Terms of Service

Acceptance of Terms

These Terms of Service (“Terms”) govern your access to and use of the Accretive AI website at goaccretive.ai (the “Website”). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, you should not access or use the Website.

These Terms apply solely to your use of the Website. Services provided to clients by Accretive AI are governed by separate engagement agreements, including master service agreements, statements of work, and non-disclosure agreements, which are executed individually with each client.

Description of Website

The Website is an informational resource that describes the automation services offered by Accretive AI for private credit funds and financial services firms. All content on the Website is provided for general informational purposes only and does not constitute investment advice, financial advice, legal advice, or a solicitation of any kind.

Intellectual Property

All content, design, text, graphics, logos, icons, and other materials on this Website are the property of Accretive AI or its licensors and are protected by applicable intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any content from this Website without prior written consent from Accretive AI.

The Accretive AI name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of Accretive AI. You may not use such marks without our prior written permission.

Use Restrictions

You agree not to:

• Use the Website for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any systems, networks, or data connected to the Website
• Interfere with or disrupt the operation of the Website or any servers or networks connected to it
• Use automated systems, bots, or scripts to access the Website in a manner that sends more requests than a human could reasonably produce in the same time period
• Misrepresent your identity or affiliation when using the Website
• Use the Website to collect information about other users without their consent

AI & Responsible Use

Human Oversight

Every AI-generated output is designed to be reviewed by qualified professionals before it informs any investment decision, credit judgment, or client communication. Our systems augment professional judgment — they do not replace it. Final decision-making authority always remains with the human professionals who use our tools.

Transparency

We maintain structured audit trails for all AI agent operations. Clients can trace what data was ingested, what processing occurred, and how outputs were generated. We believe that explainability is a prerequisite for trust in AI-assisted financial workflows.

Data Stewardship

Client data processed through our AI systems is handled with strict confidentiality controls. We do not use client data to train AI models. The API terms of our AI infrastructure providers prohibit the use of API inputs for model training. All client data is subject to the confidentiality protections established in our engagement agreements.

Accuracy & Reliability

We design our systems with multiple validation layers, including formula integrity checks, source data verification, and exception flagging. Where AI outputs contain uncertainty or fall outside established patterns, we surface this explicitly rather than defaulting to false confidence. Our systems are built to flag anomalies, not to obscure them.

Proportionality

We apply AI where it demonstrably improves outcomes, efficiency, and accuracy. We do not automate processes where the risk-reward profile does not justify it, and we maintain a minimum return-on-investment threshold before recommending any automation to a client.

Evolving Standards

We actively monitor regulatory developments, industry standards, and best practices in AI governance as they apply to financial services. We adapt our practices as the landscape evolves and engage constructively with the ongoing development of responsible AI frameworks.

No Professional Advice

Nothing on this Website constitutes investment advice, legal advice, tax advice, or any other form of professional advice. Information about our services is provided for informational purposes only and should not be relied upon as a basis for any decision. You should consult qualified professionals for advice specific to your situation.

Disclaimer of Warranties

The Website is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the fullest extent permitted by applicable law, Accretive AI disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Website will be uninterrupted, error-free, secure, or free of harmful components, or that any defects will be corrected. We make no representations or warranties regarding the accuracy, reliability, or completeness of any content on the Website.

Limitation of Liability

To the maximum extent permitted by applicable law, Accretive AI, its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your access to or use of, or inability to access or use, the Website, regardless of the theory of liability.

In no event shall the total liability of Accretive AI to you for all claims arising from or related to the Website exceed one hundred dollars ($100).

Indemnification

You agree to indemnify, defend, and hold harmless Accretive AI, its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from or related to your use of the Website or your violation of these Terms.

Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law principles. Any dispute arising under or in connection with these Terms shall be resolved exclusively in the state or federal courts located in New York County, New York. You consent to the personal jurisdiction of such courts.

Modifications

We reserve the right to modify these Terms at any time at our sole discretion. Any changes will be posted on this page with an updated effective date. Your continued use of the Website after any such changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

General Provisions

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Accretive AI regarding your use of the Website, and supersede all prior and contemporaneous understandings, agreements, and communications, whether written or oral.

Waiver

The failure of Accretive AI to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Contact

If you have questions about these Terms of Service, please contact us:

Email: kd@goaccretive.ai

Accretive AI
New York, NY