Terms and Conditions

These Terms and Conditions ("Terms") govern your use of Minttu's AI-powered Excel analysis and automation platform ("Service") provided by Nova Impact Ltd. ("Company," "we," "us," or "our"). By accessing or using our Service, you agree to be bound by these Terms.

1. Definitions

2. Service Description

2.1 Platform Overview

Minttu provides an AI-powered platform that helps users analyze, automate, and enhance Excel spreadsheets and financial models through secure, real-time processing. Our Service includes:

2.2 AI Technology

Our Service utilizes advanced AI models to provide intelligent Excel assistance while maintaining strict security and privacy standards.

3. Acceptance and Eligibility

3.1 Agreement to Terms

By creating an account, accessing, or using our Service, you agree to be bound by these Terms.

3.2 Eligibility

You must be at least 18 years old and have the legal authority to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you are authorized to bind that entity.

3.3 Account Registration

You must provide accurate, current, and complete account information and maintain confidentiality of your credentials.

4. Data Security and Privacy

4.1 No Training on Your Data

We do not use your Excel files to train our AI. Your content remains fully your property.

4.2 Data Control

You retain full control and ownership of your data and can:

4.3 Security Standards

We apply financial-industry-grade protection:

5. Acceptable Use

5.1 Permitted Uses

Service is intended for:

5.2 Prohibited Uses

You agree not to:

5.3 Content Responsibility

You confirm that any uploaded data:

6. Subscription and Payment Terms

6.1 Paid Subscription

The paid subscription is priced at EUR 500 for one (1) month of subscription and use of the system from the installation date.

6.2 Billing and Payments

6.3 Usage & Fair Use

7. Intellectual Property

7.1 Your Content

You retain all IP rights to your Excel files and models. You grant us a limited license to process this content for Service delivery only.

7.2 Our Technology

Our platform, AI models, and technology are protected under IP laws. You may not copy, distribute, or modify our software or models.

7.3 AI-Generated Content

AI output is provided for your use, but may contain inaccuracies. You are responsible for verifying results before reliance or publication.

8. Service Availability and Support

8.1 Uptime

We aim to provide reliable access to Minttu but do not guarantee uninterrupted uptime. As our infrastructure depends on third-party AI providers, occasional disruptions or maintenance-related downtime may occur.

8.2 Performance

Our models follow Financial Modeling World Championship testing standards, but no model is guaranteed to be free from error.

8.3 Support

We offer support via email and web. Trial customers receive two sessions for official feedback.

9. Disclaimers and Limitations

9.1 "As Is" Disclaimer

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL IMPLIED WARRANTIES INCLUDING MERCHANTABILITY, FITNESS, AND NON-INFRINGEMENT.

9.2 AI Limitations

AI may make incorrect assumptions. You must validate any recommendations before using them for business or financial decisions.

9.3 Liability Cap

OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT PAID BY YOU FOR THE SERVICE IN THE PRECEDING 12 MONTHS.

9.4 Not Financial Advice

The Service supports technical and spreadsheet automation—not investment, legal, or financial advice.

10. Indemnification

You agree to indemnify and hold Minttu harmless against any claims arising from your misuse of the Service, content uploads, or violations of these Terms.

11. Termination

11.1 Your Right

You may cancel your account and delete your data at any time. You retain the right to export files.

11.2 Our Right

We may suspend or terminate access for violations, abuse, or non-payment. Reasonable notice will be provided when possible.

11.3 Consequences

Upon termination:

12. Updates and Changes

12.1 Service Improvements

We may add new features, fix bugs, or update models to improve user experience.

12.2 Terms Changes

We may update these Terms periodically. Material changes will be communicated, and continued use signifies acceptance. Previous versions are available upon request.

13. Compliance and Export Controls

13.1 Export Law Compliance

You agree to comply with all European Union and international export restrictions and regulations applicable to the Service.

13.2 Regulated Industries

If you operate in a regulated space, it's your responsibility to ensure Minttu is appropriate for your compliance environment.

13.3 Data Residency

We offer geographic flexibility in data processing where feasible to meet regulatory requirements.

14. Enterprise Agreements

14.1 Custom Contracts

Enterprise users may negotiate additional terms including:

14.2 API Terms

Use of Minttu's API must adhere to specific rate limits, security protocols, and authentication standards, as documented in our developer guidelines.

15. Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the Netherlands.

15.2 Dispute Process

Parties agree to attempt resolution informally. Unresolved disputes may be escalated to binding arbitration in accordance with Netherlands Arbitration Institute Rules.

15.3 Class Action Waiver

You waive the right to participate in class actions except where prohibited by law.

16. Miscellaneous

16.1 Entire Agreement

These Terms, our Privacy Policy, and any addenda constitute the full agreement between you and Nova Impact Ltd.

16.2 Severability

If any provision is unenforceable, the rest remain in effect.

16.3 Assignment

You may not assign this agreement without our written consent. We may assign rights to successors.

16.4 Force Majeure

We are not liable for events beyond our control, including outages due to natural disasters, war, or third-party failures.

17. Contact Information

For any questions regarding these Terms:

Email: team@minttu.ai

18. Early Stage Partnership Opportunities

Minttu is early in its journey and committed to building the best AI-powered Excel automation platform. We recognize that enterprise customers often have unique requirements, compliance needs, and integration challenges that may not be fully addressed by our standard offerings.

As we continue to develop our platform, we welcome the opportunity to work closely with enterprise partners to: