Read this carefully. These Terms govern your use of the multipll website and platform. By using either, you agree to these Terms. If you are using multipll on behalf of a company, you represent that you are authorized to bind that company to these Terms.
On this page
1. Acceptance of these terms
These Terms of Service (“Terms”) form a binding agreement between you and Multipll, Inc., a Delaware corporation (“multipll,” “we,” “us”). By accessing the multipll website (the “Site”) or the multipll platform (the “Platform,” together with the Site, the “Service”), you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.
Customers who enter into a separate written agreement with multipll (a “Master Services Agreement” or “Order Form”) are governed primarily by that agreement; these Terms apply where the separate agreement is silent.
2. The service
multipll provides infrastructure that helps banks and other lenders make commercial credit decisions, and helps borrower-side users (typically CFOs and finance staff) understand and improve their credit profile. The Service includes the multipll platform and related tools, dashboards, and decision artifacts.
multipll is a software platform. We are not a bank, lender, broker, or financial advisor, and the Service does not constitute an offer of credit or a guarantee of credit approval.
3. Accounts and authorization
To use most features, you must create an account. You agree to (a) provide accurate, current information, (b) keep your credentials confidential, and (c) be responsible for all activity under your account. Notify us promptly at admin@multipll.com if you suspect unauthorized access.
If you connect a third-party data source (such as an accounting system, banking aggregator, or credit bureau) you represent that you are authorized to do so and that you have all necessary consents to share that data with multipll for the purposes described in our Privacy Policy.
4. Acceptable use
You agree not to:
- Use the Service for any unlawful purpose or in violation of these Terms.
- Submit information you do not have the right to submit, or information that is false, misleading, or fraudulent.
- Attempt to reverse engineer, decompile, or otherwise derive the source code, models, or proprietary methods of the Service.
- Probe, scan, or test the vulnerability of the Service except as expressly authorized in writing.
- Interfere with the integrity or performance of the Service, including by uploading malware, attempting denial-of-service attacks, or evading rate limits.
- Use the Service to build a competing product, or to train a machine-learning model on multipll-generated outputs.
- Resell, sublicense, or otherwise redistribute the Service without our written consent.
5. Customer content and data
You retain ownership of all data, content, and materials you submit to the Service (“Customer Data”). You grant multipll a limited, non-exclusive license to host, process, and use Customer Data solely to operate the Service for you, to support you, and to maintain and improve the Service in ways that do not identify you or your business to other customers.
multipll may use anonymized and aggregated information derived from Customer Data for analytics, benchmarking, and product improvement, provided that such information cannot reasonably be used to identify you, your business, or your counterparties.
6. Credit decisions and disclaimers
The Service produces decision artifacts that are intended as inputs into a credit decision. These artifacts are not, and must not be relied on as:
- a binding offer of credit;
- a guarantee that any bank will approve a particular application;
- a substitute for the independent judgment of a qualified credit officer; or
- investment, financial, legal, or tax advice.
Lenders that use the Service remain solely responsible for their own credit decisions, including compliance with the Equal Credit Opportunity Act, the Fair Credit Reporting Act, fair-lending obligations, adverse-action notice requirements, and all other applicable laws and regulations. Borrowers should consult their own advisors before relying on Service outputs.
7. Intellectual property
The Service, including all software, models, methodologies, user interfaces, and documentation, is owned by multipll or its licensors and is protected by intellectual-property laws. We reserve all rights not expressly granted to you. Feedback you provide may be used by multipll without obligation to you.
8. Fees and payment
Pricing for paid features is set out in your Order Form or other written agreement with us. Free or evaluation use of the Service may be modified or terminated at any time. All fees are non-refundable except as expressly stated. You are responsible for taxes other than those based on multipll’s net income.
9. Term and termination
These Terms apply for as long as you use the Service. We may suspend or terminate your access if you breach these Terms, if we are required to do so by law, or if continued provision of the Service to you would create a security or legal risk. You may stop using the Service at any time; the provisions that by their nature should survive (including Sections 5–15) will survive termination.
10. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULTIPLL DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT THE OUTPUTS WILL BE ACCURATE OR RELIABLE.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MULTIPLL AND ITS DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, EVEN IF MULTIPLL HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. MULTIPLL’S AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE FEES PAID BY YOU TO MULTIPLL IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
12. Indemnification
You will defend, indemnify, and hold harmless multipll from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your use of the Service in violation of these Terms, (b) Customer Data you submit, (c) your violation of any law or third-party right, or (d) any credit decision made by you or by a lender that uses the Service.
13. Governing law and disputes
These Terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute arising out of or related to these Terms will be resolved exclusively in the state or federal courts located in Delaware, and each party consents to personal jurisdiction there. The U.N. Convention on Contracts for the International Sale of Goods does not apply.
Nothing in this section limits either party’s right to seek injunctive relief in any court of competent jurisdiction.
14. General
These Terms, together with any Order Form, Privacy Policy, and other policies referenced here, are the entire agreement between you and multipll regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our consent; we may assign them to an affiliate or in connection with a corporate transaction. Notices to multipll must be sent to the address below; notices to you may be sent to the email associated with your account.
15. Contact
Multipll, Inc.
6200 Stoneridge Mall Rd Suite 300
Pleasanton, CA 94588
admin@multipll.com