1. Agreement to Terms
These Terms of Service (“Terms”) form a binding agreement between you (“you,” “User,” “Applicant,” or “Member”) and Serenity Software Solutions (“Company,” “we,” “us,” or “our”), which operates the S3 Business Intelligence Vendor Platform under the trade name / doing-business-as designation S3 Business Intelligence.
S3 Business Intelligence Vendor Platform is an offering of Serenity Software Solutions, doing business as S3 Business Intelligence. References to “S3,” “S3 BI,” “the Platform,” or “the Service” mean the websites, portals, applications, APIs, dashboards, billing tools, and related communications made available by the Company in connection with vendor membership, Net-term invoicing, and optional commercial credit reporting facilitation.
By creating an account, submitting a vendor application, activating billing, paying an invoice, or otherwise accessing the Service, you acknowledge that you have read, understood, and agree to these Terms and our Privacy Policy and Cookie Policy (together, the “Agreements”). If you do not agree, do not use the Service.
2. Legal Entity; DBA; No Separate Entity
The contracting party is Serenity Software Solutions. “S3 Business Intelligence” and related marks are brand and product designations used to identify this offering. Unless we expressly state otherwise in a signed writing, no separate legal entity is created by use of the S3 Business Intelligence name, and all rights, obligations, invoices, subscriptions, and liability under these Terms run to and from Serenity Software Solutions.
3. Eligibility; Authority; Business Use
The Service is intended solely for legitimate commercial / business use in the United States. You represent and warrant that: (a) you are at least 18 years of age; (b) you have full legal authority to bind the business entity identified in your application; (c) the business is duly organized and in good standing where required; and (d) information you provide is true, accurate, complete, and kept current.
You may not use the Service for personal, household, or consumer purposes. We may refuse, suspend, or terminate accounts that appear fraudulent, incomplete, abusive, or ineligible.
4. Important Disclaimers — What We Are Not
Serenity Software Solutions (including under the S3 Business Intelligence DBA) is not:
- a bank, credit union, lender, or money transmitter;
- a credit repair organization, credit counseling agency, or debt settlement provider under federal or state law (including the Credit Repair Organizations Act);
- a consumer reporting agency under the Fair Credit Reporting Act (“FCRA”), except to the limited extent we may furnish business tradeline / payment data to commercial bureaus as a data furnisher;
- a financial advisor, investment adviser, broker-dealer, tax preparer, attorney, or fiduciary;
- a guarantor that any bureau will accept, post, score, or improve any credit file, score, or funding outcome.
Any content about “reported credit lines,” tradelines, Net 30 / 60 / 90 terms, streaks, or funding readiness is informational and operational only. You remain solely responsible for decisions about your business’s finances, credit, and vendors.
5. Description of the Service
Subject to approval and these Terms, the Service may include:
- member registration and authenticated account access;
- vendor account applications and automated or manual underwriting decisions for Net 30, Net 60, or Net 90 membership tiers;
- one-time activation fees and recurring membership fees billed via Stripe on send-invoice / Net-term collection methods;
- dashboards for invoices, due dates, payment status, and Customer Portal access;
- facilitation of payment-history reporting to one or more commercial credit bureaus or reporting partners when eligibility and data requirements are met.
Features, pricing, eligibility rules, reporting partners, and reported static credit lines may change. We do not promise continuous availability of any particular bureau, partner, or reporting cadence.
6. Applications; Underwriting; Static Tier Limits
Submitting an application does not guarantee approval. We may approve, decline, or approve at a different Net-term tier than requested based on firmographics, revenue, years in business, and other risk signals. Static reported credit lines are tied to the approved Net-term tier and are not individually negotiated credit facilities or revolving lines of credit from a bank.
You authorize us to verify information you submit (including business identity details) and to retain application and decision records for compliance, billing, and reporting purposes. Providing false or misleading information is grounds for immediate termination and may result in adverse reporting where permitted by law.
7. Fees, Net Terms, Invoices, and Stripe
Approved members may be charged an activation fee and recurring membership fees as displayed at the time of activation. Fees are invoiced through Stripe (or successor processors). Card and bank details are processed by Stripe under Stripe’s terms and privacy policy; we do not store full payment card numbers on our servers.
Where collection_method is send_invoice, invoices are due according to the stated Net terms (e.g., 30, 60, or 90 days after issue unless the invoice states otherwise). Late, failed, reversed, or incomplete payment does not cancel amounts owed. You remain responsible for all open invoices even if you cancel future renewals or lose Platform access.
Automatic renewal may apply to membership subscriptions unless canceled through the Stripe Customer Portal or other method we designate. Disabling a saved payment method does not, by itself, cancel your membership or invoice obligations.
Fees are generally non-refundable once an invoice is finalized or a billing period begins, except where required by law or where we determine in our sole discretion that a processing error occurred. Stripe processing fees are not refundable by us.
8. Commercial Credit Reporting
If we furnish payment or account information to commercial credit bureaus or reporting networks, we do so as a business data furnisher based on our records of invoices, due dates, and payments. Reporting may require accurate business identifiers (such as EIN) and may be delayed, rejected, or modified by third parties outside our control.
We attempt to report consistently and in good faith. We do not guarantee: (a) that any bureau will create or update a file; (b) score increases; (c) funding approvals; or (d) removal of accurate late or delinquency history. Corrections are limited to Company errors in the data we furnished; we generally cannot erase accurate late-payment history solely because an account is later brought current.
You agree that on-time payment is your responsibility and that late payment may be reported and may reset internal “streak” or tier-review eligibility metrics displayed in the dashboard.
9. Accounts; Security; Communications
You are responsible for safeguarding credentials and for all activity under your account. Notify us promptly of unauthorized access at support@serenitysoftwaresolutions.com.
You consent to receive transactional emails and invoice-related notices (including past-due reminders) that are necessary to operate the Service. Marketing messages, if any, may be opted out via the unsubscribe link or by emailing us, except that operational billing notices cannot be fully disabled while obligations remain outstanding.
10. Prohibited Uses
You agree not to:
- violate any law or third-party right;
- misrepresent your identity, business, or payment capacity;
- attempt to manipulate credit reporting through sham transactions, circular payments, or coordinated abuse;
- interfere with the Service, probe systems without authorization, or introduce malware;
- scrape, reverse engineer, or resell the Service except as allowed by law;
- use the Service if you are on any sanctions or denied-party list.
11. Intellectual Property
The Service, including software, design, text, logos, and trademarks (including S3 Business Intelligence and related marks), is owned by Serenity Software Solutions or its licensors. No license is granted except the limited, revocable right to use the Service as permitted under these Terms.
12. Third-Party Services
The Service depends on third parties such as Stripe, hosting providers, email providers, and credit bureaus / reporting partners. Their terms and privacy practices govern their processing. We are not responsible for outages, scoring models, or decisions of third parties.
13. Disclaimers of Warranty
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, SERENITY SOFTWARE SOLUTIONS DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT CREDIT REPORTING OR FUNDING OUTCOMES WILL MEET YOUR EXPECTATIONS.
14. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, SERENITY SOFTWARE SOLUTIONS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE, GOODWILL, DATA, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY.
OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM (OR ONE HUNDRED U.S. DOLLARS IF YOU HAVE PAID NOTHING).
15. Indemnification
You will defend, indemnify, and hold harmless Serenity Software Solutions and its personnel from and against claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising out of your application data, use of the Service, payment defaults, misuse of credit reporting, or violation of these Terms or applicable law.
16. Suspension; Termination
We may suspend or terminate access immediately for non-payment, suspected fraud, policy violations, legal risk, or operational necessity. You may stop using the Service at any time; cancellation of future renewals does not extinguish accrued fees or open invoices. Sections that by nature should survive (including fees owed, reporting, disclaimers, liability limits, indemnity, and governing law) survive termination.
17. Changes to Terms or Service
We may update these Terms by posting a revised version with a new effective date. Material changes may also be communicated by email or in-product notice. Continued use after the effective date constitutes acceptance. If you do not agree, you must stop using the Service and cancel renewals.
18. Governing Law; Disputes
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Exclusive venue for disputes not subject to mandatory arbitration or small-claims procedures lies in state or federal courts located in the State of Florida, and you consent to personal jurisdiction there. Either party may seek injunctive relief for IP or unauthorized access claims in any court of competent jurisdiction.
19. Miscellaneous
These Terms, together with the Privacy Policy, Cookie Policy, and any order, invoice, or plan selection confirmed at activation, are the entire agreement regarding the Service and supersede prior discussions. If any provision is unenforceable, the remainder stays in effect. Failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign to an affiliate or successor. Notices to us must be sent to legal@serenitysoftwaresolutions.com. Notices to you may be sent to the email on your account.
20. Contact
Serenity Software Solutions
DBA S3 Business Intelligence
Platform support: support@serenitysoftwaresolutions.com
Legal: legal@serenitysoftwaresolutions.com