Terms & Conditions

1. Introduction

These Terms & Conditions ("Terms") govern your access to and use of the Synergy AI platform ("Platform"), operated by Synergy AI SRL, a company registered under Belgian law with enterprise number 1034.271.705, having its registered office at Boulevard Saint-Michel 125, 1040 Brussels, Belgium ("Synergy", "we", "us", or "our").

By accessing or using our Platform, you agree to be bound by these Terms. If you disagree with any part of the Terms, you may not access the Platform.

2. Definitions

• "Platform" means the Synergy AI web application, APIs, and related services.
• "User" means any individual or entity that accesses or uses the Platform.
• "Organization" means the company or entity that subscribes to our services.
• "Content" means any data, text, documents, or materials uploaded to or generated by the Platform.
• "AI Services" means the artificial intelligence features including CIM generation, target discovery, and document analysis.
• "Credits" means the usage units consumed when using Platform features such as target discovery and CIM generation.
• "Credit Pack" means a one-time purchase of additional credits beyond your plan's monthly allowance.

3. Account Registration

3.1 Eligibility

You must be at least 18 years old and have the legal capacity to enter into binding contracts. If registering on behalf of an Organization, you represent that you have authority to bind that Organization.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must immediately notify us of any unauthorized use.

4. Subscription, Billing & Credits

4.1 Plans and Pricing

We offer tiered subscription plans (Professional, Team, Enterprise) with different features, seat limits, and usage allowances. Current pricing is displayed on our website and is denominated in EUR.

We reserve the right to modify pricing with 30 days' written notice to your registered email address. Existing active subscriptions continue at their current rate until the next renewal date following the notice period.

4.2 Free Trial

New subscriptions may include a free trial period (typically 7 days, which may be extended to 30 days with valid promotional codes). A valid payment method (e.g., SEPA direct debit mandate) is required to start a trial. A nominal verification charge (€0.01) may be applied to validate your payment method.

4.3 Billing

• Subscriptions are billed in advance on a recurring basis (monthly or annually) via our payment processor, Mollie B.V. (Netherlands).
• Annual plans are billed as a single upfront payment for the full year at a discounted rate.
• All fees are exclusive of applicable taxes (VAT). VAT will be applied where required by law based on your jurisdiction and business status.
• You are responsible for providing accurate billing information and maintaining a valid payment method.

4.4 Credits

Each plan includes a monthly credit allowance. Credits are consumed when using Platform features such as target discovery, CIM generation, and investor matching.

• Unused monthly credits roll over to the following month, capped at 2× your monthly allowance.
• Purchased credit packs are one-time payments, added immediately to your balance, and are exempt from the rollover cap.
• Credit packs are non-refundable once purchased.
• Regional pricing adjustments may apply (e.g., higher per-credit costs for jurisdictions requiring additional third-party data provider fees).

4.5 Payment Failures

If a scheduled payment fails, your subscription enters "past due" status. You will be notified by email and given 7 days to update your payment method.

• During the past-due period, access to paid features may be restricted.
• If payment is not resolved within 14 days, the subscription may be suspended or canceled.
• No automatic retry is performed; you must update your payment method or re-initiate payment from your account settings.

4.6 Promotional Codes

Promotional codes are subject to specific terms communicated at the time of the offer. Codes are single-use per Organization, non-transferable, and cannot be combined with other offers. We reserve the right to revoke codes that are fraudulently obtained or misused.

5. Cancellation and Refund Policy

5.1 Cancellation by You

You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period — you retain full access until then.

• No partial-period refunds are provided for monthly plans.
• For annual plans canceled mid-term, no refund is provided for the remaining months unless required by applicable law (see §5.2 below).

5.2 EU Right of Withdrawal (14 Days)

5.3 Satisfaction Guarantee (Post-Trial)

If you are not satisfied with the Platform after your first paid billing cycle, you may request a full refund of your most recent subscription payment within 7 calendar days of that payment.

• This guarantee applies once per Organization, to the first paid month (or first annual payment) only.
• To request a satisfaction refund, email support@masynergy.eu with a brief explanation. We may ask for feedback to help us improve, but the refund is not conditional on providing it.
• Refunds under this guarantee are processed within 30 days via your original payment method.
• This guarantee does not apply to credit pack purchases, which remain non-refundable.

5.4 Refunds for Service Failures

If a paid feature (e.g., CIM generation) fails due to a platform error after payment has been collected, we will automatically refund the associated charge.

• Automatic refunds are processed via Mollie to your original payment method within 5-10 business days.
• If an automatic refund is not received, contact support@masynergy.eu within 30 days of the failed service.

5.5 Billing Disputes

If you believe you have been incorrectly charged, contact us at support@masynergy.eu within 30 days of the charge. We will investigate and respond within 10 business days. If the dispute is resolved in your favor, a full or partial refund will be issued.

5.6 Cancellation by Us

• We may suspend or terminate your subscription if you breach these Terms, engage in prohibited use, or if payment cannot be collected after repeated attempts.
• In the case of termination for cause, no refund will be provided.
• In the case of service discontinuation by us (not for cause), we will provide at least 30 days' notice and a pro-rata refund for the unused portion of any prepaid period.

5.7 Post-Cancellation

After cancellation takes effect, your data remains available for export for 30 days. After this period, content may be deleted in accordance with our data retention policy. Account data is retained for 2 years per our Privacy Policy.

6. Acceptable Use & Prohibited Conduct

6.1 Acceptable Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You are solely responsible for the content you upload, the data you input, and how you use the outputs generated by the Platform.

6.2 Prohibited Uses

You may not use the Platform to:

• Generate misleading, deceptive, or fraudulent content
• Violate any applicable laws, regulations, or sanctions
• Infringe or misappropriate intellectual property rights of any third party
• Process personal data without proper legal basis under GDPR or applicable law
• Circumvent, disable, or interfere with usage limits, quotas, or security measures
• Attempt to gain unauthorized access to the Platform, other accounts, servers, or networks connected to the Platform (including hacking, password mining, or any other means)
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying algorithms of the Platform
• Scrape, crawl, or use automated means to extract data from the Platform beyond what is permitted by your plan and our APIs
• Upload, transmit, or distribute any files containing viruses, malware, trojans, worms, or other harmful or malicious code
• Upload content that is illegal, defamatory, obscene, or that promotes violence or discrimination
• Resell, sublicense, or provide access to the Platform to third parties without our written consent
• Interfere with or disrupt the integrity or performance of the Platform or its infrastructure
• Use the Platform in a manner that could damage, disable, overburden, or impair our servers or networks
• Use the Platform in violation of any applicable export control laws, trade sanctions, or embargo regulations, including those of the European Union, Belgium, or other relevant jurisdictions
• Provide access to or use the Platform for the benefit of any individual, entity, or country subject to EU or international sanctions

6.3 Fair Use & Rate Limits

Your use of the Platform is subject to fair use limits appropriate to your subscription plan. We reserve the right to throttle, rate-limit, or temporarily restrict access to any feature (including APIs) if usage patterns suggest automated abuse, excessive load, or behavior inconsistent with normal human use. We will use reasonable efforts to notify you before imposing any sustained restriction.

6.4 Export Controls & Sanctions

You represent and warrant that: (a) you are not located in, organized under the laws of, or a resident of any country or territory subject to comprehensive EU or international sanctions; (b) you are not designated on any EU, UN, or other applicable sanctions or restricted-party list; and (c) you will not use the Platform to facilitate transactions involving sanctioned parties or jurisdictions. We reserve the right to restrict or terminate access if we have reason to believe these representations are inaccurate.

6.5 Anti-Money Laundering

Given the nature of M&A transactions, you acknowledge that we may be subject to anti-money laundering (AML) and counter-terrorism financing (CTF) obligations under Belgian and EU law. We reserve the right to: (a) request additional identification or documentation from you or your Organization; (b) monitor account activity for suspicious patterns; (c) report suspicious activity to the Belgian Financial Intelligence Processing Unit (CTIF-CFI) or other competent authorities as required by law; and (d) suspend or terminate your account if we have reasonable grounds to suspect money laundering, terrorism financing, or other financial crime. Any such actions are taken without prior notice where required by law.

6.6 Enforcement

We reserve the right to investigate and take appropriate action against any suspected violations, including but not limited to: suspending or terminating your account, removing content, reporting activity to law enforcement, and pursuing legal remedies. Violation of this section may result in immediate termination without refund.

7. Use of AI Services

7.1 AI Limitations

7.2 No Guarantees

We do not guarantee the accuracy, completeness, timeliness, or suitability of AI-generated content. AI models may produce errors, omissions, or hallucinated information. Users are solely responsible for independently verifying all information before relying on it.

7.3 No Professional Advice

The Platform does not provide financial, legal, tax, or investment advice. AI-generated valuations, analyses, and reports are estimates based on available data and should not be treated as professional opinions. You should consult qualified advisors for any transaction-related decisions.

8. Your Content & Data

8.1 Ownership

You retain all rights to content you upload. By uploading content, you grant us a limited, non-exclusive license to process, store, and display it solely for the purpose of providing our services.

8.2 Generated Content

You own the outputs generated by the Platform based on your inputs, subject to any third-party rights in source materials. We make no representations regarding the suitability of generated content for any specific purpose.

8.3 Your Responsibility for Data

8.4 Content Removal

We reserve the right to remove or disable access to any content that we reasonably believe violates these Terms, applicable law, or the rights of third parties, without prior notice.

9. Intellectual Property

9.1 Platform IP

The Platform, including its design, algorithms, models, documentation, trademarks, and all related intellectual property, remains our exclusive property. These Terms grant you only a limited, revocable, non-exclusive, non-transferable license to use the Platform for its intended purpose during your active subscription.

9.2 Restrictions

You may not:

• Copy, modify, or create derivative works based on the Platform
• Use our trademarks, logos, or branding without written permission
• Remove or alter any proprietary notices or labels on the Platform

10. Data Protection

Our processing of personal data is governed by our Privacy Policy, which complies with the General Data Protection Regulation (GDPR) and Belgian data protection law.

11. Confidentiality

We treat your uploaded documents and generated content as confidential. We will not share, sell, or use your content for purposes other than providing our services, except as required by law or with your explicit consent.

12. Disclaimers

12.1 "As Is" Service

The Platform is 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, non-infringement, accuracy, or reliability.

12.2 No Warranty on Data or Outputs

We make no warranty that: (a) the Platform will meet your requirements; (b) the Platform will be uninterrupted, timely, secure, or error-free; (c) the results or outputs obtained from using the Platform will be accurate, complete, or reliable; or (d) any errors in the Platform will be corrected.

12.3 Service Availability & Modifications

We do not guarantee uninterrupted access. We may at any time, with or without notice: suspend or modify the Platform for maintenance, updates, security patches, or other operational reasons; add, modify, or remove features; change technical requirements. We are not liable for any modification, suspension, or discontinuance of any part of the Platform.

12.4 Third-Party Services

The Platform relies on third-party services (including AI model providers, payment processors, data providers, and cloud infrastructure). We are not responsible for the availability, accuracy, or performance of third-party services, and any outage or error in such services does not constitute a breach of these Terms by us.

12.5 Beta Features

Features marked as "Beta" or "Preview" are experimental and may be modified, degraded, or discontinued without notice. Beta features are provided without any warranty or service level commitment. See our Beta Program page for details.

13. Limitation of Liability

13.1 Liability Cap

To the maximum extent permitted by Belgian law, our total aggregate liability for any and all claims arising from or related to these Terms or use of the Platform shall not exceed the total fees actually paid by you in the 12 months immediately preceding the event giving rise to the claim.

13.2 Exclusion of Damages

In no event shall we be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data, including uploaded documents and generated content
• Loss of goodwill or reputation
• Cost of procurement of substitute services
• Business interruption or downtime costs
• Any damages arising from reliance on AI-generated content or valuations

These exclusions apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

13.3 Specific Disclaimers

Without limiting the above, we are specifically not liable for:

• Any decisions made or actions taken based on Platform outputs, including AI-generated valuations, CIMs, target recommendations, or financial analyses
• Loss or corruption of data you upload to or generate through the Platform
• Unauthorized access to your account resulting from your failure to safeguard credentials
• Content uploaded by you that infringes third-party rights or violates applicable law
• Service interruptions caused by circumstances beyond our reasonable control

13.4 Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from circumstances beyond our reasonable control, including but not limited to: natural disasters, pandemics, acts of government, war or terrorism, cyberattacks, power or telecommunications failures, third-party service outages, or labor disputes.

14. Indemnification

You agree to indemnify, defend, and hold harmless Synergy AI, its officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

• Your use of the Platform
• Your violation of these Terms or any applicable law
• Content you upload to or generate through the Platform
• Your infringement of any third-party rights
• Any misuse of AI-generated outputs, including use as professional advice

15. Governing Law, Disputes and Jurisdiction

15.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Belgium, without regard to conflict of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded.

15.2 Dispute Resolution

In the event of any dispute arising from or relating to these Terms, the parties agree to first attempt to resolve the matter through good-faith negotiation. Either party may initiate this process by sending a written notice describing the dispute to the other party. The parties shall have 30 calendar days from receipt of such notice to reach a resolution.

If the dispute is not resolved within this 30-day negotiation period, either party may then pursue formal legal proceedings as described below. This clause does not prevent either party from seeking urgent interim or injunctive relief at any time.

15.3 Jurisdiction

Any disputes arising from or in connection with these Terms that cannot be resolved through good-faith negotiation shall be submitted to the exclusive jurisdiction of the courts of Brussels, Belgium. This does not affect any mandatory consumer protection rights under applicable law, including the right to bring proceedings in the courts of your place of domicile.

16. General Provisions

16.1 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

16.2 Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Synergy AI regarding the Platform and supersede all prior agreements and understandings.

16.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by us.

16.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

16.5 Electronic Communications

By using the Platform, you consent to receiving communications from us electronically, including via email, in-app notifications, and Platform announcements. You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communications be in writing. It is your responsibility to keep your registered email address current and to regularly check for notifications.

16.6 Survival

The following sections survive termination or expiration of these Terms: §5 (Cancellation and Refund Policy, to the extent obligations remain), §7 (Use of AI Services), §8 (Your Content & Data), §9 (Intellectual Property), §11 (Confidentiality), §12 (Disclaimers), §13 (Limitation of Liability), §14 (Indemnification), §15 (Governing Law, Disputes and Jurisdiction), and §16 (General Provisions). Any other provisions that by their nature should survive termination shall also survive.

16.7 Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, employment, or agency relationship between you and Synergy AI. Neither party has the authority to bind the other or incur obligations on the other's behalf.

17. Free Valuation Tool

17.1 Data Processing

When you use our free business valuation tool, you authorize Synergy AI to process your company data (including data retrieved from public registries such as the BCE and NBB), your exit intention, and your contact details via its M&A scoring and valuation engine for the purpose of generating a personalized valuation estimate.

17.2 Sharing with Professional Counterparties

You authorize Synergy AI to share your contact details with professional counterparties (M&A advisors, investment banks, and similar financial professionals) solely to facilitate a potential sale process. No sharing will occur without your prior agreement to a specific introduction.

17.3 Data Retention

Valuation data is hosted in the European Union, encrypted at rest and in transit, and accessible only to your dedicated Synergy AI advisor. You may request deletion at any time under GDPR Article 17 by contacting support@masynergy.eu.

18. Changes to Terms

We may modify these Terms at any time. We will notify users of material changes via email or Platform notification at least 30 days before they take effect. Continued use of the Platform after the effective date of changes constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Platform and cancel your subscription.

19. Contact