Terms of Service

1. The Parties

These Terms of Service ("Terms") govern your use of the Hopstec Guardian platform (the "Service") operated by Hopstec Innovation SAS, 47 rue Vivienne, 75002 Paris, France (SIREN 106 448 988) ("Hopstec", "we", "us"). By creating an account, signing an order form, or using the Service, you ("Customer", "you") accept these Terms in full.

2. The Service

Hopstec Guardian is a fraud investigation and case management workspace combining AI-assisted analysis (spam, AML, identity-risk), durable workflow orchestration, evidence management, signal correlation, response playbooks and notification delivery. The Service is intended for professional use by fraud, trust & safety, AML compliance and security operations teams.

3. Accounts

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised access. We may suspend accounts that appear to be compromised.

4. Acceptable Use

You agree not to:

• Submit content you do not have the right to process or share.
• Use the Service to harass, defame or target identifiable private individuals outside of a legitimate fraud, security or compliance investigation.
• Attempt to reverse engineer, decompile or extract the source code of the Service.
• Interfere with the integrity, availability or security of the Service or its sub-processors.
• Bypass usage limits, rate limits or technical safeguards.

5. Customer Data & Ownership

Customer Data (case content, evidence, notes, configuration) remains the property of the Customer. The Customer grants Hopstec a limited, worldwide, royalty-free license to host, process and transmit Customer Data solely as necessary to provide the Service and to execute the workflows the Customer initiates. Hopstec does not use Customer Data to train AI models.

6. AI-Generated Verdicts

The Service uses AI agents (notably the Claude API operated by Anthropic) to produce risk verdicts, red-flag summaries and recommended actions. These outputs are decision-support signals, not deterministic conclusions. Investigators must apply human judgment before taking irreversible actions (account closure, transaction reversal, customer notification, regulatory filing). Hopstec is not liable for decisions made solely on the basis of AI output without analyst review.

7. Intellectual Property

All rights, title and interest in and to the Service, including the platform software, UI, branding, documentation and all related intellectual property, are and remain the exclusive property of Hopstec Innovation. The Service is proprietary software — not open source. Nothing in these Terms transfers ownership of any IP to the Customer.

8. Confidentiality

Each party shall protect the other's confidential information with at least the same degree of care it uses for its own confidential information and not less than a reasonable standard. This obligation survives termination of these Terms for three (3) years.

9. Service Availability

Hopstec uses commercially reasonable efforts to provide uninterrupted access to the Service. Scheduled maintenance and unforeseen incidents may occur. Specific availability commitments, if any, are detailed in your order form or in a separate SLA.

10. Fees & Payment

Fees are detailed in your active order form or subscription plan. Unless otherwise agreed, all fees are invoiced monthly or annually in advance and due within 30 days of invoice. Late payments may incur interest at the legal rate plus a fixed recovery indemnity of €40 (Article L. 441-10 of the French Commercial Code).

11. Limitation of Liability

To the maximum extent permitted by law, Hopstec's aggregate liability for any claim arising from these Terms or the Service shall not exceed the fees actually paid by the Customer in the twelve (12) months preceding the event giving rise to the claim. Hopstec shall not be liable for indirect, incidental, consequential or punitive damages, loss of profits or loss of data, even if advised of the possibility of such damages.

12. Termination

Either party may terminate these Terms for material breach by the other if such breach is not cured within thirty (30) days of written notice. Upon termination, the Customer's access to the Service ceases and Customer Data will be deleted within 90 days, except as required for legal retention.

13. Governing Law & Jurisdiction

These Terms are governed by French law. Any dispute arising from or in connection with these Terms shall be brought exclusively before the competent courts of the jurisdiction of the Paris Court of Appeal, notwithstanding any mandatory legal provisions to the contrary.

14. Updates to these Terms

We may update these Terms from time to time. Material changes will be communicated by email or via a notice in the application at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

15. Contact

Questions about these Terms? info@hopstecinnovation.com