Disclaimer: Annise is a technology platform and does not provide investment, legal, or tax advice. Performance calculations and insights are for informational and illustrative purposes only. Past performance is not indicative of future results. By using Annise, you grant Annise a limited, non-exclusive license to use, modify, and process your data solely for the purpose of providing and improving the Annise Services.

Policies:

Terms of Service

Last Updated: November 17th, 2025

Important – Acceptance of These Terms
By clicking “I Accept”, creating an account, or accessing or using the Annise platform, you agree to be bound by these Terms of Service and all terms incorporated by reference.
If you do not agree, do not use the Services.

1. Introduction
Annise, Inc. (“Annise,” “we,” “us,” or “our”) provides a cloud-based, AI-enabled wealth and expense management platform (the “Application”), along with www.annise.io
(the “Site”), related mobile applications, APIs, and associated services (collectively, the “Services”).
These Terms of Service (“Terms”) govern your access to and use of the Services.

2. Eligibility
You must be at least 18 years old and able to form a binding contract.
By accessing or using the Services, you represent that you meet these eligibility requirements.

3. Privacy
Your privacy matters to us. Please review our Privacy Policy at www.annise.io/privacy
which is incorporated into these Terms by reference.

4. Accounts and Security
You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account.
You must promptly notify us at support@annise.io
of any unauthorized access or security breach.
Family-office administrators and Platform Administrators are responsible for the actions of users they invite and for assigning appropriate permission levels.

5. Ownership of Data
All data you upload, link, import, or generate through the Services (“Customer Data”) remains 100% owned by you (or by your family office or institution, as applicable).
You grant Annise a limited, non-exclusive, royalty-free license to use, process, store, and display Customer Data solely to deliver and improve the Services and as otherwise described in the Privacy Policy.
Annise will never sell, rent, license, monetize, or use your Customer Data to train third-party AI models.

6. Fees, Billing, and Trials
Some features require a paid subscription. Except as expressly stated, all fees are non-refundable.
If offered, free trials automatically convert to paid subscriptions unless canceled before the trial period ends.
We may change pricing with at least 30 days’ prior notice.

7. Acceptable Use and Restrictions
You may not, and may not permit any third party to:

Use the Services for any unlawful purpose or to violate any person’s rights.
Reverse-engineer, decompile, or attempt to extract the source code of the Services.
Interfere with, disrupt, or degrade the integrity or performance of the Services.
Remove or alter any proprietary notices, labels, or legal markings.

8. AI Features and Third-Party Data
AI-powered features (including document extraction, reconciliation, categorization, insights, and related tools) are designed to assist you, but may produce errors, omissions, or incomplete information.
You should independently verify all AI outputs before relying on them.
Data obtained from banks, custodians, alternative asset platforms, or other third-party integrations is provided “as is.” Annise is not responsible for the accuracy, completeness, or timeliness of external data sources.

9. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT.
ANNISE DOES NOT PROVIDE FINANCIAL, INVESTMENT, LEGAL, TAX, OR ACCOUNTING ADVICE.
Any information, analytics, calculations, categorizations, or performance metrics generated through the Services are for informational purposes only and should not be relied upon as the sole basis for investment or financial decisions.
PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.

10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANNISE’S TOTAL LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE AMOUNTS YOU PAID TO ANNISE IN THE 12 MONTHS PRIOR TO THE EVENT GIVING RISE TO THE CLAIM.
IN NO EVENT WILL ANNISE BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, USE, OR BUSINESS INTERRUPTION.

11. Termination
We may suspend or terminate your access to the Services immediately if you breach these Terms or if required by law.
Upon termination, your right to use the Services ceases immediately.
Sections 5, 8, 9, 10, 11, 12, and 13 shall survive termination.

12. Dispute Resolution and Arbitration
Any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved exclusively by binding arbitration administered by the American Arbitration Association (“AAA”) in Salt Lake County, Utah.
You agree to waive any right to a jury trial and any right to participate in a class, collective, or representative action.

13. Governing Law
These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles.

14. Changes to the Terms
We may update these Terms periodically.
Material changes will be communicated by email or via in-app notification.
Your continued use of the Services after such updates constitutes acceptance of the revised Terms.

Important Info