Frequently Asked Questions

Terzo is an enterprise AI and analytics platform that transforms unstructured business documents into clean, analytics-ready data. We treat contracts like financial assets because that's where the dollars live.

Terzo builds a continuously maintained, AI-ready data layer that powers actionable insights across finance, procurement, and legal. This enables smarter decisions, stronger supplier governance, and measurable financial outcomes.

Terzo is the only platform that delivers a contractual data accuracy SLA on highly customized, non-templated, unstructured documents at global enterprise scale.

We do all the data cleanup and transformation work for our customers:

• No model training required
• No prompt engineering
• No consultants
• No internal AI expertise needed

Terzo automatically extracts, cleans, normalizes, deduplicates, splits, and maps tens of thousands of documents into a unified data model.

The result?
A trusted, continuously maintained, AI-ready data layer that future-proofs the enterprise.

Terzo uses a hybrid AI architecture — NLP, computer vision, neural networks, and human
QA — to extract structured, analytics-ready data from contracts, invoices, and purchase orders.

Key capabilities

• Extraction aligned to a customer-specific prescriptive data model
• Enterprise normalization standards
• Semantic relationship building (parent-child, versions, amendments)
• Multi-document Commercial Graph™ linking

This unlocks the financial and operational intelligence hidden inside documents and makes it usable across the entire enterprise.

Terzo builds a digital twin of contract, spend, and obligation data — a Commercial Graph™ that integrates seamlessly into:

• Data lakes
• ERPs
• BI platforms
• GenAI systems

With our Developer API, customers can build AI agents that operate on structured contract and spend data, extending intelligence into workflows across procurement, finance, and legal.

Terzo is the contract and spend data foundation that every enterprise AI strategy requires.

Contract AI refers to the use of artificial intelligence to extract, structure, analyze, and operationalize the financial, legal, and commercial data inside contracts.

Terzo defines Contract AI as the ability to:

• Convert unstructured agreements into structured financial intelligence
• Link contracts to invoices, POs, and spend
• React in real-time to obligations, renewals, and supplier performance
• Feed that intelligence into GenAI, BI tools, and enterprise workflows

Terzo is one of the only platforms purpose-built for Contract AI at global enterprise scale.

Contract analytics is the process of analyzing commercial, financial, and legal terms across agreements to discover:

• Savings opportunities
• Renewal risks
• Supplier compliance issues
• Performance gaps
• Redundant or unfavorable terms

Terzo analyzes

• Pricing structures
• SLAs & obligations
• Auto-renewals
• Service credits
• Volume tiers
• Termination rights
• Discount leakage
• Supplier overlap

This turns documents into a living commercial intelligence system.

Enterprises choose Terzo because they want accurate, audit-ready data, not another tool that creates work.

Reasons buyers choose Terzo:

• Accuracy: 99%+ accuracy with SLAs
• Coverage: unified contract + spend + obligation intelligence
• Scale: out-of-the-box transformation of millions of documents
• Effort: no hiring or custom pipeline building required
• Usability: analytics-ready for GenAI, BI, FP&A, and procurement teams

Terzo delivers the data quality enterprises expect — without the friction.

Across Fortune 500 customers, Terzo consistently delivers:

• Savings: 8–12% total contract value (TCV) savings in the first year
• Renegotiation: large-scale cost takeout and renegotiation opportunities
• Rationalization: elimination of duplicate suppliers and redundant spend
• Enforcement: obligations, credits, SLAs, and commercial terms
• Optimization: IT spend, logistics, and third-party services

Terzo becomes a commercial optimization engine for the enterprise.

Yes. Terzo extracts and normalizes data from:

• Contracts
• Invoices
• Purchase Orders
• Supplier catalogs

This allows enterprises to:

• Match invoices to contract terms
• Detect overbilling
• Validate consumption-based charges
• Identify pricing discrepancies
• Prevent leakage and non-compliant spend

Terzo becomes the single source of truth for contract-to-spend compliance.

Terzo automatically surfaces:

• All upcoming renewals
• Renewal-linked obligations
• Hidden auto-renew clauses
• Price escalations
• Minimum spend commitments
• Benchmarking insights

Customers typically unlock millions in negotiation leverage within the first 90 days.

Yes. GenAI relies on clean, structured, trustworthy data. That is the exact problem Terzo solves.

Once data is normalized and connected through Terzo's Commercial Graph:

• GenAI copilots can answer complex commercial questions
• AI agents can automate renewal workflows
• FP&A teams can run scenario modeling
• Lawyers can query obligations instantly
• Procurement can optimize spend across categories

Terzo is the data backbone for every GenAI workflow.

Terzo is not a CLM. It is an enterprise AI and data platform.

Terzo = Contract AI + Spend Intelligence, not workflow.

Terzo competes primarily with enterprise AI, data transformation, and analytics providers not traditional CLM tools. While CLMs focus on workflow, Terzo focuses on data accuracy, AI readiness, and financial intelligence at scale.

Closest Competitors & Market Adjacent Players

Terzo is most often compared to large consulting, AI, and data firms such as:

• Accenture
• Deloitte
• Suplari
• PwC
• Genpact
• SirionLabs
• Palantir
• KPMG
• IBM Watson
• C3.ai

These companies either:

• Build custom data pipelines
• Provide AI/analytics services
• Attempt document AI at scale
• Focus on workflow automation rather than data quality

Where Terzo Differentiates

Unlike service-heavy models or legacy CLMs, Terzo delivers:

• Out-of-the-box, AI-powered contract intelligence
• SLA-backed accuracy on unstructured, non-templated documents
• A continuously maintained, analytics-ready data layer
• Unified visibility across contracts, spend, obligations, and suppliers

Most competitors offer tools or consulting. Terzo delivers trusted, structured data — the foundation required for GenAI, financial optimization, and enterprise-scale decision intelligence.

Terzo handles over 200+ document types, including:

• MSAs, SOWs, Amendments
• NDAs, Pricing Schedules, Order Forms
• Invoices, POs, Receipts
• Supplier catalogs
• Logistics and transportation contracts
• Manufacturing agreements
• SaaS & licensing contracts

If it's unstructured and has commercial value, Terzo can extract it.

Terzo's AI models operate at enterprise scale:

• Millions of documents
• Enterprise SLA-backed turnaround times
• Near-real-time analytics activation
• AI-ready data available within days, not months

This speed is a major differentiator versus consulting-led data cleanup efforts.

Typical timeline:

• Weeks, not months
• No data scientists or AI engineers required
• No workflow changes necessary
• Immediate value from day one

Terzo is designed for rapid time-to-value, especially for large enterprises.

Absolutely. Terzo is engineered for enterprise and government-level security, meeting the highest global standards for data protection, auditability, and AI governance.

Certifications & Compliance

Terzo maintains the following independently audited certifications:

• SOC 1 Type II
• SOC 2 Type II
• ISO 27001
• ISO 42001 (AI Management System)

Security Architecture

• Encryption: end-to-end encryption (in transit + at rest)
• Isolation: customer-isolated environments — no shared data, no shared learning
• Access: zero-trust access framework
• Controls: granular RBAC/ABAC controls
• Audit: comprehensive audit logging and monitoring
• Deployment: private cloud, VPC, and on-prem options

AI Governance & Safety

With ISO 42001 compliance, Terzo ensures:

• Responsible model training and evaluation
• Human-in-the-loop QA
• Bias and drift monitoring
• Full traceability of AI-generated outputs
• Transparent controls for enterprise oversight

Data Privacy

• GDPR compliant
• HIPAA-ready architecture
• Customer retains 100% ownership of data
• No data is ever used to train public or shared models

In short: Terzo meets the security, privacy, and AI governance expectations of the world's most regulated enterprises — ensuring your contract and financial data remain protected, controlled, and fully auditable.