Terms of Service

1. Agreement to Terms

By accessing or using FinAI ("we," "our," or "us"), including our web application and desktop application (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not access or use our Service. These Terms constitute a legally binding agreement between you and FinAI.

2. Eligibility and Account Registration

2.1 Age Requirement

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms.

2.2 Account Registration

To access certain features of our Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

2.3 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We are not liable for any loss or damage arising from your failure to protect your account information.

3. Description of Service

FinAI provides a financial intelligence platform that includes:

• AI-powered financial analysis and insights using Google Gemini 2.0 Flash
• Real-time market data, news, and sentiment analysis
• Financial research tools and stock screening capabilities
• Algorithmic trading features (desktop application)
• Broker account integration and trading execution (desktop application)
• Portfolio management and analytics
• Investment advice and recommendations

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We do not guarantee that the Service will be available at all times or that it will be error-free.

4. Acceptable Use Policy

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws or regulations
• Violate any securities laws or regulations in your jurisdiction
• Attempt to gain unauthorized access to the Service or any related systems
• Interfere with or disrupt the Service or servers connected to the Service
• Use automated systems (bots, scrapers) to access the Service without permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Transmit any viruses, malware, or harmful code
• Impersonate any person or entity or misrepresent your affiliation
• Use the Service to engage in market manipulation or insider trading
• Share your account credentials with third parties
• Use the Service in a manner that could damage, disable, or impair our systems

5. Financial Information and Trading

5.1 Not Financial Advice

The information, analysis, and recommendations provided by FinAI are for informational and educational purposes only. They do not constitute financial, investment, legal, or tax advice. You should consult with qualified financial advisors, tax professionals, or legal counsel before making any investment decisions.

5.2 Investment Risks

All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. You acknowledge that:

• You understand the risks associated with trading and investing
• You are solely responsible for your investment decisions
• We are not liable for any losses resulting from your use of the Service
• Market conditions can change rapidly and unpredictably

5.3 Algorithmic Trading

If you use our algorithmic trading features:

• You are responsible for configuring and testing your trading strategies
• You understand that automated trading carries additional risks
• You are responsible for monitoring your automated trades
• We are not responsible for losses resulting from algorithmic trading

5.4 Broker Integration

When you connect your broker account, you authorize us to access your account information and execute trades on your behalf as instructed. You are responsible for ensuring that you have proper authorization to connect the account and that all trades comply with applicable laws and regulations.

6. Intellectual Property Rights

6.1 Our Content

The Service, including its original content, features, functionality, design, logos, trademarks, and software, is owned by FinAI and protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without our prior written consent.

6.2 Your Content

You retain ownership of any content you submit to the Service. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute your content for the purpose of providing and improving our Service.

6.3 Third-Party Content

The Service may include content from third parties, including market data providers, news sources, and AI services. Such content is subject to the respective third parties' terms and conditions.

7. Subscription Plans and Payment

7.1 Subscription Plans

We offer various subscription plans with different features and limitations. You agree to pay all fees associated with your selected plan in accordance with the pricing terms presented at the time of purchase.

7.2 Payment Terms

• Fees are charged in advance on a recurring basis (monthly or annually)
• All fees are non-refundable except as required by law
• You are responsible for providing valid payment information
• We reserve the right to change our pricing with 30 days' notice
• Failure to pay may result in suspension or termination of your account

7.3 Cancellation

You may cancel your subscription at any time through your account settings. Cancellation will take effect at the end of your current billing period. You will continue to have access to paid features until the end of the billing period.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability, fitness for a particular purpose, or non-infringement
• Warranties that the Service will be uninterrupted, secure, or error-free
• Warranties regarding the accuracy, reliability, or completeness of information
• Warranties that defects will be corrected

We do not warrant that the Service will meet your requirements or that the operation of the Service will be uninterrupted or error-free. Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINAI AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Investment losses or trading losses resulting from use of the Service
• Damages resulting from unauthorized access to your account
• Damages resulting from system failures, interruptions, or errors
• Damages resulting from reliance on information provided by the Service

Our total liability to you for any claims arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater. Some jurisdictions do not allow the limitation of liability, so some of the above limitations may not apply to you.

10. Indemnification

You agree to indemnify, defend, and hold harmless FinAI and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any rights of another party, or (d) your violation of any applicable laws or regulations.

11. Termination

11.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your settings.

11.2 Termination by Us

We may suspend or terminate your account immediately, without prior notice, if you:

• Violate these Terms or our Privacy Policy
• Engage in fraudulent, illegal, or harmful activities
• Fail to pay required fees
• Use the Service in a manner that could harm us or other users

11.3 Effect of Termination

Upon termination, your right to use the Service will immediately cease. We may delete your account and data, subject to our data retention policies and legal obligations. Provisions of these Terms that by their nature should survive termination shall survive termination.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.

12.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or the Service shall be resolved through:

• Good faith negotiation between the parties
• If negotiation fails, binding arbitration in accordance with [Arbitration Rules]
• Class action waiver: You agree not to participate in class action lawsuits

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after such changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and may terminate your account.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinAI regarding the use of the Service and supersede all prior agreements and understandings.

16. Contact Us

If you have any questions about these Terms of Service, please contact us: