Terms of Service

Effective date: April 28, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("Customer", "you", or "your") and FPIAM LLC ("FPIAM", "we", "us", or "our"), governing your access to and use of the FPIAM identity and access management platform, including the web portal at portal.fpiam.io, the FPIAM API, and all related services (collectively, the "Service").

If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind that entity to these Terms. If you do not have such authority, you must not use the Service.

2. Description of Service

FPIAM provides a cloud-based identity and access management platform that enables organizations to manage users, roles, permissions, multi-factor authentication (MFA), API credentials, single sign-on (SSO), and related security controls across their applications and environments.

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice, except in cases of emergency or legal obligation.

3. Account Registration and Eligibility

To use the Service you must:

• Be at least 18 years of age or the age of legal majority in your jurisdiction
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly notify us of any unauthorized use of your account

You are responsible for all activity that occurs under your account. FPIAM is not liable for any loss or damage arising from your failure to maintain account security.

4. Acceptable Use

You agree not to use the Service to:

• Violate any applicable law or regulation
• Infringe the intellectual property or privacy rights of any third party
• Transmit malware, viruses, or any code designed to damage or interfere with any system
• Attempt to gain unauthorized access to any system, network, or data
• Interfere with or disrupt the integrity or performance of the Service
• Circumvent any security, rate-limiting, or access-control measures of the Service
• Resell or sublicense the Service without prior written consent from FPIAM
• Use the Service to build a competing product

We reserve the right to suspend or terminate accounts that violate these restrictions without prior notice.

5. Your Data

You retain ownership of all data, content, and information you submit to the Service ("Customer Data"). By using the Service, you grant FPIAM a limited, non-exclusive license to store, process, and transmit Customer Data solely to provide and improve the Service.

We will not sell, rent, or disclose your Customer Data to third parties except as required by law or as described in our Privacy Policy.

You are responsible for ensuring that your use of the Service, and the data you submit, complies with all applicable laws, including privacy laws governing the personal data of your end users.

6. Intellectual Property

The Service, including all software, user interfaces, documentation, and content created by FPIAM, is the exclusive property of FPIAM LLC and is protected by copyright, trademark, and other applicable laws. These Terms do not grant you any ownership rights in the Service.

Any feedback, suggestions, or ideas you provide regarding the Service may be used by FPIAM without obligation or compensation to you.

7. Fees and Payment

The Service is available under a free tier and paid subscription plans, as described on our pricing page. Paid plan terms are as follows:

• Billing: Subscriptions are billed in advance on a monthly or annual basis, depending on the plan selected.
• Taxes: Prices are exclusive of applicable taxes. You are responsible for any sales, use, or similar taxes imposed by your jurisdiction.
• Late Payment: Accounts with overdue balances may be suspended until payment is received.
• Refunds: Payments are non-refundable except as required by applicable law or as explicitly stated in a separate agreement.

We reserve the right to change pricing with at least 30 days' advance notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.

8. Free Tier and Trial

The free tier is provided "as-is" without any guarantees of uptime, support response time, or feature availability. FPIAM reserves the right to modify or discontinue the free tier at any time with 30 days' notice.

9. Confidentiality

Each party agrees to keep confidential any non-public information disclosed by the other party that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information. This obligation does not apply to information that is publicly available, already known to the receiving party, or independently developed without reference to the confidential information.

10. Disclaimers and Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. FPIAM DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE.

You acknowledge that no system is completely secure and that FPIAM cannot guarantee absolute security of your data.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FPIAM'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FPIAM IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

IN NO EVENT SHALL FPIAM BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, EVEN IF FPIAM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12. Indemnification

You agree to indemnify, defend, and hold harmless FPIAM LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any applicable law, or (d) your Customer Data.

13. Termination

Either party may terminate the agreement at any time. You may terminate by closing your account. FPIAM may terminate or suspend your access immediately if you violate these Terms or for any other reason with 30 days' notice.

Upon termination: (a) your right to access the Service ceases immediately; (b) you may export your Customer Data within 30 days of termination; (c) after 30 days FPIAM may delete your Customer Data from its systems. Sections 5, 6, 9, 10, 11, 12, and 15 survive termination.

14. Changes to These Terms

We may update these Terms from time to time. We will provide at least 30 days' notice of material changes by email (to the address on your account) or by a prominent notice in the portal. Continued use of the Service after the effective date of any changes constitutes acceptance of the revised Terms.

15. Governing Law and Disputes

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-law provisions. Any dispute arising from these Terms or your use of the Service that cannot be resolved informally shall be submitted to binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules, with the arbitration seated in Travis County, Texas, and proceedings conducted in English. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. Notwithstanding the foregoing, either party may seek emergency or preliminary injunctive relief from the state or federal courts located in Travis County, Texas to protect its intellectual property or confidential information, and each party irrevocably consents to the exclusive jurisdiction of those courts for such purposes.

16. General

• Entire Agreement: These Terms, together with the Privacy Policy and any order forms, constitute the entire agreement between you and FPIAM regarding the Service.
• Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force.
• Waiver: Failure to enforce any provision of these Terms shall not constitute a waiver of that provision.
• Assignment: You may not assign these Terms without FPIAM's prior written consent. FPIAM may assign these Terms in connection with a merger, acquisition, or sale of assets.

17. Contact Us

If you have any questions about these Terms, please contact us at:

FPIAM LLC
legal@fpiam.io