Netcase AI Terms of Service

Last Updated: July 9, 2026

This Netcase AI Terms of Service ("Agreement") is made and entered into as of the date on which you confirm your acceptance in accordance with Section 10.9 below (the "Effective Date"), by and between Advanta Systems, LLC, a limited liability company organized and existing under the laws of Washington ("Advanta," "we," or "us"), and the undersigned accepting this Agreement ("you," "your," or "User"). Advanta and User are sometimes referred to individually as a "Party" and collectively as the "Parties."

In consideration of Advanta providing User access to Services in accordance with the terms of this Agreement, the Parties agree as follows:

1. Services

Netcase AI is intended to provide Users with access to Advanta's financial forecasting and credit-analysis technology for normalizing financial statements, computing ratios and other metrics, building forward-looking projections of income statements, balance sheets, and cash flows, and generating related analyses, reports, and AI-assisted summaries (collectively, "Services").

Subject to the terms of this Agreement, Advanta grants User a non-sublicensable, non-exclusive, non-transferable, limited license to use the Services for User's internal business purposes. Advanta may operate Services directly or through one or more affiliates.

If you register for a free trial of Services, the applicable provisions of this Agreement will also govern that free trial.

2. Artificial Intelligence

Services may include products and features that use AI capabilities, allow you deploy AI capabilities, and facilitate access to AI providers and their models (collectively, "AI Functionality"). Where the AI Functionality is capable of taking autonomous actions, including through directly interacting with one or more connected third-party applications or systems, your settings determine the level of autonomous actions the AI Functionality may take on your behalf. You are responsible for configuring appropriate settings, permissions, confirmation processes, and other safeguards for the AI Functionality, and you must monitor those settings to ensure they meet your compliance, security, and other needs. You authorize and agree to be legally bound by the actions taken on your behalf by the AI Functionality in accordance with your settings.

You are responsible for evaluating and monitoring the actions and output of the AI Functionality for correctness and appropriateness for your use case, including human review as appropriate or legally required.

If you enable (a) your own or third party's AI-powered tools, agents, or similar technologies, (b) your own or third party AI, or (c) third-party services ("Third Party Tools") to use the Services (e.g., without limitation, giving Third Party Tools your secrets, credentials, or access to your code repository), you authorize and agree to be legally bound by the actions taken on your behalf by those Third Party Tools. You agree that you are responsible for any costs incurred through the Third Party Tools' use of the Services. You agree that your Third Party Tools constitute an "electronic agent" or equivalent concept as defined in the Uniform Electronic Transactions Act (UETA) and other similar laws.

Advanta is not responsible for any loss, damage, liability or other consequence arising from actions taken on your behalf by any Third Party Tools or AI Functionality.

3. Privacy Policy

Please see our Privacy Policy to understand our practices, located at netcase.ai/privacy. By using Services, you understand and consent to Advanta's collection, storage, and use of User Data and other relevant information in accordance with Advanta's Privacy Policy. We encourage you to review the Privacy Policy frequently. Each Party shall comply with its respective obligations under applicable data protection laws ("DPL"). You will not perform any act that puts Advanta in breach of its obligations, and nothing herein shall be deemed to prevent compliance with DPL.

4. Responsibilities and Restrictions

You may not access or use Services if you are:

(a) a person who is not of legal age or otherwise not entitled to form a binding contract; or

(b) a person who is prohibited from accessing Services under applicable law.

If you access or use Services on behalf of any corporation, partnership, limited liability company, association, trust, or other legal entity (collectively, "Organization"), you agree to this Agreement on behalf of yourself and such Organization, and you represent and warrant that you have the authority to bind such Organization to this Agreement. In that case, references to "you" and "User" in this Agreement refer to both the individual acting and the Organization.

You will not, directly or indirectly: reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code, object code, or underlying structure, ideas, know-how, or algorithms relevant to the Services or any software, documentation, or data related to the Services ("Software"); modify, translate, or create derivative works based on the Services or any Software (except to the extent expressly permitted by Advanta or authorized within the Services); use the Services or any Software for timesharing or service bureau purposes or otherwise for the benefit of a third party; or remove any proprietary notices or labels.

Further, you may not remove or export from the United States or allow the export or re-export of the Services, Software, or anything related thereto, or any direct product thereof, in violation of any restrictions, laws, or regulations of the United States Department of Commerce, the United States Department of the Treasury Office of Foreign Assets Control, or any other United States or foreign agency or authority. As defined in FAR section 2.101, the Software and documentation are "commercial items" and, according to DFARS section 252.227-7014(a)(1) and (5), are deemed to be "commercial computer software" and "commercial computer software documentation." Consistent with DFARS section 227.7202 and FAR section 12.212, any use, modification, reproduction, release, performance, display, or disclosure of such commercial software or commercial software documentation by the U.S. Government will be governed solely by the terms of this Agreement and will be prohibited except to the extent expressly permitted by the terms of this Agreement.

You represent, covenant, and warrant that you will use the Services only in compliance with Advanta's standard published policies then in effect (the "Policy") and all applicable laws and regulations. You hereby agree to indemnify and hold harmless Advanta against any damages, losses, liabilities, settlements, and expenses (including, without limitation, costs and attorneys' fees) in connection with any claim or action that arises from an alleged violation of the foregoing or otherwise from your use of Services.

Although Advanta has no obligation to monitor your use of the Services, Advanta may do so and may prohibit any use of the Services it believes may be (or alleged to be) in violation of the foregoing.

User shall be responsible for obtaining and maintaining any equipment and ancillary services needed to connect to, access, or otherwise use the Services, including, without limitation, modems, hardware, servers, software, operating systems, networking, web servers, and the like (collectively, "Equipment"). You shall be responsible for maintaining the security and confidentiality of the Equipment, User account, passwords (including but not limited to administrative and user passwords), and files, and for all uses of your account or the Equipment with or without your knowledge or consent. Advanta reserves the right to access your account in order to respond to your requests for technical support.

5. Confidentiality; Proprietary Rights

5.1 Each Party (the "Receiving Party") understands that the other Party (the "Disclosing Party") has disclosed or may disclose business, technical, or financial information relating to the Disclosing Party's business (hereinafter referred to as "Proprietary Information" of the Disclosing Party). Proprietary Information of Advanta includes non-public information regarding features, functionality, and performance of the Services. Proprietary Information of User includes non-public data, software, code, information, feedback, suggestions, text, input, content and other materials that User upload, post, deliver, provide or otherwise transmit or store to Advanta to enable the provision of the Services ("User Data"). The Receiving Party agrees: (i) to take reasonable precautions to protect such Proprietary Information, and (ii) not to use (except in performance of the Services or as otherwise permitted herein) or divulge to any third person any such Proprietary Information. The Receiving Party's obligations with respect to Proprietary Information shall continue for five (5) years following disclosure; provided, however, that with respect to any Proprietary Information that constitutes a trade secret under applicable law, such obligations shall continue for so long as such Proprietary Information remains a trade secret under applicable law. The foregoing obligations shall not apply to any information that the Receiving Party can document (a) is or becomes generally available to the public other than through a breach of this Agreement by the Receiving Party, (b) was in its possession or known by it prior to receipt from the Disclosing Party, (c) was rightfully disclosed to it without restriction by a third party, (d) was independently developed without use of any Proprietary Information of the Disclosing Party, or (e) is required to be disclosed by law.

5.2 User shall own all right, title, and interest in and to the User Data. Advanta shall own and retain all right, title, and interest in and to (a) the Services and Software and all improvements, enhancements, or modifications thereto, (b) any software, applications, inventions, or other technology developed in connection with the Services or support, and (c) all intellectual property rights related to any of the foregoing.

5.3 Notwithstanding anything to the contrary, Advanta shall have the right to collect and analyze data and other information relating to the provision, use, and performance of various aspects of the Services and related systems and technologies (including, without limitation, information concerning User Data and data derived therefrom), and Advanta will be free (during and after the term hereof) to (i) use such information and data to improve and enhance the Services and for other development, diagnostic, and corrective purposes in connection with the Services and other Advanta offerings, and (ii) disclose such data solely in aggregate or other de-identified form in connection with its business. No rights or licenses are granted except as expressly set forth in this Agreement.

6. Payment of Fees

6.1 User will pay Advanta the then applicable fees for the Services as set forth on the website or pricing page selected by User at the time of purchase (the "Fees"). If User's use of the Services otherwise requires the payment of additional fees, User shall be billed for such usage and User agrees to pay the additional fees in the manner provided herein. Advanta reserves the right to change the Fees or applicable charges and to institute new charges and Fees at the end of the Term or then current renewal term, upon thirty (30) days prior notice to User (which may be sent by email). If User believes that Advanta has billed User incorrectly, User must contact us no later than 60 days after the closing date on the first billing statement in which the error or problem appeared, in order to receive an adjustment or credit. Inquiries should be directed to our customer support department.

6.2 Advanta may choose to bill through an invoice, in which case, full payment for invoices issued in any given month must be received by us thirty (30) days after the mailing date of the invoice. Unpaid amounts are subject to a finance charge of 1.5% per month on any outstanding balance, or the maximum permitted by law, whichever is lower, plus all expenses of collection and may result in immediate termination of Services. User shall be responsible for all taxes associated with Services other than U.S. taxes based on Advanta's net income.

7. Term and Termination

7.1 Subject to earlier termination as provided below, this Agreement begins on the date User first subscribes to the Services and continues on a month-to-month basis (the "Term"), unless either Party requests termination at least thirty (30) days prior to the end of the then-current term.

7.2 In addition to any other remedies it may have, either Party may also terminate this Agreement upon thirty (30) days' notice (or without notice in the case of nonpayment), if the other Party materially breaches any of the terms or conditions of this Agreement. User will pay in full for the Services up to and including the last day on which the Services are provided. All sections of this Agreement which by their nature should survive termination will survive termination, including, without limitation, accrued rights to payment, confidentiality obligations, warranty disclaimers, and limitations of liability.

8. Warranty and Disclaimer

Advanta shall use reasonable efforts consistent with prevailing industry standards to maintain the Services in a manner that minimizes errors and interruptions in the Services. Services may be temporarily unavailable for scheduled maintenance or for unscheduled emergency maintenance, either by us or by third-party providers, or because of other causes beyond our reasonable control, but Advanta shall use reasonable efforts to provide advance notice in writing or by email of any scheduled service disruption. HOWEVER, WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE; NOR DO WE MAKE ANY WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICES. EXCEPT AS EXPRESSLY SET FORTH IN THIS SECTION, THE SERVICES ARE PROVIDED "AS IS," AND ADVANTA DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.

9. Limitation of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY, EXCEPT FOR BODILY INJURY OF A PERSON, ADVANTA AND ITS SUPPLIERS (INCLUDING BUT NOT LIMITED TO ALL EQUIPMENT AND TECHNOLOGY SUPPLIERS), OFFICERS, AFFILIATES, REPRESENTATIVES, CONTRACTORS, AND EMPLOYEES SHALL NOT BE RESPONSIBLE OR LIABLE WITH RESPECT TO ANY SUBJECT MATTER OF THIS AGREEMENT OR TERMS AND CONDITIONS RELATED THERETO UNDER ANY CONTRACT, NEGLIGENCE, STRICT LIABILITY, OR OTHER THEORY: (A) FOR ERROR OR INTERRUPTION OF USE OR FOR LOSS, INACCURACY, OR CORRUPTION OF DATA OR COST OF PROCUREMENT OF SUBSTITUTE GOODS, SERVICES, OR TECHNOLOGY OR LOSS OF BUSINESS; (B) FOR ANY INDIRECT, EXEMPLARY, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES; (C) FOR ANY MATTER BEYOND ADVANTA'S REASONABLE CONTROL; OR (D) FOR ANY AMOUNTS THAT, TOGETHER WITH AMOUNTS ASSOCIATED WITH ALL OTHER CLAIMS, EXCEED THE FEES PAID BY USER TO ADVANTA FOR THE SERVICES UNDER THIS AGREEMENT IN THE 12 MONTHS PRIOR TO THE ACT THAT GAVE RISE TO THE LIABILITY, IN EACH CASE, WHETHER OR NOT ADVANTA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

10. Miscellaneous

10.1 Assignment

You may not assign (nor delegate any rights or obligations under) this Agreement without Advanta's prior written consent, which may be withheld in Advanta's sole discretion, and any attempted assignment without such consent shall be null and void. Advanta may assign or delegate this Agreement, in whole or in part, to any person or entity at any time in connection with a reorganization, financing, merger, sale of assets, or other lawful business transaction.

10.2 Headings

The section headings in this Agreement are for convenience only and shall not be given legal effect.

10.3 Construction

If an ambiguity or question of interpretation arises, this Agreement will be construed as if drafted jointly by the Parties, and no presumption or burden of proof will arise based on authorship. The singular includes the plural and vice versa. "Include," "includes," and "including" mean "without limitation." References to sections, schedules, and Supplemental Agreements are to this Agreement unless otherwise specified. Headings are for convenience only and do not affect interpretation.

10.4 Indemnification

You agree to defend, indemnify, and hold Advanta harmless, including Advanta's affiliates, officers, employees, contractors, agents, and representatives, from and against any loss, damage, liability, claim, demand, cost, or expense (including reasonable attorneys' fees) arising out of or related to:

(1) your use of Services;

(2) your breach of this Agreement;

(3) any breach of your representations or warranties; or

(4) your violation of the rights of any third party, including intellectual property, privacy, contractual, or other rights.

10.5 Corrections

There may be information on Services that contains typographical errors, inaccuracies, or omissions. Advanta reserves the right to correct any errors, inaccuracies, or omissions and to change or update information on Services at any time, without prior notice.

10.6 Governing Law and Venue

This Agreement, your use of Services, and all aspects of Services shall be governed by and construed in accordance with the laws of the State of Washington, without regard to conflict-of-laws principles. With respect to disputes or claims not subject to arbitration or other agreed dispute resolution, and with respect to actions to enforce an arbitration award or seek injunctive or other equitable relief as permitted under Section 10.7, you agree to submit to the exclusive jurisdiction and venue of the state and federal courts located in Spokane, Washington.

10.7 Resolution of Disputes

In the event any dispute, controversy, or claim of any kind arising under, in connection with, or relating to this Agreement (each, a "Dispute") cannot be resolved through direct negotiations, such Dispute shall be resolved exclusively by final and binding arbitration. Such arbitration shall be conducted in Spokane, Washington and administered by the American Arbitration Association ("AAA") using its Commercial Arbitration Rules. If the claim under the Dispute is one million U.S. Dollars or less, then the arbitration shall be conducted by a sole arbitrator. If the claim under the Dispute is over one million U.S. Dollars, then the arbitration shall be conducted by three arbitrators. The procedure for selection of a sole arbitrator shall be in accordance with the Commercial Arbitration Rules. If three arbitrators are required, each Party shall appoint one arbitrator within twenty (20) days of receipt by respondent of a copy of the demand for arbitration. The two party-appointed arbitrators shall then agree on a third arbitrator within ten (10) days of the appointment of the second arbitrator. The costs of the arbitration, including fees to the AAA and for the arbitrator(s), shall be shared equally by the Parties, subject to apportionment or shifting in the arbitration award. In addition, the prevailing Party in arbitration shall be entitled to reimbursement by the other Party for its reasonable attorneys' fees incurred. The award rendered by the arbitrator(s) shall be final and binding on the Parties and may be entered and enforced in any court of competent jurisdiction. Judgment on the award shall be final and non-appealable. This arbitration provision shall not limit or affect the right of either Party to seek from any court having proper jurisdiction any injunctive or other equitable relief to prevent breaches of this Agreement for which money damages would not be a sufficient remedy or irreparable harm may result. The Party seeking such injunctive or other equitable relief shall not be required to secure or post any bond or surety in connection with such relief.

10.8 Entire Agreement

This Agreement constitutes the complete and exclusive statement of the agreement between you and Advanta regarding the subject matter addressed therein and supersedes prior agreements, communications, and understandings on that subject matter.

10.9 Acceptance; Electronic Execution

You accept and agree to this Agreement only by: (1) checking or clicking a box, button, or other entry on an Advanta website, modal, portal, or workflow indicating agreement with or acceptance of this Agreement; or (2) executing any Advanta document, agreement, or form that expressly references adoption, incorporation, or acceptance of this Agreement. If Advanta requires renewed acceptance of a material change to this Agreement or acceptance of any applicable Supplemental Agreements, such acceptance must be provided through one of the foregoing methods. Advanta may maintain electronic records of acceptance, including the version accepted, date and time of acceptance, and related account or transaction information, and such records shall be admissible to the fullest extent permitted by law to prove acceptance of this Agreement or any applicable Supplemental Agreements.

This Agreement may be executed electronically and/or in multiple counterparts (including via facsimile, clickthrough, checkbox, email, or other electronic transmission method), and the Parties agree to the use of electronic signatures complying with the U.S. federal ESIGN Act, the Uniform Electronic Transactions Act, or other applicable law. Each such counterpart shall be deemed an original, and all such counterparts together shall constitute one and the same instrument, duly and validly delivered and effective for all purposes.

10.10 Severability

If any provision of this Agreement is held to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect. The invalid, illegal, or unenforceable provision will be modified to the minimum extent necessary to make it valid, legal, and enforceable while preserving the Parties' original intent as closely as possible.