Legal

Terms of use

Draft for counsel review. This document is not final. The terms of any engagement are set in the signed contract.

DRAFT for counsel review. Not yet adopted.

Effective date: [EFFECTIVE DATE]

These terms govern your use of the Innorve Academy website at [WEBSITE DOMAIN], its free tools, and the Innorve Academy training platform (together, the "Services"). The Services are provided by Innorve Inc. ("Innorve", "we", "us"), a company incorporated in [STATE OF INCORPORATION], with its registered address at [REGISTERED ADDRESS].

By using the Services, you agree to these terms. If you use the platform on behalf of a credit union, you confirm that the credit union has authorized you to do so.

1. How these terms relate to your credit union's contract

Credit unions that buy Innorve Academy sign a statement of work (SOW) and a data processing addendum (DPA) with Innorve. If you are a platform user:

  • the SOW and DPA govern the relationship between Innorve and your credit union;
  • these terms govern your own use of the platform; and
  • if these terms conflict with a signed SOW or DPA, the SOW or DPA controls. [CONFIRM]

2. The website and free tools

The website describes Innorve Academy and offers free tools, including the AI Oversight Snapshot and the AI Obligations Navigator.

  • The free tools keep your answers in your own browser (local storage). They send nothing to Innorve unless you submit a form.
  • The free tools are for general education and self-reflection. They do not assess your credit union's compliance, and their output is not a finding, a rating or advice.
  • The AI Obligations Navigator page loads fonts from Google Fonts, so your browser contacts Google when you open it. See our privacy notice.

You may use the website and free tools for your own professional purposes. You may share links to them. You may not copy, republish or sell their content without our written permission.

3. Platform accounts

  • Invitation only. You get platform access when your credit union (or Innorve on its behalf) invites your work email address. The invitation is accepted when you sign in with that address.
  • Passwordless sign-in. You sign in with a one-time link or a 6-digit code sent to your email. Do not forward sign-in links or codes to anyone. Anyone who controls your mailbox can sign in as you, so keep your work email secure.
  • Personal accounts. Accounts are for one person. Do not share your account.
  • Roles. What you can see depends on the roles your credit union gives you. Roles are learner, reviewer, facilitator, sponsor and institution admin.
  • Tell us about problems. If you think someone else has used your account, tell your credit union's institution admin and email [SECURITY CONTACT EMAIL] straight away.

4. Acceptable use

When you use the platform, you must follow these rules.

4.1 No member data

Do not enter any credit-union member (consumer) information into the platform. That includes member names, account numbers, member records, loan or transaction details, and anything else that could identify a member. The training cases are fictional. Pilot workflow notes and observations must describe tasks, durations and quality flags only, never member data.

If you enter member information by mistake, tell your facilitator or institution admin and email [SECURITY CONTACT EMAIL] so it can be removed.

4.2 No confidential data beyond what the workflow needs

Enter only what the activity asks for. Do not enter:

  • passwords, access codes or system credentials;
  • confidential credit-union information beyond what a workflow field specifically asks for (for example, the name of a workflow owner, or a link to where evidence is kept); or
  • sensitive personal information about yourself or colleagues, such as health information or government identifiers.

4.3 No uploads

The platform has no file upload feature. Do not paste the contents of confidential documents into free-text fields instead. For the evidence binder, add a link to the document in your credit union's own system. A link does not give anyone access. Your credit union's system still controls who can open the document.

4.4 Protect assessment integrity

  • Do not share, copy or publish answer keys, unseen assessments or reviewer materials.
  • Do not submit work that is not your own, unless the activity allows collaboration or assistance and you record it as the activity asks.
  • Do not try to see content your role does not allow, such as other learners' drafts or unreleased feedback.

4.5 Protect the platform

Do not:

  • try to access another institution's data or another person's account;
  • probe, scan or test the platform's security without Innorve's written permission. If you find a vulnerability, report it to [SECURITY CONTACT EMAIL];
  • interfere with the platform, overload it, or bypass any access control;
  • scrape the platform or access it through automated means other than those we provide; or
  • use the platform for anything unlawful.

We may suspend access that breaks these rules. Where the account belongs to a credit-union user, we will tell the credit union.

5. Not legal advice, no certification and no endorsement

  • Innorve Academy teaches about laws, regulations and guidance. It labels each source by type: binding rule, statute, state law, contract, supervisory guidance, exam procedure or benchmark.
  • It does not provide legal advice. Questions about whether a rule applies to your credit union should go to your counsel.
  • It does not certify compliance and does not predict exam outcomes.
  • It is not endorsed by NCUA or any other regulator.
  • Completing a course does not give anyone authority to use AI at the credit union. Authority comes from the credit union's own policies and approvals.
  • Assessments are reviewer judgements made for training purposes. They are not employment decisions and not professional credentials.

See not-legal-advice.md for a plain-language summary.

6. Intellectual property

6.1 Innorve's content

Innorve owns the course content, including lessons, cases, labs, rubrics, answer keys, assessments, facilitator materials, the free tools and the website. Course materials were drafted with AI assistance and are reviewed by people.

6.2 License to credit-union customers

When a credit union buys an engagement, Innorve grants it a non-exclusive, non-transferable license to use the course content for its own internal training purposes, during and after the engagement, as the SOW specifies. [CONFIRM scope, duration and any restrictions with the SOW] Unless the SOW says otherwise, the license does not allow the credit union to resell the content, to deliver it to other organizations, or to publish answer keys or unseen assessments.

6.3 Your content

Work you create in the platform, such as reflections, submissions and pilot records, is customer data. It belongs to your credit union, as between Innorve and the credit union. Innorve uses it only to provide the Services, as the DPA sets out. [CONFIRM]

6.4 Feedback

If you send us suggestions about the Services, we may use them without obligation to you. We will not identify you or your credit union publicly without permission.

7. Third-party links and services

The Services may link to third-party websites, including regulator websites and sources cited in the course. We do not control them and are not responsible for their content or availability.

8. Changes to the Services and these terms

We may change the Services, for example to update course content when laws or guidance change. We will not make changes that materially reduce the platform a credit union has contracted for during its engagement, except as its SOW allows.

We may update these terms. We will post the new version with a new effective date. If a change is material, we will give reasonable notice to credit-union customers.

9. Disclaimers

The website and free tools are provided "as is" and "as available". To the fullest extent the law allows, Innorve disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement.

Laws, regulations and guidance change. We work to keep the course content accurate and labelled by source type, but we do not warrant that any content is complete or current on the date you read it. Check the primary source and ask your counsel before relying on any statement about a legal requirement.

For platform users, any warranties about the platform are those in the credit union's SOW, if any. [CONFIRM]

10. Limitation of liability

[CONFIRM: counsel to set the cap and exclusions. Suggested structure below.]

To the fullest extent the law allows:

  • Innorve is not liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from the website or free tools.
  • Innorve's total liability arising from the website and free tools is limited to [LIABILITY CAP].
  • For credit-union customers, liability for the platform is governed by the SOW and DPA.

Nothing in these terms limits liability that cannot be limited by law.

11. Suspension and termination

You may stop using the Services at any time. We may suspend or end your access if you break these terms, if your credit union asks us to, or if your credit union's engagement ends. The handling of platform data after an engagement ends is set out in the credit union's DPA and our privacy notice.

12. Governing law and disputes

These terms are governed by the laws of [GOVERNING LAW], without regard to its conflict-of-law rules. Any dispute will be heard in the courts of [VENUE]. [CONFIRM]

13. General

  • If any part of these terms is unenforceable, the rest stays in effect.
  • If we do not enforce a term, we do not waive it.
  • You may not transfer your rights under these terms. We may transfer ours as part of a reorganization, merger or sale of our business. [CONFIRM]

14. Contact

Innorve Inc. [REGISTERED ADDRESS] General and legal notices: [LEGAL NOTICES ADDRESS] Privacy: [PRIVACY CONTACT EMAIL] Security: [SECURITY CONTACT EMAIL]