Terms of Use

1. Acceptance of Terms

These Terms of Use (the “Terms”) are a binding agreement between you and Zypsy Inc. d/b/a Levian (“Levian,” “we,” “our,” or “us”). By accessing or using the Levian platform (the “Services”), creating an account, uploading files, clicking “Generate Report,” “Run Assessment,” or any similar action, or otherwise using the Services, you agree to these Terms. If you do not agree, you must stop using the Services.

By clicking “Generate Report” or using the Services, you also agree to our Privacy Policy and, where applicable, the Data Processing Addendum.

2. Definitions

• Platform — Levian’s web-based services and applications.
• Levian Models — Levian’s proprietary AI-driven systems, workflows, prompts, scoring logic, and analytical frameworks, which may incorporate third-party artificial intelligence models and services.
• User — Any individual or entity accessing or using the Platform.

3. Intellectual Property

All content, software, algorithms, documentation, and Levian Models are the intellectual property of Levian or its licensors. No rights are granted to you except as expressly stated in these Terms.

4. User Responsibilities

Users agree to:

• Provide accurate and up-to-date information.
• Safeguard account credentials and access.
• Use the Services in compliance with applicable laws and regulations.
• Avoid misuse, interference, or unauthorized access to the Services.

You should not upload to the Services any of the following unless Levian has expressly agreed in writing: social security numbers, government-issued IDs, payment card numbers, health or medical information, biometric data, children’s data, or other highly sensitive personal data.

5. No Professional Advice

Levian is a financial analysis and decision-support tool for founders. It is not a licensed advisor, lender, broker, auditor, accountant, or investor. Outputs from the Services are provided for informational and decision-support purposes only and do not constitute:

• investment advice
• legal advice
• tax advice
• accounting advice
• audit or assurance services
• valuation services
• lending, brokerage, or financing advice
• credit, underwriting, or capital-allocation decisions on behalf of any third party

Users remain solely responsible for their own independent review, due diligence, and decisions, and should consult qualified professionals where appropriate.

6. No Guarantee of Capital or Outcomes

Levian may help users organize, analyze, or present business information, but Levian does not guarantee access to capital, financing approval, lender approval, investor interest, fundraising outcomes, capital availability, or introductions to investors, lenders, or capital providers. Any results obtained through the Services depend on factors outside Levian’s control.

7. Disclaimer of Accuracy

Levian provides analytical tools and reports to support human decision-making. AI-generated or AI-assisted outputs may be incomplete, outdated, or inaccurate, and may contain errors. Users should independently verify outputs before relying on them. Reports are not a substitute for professional judgment, and Levian is not responsible for decisions made based on outputs. The Services are provided “as is” and “as available,” without warranties of any kind, whether express or implied.

8. Use of Data for Service and Model Improvement

Levian may process customer data, including uploaded financial statements, transaction exports, and business files, to provide, secure, maintain, support, and improve the Services.

Levian may use data derived from customer data for product analytics, benchmarking, service improvement, and improvement of Levian Models only after such data has been anonymized, de-identified, aggregated, or otherwise transformed so that it does not reasonably identify the customer, its users, individuals, or specific uploaded files.

Levian will not use customer-identifiable uploaded files to train third-party AI models for the third-party provider’s own purposes, unless expressly disclosed and agreed in writing.

This use is subject to applicable opt-outs and the terms of these Terms. Enterprise or negotiated agreements may further restrict or prohibit such use.

Users may opt out by emailing admin@levian.ai.

9. Third-Party Services

The Services may integrate with or link to third-party services. Levian does not control and is not responsible for third-party content, availability, or data practices.

10. Limitation of Liability

To the fullest extent permitted by law, Levian shall not be liable for any indirect, incidental, consequential, special, or punitive damages. Levian’s total liability for any claim arising out of or related to the Services shall not exceed the fees paid by the user to Levian in the twelve (12) months preceding the claim.

11. Indemnification

Users agree to indemnify and hold harmless Levian from any claims, damages, losses, or expenses arising out of misuse of the Services or violation of these Terms.

12. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles. Any dispute shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in California.

13. Termination

Levian may suspend or terminate access to the Services at its discretion, including for violation of these Terms.

14. Changes to Terms

Levian may update these Terms from time to time. If changes are made, the revised Terms will be posted through the Services and the Effective Date will be updated. Continued use of the Services after changes constitutes acceptance of the revised Terms.

15. Entire Agreement

These Terms, together with the Privacy Policy, Cookie Policy, and, where applicable, the Data Processing Addendum, constitute the entire agreement between you and Levian regarding the Services.

16. Contact

Questions about these Terms may be sent to admin@levian.ai.