Terms of Service

Effective date: August 17, 2026 · Last updated: August 17, 2026

These Terms of Service (“Terms”) govern access to and use of the regentforge.ai website, the RegentForge application, the free public-document diagnostic, and related services (collectively, the “Service”) provided by RegentForge (“RegentForge,” “we,” “us”). By using the Service, you agree to these Terms on behalf of yourself and, where applicable, the institution you represent (“Customer”).

Order of precedence. If Customer has signed an order form or services agreement with RegentForge (an “Order Form”), the Order Form governs to the extent it conflicts with these Terms.

1. The Service

RegentForge provides policy gap-analysis software for banks and other regulated financial institutions. The Service maps policy documents to publicly available U.S. regulatory sources — including OCC, Federal Reserve, FDIC, and CFPB materials — and produces findings with CFR citations where the source is retrieved, together with draft language for review. Two layers are offered: a free diagnostic limited to documents the institution has already made public, and licensed access for analysis of internal policy documents under an Order Form.

2. Eligibility and Authority

The Service is intended for regulated financial institutions and their authorized personnel. You represent that you are at least 18, that you are using the Service for your institution’s internal business purposes, and that you have authority to bind that institution to these Terms and any Order Form you accept.

3. License and Acceptable Use

Subject to these Terms and any Order Form, RegentForge grants Customer a limited, non-exclusive, non-transferable, non-sublicensable right to access and use the Service during the applicable term for Customer’s internal compliance purposes. Customer will not, and will not permit anyone to:

• resell, sublicense, or provide the Service to third parties, or use it to provide services to third parties;
• copy, modify, or create derivative works of the Service, or reverse engineer it except to the extent the law permits notwithstanding this restriction;
• circumvent usage limits or security controls, probe or scan the Service other than through interfaces we provide, or interfere with its operation;
• upload content Customer lacks the right to submit, or unlawful or malicious content;
• use the Service to develop a competing product, or publish benchmarks of the Service without our prior written consent.

4. Customer Content

Customer retains all right, title, and interest in documents and data it submits to the Service (“Customer Content”). Customer grants RegentForge a limited, non-exclusive license to host, process, and analyze Customer Content solely to provide and support the Service for Customer and as permitted by the Privacy Policy. RegentForge will treat Customer Content as Customer’s confidential information, will not use it to provide services to any other customer, and will delete it as described in the Privacy Policy and any Order Form. Customer is responsible for the accuracy and lawfulness of Customer Content and for ensuring it has all rights and consents needed to submit it.

5. Outputs; Professional Review Required

As between the parties, Customer owns the findings, reports, and draft language the Service generates for Customer (“Outputs”), excluding the underlying software, models, templates, and regulatory source materials. Outputs are generated with the assistance of artificial-intelligence systems and may contain errors, omissions, or statements that do not reflect current law.

6. Fees, Orders, and Payment

Paid access is governed by an Order Form. Fees, license term, asset band, payment schedule, and any pilot credit are as stated in the Order Form. Unless the Order Form says otherwise, fees are invoiced annually in advance, payable within thirty (30) days of invoice by ACH or another method we agree to, are exclusive of applicable taxes (which Customer pays, other than taxes on our income), and are non-refundable except as expressly stated. We may suspend licensed access for invoices more than thirty (30) days past due after written notice. Public pages of the website do not state prices; pricing is established only in an Order Form.

7. Confidentiality

Each party may receive non-public information of the other in connection with the Service (“Confidential Information”). The receiving party will use the disclosing party’s Confidential Information only to perform under these Terms, will protect it with at least reasonable care, and will not disclose it except to personnel and service providers who need it and are bound by confidentiality obligations, or as required by law with notice to the disclosing party where legally permitted. Customer Content is Customer’s Confidential Information; the non-public elements of the Service are RegentForge’s.

8. Publicity

RegentForge will not identify Customer by name or logo as a customer, or describe Customer’s use of the Service publicly, without Customer’s prior written consent.

9. Intellectual Property

The Service — including software, models, interfaces, documentation, templates, and branding — is owned by RegentForge or its licensors. Except for the limited rights expressly granted, no rights are transferred. Customer may provide feedback voluntarily, and RegentForge may use it without restriction; feedback never includes Customer Content.

10. Warranties and Disclaimers

RegentForge warrants that it will provide the Service with reasonable skill and care. EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE AND ALL OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” AND REGENTFORGE DISCLAIMS ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION. REGENTFORGE DOES NOT WARRANT THAT USE OF THE SERVICE WILL RESULT IN COMPLIANCE WITH ANY LAW OR REGULATION OR IN ANY EXAMINATION OUTCOME.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, OR DATA, EVEN IF ADVISED OF THE POSSIBILITY; AND (b) EACH PARTY’S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE FEES PAID OR PAYABLE BY CUSTOMER FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY (OR, FOR FREE USE, ONE HUNDRED U.S. DOLLARS). THESE LIMITS DO NOT APPLY TO A PARTY’S BREACH OF SECTION 7 (CONFIDENTIALITY), CUSTOMER’S PAYMENT OBLIGATIONS, OR EITHER PARTY’S INDEMNIFICATION OBLIGATIONS, OR TO LIABILITY THAT CANNOT BE LIMITED BY LAW.

12. Indemnification

Customer will defend and indemnify RegentForge against third-party claims arising from Customer Content or Customer’s use of the Service in violation of these Terms or applicable law. RegentForge will defend and indemnify Customer against third-party claims that the Service, as provided by RegentForge and used as permitted, infringes that third party’s intellectual-property rights; if such a claim arises, RegentForge may modify the Service, procure the necessary rights, or terminate the affected Service and refund prepaid unused fees. Each indemnity is conditioned on prompt notice, control of the defense by the indemnifying party, and reasonable cooperation.

13. Term, Suspension, and Termination

These Terms apply while you use the Service. Licensed terms run as stated in the Order Form. Either party may terminate for material breach not cured within thirty (30) days of written notice. We may suspend access immediately where reasonably necessary to protect the Service or comply with law, with notice as soon as practicable. Upon termination, Customer’s access ends, unpaid fees for the elapsed term become due, and Customer Content is deleted as described in the Privacy Policy. Sections that by their nature should survive — including 4, 5, 7, 8, 9, 10, 11, 12, and 14 — survive termination.

14. Governing Law and Disputes

These Terms are governed by the laws of the Province of British Columbia and the federal laws of Canada applicable therein, without regard to conflict-of-law principles. The courts located in British Columbia have exclusive jurisdiction, except that either party may seek injunctive or equitable relief in any court of competent jurisdiction. If RegentForge completes a corporate reorganization, the governing law and venue stated in the then-current Order Form will control for licensed customers.

15. General

These Terms and any Order Form are the entire agreement regarding the Service and supersede prior discussions. Neither party may assign these Terms without the other’s consent, except to a successor in a merger, acquisition, or sale of substantially all assets, with notice. Neither party is liable for delay or failure caused by events beyond its reasonable control. If a provision is unenforceable, the remainder stays in effect. Waivers must be in writing. Notices to RegentForge go to hello@regentforge.ai; notices to Customer go to the contact on the Order Form or the account email. We may update these Terms for website users by posting the revised version with a new effective date; material changes affecting licensed customers take effect as provided in their Order Form.

16. Contact

Questions about these Terms: hello@regentforge.ai. RegentForge, Vancouver, British Columbia, Canada.