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Last updated: April 1st, 2026
These Terms of Service (the “Terms”) are a contract between you and the applicable Waycore contracting entity (“Waycore,” “we,” “our,” or “us”), determined as follows: (a) if your principal place of business is in the United States, Waycore is Waycore, Inc., a Delaware corporation; (b) if your principal place of business is in the United Kingdom, the European Economic Area, Switzerland, or any jurisdiction other than the United States, Waycore is Waycore Ltd, a private company incorporated in England and Wales; and (c) if an Order Form or other written agreement between you and Waycore identifies a different contracting entity, that agreement controls.
By accessing or using Waycore’s software, application-programming interfaces (the “API”), websites, and any related documentation or support (collectively, the “Services”), you agree to be bound by these Terms. If you are accepting these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity. If you do not agree to these Terms, you must not access or use the Services.
1. Eligibility and Accounts
You must be at least 18 years old and have full power and authority to enter into these Terms. To use certain features you must create an account and provide accurate, complete, and current information. You are responsible for all activities that occur under your credentials and must keep them secure.
2. Changes to Terms or Services
We may update these Terms or the Services from time to time. Material changes will be posted on our website or sent to your account email at least 30 days before they take effect, unless immediate changes are required by law or to protect the security of the Services. Continued use after the effective date constitutes acceptance.
3. Description of Services
Waycore provides cloud‑based software and APIs that ingest and analyse bank, accounting, and related financial data; generate natural‑language responses; and deliver analytics dashboards, benchmarking reports, and machine‑learning outputs to business customers.
3.A. Your Authorized Representative
By using the Services, you appoint Waycore, including its employees and the automated systems they supervise, as your authorized agent and representative (“Authorized Representative”). This appointment is solely for the purpose of accessing your designated financial accounts and performing actions on your behalf as explicitly directed by you through the Services. You agree that all actions taken by Waycore as your Authorized Representative are considered to be your actions. You retain full responsibility for all instructions you provide to the Services. Waycore provides technical and operational support for your treasury functions. Waycore is not a bank, payment institution, or regulated payment service provider.
3.B. Delegated Access and Human Oversight
To use the Services, the user agrees to create and provide the company with dedicated access credentials (a “sub-user,” “delegate,” or similar profile with limited permissions) for the user’s financial accounts (“Delegated Access”). The user will not provide the company with the user’s primary or administrator login credentials. The user is responsible for creating and managing the permissions of this delegate profile within the financial institution’s platform.
- Service Profiles and Individual Access. The user acknowledges that the Delegated Access profile may be provisioned as a corporate or service user (a “Service Profile”). Where a financial institution’s terms require that access be exercised by an “individual,” the user agrees that the Service Profile operates strictly as a secure conduit for individual access. The company warrants that every session initiated through the Service Profile is directed by, and immutably attributed to, a specific, authenticated individual within the company’s organization.
- Named Officer Designation and Sub-Delegation. Should a financial institution technically prohibit a Service Profile naming convention during enrollment, the user authorizes the company to designate a specific company senior officer or accountable manager (the “Named Officer”) as the registered profile holder. The user expressly consents to the Named Officer sub-delegating the execution of portal actions to authorized company personnel. The company accepts full accountability for the actions of its sub-delegated personnel acting under the Named Officer’s profile.
- Human Oversight. While the Services use automated systems to assist in gathering and organizing information, all activities performed on the user’s behalf are subject to the oversight and final authority of the company’s trained human agents. The user authorizes these agents, acting as the user’s Authorized Representative, to supervise the automated systems and provide final approval for actions as required by the operational workflow. Where required by configuration or bank policy, the company will only prepare or stage transactions, requiring the user’s separate approval within the bank portal for execution.
3.C. Customer Compliance with Third-Party Terms
The user represents and warrants that it possesses the authority to appoint the company as its agent and to authorize the access models described herein. The user assumes sole responsibility for ensuring that this delegated access model does not violate any binding agreement between the user and its financial institutions. The company disclaims all liability for any suspension, termination, or disruption of portal access, or any freezing of the user’s accounts, arising from a financial institution’s enforcement of its portal terms against the models authorized by the user in Section 3.B.
4. Customer Data
“Customer Data” means any data, content, or materials that you or your authorised users, including Waycore acting as your Authorized Representative, submit to or generate through the Services, including bank transaction logs, accounting records, prompts, and files. You retain all rights in Customer Data, subject to the licences granted in Section 5. You represent that you have obtained all necessary rights and consents to provide Customer Data to Waycore and to appoint Waycore as your Authorized Representative to access it on your behalf.
5. Permitted Use of Customer Data
You grant Waycore a non‑exclusive, worldwide licence to host, copy, process, transmit, and display Customer Data solely as necessary to (i) provide and maintain the Services; (ii) detect, prevent, and resolve security or technical issues; and (iii) develop, train, and improve our models, algorithms, and features, only after Customer Data has been de‑identified and aggregated so that neither you nor any natural person or legal entity can be identified.
Waycore will not sell, disclose, or otherwise use raw, identifiable Customer Data for advertising or marketing purposes.
6. Privacy and Security
Our collection and use of personal data is governed by the Waycore Privacy Notice. We maintain administrative, technical, and physical safeguards designed to protect Customer Data consistent with applicable law and industry standards. Where relevant to a Customer’s compliance needs, our safeguards are designed to align with frameworks such as the GLBA Safeguards Rule and SOC 2 controls, and with U.S. state privacy requirements including CPRA, to the extent applicable.
7. Confidentiality
Each party agrees to protect the other party’s non‑public information using the same degree of care it uses to protect its own confidential information (but not less than reasonable care) and to use such information only to perform under these Terms. This duty survives for five (5) years after termination.
8. Acceptable Use
You will not (and will not allow anyone else to): (a) use the Services in violation of any applicable law; (b) attempt to reverse engineer, decompile, or discover the source code or underlying algorithms of the Services except to the extent such restriction is prohibited by law; (c) use the Services to develop or train competing models or services; (d) submit or store infringing, defamatory, or otherwise unlawful content; (e) interfere with or disrupt the Services or their integrity or performance; or (f) exceed rate limits or quotas specified by Waycore.
9. Fees and Payment
If your plan requires payment, you agree to pay all fees specified in an order form or price schedule. Fees are non‑refundable unless required by law. Late payments may accrue interest at 1.5 % per month or the maximum rate permitted by law.
10. Intellectual Property; Feedback
Except for Customer Data, Waycore and its licensors own all rights, title, and interest in the Services, including all intellectual‑property rights and training data generated under Section 5. If you provide feedback or suggestions, Waycore may use them without restriction or obligation to you.
11. Open‑Source and Third‑Party Software
The Services may include components subject to open‑source licences. Such components are provided to you under their respective licences, which shall govern your use to the extent required by those licences.
12. Term, Suspension, and Termination
These Terms commence when you first use the Services and continue until terminated. Either party may terminate for cause if the other party materially breaches these Terms and fails to cure within thirty (30) days’ notice.
Waycore may suspend your access immediately if needed to protect the Services or comply with law. Upon termination, your licence ends and you must cease use; Waycore will delete or return Customer Data within thirty (30) days, except that de‑identified, aggregated data created under Section 5 may be retained.
You may revoke Waycore’s Delegated Access at any time by removing or disabling the delegate user within your financial institution’s platform. Such revocation will immediately terminate Waycore’s ability to access your accounts, regardless of the status of these Terms.
13. Disclaimers
The Services are provided “as is” without warranties of any kind, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non‑infringement, or availability. Waycore does not warrant that the Services will be uninterrupted, error‑free, or free of harmful components, or that any output will be accurate or meet your requirements. Waycore does not warrant or guarantee that any financial institution will permit, accept, or continue to permit Delegated Access or the use of the Services. You acknowledge that financial institutions may, at their sole discretion, restrict, suspend, or terminate access to their platforms for any reason.
14. Limitation of Liability
To the maximum extent permitted by law, in no event will Waycore’s total liability arising out of or relating to these Terms exceed the amounts you paid (if any) to Waycore for the Services in the twelve (12) months before the event giving rise to the claim, or one hundred U.S. dollars (US $100) if no fees were paid. Waycore will not be liable for any indirect, incidental, consequential, special, or punitive damages, or for lost profits or revenues, even if advised of the possibility.
15. Indemnification
The user will defend, indemnify, and hold harmless the company, its affiliates, and their respective officers (including any Named Officer designated under Section 3.B(2)), directors, employees, and agents from and against any third‑party claims, damages, or expenses (including reasonable legal fees) arising from the user’s Customer Data, the user’s use of the Services in violation of these Terms, the user’s breach of Section 8, the user’s breach of any third-party terms of use (including those of the user’s financial institutions), or any misrepresentation regarding the user’s authority to appoint the company as the user’s Authorized Representative.
16. Export and Sanctions Compliance
You represent that you are not located in, organised under the laws of, or ordinarily resident in any country subject to comprehensive U.S. sanctions, and that you are not on any U.S. government list of prohibited or restricted parties. You will comply with all applicable export‑control and sanctions laws.
17. Governing Law and Dispute Resolution
These Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be governed by the laws of the jurisdiction of the applicable Waycore contracting entity, without regard to conflict-of-law principles. If you are contracting with Waycore, Inc., these Terms and any such dispute will be governed by the laws of the State of Delaware, and the state and federal courts located in Delaware will have exclusive jurisdiction. If you are contracting with Waycore Ltd, these Terms and any such dispute will be governed by the laws of England and Wales, and the courts of England and Wales will have exclusive jurisdiction. Before bringing any formal proceeding, the parties will first attempt to resolve the dispute in good faith. Each party consents to the personal jurisdiction and venue of the applicable courts identified above.
18. Miscellaneous
These Terms, together with any applicable Order Form, Statement of Work, Data Processing Addendum, service-specific terms, or other written agreement between the parties that incorporates these Terms or references the Services, constitute the entire agreement between the parties regarding the Services and supersede all prior or contemporaneous agreements, proposals, or understandings on that subject. In the event of a conflict, the order of precedence will be: (a) the applicable Order Form or other signed written agreement; (b) any Statement of Work, Data Processing Addendum, or service-specific terms; and (c) these Terms. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect. Neither party may assign these Terms without the other party’s prior written consent, except that Waycore may assign these Terms, in whole or in part, to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Any attempted assignment in violation of this Section will be void.
If you have any questions about these Terms, please contact Waycore at hello@waycore.com
