These Terms of Service (“Terms”) govern access to and use of the iBank platform, website, and related services (collectively, the “Service”) provided by Workview LLC (“Workview,” “we,” “us,” or “our”). By accessing or using the Service, you agree to these Terms. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” refers to that organization.
If you have entered into a separate written agreement with Workview, including an order form, master services agreement, or data processing addendum, that agreement controls in the event of a conflict with these Terms for the covered subscription.
1. The Service
iBank is a cloud-based software platform for investment banking and M&A workflows, including origination, financial modeling, virtual data room analysis, due diligence support, and related AI-assisted features. We may modify, update, or discontinue features from time to time. We will use commercially reasonable efforts to avoid material degradation of core functionality during a paid subscription term.
2. Eligibility and accounts
The Service is intended for business and professional use only. You must be at least 18 years old and legally able to enter into a binding contract. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must promptly notify us of any unauthorized access or security incident involving your account.
3. Subscriptions, fees, and trials
Access to certain features may require a paid subscription or enterprise agreement. Fees, billing cycles, user limits, and service levels are described in your order form or pricing page. Unless otherwise stated, subscriptions renew automatically until canceled in accordance with your agreement. Fees are non-refundable except where required by law or expressly stated in writing. We may offer free trials or beta features; these are provided “as is” and may be modified or withdrawn at any time.
4. Customer content and data
You and your users may submit, upload, connect, or otherwise make available data, documents, models, and other materials through the Service (“Customer Content”). You retain all rights in Customer Content. You grant Workview a limited, non-exclusive license to host, copy, process, transmit, display, and otherwise use Customer Content solely to provide, maintain, secure, and improve the Service as permitted by your agreement with us.
You are solely responsible for Customer Content and for obtaining all rights, consents, and authorizations necessary for us to process it. You represent that your use of the Service and submission of Customer Content comply with applicable law, contractual obligations, and confidentiality restrictions, including obligations owed to deal parties, portfolio companies, and data subjects.
5. Acceptable use
You agree not to, and not to permit others to:
- Use the Service in violation of law, regulation, sanctions, export controls, or third-party rights
- Upload malware, attempt unauthorized access, probe or test vulnerabilities, or interfere with the Service
- Reverse engineer, decompile, or attempt to extract source code except where prohibited restrictions are unenforceable by law
- Use the Service to build or train a competing product using our proprietary systems or non-public interfaces
- Misrepresent AI-generated outputs as human-reviewed professional advice without appropriate disclosure
- Process special category personal data or regulated health information unless expressly agreed in writing
- Resell, sublicense, or provide the Service to third parties except as authorized under an enterprise agreement
We may investigate violations and suspend or terminate access where we reasonably believe activity poses legal, security, or operational risk.
6. AI features and output disclaimer
The Service includes automated and AI-assisted features that analyze documents, generate summaries, answer questions, and assist with modeling workflows. AI outputs may be incomplete, inaccurate, or outdated. Outputs are provided for informational and productivity purposes only.
iBank does not provide legal, financial, investment, accounting, tax, or other professional advice. You are responsible for independently reviewing, validating, and approving all outputs before relying on them in transactions, filings, client communications, or investment decisions. No fiduciary relationship is created by your use of the Service.
7. Third-party services and integrations
The Service may integrate with third-party platforms such as cloud storage providers, identity systems, or analytics tools. Your use of third-party services is governed by their terms and privacy policies. We are not responsible for third-party services and do not guarantee their availability, security, or performance. Enabling an integration constitutes your authorization for us to access the connected data necessary to provide the Service.
8. Confidentiality
Each party may receive confidential information from the other. The receiving party will use the disclosing party's confidential information only to perform under these Terms and will protect it using at least reasonable care. Confidential information does not include information that is public, independently developed, or lawfully obtained from a third party without duty of confidentiality. We may disclose information if required by law, after notice where legally permitted.
9. Intellectual property
Workview and its licensors retain all rights, title, and interest in the Service, including software, models, interfaces, documentation, branding, and all improvements thereto. Except for the limited rights expressly granted, no rights are transferred to you. You may provide feedback or suggestions; we may use feedback without restriction or obligation to you.
10. Privacy
Our collection and use of personal information is described in our Privacy Policy. Where we process personal data on your behalf, our data processing terms apply in addition to these Terms.
11. Service availability and support
We strive to keep the Service available but do not guarantee uninterrupted or error-free operation. Scheduled maintenance, third-party outages, and force majeure events may affect availability. Support scope and response times, if any, are defined in your subscription agreement.
12. Warranty disclaimer
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” WORKVIEW DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ACCURATE, COMPLETE, SECURE, OR FREE FROM ERRORS OR THAT AI OUTPUTS WILL MEET YOUR REQUIREMENTS.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WORKVIEW WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, BUSINESS INTERRUPTION, OR REPUTATIONAL HARM, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WORKVIEW'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS PAID BY YOU TO WORKVIEW FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US$100).
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
14. Indemnification
You will defend, indemnify, and hold harmless Workview and its officers, directors, employees, and agents from claims, damages, losses, and expenses (including reasonable legal fees) arising out of Customer Content, your use of the Service in violation of these Terms or applicable law, or your breach of confidentiality or third-party rights.
15. Suspension and termination
You may stop using the Service at any time. We may suspend or terminate access if you materially breach these Terms, fail to pay applicable fees, or if continued provision would create legal or security risk. Upon termination, your right to access the Service ends. Provisions that by their nature should survive termination will survive, including those relating to confidentiality, disclaimers, limitations of liability, and indemnification.
16. Governing law and disputes
These Terms are governed by the laws of the State of New York, excluding its conflict of law rules, except where mandatory local law applies. Except where prohibited, the courts located in New York County, New York will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service. Either party may seek injunctive relief in any court of competent jurisdiction to protect intellectual property or confidential information.
17. Changes
We may update these Terms from time to time. If we make material changes, we will post the updated Terms and revise the “Last updated” date. Continued use of the Service after the effective date of updated Terms constitutes acceptance, except where applicable law requires a different process.
18. General
These Terms, together with any applicable order form, privacy policy, and data processing terms, constitute the entire agreement regarding the Service. If any provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
19. Contact
Workview LLC
New York · London
Email: legal@ibank.finance