Terms of Service

1. Agreement to Terms

By accessing or using Finnoo's website, products, or services (collectively, the "Services"), you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing our Services.

These Terms apply to all visitors, users, and others who access or use the Services. Additional terms may apply to specific services, and such terms will be made available to you in connection with those services.

2. Eligibility

To use our Services, you must:

• Be at least 18 years of age or the age of majority in your jurisdiction
• Have the legal capacity to enter into a binding contract
• Not be prohibited from receiving our Services under applicable laws
• Provide accurate and complete registration information

If you are using our Services on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

3. Account Registration

Some features of our Services may require you to register for an account. When you register, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your password and accept all risks of unauthorized access
• Notify us immediately of any unauthorized use of your account
• Take responsibility for all activities that occur under your account

We reserve the right to suspend or terminate your account if any information provided during registration or thereafter proves to be inaccurate, false, or misleading.

4. Use of Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use our Services for your personal or internal business purposes.

Permitted Uses

You may use our Services to:

• Access financial information and educational content
• Use our financial tools and calculators
• Contact our financial advisors (where available)
• Participate in community discussions (where available)

Prohibited Uses

You agree not to:

• Use our Services for any illegal purpose or in violation of any laws
• Infringe upon the intellectual property rights of others
• Upload or transmit viruses or malicious code
• Attempt to gain unauthorized access to our systems
• Use our Services to harass, abuse, or harm others
• Misrepresent your identity or affiliation with any person or entity
• Interfere with or disrupt the integrity or performance of our Services

5. Intellectual Property

The Services and their original content, features, and functionality are owned by Finnoo and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Finnoo.

You may not modify, reproduce, distribute, create derivative works of, publicly display, or in any way exploit any of the content available through our Services without our express written permission.

6. User Content

Our Services may allow you to post, link, store, share, and otherwise make available certain information, text, graphics, videos, or other material ("User Content"). You are responsible for the User Content that you post on or through the Services.

By posting User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, and transferable license to use, reproduce, distribute, prepare derivative works of, display, and perform the User Content in connection with the Services.

You represent and warrant that:

• You own or have the necessary licenses to the User Content
• The User Content does not violate the privacy or intellectual property rights of any third party
• The User Content complies with these Terms and applicable laws

We reserve the right to remove any User Content that violates these Terms or that we find objectionable for any reason.

7. Financial Information Disclaimer

The information provided on our website is for educational and informational purposes only and should not be construed as financial advice. We are not financial advisors, and the content we provide does not constitute a recommendation to buy, sell, or hold any financial instrument.

You should consult with a qualified financial advisor before making any financial decisions. We do not guarantee the accuracy, completeness, or timeliness of the information provided on our website.

8. Third-Party Links

Our Services may contain links to third-party websites or services that are not owned or controlled by Finnoo. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Finnoo shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such websites or services.

9. Termination

We may terminate or suspend your account and bar access to the Services immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever, including but not limited to a breach of the Terms.

If you wish to terminate your account, you may simply discontinue using the Services or delete your account through the account settings (where available).

All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

10. Limitation of Liability

In no event shall Finnoo, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

Our total cumulative liability to you for all claims arising from or relating to these Terms or your use of the Services shall not exceed the amount you have paid us, if any, for access to the Services in the twelve (12) months prior to the event giving rise to the liability.

11. Disclaimer of Warranties

Your use of the Services is at your sole risk. The Services are provided on an "AS IS" and "AS AVAILABLE" basis. The Services are provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Finnoo does not warrant that:

• The Services will function uninterrupted, secure, or available at any particular time or location
• Any errors or defects will be corrected
• The Services are free of viruses or other harmful components
• The results of using the Services will meet your requirements

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

13. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you must stop using the Services.

14. Contact Information

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

• By email: finnoo@finnoo.com
• By visiting our contact page: Contact Us
• By Address: Finnoo Inc., 123 Powai Mumbai, Chandivali, India 400072