Effective Date: May 5th, 2026
Last Updated: May 5th, 2026
Welcome to ICON. These Terms of Service (“Terms”) govern your access to and use of the ICON website, platform, products, services, demos, content, and related offerings (collectively, the “Services”).
By accessing or using ICON, you agree to these Terms. If you do not agree, do not use the Services.
1. About ICON
ICON provides intelligent engagement, communication, workflow orchestration, automation, servicing, collections, and compliance solutions for financial services organizations.
These Terms form a binding agreement between you and ICON (“ICON,” “we,” “our,” or “us”).
2. Eligibility
You may use the Services only if:
- you are legally able to enter into a binding agreement
- you use the Services on behalf of yourself or a validly authorized organization
- your use complies with applicable laws, regulations, and these Terms
If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
3. Scope of Services
ICON may provide:
- access to the website and product information
- demos, consultations, and marketing resources
- software, communications, workflow, orchestration, and automation capabilities
- integrations, support, and related services
- new features, updates, or enhancements
Certain Services may be subject to separate commercial agreements, order forms, service descriptions, or product-specific terms. If there is a conflict, those specific terms will govern for that Service.
4. Account Registration and Access
To access certain Services, you may be required to create an account or be provisioned access by your organization.
You agree to:
- provide accurate and complete information
- keep account credentials secure
- promptly update account information when it changes
- notify ICON of any unauthorized access or suspected security incident
- remain responsible for activity under your account, unless caused by ICON
We may suspend or restrict access if we reasonably believe your account is being misused or poses a security, legal, or operational risk.
5. Acceptable Use
You may use the Services only for lawful and authorized purposes.
You must not:
- violate any applicable law, regulation, or third-party right
- use the Services to transmit unlawful, infringing, deceptive, abusive, harmful, or fraudulent content
- attempt to gain unauthorized access to systems, data, or accounts
- interfere with platform integrity, performance, or security
- reverse engineer, copy, modify, resell, lease, sublicense, or create derivative works from the Services except as allowed by law or written agreement
- use the Services to build a competing product or service
- upload malware, malicious code, or harmful scripts
- misuse communication or automation features in a way that violates consent, privacy, anti-spam, or consumer protection rules
If your use involves communications with end users, customers, or regulated parties, you are responsible for ensuring your use complies with applicable consent, privacy, disclosure, and financial services rules.
6. Customer Responsibilities
If you are an enterprise customer or authorized user of an enterprise customer, you are responsible for:
- the legality of your content, workflows, and communications
- obtaining all rights, notices, and consents needed for your use of the Services
- configuring your use of the Services in compliance with applicable law and your internal policies
- the accuracy of data, instructions, and rules you provide to the platform
- managing your users and internal access permissions appropriately
ICON does not provide legal, regulatory, accounting, or compliance advice unless expressly agreed in writing.
7. Data and Content
7.1 Your Content
You may submit, upload, transmit, or otherwise make available data, content, messages, documents, workflows, prompts, configurations, or other materials through the Services (“Customer Content”).
You retain ownership of Customer Content, subject to the rights you grant below.
7.2 License to ICON
You grant ICON a limited, non-exclusive, worldwide license to host, use, process, transmit, copy, and display Customer Content only as necessary to:
- provide the Services
- maintain and support the Services
- secure, monitor, and improve the Services
- comply with applicable law
- enforce these Terms and related agreements
7.3 Responsibility for Content
You are solely responsible for Customer Content and for ensuring that you have the necessary rights to submit and use it through the Services.
8. Privacy and Data Protection
Your use of the Services is also subject to the ICON Privacy Policy, which explains how we collect, use, and protect personal data.
Where ICON processes data on behalf of enterprise customers, additional data processing terms may apply.
If applicable law grants users rights related to personal data, those rights may be described in the Privacy Policy and related notices. Privacy laws such as the CCPA/CPRA require businesses to explain categories of personal information collected, purposes of use, and related rights, and California regulations address how businesses should inform consumers and handle requests.
9. Intellectual Property
ICON and its licensors own all rights, title, and interest in and to the Services, including all software, interfaces, designs, workflows, documentation, branding, logos, content, and technology, except for Customer Content.
These Terms do not transfer any ownership rights to you. Except for the limited rights expressly granted, all rights are reserved.
You may not use ICON trademarks, logos, branding, or design assets without prior written permission.
10. Feedback
If you provide suggestions, ideas, feedback, or recommendations regarding the Services, ICON may use them without restriction or obligation to you, provided that doing so does not identify you as the source unless we separately agree otherwise.
11. Third-Party Services and Integrations
The Services may interoperate with third-party systems, platforms, or integrations.
ICON is not responsible for third-party services, including their availability, performance, security, content, or privacy practices. Your use of third-party services may be subject to separate terms between you and those providers.
12. Service Availability and Changes
We may update, improve, modify, suspend, or discontinue parts of the Services from time to time.
We do not guarantee that all Services will always be available, uninterrupted, error-free, or compatible with every environment. Where commercially reasonable, we may provide notice of material changes that affect your use.
The FTC has warned that quietly changing online terms can create fairness and notice concerns, so material changes should be handled carefully and transparently.
13. Fees and Payments
If you purchase paid Services, fees, billing terms, taxes, renewals, and payment obligations will be set out in the applicable order form, proposal, subscription agreement, or commercial contract.
Unless otherwise stated:
- fees are non-refundable
- payments are due in the currency and timeframe specified
- late payments may result in suspension or termination of access
- you are responsible for applicable taxes, duties, or levies, excluding taxes based on ICON’s net income
14. Confidentiality
Each party may receive confidential information from the other in connection with the Services.
The receiving party agrees to:
- use confidential information only for the permitted purpose
- protect it with reasonable care
- not disclose it except to authorized personnel, contractors, or advisors who have a need to know and are bound by confidentiality obligations
These obligations do not apply to information that:
- is or becomes public without breach
- was already lawfully known
- is independently developed without misuse
- is lawfully received from a third party without restriction
If disclosure is required by law, the receiving party may disclose only to the extent required, subject to lawful notice where permitted.
15. Suspension and Termination
We may suspend or terminate access to the Services, in whole or in part, if:
- you breach these Terms
- your use creates legal, security, or operational risk
- required by law or regulatory request
- fees remain unpaid where applicable
- your organization’s subscription or authorization ends
You may stop using the Services at any time, subject to any separate commercial agreement.
Upon termination:
- your right to use the Services ends
- certain data access rights may end, subject to contract and applicable law
- provisions that by nature should survive will survive, including confidentiality, payment obligations, disclaimers, limitations of liability, intellectual property, and governing law
16. Disclaimers
To the maximum extent permitted by law, the Services are provided on an “as is” and “as available” basis.
ICON disclaims all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.
ICON does not guarantee that:
- the Services will meet all of your requirements
- the Services will be uninterrupted, secure, or error-free
- all outputs, recommendations, automations, or workflow results will always be accurate, complete, or suitable for your use case
- the Services will ensure your compliance with law without your own oversight and controls
You remain responsible for reviewing and validating outputs, decisions, workflows, communications, and actions taken through the Services.
17. Limitation of Liability
To the fullest extent permitted by law:
- ICON will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages
- ICON will not be liable for lost profits, lost revenues, lost data, business interruption, or loss of goodwill
- ICON’s total aggregate liability arising out of or relating to the Services or these Terms will not exceed the amount paid by you or your organization to ICON for the applicable Services in the twelve months before the event giving rise to the claim, or, if no fees were paid, one hundred U.S. dollars (US$100)
These limitations apply whether the claim arises in contract, tort, negligence, strict liability, or otherwise, even if ICON has been advised of the possibility of such damages.
Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
18. Indemnification
You agree to defend, indemnify, and hold harmless ICON and its affiliates, officers, employees, contractors, and agents from and against claims, damages, liabilities, losses, costs, and expenses arising out of or related to:
- your Customer Content
- your misuse of the Services
- your violation of these Terms
- your violation of applicable law or third-party rights
- communications, workflows, decisions, or actions configured or initiated by you or your organization through the Services
19. Governing Law and Dispute Resolution
These Terms are governed by the laws of [Insert Governing Jurisdiction], without regard to conflict of law principles.
Any dispute arising out of or relating to these Terms or the Services will be subject to the exclusive jurisdiction of the courts located in [Insert Jurisdiction], unless otherwise stated in a separate agreement.
If you prefer, you can replace this section with arbitration language, mediation language, or customer-specific dispute procedures based on legal advice.
20. Export, Sanctions, and Restricted Use
You may not use or access the Services in violation of export control laws, sanctions laws, or other applicable trade restrictions.
You represent that you are not located in, under the control of, or a national or resident of a prohibited jurisdiction, and are not on any restricted party list that would prohibit access under applicable law.
21. Changes to These Terms
We may update these Terms from time to time. When we do, we will update the “Last Updated” date above.
If changes are material, we may provide additional notice through the website, platform, or other reasonable means. Your continued use of the Services after the updated Terms become effective means you accept the revised Terms.
Because online terms changes can raise consumer protection concerns if handled without adequate notice, material updates should be presented clearly.
22. General Terms
Entire Agreement
These Terms, together with any applicable order forms, service descriptions, product-specific terms, and the Privacy Policy, form the complete agreement between you and ICON regarding the Services.
Severability
If any provision is held unenforceable, the remaining provisions will remain in effect.
No Waiver
Failure to enforce any provision is not a waiver of that provision.
Assignment
You may not assign these Terms without ICON’s prior written consent. ICON may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets.
Force Majeure
Neither party is liable for delay or failure caused by events beyond reasonable control, except for payment obligations.
23. Contact Us
If you have questions about these Terms, contact:
Email: support@icon.cx
Website: www.icon.cx
