Last Modified: October 23, 2025
This AI Terms of Use and Disclaimer (this “Agreement”) is a binding contract between you or the entity you represent (“User,” “you,” or “your”) and U.S. Chamber of Commerce Foundation (“Provider,” “we,” or “us”). This Agreement governs your access to and use of the Services.
THIS AGREEMENT TAKES EFFECT AT THE EARLIEST OF WHEN YOU (A) AFFIRMATIVELY ACKNOWLEDGE AND AGREE THAT YOU HAVE READ AND AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT WHEN PROMPTED, OR (B) ACCESS OR USE THE SERVICES (the “Effective Date”). BY AFFIRMATIVELY ACCEPTING AND ACKNOWLEDGING THAT YOU HAVE READ AND AGREE TO THE TERMS AND CONDITIONS OF THIS AGREEMENT WHEN PROMPTED, OR ACCESSING OR USING THE SERVICES, YOU (1) ACKNOWLEDGE THAT YOU HAVE READ AND UNDERSTAND THIS AGREEMENT; (2) REPRESENT AND WARRANT THAT YOU HAVE THE RIGHT, POWER, AND AUTHORITY TO ENTER INTO THIS AGREEMENT AND IF ENTERING INTO THIS AGREEMENT FOR AN ENTITY, THAT YOU HAVE THE LEGAL AUTHORITY TO BIND THAT ENTITY; AND (3) ACCEPT THIS AGREEMENT ON YOUR BEHALF OR ON BEHALF OF THE ENTITY YOU REPRESENT IF YOU ARE ENTERING INTO THIS AGREEMENT FOR AN ENTITY AND AGREE THAT YOU OR SUCH ENTITY, AS APPLICABLE, ARE LEGALLY BOUND BY ITS TERMS.
IF YOU DO NOT ACCEPT THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.
1. Definitions.
“Aggregated Statistics” has the meaning set out in Section 2(c).
“AI User Input” means information, data, materials, text, prompts, images, works, code, or other content that is input, entered, posted, uploaded, submitted, transferred, or otherwise transmitted by or on behalf of User through the Services.
“AI User Output” means information, data, materials, text, images, code, works, or other content generated by or otherwise output from the Services in response to an AI User Input.
“AI Feature” means any feature, functionality, or component of the Services that incorporates, uses, depends on, or employs any AI Technology.
“AI Technology” means any and all machine learning, deep learning, and other artificial intelligence technologies, including statistical learning algorithms, models (including large language models), neural networks, and other artificial intelligence tools or methodologies, all software implementations of any of the foregoing, and related hardware or equipment capable of generating various types of content (including text, images, video, audio, or computer code) based on user-supplied prompts.
“API” means any application programming interface Provider makes available in connection with the Services
“User Data” means AI User Input and AI User Output/information, data, and other content, in any form or medium, that is submitted, entered, posted, or otherwise transmitted by or on behalf of User through the Services, and any outputs based thereon or derived therefrom, including AI User Input and AI User Output. User Data does not include Aggregated Statistics.
“Losses” means losses, damages, liabilities, deficiencies, claims, actions, judgments, settlements, interest, awards, penalties, fines, costs, or expenses of whatever kind, including reasonable attorneys’ fees.
“Personal Information” means information that: (a) identifies or can be used to identify an individual (including, without limitation, names, signatures, addresses, telephone numbers, email addresses, and other unique identifiers); or (b) can be used to authenticate an individual (including, without limitation, employee identification numbers, government-issued identification numbers, passwords or PINs, user identification and account access credentials or passwords, financial account numbers, credit report information, student information, biometric, health, genetic, medical, or medical insurance data, answers to security questions, an individual’s internet activity or similar interaction history, inferences drawn from other personal information to create consumer profiles, geolocation data, an individual’s commercial, employment, or education history, and other personal characteristics and identifiers. User’s business contact information is not by itself deemed to be Personal Information.
“Privacy Policy” has the meaning set out in Section 5.
“Process” means to take any action or perform any operation or set of operations that the Services are capable of taking or performing on any data, information, or other content. “Processing” and “Processed” have correlative meanings.
“Provider IP” means the Services, and all intellectual property provided to User in connection with the foregoing. For the avoidance of doubt, Provider IP includes Aggregated Statistics and any information, data, or other content derived from Provider’s monitoring of User’s access to or use of the Services, but does not include User Data. Provider IP includes all modifications, enhancements, refinements, adaptations, customizations, improvements, and derivative works of the Services.
“Services” means the services provided by Provider under this Agreement that are available on Provider’s website at https://www.usefini.com/security/terms-of-service, including the AI Features and any APIs.
“Service Suspension” has the meaning set out in Section 2(e).
“Third-Party Claim” has the meaning set out in Section 8.
“Third-Party Products” means any products, technology, content, data, services, information, websites, or other materials that are owned by third parties and are included in, incorporated into, or accessible through the Services, including any third-party AI Technology.
2. Access and Use.
(a) Provision of Access. Pursuant to the terms and subject to the conditions of this Agreement, Provider hereby grants you a non-exclusive, non-transferable right to access and use the Services, to the extent Provider makes the Services available to you.
(b) Use Restrictions. You shall not use the Services for any purposes beyond the scope of the access granted in this Agreement. You shall not at any time, directly or indirectly (i) copy, modify, or create derivative works of the Services, in whole or in part; (ii) rent, lease, lend, sell, license, sublicense, assign, distribute, publish, transfer, or otherwise make available the Services; (iii) reverse engineer, disassemble, decompile, decode, or duplicate the Services, engage in model extraction, or otherwise attempt to derive or gain access to any source code, algorithm, model, model weights and parameters, or other underlying AI Technology or component of the Services, in whole or in part; (iv) access or use the Services to develop, train, or improve any other AI Technology; (v) use web scraping, web harvesting, web data extraction or any other method to extract data from the Services; (vi) remove any proprietary notices, if any, from the Services; (vii) use the Services to create or generate AI User Output, or use AI User Output in a manner, that you know or should know infringes, misappropriates, or otherwise violates any intellectual property right or other right of any person, or that violates any applicable law, regulation, or rule; or (viii) submit, enter, post, or otherwise transmit or Process any Personal Information through the Services.
(c) Aggregated Statistics. Notwithstanding anything to the contrary in this Agreement, Provider may monitor User’s use of the Services and collect and compile data and information related to User’s use of the Services to be used by Provider in an aggregated and anonymized manner, including to compile statistical and performance information related to the provision and operation of the Services (“Aggregated Statistics”). As between Provider and User, all right, title, and interest in Aggregated Statistics, and all intellectual property rights therein, belong to and are retained solely by Provider. You agree that Provider may use and make publicly available Aggregated Statistics to the extent and in the manner permitted under applicable law.
(d) Reservation of Rights. Provider reserves all rights not expressly granted to User in this Agreement. Except for the limited rights and licenses expressly granted under this Agreement, nothing in this Agreement grants, by implication, waiver, estoppel, or otherwise, to User or any third party, any intellectual property rights or other right, title, or interest in or to the Provider IP or Third-Party Products.
(e) Suspension. Notwithstanding anything to the contrary in this Agreement, Provider may temporarily or permanently, and without notice to User, suspend User’s access to any portion or all of the Services if: (i) Provider reasonably determines that (A) there is a threat or attack on any of the Provider IP; (B) User’s use of the Provider IP disrupts or poses a security risk to the Provider IP, to Provider, or to any other customer or vendor of Provider; (C) User is using the Provider IP for fraudulent or illegal activities; (D) Provider’s provision of the Services to User is prohibited by applicable law; or (F) User is using the Services in violation of the terms and conditions of this Agreement; or (ii) any vendor of Provider has suspended or terminated Provider’s access to or use of any third-party services or products required to enable User to access and use the Services (any such suspension described in subclause (i) or (ii), a “Service Suspension”). Provider will have no liability for any damage, liabilities, losses (including any loss of data or profits), or any other consequences that User may incur as a result of a Service Suspension.
3. User Responsibilities.
(a) Acceptable Use. The Services may not be used for unlawful, fraudulent, deceptive, offensive, obscene, indecent, abusive, offensive, harassing, violent, hateful, inflammatory, or otherwise objectionable activity. Using the Services to create, upload, or share content that violates third-party copyright, trademark, privacy, publicity, or other rights is prohibited. This may include, but is not limited to, entering text prompts designed to generate copyrighted, trademarked, or otherwise infringing content, uploading an input or reference image that includes a third party’s copyrighted content, generating text that plagiarizes third-party content, or using a third party’s personal information in violation of their privacy or data protection rights. You shall comply with all terms and conditions of this Agreement, all applicable laws, rules, and regulations, and all guidelines, standards, requirements, and policies that may be posted and/or communicated to you by Provider from time to time, which are hereby incorporated herein by reference.
(b) Account Use. You are responsible and liable for all uses of the Services resulting from access provided by you, directly or indirectly, whether that access or use is permitted by or in violation of this Agreement.
(c) Use of AI User Output. You are solely responsible for (i) evaluating (including by human review) AI User Output for accuracy, completeness, and other factors relevant to your use before using, distributing, or relying on the AI User Output and (ii) your decisions, actions, and omissions in reliance or based on the AI User Output.
(d) Accuracy of AI Technology. You acknowledge that:
(i) No Guarantee of Accuracy: Provider makes no guarantees, express or implied, regarding the accuracy, correctness, currentness, relevance, or reliability of the AI User Output.
(ii) Errors and Omissions: The Services may produce errors, incomplete results, or irrelevant responses based on the limitations of the underlying data and training processes. You agree that you will independently verify any important information before relying on it for decisions.
(e) Limitations of AI Technology. You acknowledge and accept the following limitations regarding the use of the Services:
(i) Generalized Outputs: The Services provide generalized information that may not be tailored to your specific circumstances, needs, or context. AI-generated content is not guaranteed to reflect the nuances of complex situations.
(ii) Non-Specific Advice: Neither the Services nor the AI User Output should not be considered professional, expert, or specialized advice in any areas, including, without limitation, law, finance, or technical matters. You are advised to consult a professional before making decisions based on AI User Output.
(f) Non-Real-Time Information: The Services do not access real-time data and are unable to provide current or up-to-the-minute information. AI User Output may be based on outdated or static data sources, and you assume the risk of relying on potentially obsolete information.
(g) Limited Understanding of Context: The AI Technology incorporated in the Services may misunderstand the context of certain inputs, leading to irrelevant, ambiguous, or incorrect AI User Output. You are responsible for providing clear and precise inputs in connection with the Services to minimize the risk of misinterpretation.
(h) Potential Biases in AI Technology. You acknowledge and agree that the AI User Output may reflect certain inherent biases, including but not limited to:
(i) Bias in Training Data: The AI Technology incorporated into the Services is trained on vast datasets that may contain cultural, social, or linguistic biases present in the source material. These biases can affect the fairness, neutrality, and appropriateness of responses.
(ii) Algorithmic Bias: The AI Technology incorporated into the Services relies on algorithms to identify patterns and generate responses. These algorithms may unintentionally amplify certain types of bias present in the training data, leading to skewed outputs.
(iii) Cultural and Demographic Bias: The AI Technology incorporated into the Services is not optimized for every culture, language, or demographic group. As such, AI User Output may disproportionately favor the language or context most prevalent in the training data, and responses may be less accurate for underrepresented groups or regions.
(iv) Moral and Ethical Neutrality: The AI Technology incorporated into the Services does not incorporate human ethical or moral reasoning and may generate responses that are inappropriate, offensive, or otherwise inconsistent with social norms or values. You agree to take responsibility for identifying and mitigating any such responses.
(i) Assumption of Risk. You agree to the following conditions regarding the use of the Services:
(i) Use at Own Risk: As further described in Section 7 of this Agreement, the Services and the AI User Output is provided “as-is” without warranties of any kind, either express or implied. You assume all risks associated with the use of AI User Output and acknowledges that Provider is not responsible for the consequences of any reliance on the information provided.
(ii) No Liability for Actions: Provider disclaims any liability for any actions or decisions you make based on AI User Output, including but not limited to financial, legal, business, or personal decisions.
(iii) Consultation with Experts: You acknowledge that the AI User Output is not a substitute for professional advice. In situations requiring specialized knowledge, you agree to consult appropriate experts before making decisions.
(j) Limitations of Liability. As further described in Section 9 of this Agreement, Provider disclaims any liability arising from the use of the Services and associated AI User Output, including but not limited to:
(i) Inaccuracies or Misrepresentations: Any inaccuracies, errors, or misrepresentations in the AI User Output;
(ii) Losses or Damages: Any direct, indirect, incidental, or consequential losses or damages resulting from your reliance on the AI User Output;
(iii) Third-Party Models: The AI Technology incorporated in the Services may incorporate or rely on third-party models or datasets, and Provider disclaims responsibility for any issues or biases originating from such third-party content.
(k) No Guarantee of Continuity. The Services are subject to changes, updates, or discontinuation without notice. The Provider does not guarantee the continued availability, performance, or accuracy of the Services in the future. You assume the risk of any disruptions, changes, or discontinuation of services.
(l) Passwords and Access Credentials. You are responsible for keeping your passwords and access credentials associated with the Services, if any, confidential. You shall not sell or transfer them to any other person or entity. You shall promptly notify us about any unauthorized access to your passwords or access credentials.
(m) Third-Party Products. The Services may permit access to Third-Party Products. For purposes of this Agreement, these Third-Party Products may be subject to their own terms and conditions which may be presented to you for acceptance by website link or otherwise. The Services may also include or incorporate Third-Party Products licensed or provided by third parties that require us to pass through additional terms to you. You shall comply with all such applicable pass-through terms, as such terms may be updated, modified, or added from time to time. We may add or remove Third-Party Products from time to time. If you do not agree to abide by the applicable terms for any Third-Party Products incorporated into the Services, then you should not access or use the Services.
4. Support. This Agreement does not entitle User to any support for the Services.
5. Privacy Policy. Provider complies with its privacy policy, available at https://www.uschamberfoundation.org/privacy-policy (“Privacy Policy”), in providing the Services. The Privacy Policy is subject to change as described therein. By accessing, using, and providing information to or through the Services, you acknowledge that you have reviewed and accepted our Privacy Policy, and you consent to all actions taken by us with respect to your information in compliance with the then-current version of our Privacy Policy.
6. Intellectual Property Ownership.
(a) Provider IP. User acknowledges that, as between User and Provider, Provider owns all right, title, and interest, including all intellectual property rights, in and to the Provider IP and, for Third-Party Products, the applicable third-party providers own all right, title, and interest, including all intellectual property rights, in and to the Third-Party Products.
(b) User Data. Provider acknowledges that, as between Provider and User, User owns all right, title, and interest, including all intellectual property rights, in and to the User Data, subject to the license granted herein. User hereby grants to Provider a non-exclusive, royalty-free, worldwide license to (i) reproduce, distribute, and otherwise use and display the User Data and Process the User Data as may be necessary for Provider to provide the Services to User and (ii) use, modify, and adapt AI User Input and AI User Output to train, develop, adapt, modify, enhance, or improve the Services and other products or services. Notwithstanding anything in this Agreement to the contrary, unless prohibited by applicable law, we may delete User Data at any time if we determine that User Data violates the terms of this Agreement or that deletion is necessary to comply with applicable law.
7. Warranty Disclaimer.
(a) User Warranty. You represent, warrant, and covenant that (i) you own or otherwise have and will have all necessary rights, permissions, and consents in and relating to the User Data (other than AI User Output) so that, as received by Provider and Processed in accordance with this Agreement, it does not and will not infringe, misappropriate, or otherwise violate any intellectual property rights, or any privacy or other rights of any third party or violate any applicable law, and (ii) no User Data contains or will contain any Personal Information.
(b) THE SERVICES AND AI CUSTOMER OUTPUT ARE PROVIDED “AS IS” AND PROVIDER SPECIFICALLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. PROVIDER SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT, AND ALL WARRANTIES ARISING FROM COURSE OF DEALING, USAGE, OR TRADE PRACTICE. PROVIDER MAKES NO WARRANTY OF ANY KIND THAT THE SERVICES, OR ANY AI USER OUTPUTS, WILL MEET YOUR OR ANY OTHER PERSON’S OR ENTITY’S REQUIREMENTS, OPERATE WITHOUT INTERRUPTION, ACHIEVE ANY INTENDED RESULT, BE COMPATIBLE OR WORK WITH ANY OF YOUR OR ANY THIRD PARTY’S SOFTWARE, SYSTEM, OR OTHER SERVICES, OR BE SECURE, ACCURATE, COMPLETE, FREE OF HARMFUL CODE, OR ERROR-FREE, OR THAT ANY ERRORS OR DEFECTS CAN OR WILL BE CORRECTED. YOU ACKNOWLEDGE THAT, GIVEN THE NATURE OF THE SERVICES AND AI TECHNOLOGY, AI USER OUTPUT (I) MAY BE INACCURATE, MISLEADING, BIASED, OR OFFENSIVE, (II) MAY BE THE SAME AS OR SIMILAR TO OUTPUT THE SERVICES GENERATE FOR OTHER USERS, (III) MAY NOT QUALIFY FOR INTELLECTUAL PROPERTY PROTECTION, AND (IV) MAY BE SUBJECT TO THIRD PARTY TERMS, AND (V) DO NOT NECESSARILY REFLECT, AND MAY BE INCONSISTENT WITH, PROVIDER’S AND THIRD-PARTY PROVIDERS’ VIEWS.
8. User Indemnification. User shall indemnify, hold harmless, and, at Provider’s option, defend Provider and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all Losses arising from or relating to any third-party claim, suit, action, or proceeding (a “Third-Party Claim”) (i) that the AI User Input, or other User Data other than AI User Output, or Processing or any other use thereof in accordance with this Agreement, infringes or misappropriates such third party’s intellectual property rights; or (ii) based on User’s negligence, willful misconduct or use of the Services in a manner not authorized by this Agreement and/or applicable laws; provided that User may not settle any Third-Party Claim against Provider unless Provider consents to such settlement, and further provided that Provider will have the right, at its option, to defend itself against any such Third-Party Claim or to participate in the defense thereof by counsel of its own choice.
9. Limitations of Liability. EXCEPT AS PROHIBITED BY LAW, IN NO EVENT WILL PROVIDER BE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, FOR ANY: (a) CONSEQUENTIAL, INCIDENTAL, INDIRECT, EXEMPLARY, SPECIAL, ENHANCED, OR PUNITIVE DAMAGES; (b) INCREASED COSTS, DIMINUTION IN VALUE OR LOST BUSINESS, PRODUCTION, REVENUES, OR PROFITS; (c) LOSS OF GOODWILL OR REPUTATION; (d) USE, INABILITY TO USE, LOSS, INTERRUPTION, DELAY OR RECOVERY OF ANY DATA, OR BREACH OF DATA OR SYSTEM SECURITY; OR (e) COST OF REPLACEMENT GOODS OR SERVICES, IN EACH CASE REGARDLESS OF WHETHER USER WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE. EXCEPT AS PROHIBITED BY LAW, IN NO EVENT WILL PROVIDER’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE EXCEED $1. The exclusions and limitations in this Section 9 do not apply to Provider’s gross negligence or willful misconduct.
10. Modifications. You acknowledge and agree that we have the right, in our sole discretion, to modify this Agreement from time to time, and that modified terms become effective on posting. You will be notified of modifications when you access the Services. You are responsible for reviewing and becoming familiar with any modifications. Your continued use of the Services after the effective date of the modifications will be deemed acceptance of the modified terms.
11. Export Regulation. The Services utilize software and technology that may be subject to US export control laws, including the US Export Administration Act and its associated regulations. You shall not, directly or indirectly, export, re-export, or release the Services or the software or technology included in the Services to, or make the Services or the software or technology included in the Services accessible from, any jurisdiction or country to which export, re-export, or release is prohibited by law, regulation, or rule. You shall comply with all applicable federal laws, regulations, and rules, and complete all required undertakings (including obtaining any necessary export license or other governmental approval), prior to exporting, re-exporting, releasing, or otherwise making the Services or the software or technology included in the Services available outside the US.
12. Governing Law and Jurisdiction. This agreement is governed by and construed in accordance with the internal laws of the District of Columbia without giving effect to any choice or conflict of law provision or rule that would require or permit the application of the laws of any jurisdiction other than those of the District of Columbia. Any legal suit, action, or proceeding arising out of or related to this agreement or the rights granted hereunder will be instituted exclusively in the federal courts of the United States located in the District of Columbia, and each party irrevocably submits to the exclusive jurisdiction of such courts in any such suit, action, or proceeding.
13. Miscellaneous. This Agreement, constitutes the entire agreement and understanding between the parties hereto with respect to the subject matter hereof and supersedes all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to such subject matter. Any notices to us must be sent to privacy@uschamber.com, and are deemed given upon receipt by us. Notwithstanding the foregoing, you hereby consent to receiving electronic communications from us. These electronic communications may include notices and other information concerning or related to the Services. You agree that any notices, agreements, disclosures, or other communications that we send to you electronically will satisfy any legal communication requirements, including that such communications be in writing. The invalidity, illegality, or unenforceability of any provision herein does not affect any other provision herein or the validity, legality, or enforceability of such provision in any other jurisdiction. Any failure to act by us with respect to a breach of this Agreement by you or others does not constitute a waiver and will not limit our rights with respect to such breach or any subsequent breaches. This Agreement is personal to you and may not be assigned or transferred for any reason whatsoever without our prior written consent and any action or conduct in violation of the foregoing will be void and without effect. We expressly reserve the right to assign this Agreement and to delegate any of its obligations hereunder.