Terms of Service


Welcome to SAPIENS. These Terms of Service govern your use of the spns.ai website (the "Website"). By accessing or using the Website, you agree to these Terms of Service. If you disagree with any part of these terms, please refrain from using the Website.

1. Intellectual Property Rights

All intellectual property rights in the Website and its content, including texts, graphics, images, and software, are owned or licensed by SAPIENS and protected by copyright and other laws. You agree not to reproduce, modify, or distribute any content without our prior written consent.

2. Third Party Products

The Website may link to third-party products, services, or websites. SAPIENS is not responsible for their content or availability. Use of third-party resources is at your own risk.

3. Company Service Providers

SAPIENS may use third-party providers for Website functionalities. These providers are bound by confidentiality obligations and only have access to your information for service purposes.

4. Purchase of Products and Services

Purchases through the Website are subject to our terms and conditions.

5. User Representations

By using the Website, you warrant that you are of legal age to form a contract with SAPIENS and will comply with these Terms of Service and all applicable laws.

6. User Registration

Registration may be required for some Website areas. You must provide accurate information and keep your account updated.

7. Acceptable Use Policy

You agree not to use the Website for illegal activities, infringe others' rights, transmit harmful content, or engage in fraudulent activities.

8. User-Generated Contributions

You may post content on the Website. By doing so, you grant SAPIENS a non-exclusive, royalty-free right to use your contributions.

9. Contribution License

You warrant that you have the right to grant the license for your contributions and that your content does not violate any laws or rights.

10. Submissions

Any feedback or suggestions you provide to SAPIENS are non-confidential. We may use them without obligation to compensate you.

11. Site Management

SAPIENS reserves the right to monitor, review, or remove content and to suspend or terminate Website access for any reason.

12. Term and Termination

These Terms of Service remain effective until terminated by either party. You may terminate by ceasing to use the Website. SAPIENS may terminate your access at any time.

13. Modifications and Interruptions

Changes to the Website may occur without notice. We do not guarantee uninterrupted or error-free operation.

14. Governing Law

These Terms of Service are governed by the laws of Panama.

15. Dispute Resolution

Binding Arbitration: Disputes shall be settled by arbitration.

Agreement to Arbitrate: Disputes will be resolved through arbitration rather than court proceedings.

Exceptions and Opt-Out: Intellectual property and unauthorized access disputes are excluded from arbitration. You can opt-out of arbitration within 30 days.

Arbitration Rules and Location: Conducted under laws in Panama.

Arbitration Fees: Costs are shared equally, barring legal prohibitions.

No Class Actions: Arbitrations will not be conducted on a class basis.

16. Judicial Forum for Disputes

If arbitration is unenforceable, disputes will be resolved in Panama courts.

17. Disclaimer

The Website is provided "as is" without warranties of any kind.

18. Limitations of Liability

SAPIENS is not liable for indirect damages arising from Website use.

19. Indemnification

You agree to indemnify SAPIENS against claims related to your Website use.

20. User Data

Data collection and use are governed by our Privacy Policy.

21. Marketing Promotions

Marketing promotions are subject to specific terms and conditions.

22. Electronic Communications and Transactions

You consent to electronic communications and recognize electronic transactions and signatures as legally binding.

23. Miscellaneous

Invalid or unenforceable provisions will be limited or eliminated, with the remainder in full effect.

24. Contact Us

For inquiries, contact us at hello@spns.ai


Ricardo Arias Street, Advanced Tower, 1st Floor, Panama City

By using the Website, you acknowledge your understanding and agreement to these Terms.