Terms of Service

Last Updated: April 2026

1. Agreement to Terms

By accessing or using credit-union-ai.com (the "Site"), operated by Decision Surface™ Group ("we", "us", or "our"), you agree to be bound by these Terms of Service. If you disagree with any part of the terms, you may not access the Site.

2. Intellectual Property

The Site and its original content, features, functionalities, and architectures (including references to the "Sovereign Node" and "NLM Workflow") are and will remain the exclusive property of Decision Surface™ Group and its licensors. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Decision Surface™ Group.

3. Disclaimers

The content provided on this Site, including whitepapers and regulatory analysis, is for informational and educational purposes only. It does not constitute formal legal, regulatory, or compliance advice. Credit Unions are solely responsible for ensuring their Bank Secrecy Act (BSA) and Anti-Money Laundering (AML) programs comply with NCUA and FinCEN regulations.

4. Limitation of Liability

In no event shall Decision Surface™ Group, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the Site.

5. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

6. Contact Us

If you have any questions about these Terms, please contact us at neil@decisionsurface.com.