Terms of Service

1.1 "Audit" — A discrete reconciliation, verification, or semantic analysis workflow executed within STET against Customer Data, producing Audit Results and, upon completion, an Audit Log.

1.2 "Audit Log" — A structured export of processing results, integrity hashes, and match/discrepancy summaries. An Audit Log is a technical record of processing performed. It is NOT an audit opinion.

1.3 "Audit Results" — Matches, discrepancy flags, confidence scores, and summary metrics produced by STET's matching engine.

1.4 "Customer Data" — All files, documents, and data uploaded by you to STET for processing.

1.5 "Deterministic Output" — Output produced by rule-based algorithms that, given identical inputs and configuration, produce byte-identical results.

1.6 "Semantic Output" — Output produced by STET's ML-assisted semantic matching (Pass 2.5). Semantic Outputs are probabilistic and require human verification before any reliance.

STET provides: (a) deterministic transaction reconciliation; (b) document hash verification; (c) AI-assisted semantic matching (assistive only); (d) discrepancy flagging and triage; (e) audit log export.

STET expressly does NOT provide:

• Audit opinions under any auditing standard (GAAS, ISA, PCAOB, or other)
• Legal, regulatory, tax, or compliance advice
• Bookkeeping, accounting services, or financial statement preparation
• Regulatory certification or endorsement by any authority
• Guarantees of accuracy of Customer Data or Audit Results
• Final decision authority on business, compliance, or risk matters

Deterministic Outputs are reproducible given identical inputs. Semantic Outputs are probabilistic. All outputs reflect processing of Customer Data as provided — errors in your data produce errors in results.

An Audit Log is NOT: an audit opinion; a representation of data accuracy; a substitute for statutory audit; or evidence of regulatory compliance.

You are solely responsible for interpreting results and determining their suitability for your purposes.

You are solely responsible for: (a) accuracy and completeness of Customer Data; (b) having all rights to upload and process that data; (c) obtaining required consents for personal data; (d) reviewing all Audit Results before reliance; (e) all business, compliance, risk, and regulatory decisions.

STET provides information. You make decisions.

You shall absolutely not, under any circumstances:

• Upload data you are not authorized to process or possess.
• Misrepresent STET Audit Logs as statutory audits, accounting firm opinions, or regulatory certifications.
• Rely solely on Semantic Outputs (confidence scores) for regulated financial or compliance decisions without manual human verification.
• Use STET to develop, build, train, benchmark, or contribute to any competing product, service, matching algorithm, or machine learning model.
• Reverse engineer, decompile, disassemble, unscramble, decode, or extract the source code, logic, ML weights, embeddings, or underlying algorithms of STET.
• Bypass, disable, or defeat any technical constraints, usage limits, or security mechanisms in the STET application.

Any violation of this Article 5 will result in immediate, unappealable termination without refund and may subject you to statutory damages and injunctive relief.

You retain ownership of Customer Data. STET and its licensors exclusively own all rights, title, and interest in its software, algorithms, user interfaces, documentation, and the matching engine logic. You receive a limited, non-exclusive, non-transferable, revocable license to use STET solely for your internal business reconciliation workflows during an active subscription.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." STET EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ABSOLUTE ACCURACY OF RESULTS.

STET DOES NOT PROVIDE AND NOTHING IN THE SERVICE CONSTITUTES AN AUDIT OPINION, ATTESTATION, ASSURANCE, ACCOUNTING, OR LEGAL CERTIFICATION UNDER ANY AUDITING STANDARD OR REGULATORY FRAMEWORK.

USE OF THE SERVICE DOES NOT IMPLY, NOR CLAIM, REGULATORY APPROVAL, CERTIFICATION, OR ENDORSEMENT BY ANY GOVERNING BODY (e.g., SEC, FCA, FINRA, PCAOB).

TO THE MAXIMUM EXTENT PERMITTED BY LAW, STET AND ITS OFFICERS, DIRECTORS, OR AFFILIATES SHALL NOT BE LIABLE UNDER ANY LEGAL OR EQUITABLE THEORY (INCLUDING NEGLIGENCE) FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES, WITHOUT LIMITATION: LOST PROFITS, REVENUE LOSS, BUSINESS INTERRUPTION, REPUTATIONAL HARM, LOSS OF DATA, COST OF SUBSTITUTE SERVICES, OR ANY REGULATORY FINES, SEC ACTIONS, LAWSUITS FROM YOUR CLIENTS, OR PENALTIES ASSESSED AGAINST YOU DUE TO DISCREPANCIES, ERRORS, OR OMISSIONS IN YOUR FINANCIAL RECORDS.

STET's total aggregate cumulative liability to you for any and all claims shall be strictly and absolutely capped at the greater of: (a) the total fees paid by you to STET in the three (3) months immediately preceding the claim; or (b) One Hundred U.S. Dollars ($100.00).

You agree to entirely and unconditionally indemnify, defend, and hold harmless STET, its officers, employees, and affiliates from and against any and all claims, demands, lawsuits, regulatory enforcement actions, regulatory fines, structural damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees and legal defense costs) arising directly or indirectly from:

• Your use of and access to STET, including any data or file transmitted by you.
• Your violation of any term of these Terms of Service.
• Your violation of any third-party right, including privacy, security, or intellectual property rights.
• Any claim or lawsuit brought against STET by your clients, counterparties, or auditors relying on STET output.
• Any regulatory fine, penalty, or investigation (e.g., from the SEC, FINRA) directed at your financial practices or data handling.

YOU EXPRESSLY ASSUME ALL COMPLIANCE AND FINANCIAL RISKS ASSOCIATED WITH:

• Using STET for high-stakes decisions, statutory financial audits, SEC regulatory filings, M&A transactions, or legal proceedings.
• Discrepancies, missing entries, or fraudulent alterations in Customer Data that STET's engine might fail to detect.
• Using Audit Results without independent, item-by-item verification by your qualified human professionals.

STET owes no legal, accounting, or formal fiduciary duty. The relationship is purely contractual for self-service software provision. STET is a software tool, not an auditor, accountant, or financial advisor.

STET's semantic matching uses a pre-trained, frozen AI model that produces probabilistic outputs. AI outputs inherently may generate false positives or false negatives. They require mandatory human judgment to interpret and verify. They are provided "as is" without any warranty of accuracy or completeness.

You assume full liability for reviewing and verifying all AI-assisted outputs before reliance.

These Terms are governed strictly by the internal laws of the State of Delaware, without respect to its conflict of laws principles. Except for intellectual property disputes or unauthorized access claims (for which STET may seek immediate injunctive relief in any competent jurisdiction), all disputes shall be resolved by binding AAA arbitration in Wilmington, Delaware.

CLASS ACTION WAIVER & JURY TRIAL WAIVER: YOU AGREE THAT YOU MAY BRING CLAIMS AGAINST STET ONLY IN YOUR INDIVIDUAL CAPACITY, AND COMPLETELY WAIVE ANY RIGHT TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU ALSO ABSOLUTELY WAIVE YOUR RIGHT TO A TRIAL BY JURY.

Any claim must be filed within one (1) year of the incident, or it is permanently barred.

STET may modify these Terms at any time. Material changes will be noted via email or UI notification. Continued use after such modification constitutes absolute acceptance of the updated Terms.

15.1 Free Trial. New users receive a 14-day free trial beginning at account creation. The trial grants access to all features of the Trial tier as described at trystet.com/pricing. No credit card is required. Trial access terminates automatically on day 15.

15.2 Post-Trial Access. Upon trial expiration, access to processing features is suspended. Account data (audit history, profiles) is retained for 30 days. You may upgrade to Enterprise at any time by contacting sritej@trystet.com to reactivate access.

15.3 Enterprise Subscriptions. Enterprise access is activated via a Master Service Agreement (MSA). Pricing, renewal terms, and usage limits are defined in the MSA. STET reserves the right to suspend access for non-payment after 15 days written notice.

15.4 Acceptance of Terms. By creating an account and checking the acceptance box at signup, you confirm you have read and agree to these Terms and the Privacy Policy. This acceptance is recorded and timestamped in our systems. If you do not agree, do not create an account.

15.5 Account Termination. You may delete your account at any time via account settings or by emailing sritej@trystet.com. STET may suspend or terminate accounts that violate these Terms without notice or refund.

STET software and technology are subject to U.S. export control laws including the Export Administration Regulations (EAR) administered by the U.S. Department of Commerce. You represent and warrant that: (a) you are not located in a country subject to U.S. government embargo; (b) you are not listed on any U.S. government list of prohibited or restricted parties; and (c) you will not use STET in violation of any export control laws.

Violation of this Article is grounds for immediate account termination and may be reported to applicable government authorities.