Effective date: May 18, 2026 · Antifragile GRC LLC, a Texas limited liability company
Plain English summary: You pay for access to the platform. Your data is yours. You can export and leave at any time. We're not liable for your compliance decisions — you're the compliance officer, we're the tool. Disputes go to mediation then AAA arbitration in Texas.
These Terms of Service ("Terms") govern your access to and use of the Antifragile GRC compliance management platform ("Platform") provided by Antifragile GRC LLC ("Antifragile GRC", "we", "us"). By accessing or using the Platform, you agree to these Terms on behalf of yourself and the organization you represent ("Customer").
If you do not agree, do not use the Platform.
Antifragile GRC provides a cloud-based compliance management platform for community banks and financial institutions. The Platform includes obligation management, risk and control registers, control testing, board reporting, examination pack generation, and related compliance management tools.
We reserve the right to modify, update, or discontinue features of the Platform with reasonable notice. We will not materially reduce core functionality without at least 90 days' written notice.
Subscription plans are offered on a monthly basis, billed monthly, based on your organization's asset size as disclosed during onboarding.
90-day comfort period: During the first 90 days of your subscription, you may cancel with 30 days' written notice for any reason. You remain liable for fees accrued during the notice period. No annual commitment is imposed during the comfort period.
After the comfort period: Subscriptions convert to an annual commitment, billed monthly. Cancellation requires 60 days' written notice before the annual renewal date. No refunds are issued for the remaining annual term after the commitment period begins.
Foundation Partners receive six months of free access under separate Foundation Partner terms. At the end of the free period, Foundation Partners may subscribe at a 25% permanent discount or export their data and terminate with no obligation.
Payment is due within 30 days of invoice. Late payments accrue interest at 1.5% per month. We reserve the right to suspend access for accounts more than 30 days past due after written notice.
Price changes will be communicated with at least 60 days' written notice and will not take effect until your next annual renewal.
All compliance data, records, and content you enter into the Platform ("Customer Data") remains your property. You grant Antifragile GRC a limited license to process Customer Data solely to provide the service.
We will not use Customer Data for any purpose other than providing the Platform, including training machine learning models, benchmarking, or sharing with third parties except as required to operate the service.
You may export all Customer Data as an Excel file at any time from within the Platform at no charge. Upon termination, we will retain Customer Data for 90 days during which you may export it. After 90 days, Customer Data is permanently deleted.
You agree not to:
The Platform, including its software, design, pre-loaded regulatory content, and documentation, is owned by Antifragile GRC and protected by intellectual property laws. These Terms do not grant you any ownership rights in the Platform.
Pre-loaded regulatory content (obligation registers, legislation summaries) is provided for informational purposes. It is your responsibility to verify that regulatory content is current and applicable to your institution.
Each party agrees to keep the other's confidential information — including Customer Data, pricing, and business information — confidential and to use it only for the purposes of this agreement. This obligation survives termination for three years.
The Platform is a management tool, not a source of legal or compliance advice. Pre-loaded regulatory content is provided for informational and organizational purposes only. Antifragile GRC is not a law firm and does not provide legal, regulatory, or compliance advice.
You are solely responsible for your institution's compliance with applicable laws and regulations. Antifragile GRC's liability arising from regulatory deficiencies, examination findings, or compliance failures is excluded to the fullest extent permitted by law.
We warrant that the Platform will perform materially as described under normal use conditions. We will use commercially reasonable efforts to maintain Platform availability, targeting 99% uptime excluding scheduled maintenance.
THE PLATFORM IS PROVIDED "AS IS" TO THE EXTENT NOT COVERED BY THE ABOVE WARRANTY. WE DISCLAIM ALL OTHER WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, ANTIFRAGILE GRC'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER THESE TERMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM.
IN NO EVENT SHALL ANTIFRAGILE GRC BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, REGULATORY FINES, OR EXAMINATION PENALTIES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Either party may terminate for material breach with 30 days' written notice if the breach is not cured within that period. We may suspend or terminate immediately for non-payment (after notice), illegal use, or security threats.
Upon termination, your access to the Platform ceases. Customer Data is retained for 90 days for export, then permanently deleted.
Good faith negotiation: The parties will attempt to resolve any dispute through good faith negotiation for 30 days before initiating formal proceedings.
Mediation: If negotiation fails, the parties will submit to non-binding mediation administered by the American Arbitration Association before proceeding to arbitration.
Binding arbitration: Unresolved disputes will be finally settled by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Arbitration will be conducted in Texas. The arbitrator's award will be final and may be entered as a judgment in any court of competent jurisdiction.
Small claims: Either party may bring claims in small claims court for disputes within that court's jurisdiction.
Class action waiver: All claims must be brought in an individual capacity. Neither party may bring a class or representative action.
Governing law: These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles.
Entire agreement: These Terms, together with the Privacy Policy and any applicable Data Processing Agreement, constitute the entire agreement between the parties.
Severability: If any provision is found unenforceable, the remaining provisions continue in full force.
Waiver: Failure to enforce any provision does not constitute a waiver of future enforcement.
Assignment: You may not assign these Terms without our written consent. We may assign these Terms in connection with a merger or acquisition.
Notices: Legal notices to Antifragile GRC should be sent to support@antifragilegrc.com.
Antifragile GRC LLC
Texas, United States
support@antifragilegrc.com