Terms of Service

1. The agreement

1.1Parties. These Terms of Service (the “Terms”) are a binding agreement between Enemo Consulting Group, Inc., a Texas corporation and a wholly owned subsidiary of The Ravine of Willows, Inc., 1412 Main St STE 609, Dallas, TX 75202, United States (“EnemoAi”, “we”, “us” or “our”), and the business that opens an EnemoAi account (the “Customer”, “you” or “your”). EnemoAi is also the name of the service; the context makes clear which is meant.

1.2How these Terms are accepted. The person who sets up the Customer’s account accepts these Terms for the Customer by ticking the box that presents them before choosing “Set up with WorkPair” (or by another acceptance step we present). Each Authorized User accepts them, for their own conduct, when they join or link an account, and again when we ask them to accept a new version. We record each acceptance: who accepted, which document, which version, when, and the network the acceptance came from.

1.3Authority. The person who accepts for the Customer represents that they are an owner or administrator of the Customer on WorkPair and are authorized to bind it. “You” means the Customer; Authorized Users are bound in their own capacity only for their own conduct.

1.4Business use only. The Service is offered only to businesses and other organizations, for use in their trade, business or profession, and not to consumers for personal, family or household purposes. It is offered to businesses in the United States and is not directed at businesses or people in the European Union, the European Economic Area or the United Kingdom.

1.5Documents that form the Agreement. The “Agreement” consists of these Terms and the documents they incorporate: the Acceptable Use Policy and the Data Processing Addendum (the “DPA”), together with the prices and quotes shown to you in the Service. The AI and Sources Notice, the Monitoring and Public Records Notice, the Privacy Policy, the Cookie Notice and the Subprocessors list are referenced notices that describe the Service and how we handle information; they are not contract terms. If documents conflict, this order controls: (a) the DPA, for the processing of personal data; (b) these Terms; (c) the Acceptable Use Policy. The one exception is the amount of a price: the Standard Price or Quote shown in the Service for a Question controls over any other document.

1.6Versions. The version and effective date appear at the top of this page. Section 27 explains how a new version takes effect.

2. Definitions

Capitalized words have these meanings. Other capitalized words are defined where they first appear.

• “Account” means the Customer’s EnemoAi account, including its Wallet, its Authorized Users and its settings.
• “Affiliate” means an entity that controls, is controlled by or is under common control with a party, where control means ownership of more than 50% of the voting interests.
• “Answer” means what the Service returns in response to a Question, including text, figures, tables, citations, follow-up suggestions, briefs, alerts, briefings and read-aloud audio.
• “Authorized User” means a person the Customer allows to use the Account: its Owner, and each Admin and Member who has joined. Roles are described in Section 5.
• “Business Data” means the information about the Customer’s own operations that it sends through the Data API or imports into the Service (Section 4.6), such as accounts and balances, transactions, ledger entries, invoices, bills, payroll totals, sales, inventory, customers and suppliers, KPIs and documents.
• “Credit” means the prepaid balance in the Wallet, expressed in US dollars.
• “Customer Data” means Inputs and Answers, Business Data and what the Service works out from it, the Customer’s company profile, watchlist, decisions, logos and photos, and any other information the Customer or its Authorized Users provide to the Service or the Service produces for them. Customer Data does not include Service Data or Sources.
• “Fees” means the prices of Questions charged to the Wallet and the price of the Monitoring subscription.
• “Free Month” means the promotional period described in Section 8.
• “Inputs” means Questions, documents uploaded for review, Business Data, and anything else an Authorized User or a Data API key submits to the Service.
• “Link” means Stripe’s merchant-of-record service through which Wallet top-ups and Monitoring are sold (Section 10).
• “Mode” means a way of asking: Mentor, Memo, Boardroom or Timeline, and any other mode we make available.
• “Monitoring” means the optional subscription described in Section 9: alerts about the business associates a Customer chooses to watch, Live Threat Alerts, the morning briefing and, if the Customer turns it on, live monitoring of its Business Data (Section 9.5).
• “Question” means a prompt an Authorized User submits for an Answer, including follow-ups and approved further research.
• “Quote” means a price for a specific Question, or for further research on it, that the Service shows before work begins (Section 7).
• “Service” means EnemoAi as we make it available from time to time, including the website, the app, the API, emails we send and the Answers.
• “Service Data” means information about the operation of the Service that does not reveal the content of Customer Data, such as the Mode used, the price, the computing cost, timings, counts and error states.
• “Sources” means the filings, public records and other materials the Service retrieves and cites, such as SEC filings and records published by U.S. courts and agencies.
• “Standard Price” means the price for a Question in a Mode that the Service shows before you ask (Section 6).
• “Wallet” means the Customer’s prepaid balance for the Service (Section 6).
• “WorkPair” means the WorkPair identity service operated by WorkPair Incorporated, and a “WorkPair ID” is a person’s or organization’s identity on it.

“Including” means “including without limitation”. Headings are for convenience. A reference to a Section is to a section of these Terms unless stated otherwise.

3. Accounts through WorkPair

3.1WorkPair is the only way in. EnemoAi has no passwords of its own; every business and person signs in through WorkPair. To set up an Account, a person must be at least 18 and (a) hold a WorkPair ID verified to identity assurance level 2, (b) share their legal name, verified email address and WorkPair ID with EnemoAi, and (c) hold the role of owner or admin in an organization that WorkPair reports as business-verified. The Account is created from WorkPair’s records: the Customer’s legal name, domain and WorkPair organization ID. To join an Account, a person must be at least 18, be invited by their WorkPair ID and prove on WorkPair that they are a member of that same organization.

3.2Accounts from before WorkPair-only sign-in. Passwords no longer work. A person whose Account was opened with a password links it by choosing “Continue with WorkPair”, which recognizes the Account by WorkPair’s verified email address, or is invited again by their WorkPair ID. They must meet Section 3.1 to keep using the Service.

3.3WorkPair’s role. WorkPair is operated by WorkPair Incorporated. Enemo Consulting Group, Inc. (which provides EnemoAi) and WorkPair Incorporated are both wholly owned subsidiaries of the same parent company, The Ravine of Willows, Inc., so they are affiliates under common ownership. Enemo Consulting Group, Inc. also owns the WorkPair technology and trademarks and licenses them to WorkPair Incorporated. They are distinct companies, and nothing is mingled between them. EnemoAi pays for WorkPair’s services and gets no special privileges or treatment. WorkPair is the only way to sign in to EnemoAi. WorkPair’s own terms govern your WorkPair ID. EnemoAi relies on what WorkPair confirms; we do not see identity documents or biometric data, which WorkPair handles under its own policies. Section 23 explains what happens when WorkPair reports a change.

3.4One Account per organization; accurate records. Each WorkPair organization may hold one Account. You must keep your records on WorkPair accurate; names, email addresses and the Customer’s legal name in EnemoAi come from WorkPair and refresh when Authorized Users sign in.

3.5Security of access. You are responsible for the Authorized Users you admit and for activity under the Account, except to the extent caused by our breach of the Agreement. Tell us promptly at hello@enemo.ai if you suspect unauthorized access. Sessions last up to 30 days. Signing out ends a session; “Sign out everywhere” ends every session on every device; and when WorkPair tells us you have signed out of WorkPair, your EnemoAi sessions end too. Handing over ownership, closing the Account in the app, wallet top-ups above US$500, and team changes (inviting, removing, or changing a role or spending limit) need a WorkPair sign-in from the last 15 minutes.

3.6Invitation-only periods. While we admit new businesses by invitation, setting up an Account needs a valid invitation code.

4. The Service

4.1What EnemoAi does. EnemoAi answers business questions with cited evidence. It retrieves passages from SEC filings and public records, gives them to an AI model with any documents you attach, lets the model search those Sources for more evidence within the price of the Question, and returns an Answer with citations and the date of the newest Source it relied on. The AI and Sources Notice describes how Answers are produced and their limits.

4.2Other features. The Service also lets you attach documents for review (kept for seven days), log decisions and be reminded to review them, replay a question as of a past date using only Sources available by that date, have Answers read aloud, and download your Customer Data. Monitoring is described in Section 9.

4.3Changes. We may change, add or remove features. If a change materially reduces the core functionality of asking Questions and receiving cited Answers, we will tell the Owner at least 30 days in advance, except where a change is needed sooner for security, legal or third-party reasons, and the Customer may, within 30 days after the change takes effect, end the Agreement and receive a refund under Section 11.4(d).

4.4Capacity and abuse limits. We may limit how much the Service is used, in total, per Account or per person, to protect its availability and costs; for example, the number of Questions, uploads, invitations and watchlist changes per hour or day. The app explains a limit when one is reached. When a limit stops a Question, the Question is not charged.

4.5No service levels. We work to keep the Service available, but we do not commit to a particular availability, response time or completeness of Sources, and planned or unplanned interruptions may occur.

4.6Business Data and the Data API. The Owner and Admins can connect Business Data by importing files or by creating Data API keys for the Customer’s own systems. (a) Read-only. The Service only reads Business Data. It never moves money, makes payments, posts to the Customer’s ledger or acts on any of its accounts, and we will not ask for credentials to do so. (b) Keys. A key is shown once, sends only the data types it was created for, can be revoked at any time, and each use is recorded in the security log. The Customer is responsible for keeping its keys secret and for what is sent with them until it revokes them; creating a key requires a fresh WorkPair sign-in. (c) What we refuse. Payroll is accepted only as totals by pay period, never records about individual employees, and customers and suppliers must be businesses, government bodies or nonprofits. (d) Use. Answers may draw on Business Data and cite it as the Customer’s own records, distinguished from public Sources. Forecasts, runway figures, covenant countdowns and warnings are estimates calculated from the Business Data the Customer provides, using the method the Service shows; they are only as accurate and current as that data, are not accounting, audit, legal or investment advice, and are not a statement of the Customer’s financial position. (e) Retention. Business Data is kept while the Account is open until the Owner or an Admin deletes it, and is deleted when the Account closes (Section 15.6).

4.7Follow-through drafts. After an Answer, an Authorized User can ask the Service to draft a letter to a lender, a memo to a board, a notice to a supplier or a financing package. (a) Price. Each kind of draft has a standard price shown before it runs, and a draft is priced, approved, capped and refunded under Sections 6, 7 and 11 exactly like a Question. (b) Grounded. A draft is written only from that Answer, its Sources, the Customer’s Business Data and knowledge profile (Section 4.8) and the user’s instructions; it cites them, and a figure the Service cannot match to a cited Source is marked for the user to confirm rather than shown as fact. (c) Never sent by us. The Service does not send, file, sign or deliver any draft to anyone. The user reviews, edits and sends it, and the Customer is responsible for its content once it does; a draft is not legal, tax, accounting or investment advice, and anything with legal effect, such as a notice under a contract, should be checked with the Customer’s own counsel. (d) Drafts are private to the user who asked for them and are kept until that user deletes them or the Account closes.

4.8What EnemoAi knows (the knowledge profile). The Service remembers facts it works out from the Customer’s Business Data, from contracts and loan agreements the Owner or an Admin keeps with it (their parties, covenants, renewal and termination dates and pricing terms, each with the sentence it came from), from the decisions a user logs and from the Service’s earlier Answers to that user, and what users tell it, and uses them in Answers and drafts. These facts are read by software and may be incomplete or wrong: the Customer can confirm, correct or dismiss each one, and a correction takes precedence. Covenant countdowns and contract-date warnings are raised only for terms a user has confirmed or corrected. Facts from a user’s own Answers and decisions are private to that user. The Service only reads contracts; it never acts under them.

5. Authorized Users, roles and privacy within your business

5.1Roles. Each Account has one Owner. The Owner manages billing (top-ups and the Monitoring subscription), may hand over ownership or close the Account, and accepts the DPA and new versions of these Terms for the Customer. Admins can do everything except billing, including inviting and removing Members. Members ask Questions from the shared Wallet and see what is shared with the team. There is no per-seat fee.

5.2Spending controls. The Owner or an Admin may set a per-Question spending limit for a person. Each person may raise their own automatic-approval limit or require approval for every Question (Section 7.3).

5.3Private by default. Each Authorized User’s Questions, Answers, uploaded documents and logged decisions are private to that person, including from the Owner and Admins, unless the author shares them with the team. The Owner and Admins can see who spent what, in which Mode and when, but not the Question, and they can see each person’s email address and when they last asked a Question. Members see each other’s names and roles only. The watchlist and alerts are shared across the Account. The Customer acknowledges this design and agrees that EnemoAi will not override it on the Customer’s behalf, except as required by law or as Section 15.4 allows.

5.4Security log. Each Account has an append-only security log of sign-ins and sign-outs, invitations, role and spending-limit changes, removals, ownership handovers, access ended by WorkPair, holds, bans and Account closure, showing who did what, when, and the network it came from (an IPv4 address shortened to its first three parts, or an IPv6 address to its first 48 bits). It also shows that a report was made to EnemoAi staff, but never who made it, who or what it was about, or why. The Owner and Admins can read it in the app. It never contains the content of Questions, entries cannot be edited or deleted, and it is kept after the Account closes.

5.5Reporting a teammate. Any Authorized User can report a teammate or a shared Answer to EnemoAi staff from inside the app. Only EnemoAi staff see who made a report and what it says; the Customer’s security log records only that a report was made. Reports identify an Answer by number and never copy the Question.

5.6Removing people. Removing an Authorized User ends their sessions at once and removes their name, email address, WorkPair identifiers and photo from the Account. The Questions, Answers and decisions they created stay with the Account, shown as from a former team member, and remain private unless they had shared them.

5.7Responsibility for Authorized Users. The Customer is responsible for its Authorized Users’ compliance with the Agreement.

6. Prices, the Wallet and the standard charge

6.1Pay per Question. The Service is paid per Question from the Wallet. There is no subscription for asking Questions. Each Mode has a Standard Price, shown in the app before you ask and on the wallet page. Prices are in US dollars.

6.1aOther currencies. If you choose to see amounts in another currency, those amounts are estimates, converted at a public reference rate whose source and date the app shows. Prices, Quotes, charges, top-ups, refunds and Credit are always in US dollars, and every bill is in US dollars. If an estimate and the US-dollar amount differ, the US-dollar amount applies. Your card issuer or bank may convert at its own rate and charge its own fees.

6.2Every Question is weighed first. Before any work starts, the Service estimates the work a Question needs. If the price that covers that work is at or below the Mode’s Standard Price, the Question runs and the Standard Price is charged, with no approval step. By using the Service you agree that Questions at the Standard Price run and are charged automatically. If more is needed, you receive a Quote first (Section 7), unless the price is within an automatic-approval limit the person asking has set (Section 7.3). A person who chose to approve every Question receives a Quote even at the Standard Price.

6.3Never more than you agreed. A Question is never charged more than its Standard Price or the Quote you approved. If it costs us more to run than estimated, we absorb the difference.

6.4Funds first. The Service never runs a Question on credit. If the Wallet does not cover the price, you are asked to top up first.

6.5What is free. Setting up the Account, company intake, inviting Authorized Users, viewing past Answers, logging decisions and declining a Quote are free.

6.6Receipts. Every charge, credit and top-up appears as a line in the Wallet history, tied to the Question or payment it relates to and showing who ran it, but not the Question’s text.

6.7The Wallet. The Wallet holds a prepaid balance of Credit that can be used only to pay for the Service. Credit (a) belongs to the Customer’s Account and is shared by its Authorized Users; (b) cannot be transferred to another Account or person, sold or pledged; (c) has no cash value and is not redeemable for cash, except as refunds under Section 11; (d) earns no interest, is not a deposit and cannot be used anywhere except EnemoAi; and (e) does not expire while the Account is open. Top-ups are between US$10 and US$2,000 each, and no more than US$2,000 in total for each Account in any 24 hours.

6.8Price changes. We may change Standard Prices and the Monitoring price. A change applies only to Questions asked, and Monitoring periods beginning, after the new price is shown in the Service; it never changes the price of a Question already charged or a Quote already approved. We will give the Owner at least 30 days’ notice of an increase in the Monitoring price.

7. Quotes, approvals and the cost ceiling

7.1Quotes. If a Question needs more work than its Mode’s Standard Price covers, the Service shows a Quote with the price for that Question and the basis for it (for example, the number of documents or Source excerpts to read). The Question runs only if the person who asked chooses Approve, or without asking if the price is within their automatic-approval limit (Section 7.3). Decline costs nothing. A Quote expires after 15 minutes. While the Account is on billing hold (Section 10.4), Quotes cannot be approved.

7.2Further research. While answering, the AI model may search the Sources for more evidence. If more research would exceed what the approved price covers, the Service pauses and shows a Quote for the extra amount (at least US$0.50, rounded up to the next US$0.10) with what it wants to check. Approve, and the extra amount is charged and the research continues. Decline, and nothing more is charged and the Answer is written from what was found. If a pause is left unanswered, everything charged for that Question, including further research already approved, is returned to the Wallet.

7.3Your approval settings. Each Authorized User may set an automatic-approval limit, so that Questions priced above the Standard Price but up to that amount run and are charged without a Quote, or may require approval for every Question, including those at the Standard Price. A spending limit set under Section 5.2 always applies.

7.4The cost ceiling. We set every price so that the estimated AI model cost of a Question is no more than 10.78% of its price, and we meter the AI model’s usage during each run against that amount. A run can end slightly above it (for example, to finish writing the Answer); if it does, we absorb the difference. The rest of the price covers our other costs, including payment processing, which we absorb, and our margin. The ceiling is our own pricing rule and the limit on how much AI work a price buys; it is not a promise of any particular amount of work, length or quality.

8. The Free Month

8.1Each new business receives one free month, once per WorkPair organization, starting when its Account is set up and lasting 30 days. During it, Questions are covered at their normal price instead of being charged to the Wallet. Questions above the Standard Price still show their price and still need Approve, unless they are within the asking person’s automatic-approval limit (Section 7.3).

8.2Each day of the Free Month, the Service tells you what the previous day’s use would have cost at normal prices, so you can see what your costs will be afterwards.

8.3The Free Month is a promotion. It has no cash value, cannot be extended, transferred or exchanged for Credit, and ends early if the Account is closed or suspended for breach. The capacity limits in Section 4.4 apply.

9. Monitoring subscription

9.1Optional. Monitoring is optional and only the Owner can start it. It covers alerts about the business associates the Customer lists (suppliers, customers, lenders, landlords, competitors and others), Live Threat Alerts, and a daily morning briefing. Questions asked from an alert are charged to the Wallet like any other Question. The Monitoring and Public Records Notice describes the sources, matching and limits.

9.2Price and trial. Monitoring is a monthly subscription at the price shown at checkout (currently US$550 per month). The first 30 days are free once per business. Unless cancelled before the trial ends, the subscription renews automatically each month and the payment method on file is charged the monthly price, plus any applicable tax, at the start of each period, until cancelled. We email the Owner at least 7 days before the trial ends, with the monthly price, the date of the first charge and how to cancel.

9.3Cancelling. The Owner can cancel at any time from the Watchlist (“Manage”), through Link, or by emailing hello@enemo.ai. Cancellation takes effect at the end of the current period; Monitoring continues until then. Closing the Account cancels Monitoring at once. Fees for a period already begun are not refunded, except under Section 11.4 or where the law requires.

9.4Email preferences. Alert and briefing emails go to Authorized Users by default; each person can switch them off in the app or with the one-click unsubscribe link in every email.

9.5Live monitoring of Business Data. Monitoring includes, at no extra price and within the same free trial, live monitoring of the Customer’s Business Data, which the Owner or an Admin may turn on or off at any time: a daily 13-week cash forecast with its assumptions shown, runway and covenant countdowns, warnings about cash, overdue receivables and customer or supplier concentration, and checks of the Customer’s customers, suppliers, banks and lenders against the public sources described in the Monitoring and Public Records Notice. It runs only while Monitoring is active or in its trial. Questions about Business Data are charged to the Wallet like any other Question; Business Data can be connected and used in Questions without Monitoring.

10. Payments, Link and taxes

10.1Link is the seller of record. Wallet top-ups and Monitoring are sold through Link, Stripe’s merchant-of-record service. Link processes the payment, calculates and collects any sales tax, VAT or GST, issues receipts and invoices, and provides transaction support, and its own terms apply to the payment transaction. Your statement shows the charge as “LINK.COM*” followed by our descriptor. We never receive your full card or bank account details. Link’s terms may give you a right to ask Link for a refund of a purchase within a period it sets (currently 60 days); if Link refunds a top-up, Section 10.4 applies.

10.2What the Wallet receives. The Wallet is credited with the top-up amount you choose, once Link confirms the payment. Delayed payment methods credit the Wallet only when the payment succeeds. Taxes and any currency conversion are added to the amount you pay and are not Credit.

10.3Taxes. Prices exclude taxes. Where Link collects tax, it does so at checkout. You are responsible for any other taxes on your purchases, other than taxes on our income. If a withholding tax applies, you will gross up the payment so that Link receives the full amount it charged, unless the law forbids it.

10.4Refunds and disputes of payments. If a top-up is refunded (by us or by Link) or disputed, the matching share of its Credit is removed from the Wallet. If that Credit was already used, the Wallet cannot go below zero, so the Account is placed on billing hold: no Question can be asked and no Quote approved until the shortfall is resolved. A shortfall is resolved by the next top-up, from which it is deducted first, or as we agree in writing; the hold lifts when no shortfall remains. If a dispute is decided in our favor, or closed without a chargeback, exactly the Credit removed for it is restored and the shortfall it caused is cancelled. If it is decided in your favor, the Credit stays removed. Please contact us before disputing a charge; we resolve billing questions quickly.

11. Credits, refunds and unused balance

11.1Automatic credits. Everything charged for a Question returns to the Wallet automatically if the Answer fails to complete, comes back with no citations at all, or stops before it is saved because the page was closed or the connection was lost, and when a research pause is left unanswered (Section 7.2). During the Free Month, the covered amount is reversed instead.

11.1aNot enough evidence. When the Sources the Service reads cannot support an answer to the core of a Question, the Service says so instead of guessing, tells you what evidence is missing and what would settle it, and returns everything charged for that Question, including further research already approved, to the Wallet automatically when the Answer finishes. During the Free Month, the covered amount is reversed instead. This applies when (a) the Answer states, in the form the Service records for this purpose, that there is not enough evidence to answer the Question, or (b) the Service’s own check of the Answer’s citations removes statements their Sources do not support and leaves the Answer’s conclusion without a supported citation. It does not apply to an Answer that answers the core of the Question and states that a particular part of it is not settled by the evidence; that Answer is charged normally. If you challenge an Answer in the app and the Service’s automatic re-check of its citations finds that its conclusion is not supported by them, the same return is made. Each charge is returned only once. If the same Authorized User asks the same Question again, in the same mode and without documents, within 24 hours after it ended for lack of evidence, the Service shows that Answer again at no charge instead of running it again. If the Service finds no evidence at all before a Question runs, it shows the price first, even at the standard price, and declining costs nothing.

11.2Answers you are unhappy with. Because each Answer uses computing resources the moment it runs, a completed, cited Answer is not refundable merely because you disagree with it. If you believe an Answer was defective (for example, its citations do not lead to the Sources described), email hello@enemo.ai within 90 days after the Answer is delivered; if we agree, we return the charge to the Wallet.

11.3Top-ups you have not used. If you ask within 14 days after a top-up, and no Question has been charged to the Wallet since that top-up, we refund that top-up in full.

11.4When we end the relationship. We refund the unused balance of purchased Credit, and the unused portion of a prepaid Monitoring period, if (a) we end the Agreement or close the Account for any reason other than the Customer’s breach; (b) we discontinue the Service; (c) the Customer ends the Agreement because of our uncured material breach (Section 23.3); (d) the Customer ends the Agreement within 30 days after a change under Section 4.3 or a new version of these Terms that materially and adversely affects it; or (e) the Customer ends the Agreement under Section 19.2 or Section 6.3 of the DPA.

11.5When you close your Account. When the Customer closes its Account, the unused balance of purchased Credit is refunded at once, without the Owner having to ask. An Account cannot be closed while a top-up is still being paid; and any money that reaches us for the Account after it closes (for example, a bank payment that clears late, a refund of a Question that was running, or Credit restored after a dispute) is refunded too. Promotional value (including the Free Month) is never refunded. If a top-up refunded at closure is also refunded by Link or reversed by a dispute, the Customer must repay the amount refunded twice.

11.6How refunds are paid. Refunds go back through Link to the payment method each top-up came from, newest top-up first. If that is not possible (for example, the card has expired or the payment network’s refund window has passed), we contact the Owner and refund by another lawful method, only to the Customer under its legal name as verified on WorkPair, never to a third party. If we cannot complete a refund after reasonable efforts, we hold it for the Customer and, where the law requires, report and deliver it to the State of Texas or another state as unclaimed property. Except for the refunds and credits these Terms expressly provide (including in Sections 7.2, 10.1, 11 and 19.2) and refunds the law requires, Credit and Fees are non-refundable.

11.7Accounts closed for breach. If we close an Account for the Customer’s material breach, unused Credit is first applied to amounts the Customer owes us, including losses its fraud or payment abuse caused us, and we refund any remainder.

12. AI Answers: what they are and what they are not

12.1Generated by AI. Answers are generated by an AI model from retrieved Sources and your Inputs. The model can misread a Source, combine facts incorrectly, miscalculate, rely on an outdated Source, or state something with more confidence than the evidence supports. Different Answers to the same Question can differ.

12.2Citations and freshness. Each substantive claim in an Answer is meant to carry a citation to the Source it rests on, and each Answer that cites a filing or public record shows the date of the newest one it used. A citation shows where information came from; it does not guarantee that the Source is accurate or complete, or that the Answer’s inferences from it are correct. Check the cited Source before relying on a claim.

12.3Not advice. EnemoAi provides information from public sources, not legal, investment, tax or accounting advice. EnemoAi is not a law firm, investment adviser, broker-dealer, accountant, tax preparer, credit rating agency or consumer reporting agency, and no professional relationship, fiduciary duty or duty of care beyond these Terms arises from using it. Answers are general information about what public records show, not recommendations tailored to your full circumstances, and must not be relied on as a substitute for advice from a qualified professional.

12.4Your business decides. Your business makes the final decision. You are solely responsible for evaluating Answers, for deciding whether and how to act on them, and for the consequences of those decisions.

12.5Analogies and roles. Answers describe what companies and executives did and wrote, as shown in Sources. They never role-play real people. Boardroom seats are generic roles, not real persons. Past outcomes do not predict future results.

12.6Replays. A replay restricts Sources to those dated on or before the replay date, but the AI model itself was trained on information that may postdate it. Replays illustrate; they are not proof of what was knowable at the time.

13. Your responsibilities

13.1You will (a) use the Service in compliance with the Agreement and applicable law; (b) have every right, consent and notice needed to submit Inputs, including any personal data, confidential information or third-party material they contain; (c) not submit Inputs you are prohibited from sharing, such as material covered by a confidentiality obligation that forbids it; and (d) review Answers with the care a prudent business would apply to research it did not verify itself.

13.2You will not submit to the Service: payment card numbers, full bank account numbers or bank account credentials, government identification numbers of individuals, health information, individual employees’ pay or personal details, or other sensitive personal information, except to the extent incidental to a business document you are entitled to share and necessary for your Question.

13.3If you share an Answer outside your business, you are responsible for how you present it, and you must not present it as EnemoAi’s professional advice or as an endorsement by EnemoAi.

14. Acceptable use

14.1You must comply with the Acceptable Use Policy. Among other things, it prohibits using EnemoAi to make or support decisions about individuals’ eligibility for credit, insurance, employment, housing or similar purposes; to monitor individuals; to harass or harm any person or business; or to circumvent the Service’s pricing, limits or security.

14.2We may investigate suspected violations and take the steps in Section 22. For serious or repeated violations we may ban a person’s WorkPair identity: a banned person cannot sign in, set up a business, join one or be invited, and their sessions end. We may also refuse future Accounts for the WorkPair organizations involved.

15. Customer Data and privacy

15.1How we use Customer Data. We use Customer Data only to provide, secure and support the Service for the Customer, to comply with law, and as the Customer instructs. We do not sell Customer Data, use it for advertising, or disclose it to other customers.

15.2No training; no cross-customer use. We do not use Customer Data to train AI models. Under Anthropic’s commercial terms, Anthropic, our AI model provider, does not train its models on what we send it or on what it returns. Customer Data is never used to answer another customer’s Questions. The tables holding each Customer’s content, Business Data, Data API keys, Wallet, watchlist, invitations and security log are isolated in the database by row-level security, and each person’s Questions, quotes, Answers, documents and decisions are private to them unless shared.

15.2aDecision dataset, only by consent. Contributing to EnemoAi’s decision dataset is off by default. If the Owner or an Admin allows it for the Customer, each Authorized User may separately opt in for the decisions they log. Each decision that user tags with a kind of move and reviews with an outcome rating then adds an anonymous record holding only the kind of move, the quarter it was logged, the review period and the rating; never the decision’s words, figures, the Customer, the user or the industry. The Customer grants EnemoAi a non-exclusive, royalty-free licence to use those records, while the consents stand, to show every customer how such moves turned out, only in totals of at least five and labeled as self-reported. This is the only use of Customer Data for other customers, and it is the Customer’s and the user’s instruction. Withdrawal by the user, the Owner or an Admin, removal of the user, or closure of the Account deletes the records at once (and from backups within 30 days). The consent wording each person agreed to is recorded with its version and date.

15.3Service Data. We may use Service Data to operate, price, secure and improve the Service (for example, to tune the estimator that sets prices). Service Data never includes the content of Questions, documents or Answers.

15.4Access by our personnel. Our personnel access Customer Data only when needed to provide support you request, to investigate a security incident, abuse or a suspected breach of the Agreement, or to comply with law, and only to the extent needed.

15.5Personal data. The DPA applies to personal data in Customer Data and forms part of the Agreement. Our Privacy Policy describes the personal information we handle as a business in our own right, such as account, billing and security information.

15.6Download and deletion. Every Authorized User can download, from the app, their own profile, their Answers and those shared with them, their decisions, the watchlist and their legal acceptances; the Owner and Admins also receive the company profile, the Wallet history, the security log and the Business Data (with the names and scopes of its Data API keys, never the keys). Nobody’s download includes a teammate’s private Answers or decisions. Uploaded documents are deleted seven days after upload, or sooner if removed. The Owner and Admins can delete Business Data at any time. When the Account closes, Customer Data is deleted at once, as Section 23.6 and the DPA describe.

15.7Legal requests. If a government or court asks us for Customer Data, we will refer it to you where we can and notify you before disclosing, unless the law forbids it or there is an emergency involving danger to a person; we disclose only what we are legally required to.

16. Intellectual property

16.1You own your Inputs and Answers. As between the parties, the Customer owns its Inputs and, to the extent the law allows them to be owned, the Answers generated for it. We assign to the Customer any rights we have in those Answers. Answers may quote or summarize Sources, which remain subject to their owners’ rights (many U.S. government records are in the public domain), and similar Answers may be generated for others asking similar questions; the Customer’s ownership does not extend to those.

16.2Your licence to us. The Customer grants EnemoAi a non-exclusive, worldwide, royalty-free licence, for the term of the Agreement and any retention period in the DPA, to host, copy, process, transmit and display Customer Data only as needed to provide the Service under Section 15 and the DPA.

16.3Our licence to you. Subject to the Agreement, EnemoAi grants the Customer a non-exclusive, non-transferable, non-sublicensable right, during the term, for its Authorized Users to access and use the Service for the internal business purposes of the Customer and its Affiliates. The Customer is responsible for that use.

16.4What we own. EnemoAi and its licensors own the Service, including its software, models, prompts, indexes, compilations of Sources, alert briefs, designs, and the EnemoAi name and marks. No rights are granted except as stated. You will not copy, reverse engineer or extract the Service’s indexes or compilations, or use the Service to build a competing product, except as the law allows despite this restriction.

16.5Feedback. If you give us suggestions or feedback, we may use them without obligation to you, provided we do not identify you or disclose your Confidential Information.

17. Confidentiality

17.1“Confidential Information” means non-public information one party (the “discloser”) discloses to the other (the “recipient”) that is marked confidential or that a reasonable person would understand to be confidential. Customer Data is the Customer’s Confidential Information; non-public details of the Service, its pricing methods and security are ours. It does not include information that (a) is or becomes public through no fault of the recipient; (b) the recipient knew without restriction before receiving it; (c) the recipient receives from a third party without a duty of confidentiality; or (d) the recipient develops independently.

17.2The recipient will use Confidential Information only to perform or exercise its rights under the Agreement, protect it with at least reasonable care, and disclose it only to its and its Affiliates’ personnel, contractors and subprocessors who need to know it and are bound by duties at least as protective. The recipient may disclose it when legally required, after giving the discloser prompt notice where lawful so the discloser can seek protection.

17.3These obligations last for the term and five years after it, and for trade secrets and Customer Data, for as long as they remain confidential or held by the recipient.

18. Third-party services and Sources

18.1The Service relies on third parties, including WorkPair for identity, Anthropic for the AI model, Link and Stripe for payments, and the publishers of the Sources. Our subprocessors are listed on the Subprocessors page. We are responsible for our subprocessors as the DPA provides.

18.2We do not control the Sources and are not responsible for their accuracy, completeness, timeliness or continued availability. A Source may be corrected, withdrawn or delayed by its publisher.

19. Warranties and disclaimers

19.1Mutual. Each party warrants that it is validly organized and has the authority to enter into the Agreement.

19.2Ours. We warrant that (a) we will provide the Service with reasonable skill and care in accordance with these Terms; (b) we will not materially reduce the security protections described in the DPA during a period you have paid for; and (c) the Service will charge only as Sections 6 to 11 describe. Your remedy for a breach of (a) or (b) is that we correct the problem, and if we cannot do so within a reasonable time, you may end the Agreement and receive a refund under Section 11.4. Your remedy for a breach of (c) is a credit or refund of the excess charge.

19.3Disclaimer. Except as expressly stated in the Agreement, the Service, the Answers and the Sources are provided “as is” and “as available”, and EnemoAi, its Affiliates and its licensors disclaim all other warranties, express, implied or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy and quiet enjoyment, and any warranty arising from course of dealing or usage of trade. EnemoAi does not warrant that Answers or alerts will be accurate, complete, current or free of error, that the Service will be uninterrupted, or that any outcome will result from using it.

20. Indemnities

20.1By EnemoAi. EnemoAi will defend the Customer against any claim by a third party alleging that the Service, as we provide it, infringes or misappropriates that party’s United States patent, copyright, trademark or trade secret, and will pay the damages, costs and reasonable attorneys’ fees finally awarded or agreed in settlement. This does not apply to claims arising from (a) Customer Data or Inputs; (b) the content of Sources or of Answers to the extent they reproduce or depend on Sources or Inputs; (c) use of the Service in breach of the Agreement or combined with anything we did not provide; or (d) modifications we did not make. If the Service is, or we believe it may be, subject to such a claim, we may obtain the right for you to continue using it, modify it to be non-infringing, or end the Agreement and refund under Section 11.4. This Section states our entire liability for infringement claims.

20.2By the Customer. The Customer will defend EnemoAi, its Affiliates and their personnel against any claim by a third party arising from (a) Customer Data or Inputs, including a claim that they infringe a person’s rights or were submitted without required rights, consents or notices; (b) the Customer’s or its Authorized Users’ use of the Service in breach of the Acceptable Use Policy or the law; or (c) any decision the Customer makes or action it takes based on an Answer or alert, including a claim by a business associate it watched, and including a claim alleging EnemoAi’s own negligence, except to the extent the claim arises from an Answer or alert that misstated the Source it cited, and will pay the damages, costs and reasonable attorneys’ fees finally awarded or agreed in settlement.

20.3Procedure. The indemnified party must notify the indemnifying party promptly of the claim (a delay excuses performance only to the extent it causes prejudice), give it sole control of the defence and settlement, and cooperate reasonably at its expense. The indemnifying party may not settle a claim in a way that admits fault by, or imposes an obligation other than payment on, the indemnified party without its consent, not to be unreasonably withheld. The indemnified party may join with its own counsel at its own cost.

21. Limitation of liability

21.1Indirect losses excluded. To the fullest extent permitted by law, neither party will be liable to the other for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, business, goodwill or anticipated savings, or loss or corruption of data (other than our obligation to restore it from what we hold), arising out of or relating to the Agreement or the Service, however caused and under any theory of liability, even if advised of their possibility. Without limiting this, EnemoAi is not liable for losses arising from any decision made, or action taken or not taken, in reliance on an Answer, alert or briefing.

21.2Cap. To the fullest extent permitted by law, each party’s total aggregate liability arising out of or relating to the Agreement and the Service will not exceed the greater of (a) the Fees the Customer paid or became liable to pay for the Service in the twelve months before the event first giving rise to liability and (b) one hundred US dollars (US$100). THE LIMITATIONS IN SECTIONS 21.1 AND 21.2 APPLY EVEN IF THE LIABILITY ARISES FROM THE NEGLIGENCE (OTHER THAN GROSS NEGLIGENCE) OR STRICT LIABILITY OF THE PARTY WHOSE LIABILITY IS LIMITED. Refunds of unused Credit owed under Section 11 are paid in addition to, and do not count toward, this cap.

21.3Exclusions. Sections 21.1 and 21.2 do not limit (a) the Customer’s obligation to pay Fees or repay Credit it used from a reversed payment; (b) a party’s obligations under Section 20; (c) liability for breach of Section 14 or the Acceptable Use Policy, or for infringement or misappropriation of the other party’s intellectual property; (d) liability for fraud, gross negligence or willful misconduct; or (e) liability that cannot be limited by law.

21.4Allocation of risk. The parties agree that these limitations reflect an informed allocation of risk, reflected in the prices, and apply even if a limited remedy fails of its essential purpose.

21.5Time limit. To the extent the law allows, a claim arising out of or relating to the Agreement must be brought within two years after the claim accrues; otherwise it is barred. This period is no shorter than Texas law allows (Tex. Civ. Prac. & Rem. Code § 16.070).

22. Suspension

22.1We may suspend an Authorized User’s access, or the Account, immediately and without liability if (a) we reasonably believe it is needed to prevent harm to the Service, to other customers or to any person; (b) we reasonably suspect fraud, payment abuse or a violation of the Acceptable Use Policy or the law; (c) a payment is reversed and the shortfall is unresolved (Section 10.4); (d) WorkPair reports a change described in Section 23.4; or (e) the law or a court requires it.

22.2We will limit a suspension to what the reason requires, tell the Owner the reason where we lawfully can, and lift it once the reason is resolved. Credit is not lost because of a suspension.

23. Term and termination

23.1Term. The Agreement starts when it is first accepted and continues until ended under this Section.

23.2By the Customer, at any time. The Customer may end the Agreement at any time by closing the Account: the Owner chooses “Close the account” in the app and confirms with a fresh WorkPair sign-in, or emails hello@enemo.ai from the Owner’s address and, once we have verified the request, we close it for them. A Monitoring subscription is cancelled at the same time.

23.3For breach. Either party may end the Agreement by written notice if the other materially breaches it and does not cure the breach within 15 days after notice describing it. We may end it immediately on notice for a serious violation of the Acceptable Use Policy, fraud or payment abuse. Either party may end it immediately if the other becomes insolvent, makes a general assignment for the benefit of creditors, or becomes subject to a bankruptcy, receivership or similar proceeding not dismissed within 60 days.

23.4Changes reported by WorkPair. If WorkPair reports that a person’s identity proof or consent has been withdrawn, that they are no longer a member of the Customer’s organization, or that they signed out of WorkPair, that person’s sessions end at once; in the first two cases they can no longer sign in to the Account. The Customer’s company information in the Service (legal name, domain, standing and profile) comes from its WorkPair organization and is changed only on WorkPair. If WorkPair reports that the Customer’s organization is not business-verified (including when it needs re-verification) or is suspended or closed, the Account is placed on hold until WorkPair reports it active and verified again, which lifts the hold automatically. During a hold, no Questions can be asked or Quotes approved, no Credit can be added and no Monitoring subscription can be started; nothing is charged for Questions, we pause billing of an existing Monitoring subscription, and nothing is deleted. Authorized Users can still sign in, read their Answers and download their data. If the Owner’s access ends this way, an Admin may contact us to arrange a new Owner after verification.

23.5By us, for convenience. We may end the Agreement for any reason with at least 30 days’ notice to the Owner, and will then refund under Section 11.4.

23.6Effect. When the Agreement ends, the right to use the Service ends and refunds are handled under Section 11. When the Account is closed, every Answer, decision, uploaded document, watchlist entry, alert, Quote and invitation is deleted, every Authorized User is de-identified and signed out, and the Owner receives an email confirming what was deleted, kept and refunded. What we keep is listed in the Privacy Policy (Section 9) and the DPA. Before closing, each Authorized User should download their data. Sections 2, 5.7, 6.3, 6.7(b) to (d), 10.3, 10.4, 11, 12, 13, 15, 16, 17, 19.3, 20, 21, 23.6 and 24 to 29, any accrued right to payment or refund, and any other provision that by its nature is meant to survive, survive.

24. Dispute resolution: arbitration and class-action waiver

24.1Talk to us first. Before starting an arbitration or court action, a party must send the other a written notice describing the dispute and the relief sought (to us: hello@enemo.ai and our address in Section 28). The parties will try in good faith to resolve it for 45 days after the notice is received. Limitation periods are tolled during that time.

24.2Agreement to arbitrate. Except as Sections 24.6 and 24.8 provide, every dispute, claim or controversy between the Customer (or an Authorized User) and EnemoAi arising out of or relating to the Agreement or the Service, including its formation, scope, enforceability or arbitrability, will be resolved by final and binding arbitration, except that a court decides disputes about the enforceability of Section 24.4.

24.3Rules and place. The Federal Arbitration Act governs this Section. The American Arbitration Association administers the arbitration under its Commercial Arbitration Rules. A single arbitrator decides, applying the governing law in Section 25, and may award any individual relief a court could award. The seat is Dallas, Texas, and hearings may be held by video. Each party bears its own attorneys’ fees, and AAA fees are allocated under its rules, unless the arbitrator awards fees under applicable law. Judgment on the award may be entered in any court of competent jurisdiction.

24.4No class or representative actions. Disputes are resolved only on an individual basis. Neither party may bring, join or take part in a class, collective, consolidated or representative action or arbitration, and the arbitrator may not consolidate claims of different customers or award relief to anyone not a party. If this Section 24.4 is found unenforceable for a claim, that claim (and only that claim) proceeds in court under Section 25.

24.5Jury waiver. To the extent any dispute proceeds in court, each party waives its right to a jury trial.

24.6Exceptions. Either party may (a) bring an individual claim in small-claims court within its jurisdiction; and (b) seek temporary or preliminary injunctive relief in court to protect its intellectual property or Confidential Information or to stop unauthorized access to the Service, pending arbitration.

24.7Confidentiality of proceedings. The arbitration and its outcome are confidential, except as needed to enforce the award or as the law requires.

24.8Opting out. The Customer may opt out of this Section 24 within 30 days after it first accepts a version of these Terms that contains it, by emailing hello@enemo.ai from the Owner’s address with the subject “Arbitration opt-out” and the Customer’s legal name and WorkPair organization ID. We confirm opt-outs by email. If the Customer opts out, disputes between EnemoAi and the Customer or any of its Authorized Users are resolved in court under Section 25, and Sections 24.1 and 24.5 still apply.

25. Governing law and venue

25.1The Agreement, and any dispute arising out of or relating to it or the Service, are governed by the Federal Arbitration Act and the laws of the State of Texas, without regard to conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transactions Act do not apply.

25.2Subject to Section 24, the state and federal courts located in Dallas County, Texas, have exclusive jurisdiction, and each party consents to their personal jurisdiction and venue.

26. Export controls and sanctions

26.1Each party will comply with U.S. export control and sanctions laws, including the Export Administration Regulations and the regulations of the Treasury Department’s Office of Foreign Assets Control. The Customer represents that neither it nor any Authorized User, nor any person owning 50% or more of it, is on a U.S. sanctions or restricted-party list or is located in, organized in or ordinarily resident in a country or region subject to comprehensive U.S. sanctions, and that it will not use, export or permit access to the Service in violation of those laws.

26.2We may suspend or end the Agreement immediately if continuing would violate those laws. In that case, refunds are made only to the extent the law permits.

27. Changes to these Terms

27.1We may update these Terms and the documents they incorporate. Each version shows its version and effective date. For a change that materially and adversely affects customers, we will notify the Owner by email and in the app at least 30 days before it takes effect, unless the change is required sooner by law or addresses a security risk, in which case it may be presented for acceptance under Section 27.2 sooner.

27.2A new version of these Terms, the Acceptable Use Policy or the DPA binds the Customer when its Owner accepts it in the app, and applies to an Authorized User’s own conduct when they accept it; the app asks for acceptance before further use. Until then, the version last accepted continues to apply, but the Service may be unavailable to anyone who has not accepted. Using the Service alone never accepts a new version. The Customer may reject a material adverse change by closing the Account under Section 23.2, with a refund under Section 11.4(d).

27.3The Privacy Policy, the AI and Sources Notice, the Monitoring and Public Records Notice, the Cookie Notice and the Subprocessors list describe how the Service works. An updated version takes effect when we post it, except that new Subprocessors follow the notice process in the DPA.

27.4A change to Section 24 does not apply to a dispute of which either party had notice before the change took effect.

28. Notices

28.1We give notices to the Customer by email to the Owner (and, for operational notices, to Admins), or in the app. The Customer gives notices to us at hello@enemo.ai, with a copy for legal notices to Enemo Consulting Group, Inc., Attn: Legal, 1412 Main St STE 609, Dallas, TX 75202, United States.

28.2An email notice is given when sent, unless the sender receives a delivery failure; a mailed notice is given on delivery.

29. General

29.1Assignment. Neither party may assign the Agreement without the other’s consent, except that either party may assign it, on notice, to an Affiliate or to a successor in a merger, acquisition or sale of all or substantially all of its assets or the business to which the Agreement relates, if the assignee agrees to be bound. Any other attempted assignment is void.

29.2Force majeure. Neither party is liable for failure or delay (other than in paying money) caused by events beyond its reasonable control, including outages of third-party infrastructure, AI model providers or public Sources, labour disputes, acts of government, war, terrorism, epidemics or natural disasters.

29.3Independent contractors. The parties are independent contractors. The Agreement creates no partnership, agency, fiduciary or employment relationship.

29.4No third-party beneficiaries. The Agreement confers no rights on anyone other than the parties, except that EnemoAi’s Affiliates and personnel may rely on Sections 20 and 21.

29.5Publicity. Neither party may use the other’s name or logo in marketing without written consent.

29.6U.S. government customers. The Service is commercial computer software and commercial computer software documentation provided with only the rights in these Terms, consistent with FAR 12.212 and DFARS 227.7202.

29.7Electronic records. Acceptance by ticking a box, notices by email and records kept electronically are valid and enforceable as signed writings.

29.8Severability and waiver. If a provision is held unenforceable, it is enforced to the maximum extent permissible and the rest remains in effect. A failure or delay to enforce a provision is not a waiver.

29.9Entire agreement. The Agreement is the entire agreement between the parties about its subject and supersedes all prior or contemporaneous agreements, proposals and representations about it. Terms in a purchase order or other Customer document do not apply, even if accepted. Amendments must be made under Section 27 or in a writing signed by both parties.

29.10Language. The Agreement is written in English, which controls over any translation.

30. Contact and version history

Questions about these Terms: hello@enemo.ai, or Enemo Consulting Group, Inc., Attn: Legal, 1412 Main St STE 609, Dallas, TX 75202, United States.

• 2026-11-01: first version.
• 2026-11-01.2: company information from WorkPair; holds (Section 23.4).
• 2026-11-01.3: Business Data and the Data API (Sections 2, 4.6, 13.2, 15); live monitoring of Business Data included in Monitoring (Section 9.5).
• 2026-11-01.4: the decision dataset, only by the Customer’s and each user’s consent (Section 15.2a).
• 2026-11-01.5: amounts shown in another currency are estimates; billing is always in US dollars (Section 6.1a).
• 2026-11-01.6: follow-through drafts, which the Service never sends (Section 4.7), and the knowledge profile, including contracts the Service reads (Section 4.8).
• 2026-11-01.7: not enough evidence: when the Sources cannot support an answer to the core of a Question, the charge returns to the Wallet automatically (Section 11.1a).