) We may be unable to provide some or all features of the Service for a particular organization or time period if the underlying data is unavailable, incomplete, or unusable, and such inability does not constitute a breach of these Terms or a failure to provide the Service; and

(d) You will not hold Clarifi liable for any loss, damage, or adverse outcome arising from your reliance on Outputs that reflect deficiencies in underlying third-party data.

2.5 Compensation Benchmarking Reciprocity

Certain features of the Service — including officer compensation benchmarking, peer-comparison analytics, and related governance tools (collectively, "Compensation Benchmarking Features") — depend on the breadth and quality of compensation data reported by nonprofit organizations in their IRS Form 990 filings (including Schedule J, Part VII, and equivalent sections across form versions).

If you use Compensation Benchmarking Features in connection with an organization for which you serve as an officer, director, trustee, key employee, or authorized representative, you represent and agree that, to the extent within your control or influence:

(a) The IRS Form 990 filings submitted by or on behalf of that organization will include accurate, complete, and clearly labeled compensation information for all officers, directors, trustees, key employees, and highest-compensated employees, as required by the applicable IRS Form 990 instructions;

(b) Job titles and roles reported in those filings will be descriptive and reasonably specific (for example, "Head of School" or "Chief Financial Officer" rather than blank, generic, or ambiguous entries such as "Staff" or "Employee"); and

(c) You shall not deliberately omit, obscure, underreport, or mischaracterize compensation information in filings in order to avoid disclosure or to reduce the information available to peer organizations through the Service.

Service adjustments for non-reciprocal participation. We reserve the right, in our sole discretion, to restrict, limit, or reduce access to Compensation Benchmarking Features — including by withholding or limiting the display of peer-comparison data, benchmarking reports, or related Outputs — for any organization whose publicly filed IRS Form 990 data reflects a pattern of incomplete, missing, or inadequately labeled compensation information. Such adjustments are not a breach of these Terms and do not give rise to any refund or credit obligation. We will use reasonable efforts to notify the affected account holder before or at the time such an adjustment takes effect and to explain the basis for the adjustment.

3. Account Registration and Security

3.1 Registration

To access most features, you must create an account by providing a verified email address through our identity provider (currently Auth0).

Authentication is handled by Auth0; Clarifi does not see, store, or have access to your password in any form.

During account registration you must affirmatively accept both these Terms and our Privacy Policy by checking a box presented before account creation; that check constitutes your electronic signature under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. §§7001-7031) and the California Uniform Electronic Transactions Act (Cal. Civ. Code §1633.7), and your agreement to be bound by both documents.

3.2 Account Security

You are responsible for: (a) maintaining the confidentiality of your account credentials, (b) all activities that occur under your account, (c) notifying us at our support email address (subject line: "Security") within seventy-two (72) calendar hours of becoming aware of any unauthorized use of your account, suspected security incident, or compromise of your credentials, and (d) promptly removing seat access for any user who is no longer authorized to use it (such as a terminated employee or a user who has changed roles). We are not liable for any loss or damage arising from your failure to comply with this Section.

3.3 Multi-Seat Access

For tiers that include multiple seats, the billing administrator may invite additional users by email address. Invitees may use any email domain. Invitees are bound by these Terms upon accepting the invitation. The billing administrator is responsible for managing seat occupancy within tier limits and for the conduct of invitees.

3.4 Organization Account Linking

If you create or maintain an account using an email address at a domain owned or administered by an organization (such as your school, school district, or employer), that organization may register the domain with Clarifi and link your account to a centralized organization account managed by an administrator of that organization. We will provide you reasonable advance notice by email before linking your account.

Once linked, the organization administrator may:

(a) view information about your account, including account activity, the content you submit through the Service (such as Chat queries, custom peer lists, and comments), and Outputs you generate;

(b) restrict, modify, or remove your access to the Service; and

If you do not consent to linking, you may delete your account before the linking takes effect, in which case any Customer Data associated solely with your account will be deleted in accordance with the Privacy Policy. Linking does not change Clarifi's own data-handling obligations under the Privacy Policy.

4. Subscriptions, Billing, and Auto-Renewal

4.1 Subscription Terms

Paid subscriptions to the Service are sold on an annual basis. The currently published price for each tier applies at the time of subscription. All prices are in U.S. dollars. We reserve the right to change pricing for future subscription periods upon at least sixty (60) calendar days' notice to your account email address.

Prices are fixed for the duration of any current paid subscription term. For any change to the recurring charge amount that would take effect during a current subscription term (which we do not anticipate), we will provide clear and conspicuous notice between seven (7) and thirty (30) calendar days before the change, consistent with Cal. Bus. & Prof. Code §17602(g)(2).

4.2 Auto-Renewal Disclosure (California Business & Professions Code § 17600 et seq.)

(a) Disclosure at point of sale

Before Stripe Checkout, you are presented with a separate consent confirmation page that displays the auto-renewal terms in this Section 4.2 in clear and conspicuous form — including the recurring amount, the next renewal date, and the cancellation method. You must affirmatively check a separate consent box on that page, distinct from your general acceptance of these Terms, before the subscription can proceed. Your check of that consent box constitutes your express affirmative consent to the auto-renewal terms, separate from any other contract acceptance, consistent with Cal. Bus. & Prof. Code §17602(a)(2). We record your consent (timestamp, IP address, user-agent, and the versions of these Terms and the Privacy Policy in effect at the time you consented) and email a confirmation that re-states the same terms at the time of purchase, as required by Cal. Bus. & Prof. Code §17602(a)(3). We retain these consent records for at least three (3) years from the date of consent, or one (1) year after termination of your subscription, whichever is longer, as required by Cal. Bus. & Prof. Code §17602(a)(6).

We will not present the auto-renewal consent capture in a manner that bundles it with unrelated terms, requires you to scroll past unrelated material to reach it, or otherwise interferes with your ability to give or withhold consent freely. This commitment is consistent with Cal. Bus. & Prof. Code §17602 (as amended by AB 2863).

(b) Auto-renewal terms

YOUR SUBSCRIPTION WILL AUTOMATICALLY RENEW EACH YEAR ON THE ANNIVERSARY OF YOUR INITIAL SUBSCRIPTION DATE UNLESS YOU CANCEL BEFORE THE RENEWAL DATE. Each renewal will be charged to the payment method on file at the then-current price published on our pricing page. The recurring charge amount, the length of the renewal term (one (1) year), and the cancellation method are disclosed at checkout and re-stated in your purchase confirmation email.

(c) Renewal reminder

For annual subscriptions, we will send you a renewal reminder email between fifteen (15) and forty-five (45) calendar days before each renewal charge, in compliance with Cal. Bus. & Prof. Code §17602(b)(1). The reminder will identify:

(i) the Service and tier you are subscribed to; (ii) the recurring charge amount and renewal term; (iii) that the subscription will automatically renew unless cancelled; (iv) the cancellation deadline (i.e., the renewal date); and (v) a direct link to the cancellation flow described in Section 4.5.

(d) Material changes

If we materially change the auto-renewal terms, we will provide notice to your account email address at least sixty (60) calendar days before the change takes effect, and the change will not apply to your current period. Continued use of the Service following the effective date constitutes acceptance of the changed terms.

4.3 Payment Processing

All payments are processed by Stripe, Inc. We do not store, process, or have access to your full payment card details. Your use of payment functionality is also subject to Stripe's terms and privacy policy.

4.4 Mid-Period Tier Changes (Proration)

If you upgrade your subscription mid-period (for example, Watch to Pro), you will be charged a prorated amount in U.S. dollars immediately for the remainder of the current period at the new tier price, and the renewal date will continue from your original subscription anniversary. If you downgrade mid-period, the change will take effect at the end of the current period; no prorated refund is issued.

4.5 Easy Cancellation

You may cancel your paid subscription at any time, in no more than two (2) steps and without speaking to a human, through any of these methods:

(a) a one-click cancellation link in your account settings page (which opens the Stripe Billing Portal pre-loaded to your subscription); (b) the Stripe Billing Portal directly (https://billing.stripe.com); or (c) an email to our support email address with the subject line "Cancel."

We will not require you to navigate retention offers, complete a survey, or take more than two (2) steps to cancel. Cancellation stops auto-renewal at the end of your then-current paid period, as further described in Section 5.

4.6 Taxes

Prices are exclusive of any applicable sales, use, value-added, or similar taxes. You are responsible for all such taxes assessed on your subscription. We may collect and remit such taxes where required by law.

5. Cancellation and No Refunds

5.1 Cancellation

You may cancel your paid subscription at any time through any of the methods in Section 4.5. Cancellation stops auto-renewal at the end of the current paid period; you retain full access through that date. Upon expiration, your account will revert to the Free tier (with associated feature and data restrictions) unless you reactivate.

5.2 No Refunds

Paid subscription fees are non-refundable. No prorated, partial, or full refunds are issued for unused subscription time, downgraded tiers, or cancelled subscriptions. This applies regardless of when in the billing cycle cancellation or downgrade occurs.

The only exceptions to this no-refund policy are:

(a) Where required by applicable law; (b) Where we materially change a subprocessor in a manner adverse to your processing as described in our Privacy Policy (in which case the limited prorated refund described there applies); and (c) Such other narrow exceptions as we may, in our sole discretion, grant on a case-by-case basis.

Refund on termination without cause. If Clarifi terminates a paid subscription without cause (meaning not for breach by you, non-payment, fraud, security risk, or other ground enumerated in Section 14.3(a) or 14.3(b)), Clarifi will refund a prorated portion of any prepaid fees for the unused portion of your then-current paid period. This refund obligation is in addition to any other rights or remedies available under these Terms or applicable law.

5.3 Failed Payments

If a renewal payment fails, we will mark your account as past-due and Stripe will attempt to collect payment over a short retry period (typically 21 days). If payment is not successfully collected during this period, your account will be downgraded to the Free tier. Your data is preserved through the dunning period and is recoverable upon reactivation, subject to the data-retention schedule in our Privacy Policy.

5.4 Reactivation

If you cancel and later reactivate (more than thirty (30) calendar days after cancellation), the reactivation is treated as a new subscription for purposes of free-tier benefits, trial windows, and retention timers, even if your underlying account data is preserved within the retention windows in our Privacy Policy.

6. Acceptable Use

You agree not to:

Use the Service in violation of any applicable law or regulation
Reverse engineer, decompile, or attempt to derive the source code of the Service
Use automated means (bots, scrapers, headless browsers) to extract data from the Service except as expressly permitted by an export feature
Resell, sublicense, or otherwise commercially redistribute access to the Service or any Outputs without our prior written consent
Share account credentials with anyone outside the seats included in your subscription
Submit false or misleading information during account registration or domain verification
Probe, scan, or test the security of the Service except through a coordinated disclosure process
Use the Service to harass, defame, or harm any individual or organization
Harass, abuse, or threaten Clarifi personnel, support staff, contractors, or agents acting on Clarifi's behalf
Submit Protected Health Information (PHI) as defined in Section 9.3, or any other category of regulated health data, unless you have first executed a separate Business Associate Agreement with Clarifi
Use the Service to perform services for any third party who is not authorized as a user under your subscription, including by operating a service bureau, providing managed analytics, or generating Outputs on behalf of a non-user client, other than as expressly permitted by a separate written agreement with us
Submit prompts or inputs designed to (i) elicit Service system prompts, retrieval indexes, or model weights; (ii) cause the Chat to ignore safety instructions; or (iii) extract verbatim copies of Service-generated content beyond fair use
Submit Chat queries whose primary purpose is to use the Chat as a general-purpose AI tool unrelated to your use of the Service, including prompts engineered to extract code, multi-step research outputs unrelated to the Service, or content otherwise outside the Service's nonprofit financial analysis scope
Use the Service, any Outputs, or any other data, content, or information obtained from or derived from the Service — whether by export, screenshot, scraping, manual transcription, dashboard rendering, or any other means — to directly or indirectly create, train, fine-tune, develop, evaluate, benchmark, or otherwise improve artificial intelligence systems, large language models, machine-learning algorithms, model architectures, model weights, or similar applications, except (a) solely for non-automated human review of accuracy, or (b) as expressly permitted by a separate written agreement with us
Aggregate, repackage, or republish Outputs as a derivative dataset or as the basis for any service offered to third parties
Circumvent tier-gating mechanisms or quotas (including the Free-tier Chat allotment in Section 2.2)
Use the Chat functionality to generate content that is illegal, harassing, defamatory, or otherwise harmful
Represent any Output as human-generated, as professional human analysis, or as the work of any person other than the AI system that produced it
Combine, merge, or enrich Outputs with data from other sources for the purpose of circumventing the usage restrictions in these Terms
Use the Service or any Outputs to develop, market, or operate a product or service that materially competes with, or otherwise causes harm to, our products, services, or business operations, including without limitation nonprofit financial benchmarking, IRS Form 990 search and analysis, peer-comparison analytics, or executive-compensation comparison, except as expressly permitted by a separate written agreement with us
Copy, replicate, or substantially imitate the features, workflows, dashboards, visual design, or user interface of the Service for the purpose of developing a competing product or service
Where Clarifi makes an application programming interface (API) available, you may not: (i) share, sell, lease, or otherwise transfer API credentials, tokens, or keys to any third party; (ii) exceed published rate limits or use technical means to circumvent quotas; (iii) use the API to build or operate a product that replicates, mirrors, or substantially duplicates the Service's core functionality; or (iv) permit access to the API by anyone outside the seats included in your subscription, including by embedding or proxying responses to third parties, except as expressly permitted by a separate written agreement with us
Remove or obscure Clarifi branding, citations, or source attribution from the Service or any Outputs; or frame, embed, or display the Service or any Outputs under a third-party brand, except as expressly permitted by a separate written agreement with us

We may suspend or terminate accounts that violate this Section.

7. Intellectual Property

7.1 Our IP

The Service, including its software, design, dashboards, derived metrics, anomaly-detection logic, RAG retrieval system, peer-matching algorithms, and aggregated analytical outputs, is the property of Surface Owl Inc. and is protected by U.S. and international intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your internal business purposes, subject to these Terms.

7.2 Your Content; License to Us

"Customer Data" means content you submit through the Service (such as Chat queries, custom peer lists, comments, support tickets, and account-level metadata you provide) and the personal information described in our Privacy Policy. Customer Data does not include Outputs (defined in Section 7.4) or Feedback (defined in Section 7.6).

You retain ownership of Customer Data.

Scope of access to Customer Data. Customer Data you submit is accessible only to (a) you, (b) other authorized users with seats on your subscription, and (c) Clarifi personnel as necessary to operate the Service in accordance with this Section 7.2 and our Privacy Policy. We do not display, publish, or make Customer Data available to other Clarifi customers, to the general public, or to any third party except as expressly described in our Privacy Policy.

You grant us a worldwide, royalty-free, non-exclusive license to host, store, transmit, display, and process Customer Data solely as necessary for the following purposes. First, to provide the Service to you. Second, to prevent abuse and enforce these Terms. Third, to operate, debug, secure, and improve the Service — including measuring feature usage, identifying patterns that inform product development, and improving search and recommendation quality. Fourth, to generate Aggregated and Deidentified Statistics that do not identify you or your organization.

"Aggregated and Deidentified Statistics" means data we produce by aggregating and deidentifying Customer Data such that no individual customer or organization is identifiable. Aggregated and Deidentified Statistics are owned by Clarifi and may be used for any lawful purpose, including research, benchmarking, and marketing materials. This does not give Clarifi any ownership of your underlying Customer Data.

We do not use your inputs (Chat queries, custom peer lists, comments, or any other Customer Data you submit) as training data for foundation language models, embedding models, or other generative-AI models — neither models we operate ourselves nor any third-party model. Anthropic processes Chat queries solely to generate a response to you and is contractually prohibited from training on customer inputs.

No Third-Party Sharing for AI Training. We do not sell, license, share, or otherwise grant any third party rights to use your inputs for AI training, model development, or model evaluation.

7.3 Third-Party Content

The Service incorporates publicly available data from the U.S. Internal Revenue Service, ProPublica's Nonprofit Explorer, the National Center for Charitable Statistics (NCCS), and other public sources. Such third-party data remains the property of its respective sources. Where required, we provide attribution. NTEE code names and definitions shown in the Service are adapted from the NCCS BMF lookup tables: National Center for Charitable Statistics, (2026). NCCS BMF lookup tables: NTEE codes. This data is attributed to the National Center for Charitable Statistics (NCCS) at the Urban Institute and is used under the Open Data Commons Attribution License (ODC-BY) 1.0. Your use of the Service does not transfer to you any rights in such third-party data beyond those provided to the public by those sources.

7.4 Outputs and Derived Materials

Reports, dashboards, charts, CSV exports, PDF exports, financial-health summaries, peer-comparison tables, AI Chat responses generated for you (including their citations), and other materials you download, export, save, screenshot, or otherwise obtain from the Service during a paid subscription term ("Outputs") are licensed to you on a perpetual, non-exclusive, non-transferable basis for your internal business use. Your right to access the Service and to generate new Outputs ends at termination; Outputs already in your possession when termination takes effect may be retained and used internally indefinitely, subject to the surviving provisions identified in Section 14.4.

This Section 7.4 does not extend to: (i) bulk reproductions of the Service's underlying datasets; (ii) multi-year or longitudinal aggregations that compile substantial portions of the underlying data into a stand-alone dataset (for example, a 10-year multi-organization comparison table, whether obtained by export, screenshot, manual transcription, or other means); (iii) raw third-party data redistribution; or (iv) any Output whose primary purpose is to substitute for ongoing access to the Service.

7.5 Confidentiality

"Confidential Information" means non-public information disclosed by one party to the other in connection with these Terms or the Service, whether or not marked confidential, that a reasonable person would understand to be confidential — including pre-release or beta feature details, non-public pricing, security and audit reports, and technical roadmaps. Confidential Information does not include information that (a) is or becomes publicly known through no breach of these Terms, (b) was rightfully known before receipt, (c) was independently developed without use of the disclosing party's Confidential Information, or (d) was lawfully received from a third party without confidentiality obligations.

The receiving party agrees to use at least reasonable care to protect Confidential Information, to use it only as necessary to exercise rights or perform obligations under these Terms, and to limit access to its officers, directors, employees, contractors, and professional advisors (such as attorneys, auditors, accountants, financial advisors, and other professional representatives) who have a need to know and who are themselves bound by confidentiality obligations at least as protective as these Terms.

These obligations continue with respect to each item of Confidential Information until that item ceases to qualify as Confidential Information under the exclusions in this Section, including indefinitely for trade secrets while they qualify as trade secrets under applicable law. Nothing in this Section prevents disclosure required by law or valid court order, provided the receiving party (where legally permitted) gives reasonable advance notice and an opportunity to seek a protective order.

Personal information of customers is also governed by our Privacy Policy. To the extent of any conflict between this Section 7.5 and the Privacy Policy with respect to personal information, the Privacy Policy controls.

7.6 Feedback

If you provide Clarifi with feedback, suggestions, comments, ideas, or recommendations regarding the Service or any feature ("Feedback"), you grant Clarifi a perpetual, worldwide, royalty-free, fully-paid, sublicensable, irrevocable license to use, reproduce, modify, distribute, display, and incorporate the Feedback in any product or service, without attribution or compensation. To the maximum extent permitted by applicable law, you waive any moral rights, attribution rights, or similar rights you may have in the Feedback. Clarifi has no obligation to use any Feedback. Nothing in this Section limits your ability to use, develop, or commercialize your own pre-existing ideas, concepts, or knowledge, including any such material you happen to share with Clarifi as Feedback. Section 7.5 (Confidentiality) does not apply to Feedback.

7.7 Publicity and Customer References

You agree that Clarifi may identify you as a customer of the Service, including by using your name and logo, on Clarifi's website, in marketing and sales materials, in investor and partner communications, and in customer lists shared with prospects, in each case solely to indicate the fact of your current or former use of the Service. Clarifi will use your name and logo consistent with any reasonable trademark usage guidelines you provide in writing, and will not make any affirmative claim of endorsement or testimonial on your behalf without your prior written consent. You may revoke this permission at any time on thirty (30) calendar days' written notice to our support email address; revocation operates prospectively and does not affect materials already produced or distributed.

8. AI / Chat Functionality and Outputs — Important Disclaimer

The Service may include natural-language question-and-answer functionality powered by large language models (the "Chat"), as well as dashboards, derived metrics, anomaly alerts, peer comparisons, exports, and other materials (collectively with the Chat, all of which are encompassed within "Outputs" as defined in Section 7.4).

The Chat is purpose-limited to navigating, interpreting, and analyzing nonprofit financial data and related information accessible through the Service, including explaining concepts, terminology, methodologies, and other context that helps you understand and use the Service. The Chat is not a general-purpose AI assistant. We may refuse or restrict Chat queries that fall outside the Service's scope, including without limitation: code-completion or programming requests, multi-step research projects unrelated to your use of the Service, creative writing, personal advice unrelated to nonprofit operations, or other queries whose primary purpose is to use the Chat as a general-purpose AI tool rather than to navigate or understand the Service.

Outputs are not a substitute for professional advice. Outputs:

May be incorrect, incomplete, or outdated
Are intended to inform — not replace — your judgment, your professional advisors, and your independent verification against primary sources
Do not establish any advisor, fiduciary, or client relationship between you and Clarifi
Are not financial, legal, tax, accounting, HR, or any other form of professional advice

See Section 10 for the enforceable prohibition on using Outputs as a sole or material basis for high-stakes decisions.

You agree that you are solely responsible for: (i) verifying any Output against authoritative source filings and other primary sources; (ii) consulting qualified professionals before acting on any information obtained through the Service; (iii) the interpretation of any Output; and (iv) all final decisions, actions, and outcomes that result from your use of the Service or any Output. Citations are provided to enable your verification — please use them.

You shall not remove, obscure, or modify any disclaimer, citation, or limitation notice that appears on or accompanies any Output.

Outputs are analytical materials, not automated decisions about any individual person. All decisions made about a person based on an Output are made by you (or by recipients of Outputs you provide), not by us.

8.1 Recipients of Outputs

Outputs may be shared with persons who are not direct users of the Service (for example, members of a board or governance body, advisors, accountants, or counsel). Such persons are not parties to these Terms, but you remain responsible for: (i) the appropriate use of any Output you provide to them; (ii) communicating the limitations described in this Section 8 to those persons; and (iii) ensuring that any decision made by those persons in reliance on an Output is consistent with the restrictions in these Terms.

9. Privacy and Data Processing

9.1 Privacy Policy

Our collection and use of personal information in connection with the Service is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our practices as described in the Privacy Policy.

9.2 Data Processing Addendum

For customers required by law or internal policy to enter into a Data Processing Addendum (DPA) with Clarifi, our standard DPA is available upon request to our support email address (subject line: "DPA Request"). When executed, the DPA supplements (and to the extent of any conflict, controls over) these Terms with respect to the processing of personal information.

9.3 HIPAA and Regulated Health Data

Clarifi is not a Covered Entity or Business Associate as defined under the Health Insurance Portability and Accountability Act (HIPAA), and the Service is not designed for and does not accept Protected Health Information (PHI). If you submit PHI to the Service in violation of these Terms, you remain solely responsible for all resulting consequences, including (i) the cost of identifying, removing, or purging PHI from our systems; (ii) any breach-notification obligations imposed on you by law; and (iii) any regulatory penalties, fines, or third-party claims arising from your submission.

If you become aware that you have submitted PHI to the Service, you will (a) notify us in writing within forty-eight (48) hours of becoming aware, by email to our support email address with the subject line "PHI Disclosure," identifying as best you can the scope of the submission (such as the account, date range, and nature of the records), and (b) reasonably cooperate with us, at your expense, to identify, remove, and purge the PHI from our systems and any relevant backups.

10. Disclaimers of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT:

THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE
DATA EXTRACTED FROM IRS FORM 990 FILINGS OR OTHER SOURCES IS COMPLETE, ACCURATE, OR CURRENT
ANY DERIVED METRICS, RATIOS, ANOMALY ALERTS, OR PEER MATCHES ARE ACCURATE OR APPROPRIATE FOR YOUR PURPOSES
THE SERVICE WILL MEET YOUR REQUIREMENTS

YOU ASSUME THE FULL RISK OF USING THE SERVICE OR ANY OUTPUTS FOR YOUR PURPOSES, INCLUDING BUT NOT LIMITED TO BOARD-LEVEL DECISIONS, COMPENSATION REVIEWS, FINANCIAL PLANNING, AND EMPLOYMENT, HIRING, OR TERMINATION DECISIONS.

YOU SHALL NOT USE ANY OUTPUT AS A SOLE OR MATERIAL BASIS FOR LEGAL, TAX, ACCOUNTING, FINANCIAL, GOVERNANCE, EMPLOYMENT, COMPENSATION, HIRING, TERMINATION, CREDIT, HOUSING, INSURANCE, OR SIMILAR DECISIONS ABOUT ANY PERSON.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN THOSE JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

(a) No Indirect Damages. IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR THESE TERMS, REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTE, OR OTHERWISE) AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

(b) Aggregate Cap. OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (i) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100). THE EXISTENCE OF MORE THAN ONE CLAIM, OR OF MULTIPLE CAUSES OF ACTION OR LEGAL THEORIES, WILL NOT ENLARGE THIS CAP.

(c) Carve-outs. NOTHING IN THIS SECTION 11 LIMITS OR EXCLUDES LIABILITY FOR:

(i) Our gross negligence or willful misconduct; (ii) Our indemnification obligations under Section 13; (iii) Your breach of confidentiality obligations; (iv) Any liability that cannot be limited or excluded under applicable law (including, without limitation, liability under California Civil Code §1668 for fraud, willful injury, or violation of law).

(d) Reasoned Bargain. YOU AGREE THAT THE LIMITATIONS IN THIS SECTION REFLECT A REASONED ALLOCATION OF RISK BETWEEN YOU AND CLARIFI AND ARE A MATERIAL BASIS OF THE BARGAIN BETWEEN US. THESE LIMITATIONS WILL APPLY NOTWITHSTANDING THE FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY PROVIDED IN THESE TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

12. Equitable Relief

The parties agree that damages may be inadequate for breach of provisions of these Terms relating to use restrictions, intellectual property, or confidentiality. In addition to any other available remedies, the non-breaching party is entitled to seek specific performance and preliminary or permanent injunctive relief in a court of competent jurisdiction, without the requirement of posting a bond. The dispute resolution process in Section 18 does not require a party to complete the tiered informal-resolution (Section 18.1), mediation (Section 18.2), or arbitration (Section 18.3) steps before seeking such equitable relief.

13. Indemnification

13.1 Your Indemnification

You agree to indemnify, defend, and hold harmless Surface Owl Inc., its officers, directors, employees, and agents from any third-party claim, demand, loss, or damage (including reasonable attorneys' fees) arising from: (a) your breach of these Terms; (b) your violation of applicable law in connection with your use of the Service; (c) your violation of any third-party right (including intellectual property or privacy rights); or (d) any content you submit through the Service.

Our right to indemnification under this Section 13.1 is conditioned on: (i) we promptly notify you in writing of the claim; (ii) you assume sole control of the defense and settlement negotiations, provided that you will not settle any claim that imposes any non-monetary obligation on us, that requires us to admit liability, or that restricts our future business activities, without our prior written consent (not to be unreasonably withheld); (iii) we reasonably cooperate with you in the defense at your expense; and (iv) we may participate in the defense at our own expense with counsel of our choice.

13.2 Our IP-Infringement Indemnification

We will defend you against any third-party claim that the Service, as provided by us and used by you in accordance with these Terms, infringes the third party's U.S. patent, copyright, trademark, or trade secret rights, and we will pay damages finally awarded against you (or agreed in settlement) for such claim, provided you (a) promptly notify us in writing of the claim, (b) give us sole control of the defense and any settlement negotiations, and (c) reasonably cooperate with us at our expense.

Our obligations under this Section 13.2 do not apply to any claim arising from:

(i) Your modifications to the Service; (ii) Combination of the Service with non-Clarifi materials, where the claim would not have arisen but for that combination; (iii) Your use of the Service after we notify you to stop; (iv) Your use of any beta, preview, or early-access feature; (v) Free-tier use; or (vi) The substance of the third-party public-source data described in Section 7.3 (i.e., claims arising from the content of the IRS Form 990 filings, ProPublica datasets, NCCS datasets, or other public-source data as published by its original source) — but this carve-out does not extend to claims arising from our software, dashboards, AI Chat responses, Outputs, or other materials we create, generate, or compile using that data.

If the Service is or may become subject to such a claim, we may, at our option: (a) procure for you the right to continue using the Service; (b) modify the Service to be non-infringing; or (c) terminate the affected subscription and refund the prorated unused portion of fees paid for the affected period. Termination under this option does not affect your rights to Outputs already in your possession under Section 7.4.

THIS SECTION 13.2 STATES OUR SOLE LIABILITY, AND YOUR EXCLUSIVE REMEDY, FOR THIRD-PARTY INFRINGEMENT CLAIMS.

14. Term and Termination

14.1 Term

These Terms remain in effect while you use the Service or maintain an account.

14.2 Termination by You

You may terminate these Terms at any time by deleting your account through the account settings or by emailing our support email address (subject line: "Delete account"), subject to the cancellation and no-refund provisions in Section 5 and the deletion procedures in our Privacy Policy.

14.3 Termination by Us

We may suspend or terminate your account:

(a) Immediately, without prior notice, for: (i) suspected fraudulent, abusive, or illegal activity; (ii) actions that pose an immediate security or operational risk to the Service or other customers; (iii) any material breach of Section 6 (Acceptable Use), Section 7.4 (Outputs and Derived Materials), or Section 7.5 (Confidentiality); (iv) failure to pay amounts owed that remain unpaid more than thirty (30) calendar days after we have provided notice and an opportunity to cure; or (v) your filing of, or being made subject to, a petition under bankruptcy or insolvency laws, an assignment for the benefit of creditors, or appointment of a receiver or similar officer, unless such petition or proceeding is dismissed within sixty (60) calendar days.

(b) On thirty (30) calendar days' written notice, for any other material breach of these Terms not cured within fifteen (15) calendar days after we have notified you of the breach.

(c) On thirty (30) calendar days' written notice, for Free-tier accounts that have not been accessed for twelve (12) consecutive months.

Upon termination, your right to access the Service ends as of the effective date of termination.

14.4 Effect of Termination; Survival

Upon termination: (a) your access to the Service ends; (b) we will retain or delete your data in accordance with our Privacy Policy; (c) the following Sections survive termination: 5 (No Refunds), 6 (Acceptable Use — including the post-termination restrictions on AI training and competing-product development that apply to any Outputs you retain), 7 (IP and Confidentiality), 8 (AI / Chat Functionality and Outputs — including the disclaimers and recipient-communication obligations that apply to any Outputs you retain), 9 (Privacy and Data Processing), 10 (Warranties), 11 (Limitation of Liability), 12 (Equitable Relief), 13 (Indemnification), 15 (Data Preservation and Account Deletion), 18 (Dispute Resolution), and 19 (General), and any other provision that by its nature should survive.

Post-termination data export. For thirty (30) calendar days following termination by either party (other than termination under Section 14.3(a)(iii) for material breach of Sections 6, 7.4, or 7.5), Clarifi will provide reasonable means for you to export Customer Data (such as Chat queries, custom peer lists, comments, and account-level metadata). After this period, Customer Data is deleted in accordance with the Privacy Policy retention schedule.

14.5 Discontinuation of Service

If Clarifi discontinues the Service or any material feature on which your paid subscription substantially depends, we will: (i) provide at least sixty (60) calendar days' advance notice by email; and (ii) refund a prorated portion of any prepaid fees for the unused portion of your then-current subscription term, measured from the discontinuation date. This refund obligation is in addition to any other rights or remedies available under these Terms.

15. Data Preservation and Account Deletion

Data preservation, retention windows, and the procedures for self-serve account deletion and CCPA / CPRA right-to-delete requests are set out in our Privacy Policy, §§6, 10.1, and 10.3. Those provisions are the canonical source for retention periods; in case of conflict between this Section 15 and the Privacy Policy, the Privacy Policy controls.

16. Service Levels, Support, and Security

16.1 Availability

We target 99.5% monthly availability of the Service application endpoint, excluding scheduled maintenance, force majeure events, and beta or preview features. This availability target is informational only and not a contractual service-level commitment; no service credits are issued.

16.2 Support

Support is provided by email at our support email address on U.S. business days (Monday-Friday, excluding U.S. federal holidays). Target first-response times by tier:

Board: one (1) business day
Watch and Pro: two (2) business days
Free: best-effort

16.3 Security

We maintain reasonable administrative, technical, and physical safeguards as further described in our Privacy Policy. Specific security questions, audit reports, or DPA requests should be directed to our support email address (subject line: "Security" or "DPA Request").

16.4 Accessibility

We design the Service to conform substantially with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. If you encounter an accessibility barrier or need an accommodation to use the Service, please contact us at our support email address (subject line: "Accessibility") and we will make reasonable efforts to address it. This commitment does not warrant strict conformance with every WCAG 2.1 AA success criterion; some third-party content (such as embedded IRS Form 990 PDFs and dashboards generated from those filings) may not be fully accessible.

17. Modifications to the Service and to These Terms

17.1 Modifications to the Service

We may modify, suspend, or discontinue the Service or any feature at any time. For material changes that adversely affect a paid subscriber's core feature access during a paid period, we will provide reasonable notice and, at our discretion, may offer a prorated credit toward a future period.

17.2 Modifications to These Terms

We may modify these Terms from time to time. Material changes will be communicated by email to your account email address at least thirty (30) calendar days before they take effect.

Existing paid subscribers remain governed by the version of these Terms in effect at the start of their current paid subscription period. The updated Terms apply at the user's next renewal, and renewal of the subscription constitutes acceptance of the updated Terms then in effect. Existing paid subscribers are not required to accept updated Terms during their current paid subscription period and are not granted any additional right of cancellation by reason of a modification taking effect during that period.

Free-tier users and users without an active paid subscription will be prompted to re-accept the updated Terms upon next login on or after the effective date; continued use of the Service after that prompt constitutes acceptance.

Cosmetic changes (typo fixes, formatting, broken-link fixes, and other non-substantive edits) will be versioned for our internal audit trail but will not require re-acceptance and will not trigger the 30-day notice or renewal-deferral mechanics described above.

Legally required changes. Notwithstanding the foregoing, if a change to these Terms is required by applicable law, regulation, court order, or governmental action, the change will apply to all users on the effective date required by that law or order, regardless of subscription cycle.

We maintain a public version history of these Terms at the location identified in Section 20. Each version is preserved with its effective date so that you can identify the version of these Terms that governs your subscription.

18. Dispute Resolution

We hope to resolve any disagreement quickly and informally. The following tiered process governs all disputes between you and Clarifi:

18.1 Step 1 — Informal Resolution

Compliance with this Section 18.1 is a condition precedent to initiating any formal proceeding (mediation, arbitration, or litigation), and a court or arbitrator shall dismiss or stay any claim brought without satisfying it.

Before initiating any formal proceeding, you must submit a written notice by email to our support email address (subject line: "Dispute") with a clear description of the dispute and your desired resolution. We will respond within thirty (30) calendar days. The parties agree to engage in good-faith discussion to resolve the matter for at least sixty (60) calendar days from the date of your notice.

Tolling. The limitations period in Section 18.7 is tolled during the informal resolution period under this Section 18.1 and during any mediation conducted in good faith under Section 18.2.

18.2 Step 2 — Mediation

If informal resolution under Section 18.1 does not resolve the dispute within the sixty (60) calendar day period required by Section 18.1, the parties agree to attempt to resolve it through non-binding mediation, conducted in San Francisco, California, by a single mediator mutually agreed upon by the parties. Each party bears its own costs and shares mediator fees equally.

18.3 Step 3 — Mandatory Binding Arbitration

If informal resolution and mediation do not resolve the dispute within the timeframes described in Sections 18.1 and 18.2, you and Clarifi each agree that all remaining disputes, claims, and controversies arising out of or relating to these Terms, the Service, or your use of the Service (collectively, "Arbitrable Claims") will be resolved exclusively by binding individual arbitration, except for the limited carve-outs identified in Section 18.4.

Arbitration agreement governed by the Federal Arbitration Act. This Section 18.3 is an agreement to arbitrate under the Federal Arbitration Act (9 U.S.C. §§1 et seq.), and its enforcement is governed by federal arbitration law.

Administrator and rules. Arbitration shall be administered by JAMS in San Francisco, California, under JAMS's then-current Streamlined Arbitration Rules and Procedures (for claims under $250,000) or Comprehensive Arbitration Rules and Procedures (for claims of $250,000 or greater). The applicable rules are available at jamsadr.com.

Arbitrator selection. A single neutral arbitrator will be selected pursuant to the applicable JAMS rules. The arbitrator must be a retired California state or federal judge or a lawyer with at least fifteen (15) years of experience in commercial contract or consumer-protection disputes.

Hearing location. Arbitration hearings will be conducted in San Francisco, California, or by videoconference at the arbitrator's discretion with the parties' agreement.

Fees. Each party will pay the filing, hearing, and arbitrator fees allocated by the applicable JAMS rules and fee schedule. If the JAMS rules allocate a fee to you that exceeds what you would pay to file the same claim in a California state court of competent jurisdiction, Clarifi will pay the difference. Each party bears its own attorneys' fees, except where applicable law (including without limitation California Civil Code §1717 and any fee-shifting provision of a statute under which a claim is brought) requires a different allocation.

Arbitrator's authority. The arbitrator has authority to decide all issues, including the threshold issue of arbitrability, and to grant any relief available in a court of law sitting in San Francisco County, California, except that the arbitrator may not (a) award relief in favor of or against any person who is not a party to the arbitration, (b) consolidate or class-aggregate claims, or (c) award public injunctive relief (which is reserved to a court per Section 18.5).

Award is final and binding. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Confidentiality. The existence, content, and result of the arbitration will be kept confidential by both parties, except as required by law or as necessary to enforce or appeal the award.

18.4 Limited Court Carve-Outs; Exclusive Venue

The mandatory arbitration provision in Section 18.3 does not apply to the following:

(a) Small-claims court actions. Either party may bring an individual claim in any small-claims court of competent jurisdiction (such as a California Superior Court small-claims division or its equivalent in your state of residence), provided the claim qualifies for adjudication in that court under its rules and does not exceed the small-claims jurisdictional limit;

(b) Equitable relief under Section 12. Either party may seek specific performance and preliminary or permanent injunctive relief in court as described in Section 12, without first completing or otherwise exhausting Sections 18.1, 18.2, or 18.3; and

(c) Public injunctive relief. A claim for public injunctive relief, as described in Section 18.5, may be brought in court.

Exclusive venue for court actions. Any action permitted by this Section 18.4 (other than a small-claims action under (a), which may be brought in the small-claims court of competent jurisdiction described above) must be brought exclusively in the state or federal courts located in San Francisco County, California. The parties consent to the personal jurisdiction of those courts and waive any objection to venue. For all such court actions, each party waives any right to a jury trial.

18.5 Class Action Waiver and Public Injunctive Relief

To the maximum extent permitted by applicable law (including the Federal Arbitration Act), you and Clarifi each agree that all Arbitrable Claims and all claims permitted in court under Section 18.4 must be brought solely on an individual basis, and not as part of a class, consolidated, collective, or representative action. The arbitrator (or, for Section 18.4 carve-out claims, the court) may not consolidate or join the claims of more than one person and may not preside over any form of representative or class proceeding.

Public injunctive relief carve-out. Nothing in this Section prevents you from seeking public injunctive relief in a court of competent jurisdiction. If a court determines that you are entitled to seek public injunctive relief, that claim shall be severed from any individual claims, which shall remain subject to this Section 18 (including the mandatory arbitration provision in Section 18.3, if otherwise applicable).

Severability of this Section. If any portion of this Section 18.5 (other than the public-injunctive-relief carve-out above) is held unenforceable as to a particular claim, that portion shall be severed from the affected claim and the remainder of this Section 18, including Section 18.3, shall apply to the affected claim. If the class-action waiver is held unenforceable in its entirety as to a particular claim such that the affected claim must proceed as a class, consolidated, or representative action, then that affected claim — and only that affected claim — shall be excluded from Section 18.3's mandatory arbitration provision and litigated in court under Section 18.4 (subject to the rest of these Terms).

18.6 Governing Law

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

18.7 Limitations Period

Any claim arising out of or related to these Terms or the Service must be brought within two (2) years after the cause of action arose, or it is permanently barred. By agreeing to these Terms, you and Clarifi expressly waive the longer four (4)-year limitations period for written contracts under California Code of Civil Procedure §337, to the extent permitted by law.

This shortened limitations period does not apply to claims that, by law, cannot be subject to a contractually shortened limitations period, including without limitation claims under: (a) the California Consumer Privacy Act (Civil Code §1798.100 et seq.); (b) the California Unfair Competition Law (Bus. & Prof. Code §17200 et seq.); (c) the Consumers Legal Remedies Act (Civil Code §1750 et seq.); (d) the California Auto-Renewal Law (Bus. & Prof. Code §17600 et seq.); and (e) any non-waivable right under California or federal law.

The limitations period in this Section 18.7 is tolled as set out in Section 18.1.

19. General

19.1 Entire Agreement

These Terms, together with the Privacy Policy and any tier-specific terms presented at signup or upgrade, constitute the entire agreement between you and Clarifi concerning the Service and supersede any prior agreements or understandings.

If you and Clarifi have signed a separate written agreement that addresses the same subject matter as these Terms (a "Negotiated Agreement"), the Negotiated Agreement controls to the extent of any conflict. The Privacy Policy controls on matters of data collection, processing, and retention expressly addressed in it. Any tier-specific terms presented at signup or upgrade control over these Terms only to the extent they expressly state that they do so. In all other cases, these Terms control.

19.2 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms without notice in connection with a merger, acquisition, sale of assets, or by operation of law.

19.3 Severability

If any provision of these Terms is held unenforceable, the remaining provisions remain in full force, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.

19.4 No Waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

19.5 Force Majeure

We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, war, terrorism, riots, embargoes, epidemics, pandemics, and public health emergencies, acts of civil or military authorities, fire, floods, accidents, network or power outages, internet service-provider failures, and strikes.

19.6 No Third-Party Beneficiaries

These Terms are for the benefit of you and Clarifi only and do not create any rights in any third party.

19.7 Notices

We may provide notices to you by email to the address associated with your account or by posting on the Service. Legal notices to us must be sent by both email to our support email address (subject line: "Legal Notice") and by certified mail to the mailing address in Section 20. Security notices required under Section 3.2(c) (account compromise, unauthorized use, credential exposure) are exempt from the certified-mail formality and may be sent by email alone (subject line: "Security"), so that the seventy-two (72) hour notice window is achievable.

20. Contact

Questions about these Terms? Contact us using the routing tags below to ensure timely response:

Email: clarifi-support@clarifidata.app

Version history of these Terms: Current and prior versions are published at clarifidata.app/legal/terms/history. Each version is preserved with its effective date so that you can identify the version of these Terms that governs your subscription (see Section 17.2).

Subject Line	For
Support	General product or account questions
Cancel	Subscription cancellation
Security	Suspected unauthorized access or security issues
Dispute	Formal dispute notice under Section 18.1
Legal Notice	Other legal notices under Section 19.7
DPA Request	Data Processing Addendum request
California Privacy Request	CCPA / CPRA rights request (also see Privacy Policy §10)
Privacy Inquiry	Other privacy questions
Delete account	Account deletion request
AI Chat complaint	Concerns about Chat behavior, Outputs, or scope (see Section 8)
PHI Disclosure	Notification of inadvertent PHI submission (see Section 9.3)

Mailing Address:

Surface Owl Inc. (operator of the Clarifidata.app service) c/o Republic Registered Agent Inc. 3400 Cottage Way, Ste G2 Sacramento, CA 95825

California Consumer Notice. Pursuant to California Civil Code §1789.3, the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, by telephone at (800) 952-5210, or via the website at https://www.dca.ca.gov.