1. Introduction and Acceptance

Welcome to Finestro, an online platform and service operated by Findmy LLC, a Delaware limited liability company (the “Company,” “we,” “us,” or “our”). These Terms of Service (these “Terms”) govern your access to and use of our website (finestro.io, finestro.ia) and all related services, products, software, features, and content provided through it (collectively, the “Service”) . By accessing or using the Service (including browsing the website(s), using any tools, products, services), you acknowledge that you have read, understood, and agree to be legally bound by these Terms, as well as our Privacy Policy (incorporated herein by reference) and any other policies referenced in these Terms. If you do not agree with these Terms or any related policies, you must not use the Service.

By agreeing to these Terms, you represent and warrant that you are at least 18 years old (or the age of legal majority in your jurisdiction) and have the legal capacity to enter into a binding contract. If you are using the Service on behalf of a company or other entity, you represent that you have authority to bind that entity to these Terms. You also represent that you are not barred from using the Service under any applicable laws, for example, you are not located in a country that is subject to U.S. or EU sanctions or embargoes, and you are not on any government list of prohibited or restricted parties.

We reserve the right to modify or update these Terms from time to time. If we make material changes, we will update the “Last Updated” date above and, if required by law, provide additional notice (for example, via email or a notice on our website(s)). Your continued use of the Service after any such changes become effective constitutes your acceptance of the new Terms. If you do not agree to any update, you must stop using the Service.

2. Account Registration and Security

To access many features of Finestro, you must create a user account. When registering, you agree to provide true, accurate, current, and complete information about yourself as prompted by the signup process (including a valid email address and any required profile information). You also agree to keep your information updated. You are responsible for maintaining the confidentiality of your account login credentials and for all activities that occur under your account. You should use a strong password and limit access to your account. You agree not to share your account with anyone or allow others to use your login credentials. If you become aware of any unauthorized access or use of your account, you must notify us immediately. We are not liable for any loss or damage arising from your failure to secure your account or to notify us of unauthorized use in a timely manner.

You may not register multiple accounts for yourself or create an account using someone else’s identity or information. You agree not to misrepresent your identity or affiliation with any person or entity. The account you create is personal to you and not transferable. We reserve the right to suspend or terminate accounts that violate these requirements.

3. Services

Finestro provides a platform that connects users seeking financial information or advice with independent financial experts for one-on-one consultations, and also provides various educational resources and tools related to personal finance and investment. The features of our Service include, among other things:

• Educational Content: A library of content such as video lessons, articles, guides, modules, and quizzes to help users learn about finance and investing.
• Investment Simulator (“Invest Hub”): An interactive simulation tool for educational practice trading, using virtual funds (no real money) to mimic market scenarios in a risk-free environment.
• AI Assistant (“Alex”): An AI-powered chat tool that can answer finance-related questions and assist users with information (for educational purposes only, not personalized financial advice).

All content and features provided through the Service, including those listed above, are collectively referred to in these Terms as the “Service Content”. You may be required to purchase a subscription or pay other fees to access certain Service Content, as described in Section 7 (Subscriptions, Fees, and Payment).

Please note that we may introduce new features or make changes to existing features as the Service evolves. Any new feature that we add will also be considered part of the “Service” and will be governed by these Terms (and additional terms if applicable). We reserve the right to modify or discontinue any feature or portion of the Service at any time (see Section 19 on Changes to Service).

4. Investment Simulator (“Invest Hub”)

Finestro includes access to an investment simulation tool called the “Invest Hub.” This tool is provided for educational and practice purposes only. The Invest Hub allows you to simulate trading or investment scenarios with virtual funds - no real money is used at any time. Any values, balances, or asset prices shown in the simulator are fictional and for gamification/learning only. No actual financial transactions are executed through the Invest Hub.

By using the Invest Hub, you acknowledge that it is not a real trading platform and does not provide any investment advisory or brokerage services. All decisions you make in the simulator are purely hypothetical. Performance or outcomes in the simulation (positive or negative) do not reflect or guarantee similar results in real markets. Past performance in the simulator is not indicative of future real-world results.

You agree that you will not rely on the Invest Hub or any simulated results as the sole basis for any real investment decision. Any real investments you decide to make are your own responsibility, and you should carefully research and consider your personal situation, possibly with guidance from a qualified financial professional. The Company is not liable for any real financial losses (or missed gains) that may occur if you attempt to apply strategies from the simulator to real life. Use of the Invest Hub is at your own risk and for your personal education. We may impose rules or limits on the simulator (for example, resetting virtual funds periodically, limiting the types of simulated trades, or resetting data) to ensure a fair and useful experience for all users.

5. AI Assistant “Alex”

Finestro may offer access to an AI-powered chat assistant nicknamed “Alex” (the “AI Assistant”). The AI Assistant is designed to answer questions and provide information on finance and related topics in an interactive manner. The AI Assistant’s responses are for general informational and educational purposes only - they are not personalized financial advice and should not be treated as professional guidance for your particular situation. Always use your own judgment and consider consulting a licensed professional for specific advice.

When you interact with Alex, you may input questions, text, or other prompts (your “Input”), and the Assistant will generate a response (“Output”). You retain any ownership and rights you have in the content of your Input. Additionally, to the extent permitted by law, we grant you ownership of the AI-generated Output that Alex provides to you in response. This means you can use, copy, or modify the Output for your personal purposes, subject to any third-party rights that may be contained in the Output (for example, if the Output includes a quote or information from another source, you may need to respect fair use or get permission from that source).

Use of AI Content: You acknowledge that AI-generated content may not be unique to you. Due to the nature of machine learning, it is possible that the same or similar Outputs could be generated for different users with similar Inputs. You agree that such coincidental similarity does not give you any claim against the Company or other users. The Output provided to other users is not considered your content.

Data Usage and Improvement: By using the AI Assistant, you grant us and our service providers a limited license to use your Input and Output for the purpose of operating and improving the Service. Specifically, we may process your Input through third-party AI providers (such as OpenAI or similar machine-learning APIs) to generate responses. We may also store your conversations or utilize them to train or fine-tune our models, improve accuracy, or develop new features. If you prefer that your AI interactions not be used to improve the Service, you may have an option to opt-out of such use by contacting our support team. Our use of your data in connection with the AI Assistant will be in accordance with our Privacy Policy and applicable data protection laws.

Limitations of AI: You understand that Alex is an evolving technology and may occasionally produce incorrect or misleading information. The Assistant does not have perfect knowledge, especially about specific personal circumstances or rapidly changing events. Do not rely solely on Alex’s responses for important decisions. The Company makes no warranty that the AI Assistant’s answers will be correct, reliable, or suitable for your needs. Always double-check critical information. We are not responsible for any actions you take or refrain from taking based on Output from the AI Assistant.

We reserve the right to limit or suspend the AI Assistant feature at any time, for example if usage is excessive or if we detect prompts that violate our Acceptable Use policies (see Section 9). You agree not to use the AI Assistant to generate disallowed content (such as harassment, hate speech, or anything illegal) and understand that we may monitor and retain AI interactions to the extent permitted by law to ensure compliance and improve the service.

6. Intellectual Property and License Rights

6.1 Ownership of Service Content: All materials and content provided as part of the Service - including the website(s) design, text, graphics, logos, branding, trademarks (e.g., the “Finestro” name and logo), videos, articles, software code, and other content (collectively, the “Service Content”) - are owned by the Company or its licensors and are protected by copyright, trademark, and other intellectual property laws. Findmy LLC retains all right, title, and interest in and to the Service and all Service Content, including all related intellectual property rights, except for content provided by users as described below. You agree that nothing in these Terms transfers any ownership of any intellectual property to you or any user; rather, you are granted a limited right to use the Service Content under the license described in this Section.

6.2 License to Use the Service: Subject to your compliance with these Terms and applicable laws, the Company grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service and Service Content for your own personal, non-commercial use. This license is provided solely for the purpose of enabling you to use and enjoy the benefit of the Service as intended by us and as permitted by these Terms. You acknowledge that all software, algorithms, and underlying technology of the Service are proprietary to the Company or its partners.

6.3 License Restrictions: You agree that you will NOT, and will not permit anyone else to, do any of the following with respect to the Service or Service Content, except as expressly authorized in writing by us:

• No Copying or Derivatives: You may not reproduce, distribute, publicly display, publicly perform, or create derivative works from the Service or any Service Content (e.g. copying text, images, or code from the website(s)), except as allowed under these Terms or by law (such as brief quotations under fair use).
• No Reverse Engineering: You may not reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or trade secrets of any portion of the Service, except to the limited extent that applicable law expressly permits this despite a contractual prohibition.
• No Resale or Transfer: You may not rent, lease, lend, sell, license, sublicense, or transfer the Service or your account or any of your rights under these Terms to any third party.
• No Removing Notices: You may not remove, obscure, or alter any copyright, trademark, or other proprietary notices that appear on the Service or Service Content.
• No Automated Scraping: You may not use any robot, spider, scraper, or other automated means to access the Service or extract data (including scraping content or contact information) without our express permission.
• No Misuse or Unauthorized Use: You must not use the Service for any purpose that is unlawful or prohibited by these Terms. This includes not exploiting the Service to build a competing product or service, and not using the Service Content in a manner that suggests an affiliation with or endorsement by Finestro that does not exist.

Any use of the Service or Service Content that is outside the scope of the license granted in these Terms will be considered a violation of our intellectual property rights and a breach of these Terms. Such unauthorized use may result in the immediate suspension or termination of your account (Section 12) and may also violate applicable law, which could subject you to legal liability .

6.4 User Content: If you post, upload, or otherwise provide any content to the Service (for example, a profile picture, reviews or feedback, questions in forums, or any other text, images, or materials - collectively, “User Content”), you retain any ownership rights you have in that content. However, by submitting User Content, you grant the Company a worldwide, royalty-free, sublicensable, transferable license to host, store, reproduce, modify, create derivative works of, distribute, publish, and otherwise use your User Content for the purpose of providing and improving the Service and as otherwise permitted by our Privacy Policy. For example, if you post a testimonial or feedback, you allow us to display it. We will not use your User Content for marketing or other purposes outside the scope of the Service without your consent.

You are solely responsible for any User Content you provide. You must ensure that you have all necessary rights to the content and that it does not infringe or violate the rights of any third party (such as copyright, trademark, privacy, or publicity rights) and is not defamatory, obscene, or unlawful. By providing any content, you represent and warrant that you have the right to do so and to grant us the license described above, and that our use of your content as permitted will not violate any law or anyone’s rights. We do not routinely monitor User Content, but we reserve the right to remove or disable any User Content that we believe may violate these Terms or the law, and to terminate accounts of repeat infringers.

6.5 Feedback: If you choose to provide any suggestions, ideas, or feedback to us about the Service (“Feedback”), you agree that we can use and implement such Feedback in our products and services without any obligation to you. Specifically, you hereby grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate any Feedback you provide, without any payment or credit to you.

7. Subscription Plans, Fees, and Payment

Certain features of Finestro (such as full access to educational content) may require a paid subscription or other fees. When you sign up for a trial or subscription, or make any purchase through the Service, you agree to the pricing and payment terms presented to you for that purchase. All fees are stated and charged in U.S. Dollars (USD) unless otherwise specified.

7.1 Introductory Trials: We may offer new users a one-time introductory trial period to evaluate the Service. The specific duration, features included, and any fee for the trial (if any) will be disclosed at the time you sign up. Unless otherwise stated, trial offers are limited to one per user. Trials might automatically convert to a paid subscription at the end of the trial period unless you cancel before the trial ends. We will inform you of the terms of conversion when you sign up. For example, if you do not cancel by the last day of a 7-day trial, we may automatically begin your paid subscription on the next day and charge your provided payment method the subscription fee. Mark your calendar or set a reminder for when your trial ends so you can cancel in time if you decide not to continue.

7.2 Subscription Plans: We offer subscription plans for ongoing access to the Service Content (for example, plans of 4 weeks, 12 weeks, or other durations). The details of available plans, including their lengths, features (such as which content is included), and pricing, will be provided on our website(s) at the time of purchase. When you subscribe, you are purchasing a recurring subscription that will automatically renew at the end of each billing period unless cancelled as described below. For instance, if you purchase a 4-week subscription, it will renew for another 4-week period and charge you again at the standard rate, every 4 weeks, until you cancel. The standard renewal rate may be different from a special introductory rate you received; unless we inform you of a change, the renewal will be at the then-current standard price for your plan.

7.3 Payment Methods: We accept various payment methods for subscriptions and purchases, such as major credit cards, debit cards, PayPal, and Apple Pay, processed through third-party payment processors like Stripe and Braintree, etc. By providing a payment method, you represent that you are authorized to use that method and you authorize us (and our payment processors) to charge your chosen payment method for the fees due (including applicable taxes) for any purchases, subscriptions, or renewals. Authorization: You consent to our processor storing your payment information and charging the recurring subscription fees automatically at the start of each billing cycle without further action by you. For example, if you sign up and pay on January 1, and it’s a monthly plan, you authorize us to charge your card again on February 1, March 1, and so on until you cancel.

7.4 Billing Cycle and Auto-Renewal: Subscription fees are charged at the beginning of each subscription term (and for renewals, on the first day of the renewal term). We typically bill the same calendar day that you signed up in each renewal period. However, if a renewal would fall on a date that doesn’t occur in a given month, or on a weekend or holiday, we may adjust the billing date (for example, if you subscribed on the 31st of a month, and a month has only 30 days, we might bill on the 30th or next business day). We will try to keep your billing date consistent and will notify you of any material changes to billing schedules. Auto-Renewal: UNLESS YOU PROPERLY CANCEL before the end of the current term, your subscription will automatically continue and we will charge your payment method for the next term’s fee. This will happen without further notice, except that we may send a reminder for longer billing intervals (e.g., annual plans) if required by law or as a courtesy. By subscribing, you accept responsibility for all recurring charges until you cancel.

7.5 Changes to Plans or Pricing: Our subscription offerings and prices may change over time. We reserve the right to introduce new plans, change the features or limits of existing plans, or adjust prices at our sole discretion. If you are a current subscriber, any price increase or significant change in your plan’s features will be communicated to you in advance, in accordance with applicable laws (typically via email or via the Service).

Advance Notice: We will give you reasonable notice (for example, at least 14 days) before a material price increase or plan change affecting you is set to occur, to allow you an opportunity to cancel if you do not agree. If you do not cancel, the new price or plan terms will take effect from your next billing cycle. Promotional or introductory discounts apply only for their stated initial term, and thereafter subscriptions renew at the standard rate. We will not retroactively change fees for a period you’ve already paid for. All fees and charges are non-refundable except as expressly stated in these Terms or required by law (see Section 8 on Refunds) .

7.6 One-Time Purchases: In addition to subscriptions, the Service may allow you to make one-time purchases, such as purchasing additional content or features (if not included in a subscription). The fee for any one-time purchase will be disclosed at the time of the transaction, and you agree to pay that amount. When you confirm one-time service, you may be charged immediately upon confirmation of purchase or upon delivery of the service, as specified. The general no-refund policy described in Section 8 applies to one-time purchases as well, unless otherwise provided by law or a specific guarantee for that product/service.

7.7 Payment Failures: It is your responsibility to ensure that your provided payment method information is current, valid, and has sufficient funds. If a recurring payment fails (for example, due to an expired card or insufficient funds), we (or our processor) may attempt to re-run the charge or contact you for an updated payment method. If payment remains unsuccessful, we reserve the right to suspend or cancel your subscription for non-payment. You will remain responsible for any amounts that could not be charged, and we may limit your access to paid features until the balance is paid. By providing a payment method, you acknowledge that billing may involve submitting your information to third-party payment processors, and that your information will be handled by them pursuant to their own terms and privacy policies. We are not responsible for any errors or security breaches by these payment processors.

7.8 Taxes: Our prices do not automatically include any taxes that may apply. If any sales, use, value-added, or other taxes (collectively “Taxes”) are required by law on your purchase, we will either include them in the price or charge them additionally. If we are required to collect Taxes, we will do so at the applicable rate at the time of your transaction, and you agree to pay such Taxes. Where applicable, such Taxes will be shown at checkout. You are responsible for any taxes or duties on your purchases, except taxes based on our income. We reserve the right to adjust pricing if tax rates change.

8. Cancellation and Refund Policy

8.1 Cancellation of Subscription by You: You have the right to cancel your subscription or trial at any time, effective as of the end of your current billing period. You may cancel by contacting our customer support (e.g., by emailing [email protected]). For subscriptions purchased on our website, a cancellation request must be received at least 24 hours before the end of your current trial or subscription term to avoid being charged for the next period. Once you cancel, your subscription will not auto-renew further. You will continue to have access to the paid features until the end of the period you already paid for, but you will not receive a prorated refund for the remaining days in the cycle except where required by law.

If you cancel during a free or introductory trial, cancellation will prevent the trial from converting into a paid subscription. If you cancel a paid introductory trial (one that had an upfront fee) before it ends, you will not be charged for a full subscription, but the initial trial fee itself is generally non-refundable (except as required by law). Upon cancelling a trial, your access to premium features may end immediately or at the trial’s scheduled end, at our discretion.

8.2 Termination or Cancellation by Us: We reserve the right to terminate or not renew your subscription at our discretion. If we discontinue or materially downgrade the Service or your plan and end your subscription without cause, we will provide a pro-rata refund of any prepaid amounts for the remaining period. If, however, your access is terminated or suspended for cause - for example, due to your violation of these Terms, fraud, or non-payment - you will not be entitled to any refund for unused time. (Termination of accounts is further addressed in Section 12.)

8.3 General No-Refund Policy: All purchases and payments are generally non-refundable. By default, once a payment has been made (whether for a subscription renewal, a one-time consultation, or any other Service purchase), it is final and will not be refunded except in the specific circumstances described in these Terms or as required by applicable law. This no-refund policy applies to subscription fees (including if you cancel mid-way through a month or term), trial fees, one-time purchases, and unused Service Content. For example, if you forget to cancel before your subscription renews, or if you only used the Service lightly or not at all during a period, you are not automatically eligible for a refund. We urge you to evaluate the Service promptly during any trial period and cancel timely if it isn’t a fit.

8.4 Specific Refund Conditions: We may consider refund requests in the following situations, in our sole discretion or where required by law:

• Billing Errors: If you were charged in error (e.g., duplicate charges, incorrect amount, or you were charged despite having canceled properly), please notify us and we will investigate and correct the mistake. Verified billing errors will be refunded or credited.
• Service Not Provided: If a paid Service was not delivered or accessible due to an error on our part (for example, our system denied you content you paid for), we will provide the appropriate remedy (such as delivering the content or issuing a refund for that item).
• Technical Issues or Outages: If a significant technical problem with the Service (such as an extended outage or error) impaired your use of a subscription that you paid for, contact us. We may extend your subscription or issue a partial refund at our discretion to compensate for the disruption. Minor or temporary Service issues will not generally warrant a refund.

Except as stated above or as required by law, we do not grant refunds for reasons such as: changing your mind about a purchase, deciding you no longer need the Service, dissatisfaction with the content or features (unless we’ve materially failed to deliver what was promised), lack of usage, or failure to cancel before renewal. For instance, not realizing that a subscription would auto-renew, or not using the Service as much as anticipated, are not grounds for a refund. We provide ample information about our plans and auto-renewal, and it is your responsibility to manage your subscription.

8.5 Chargebacks: Initiating a chargeback or payment dispute with your bank or credit card for a charge from us without first contacting us to resolve may be considered a violation of these Terms. If you dispute a legitimate charge, we reserve the right to suspend your account pending resolution. We also reserve the right to contest any unwarranted chargebacks. Abuse of chargebacks (for example, trying to get a refund via the bank while still continuing to use our Service) may result in termination of your account and legal action. If a chargeback is granted by your bank, your account will be terminated immediately upon notice to us of the chargeback.

8.6 Legal Rights EU/UK Consumers (14-Day Withdrawal): If you are a consumer resident in the European Union, European Economic Area, or United Kingdom, you have a statutory right under EU/UK law to withdraw from a contract for digital services within 14 days of purchase without giving any reason. However, by purchasing a subscription or digital service from Finestro, you expressly request and consent that we begin providing the service immediately (e.g., by giving you instant access to premium content or features) and you acknowledge that if the service is fully provided to you, you will lose the right to withdraw from the contract. For a subscription service that begins immediately, this typically means your 14-day withdrawal right expires once the digital service has been fully performed or significantly used by you. If you do not agree to waive the cooling-off right, do not complete the purchase.

8.7 Residents Outside EU/UK: If you reside outside the EU/EEA/UK, local laws regarding refunds and cancellations may vary. In the U.S. and Canada, for example, there is generally no automatic “cooling-off” cancellation period for online subscriptions. Our no-refund policy will apply to you except to the extent that applicable law in your jurisdiction provides otherwise. If your local consumer laws mandate any cancellation or refund rights, we will honor those as required. Otherwise, purchases are final as stated.

8.8 Processing Refunds: If a refund is issued, it will be credited to the original payment method used (or, if not feasible, through an alternative method we mutually agree on). Please note it may take several business days for refunds to appear on your account. Subscription cancellations that result in a refund (when required by law or granted by us) will typically cause the immediate termination of access to the paid Service. In other words, if we agree to refund a charge for a given period, you will lose premium access for that period since you’re getting your money back.

By using the Service or making a purchase, you acknowledge and agree to this refund policy. You further agree not to circumvent it by attempting to obtain refunds through your bank that are not in line with these Terms. This Section does not affect any rights you have under law. If any refund is provided beyond what the law requires, it is done at our discretion and does not waive our rights to enforce the no-refund policy thereafter.

9. User Conduct and Prohibited Activities

You agree to use Finestro only for lawful purposes and in accordance with these Terms. You must not (and must not assist or enable any other person to) use the Service in any way that:

Violates Any Law or Regulation: You may not use the Service for any illegal purpose, or to encourage or facilitate illegal activity. You agree to comply with all applicable laws and regulations in connection with your use of Finestro. This includes, without limitation, laws governing financial advice, securities trading, data protection, intellectual property, and export control/sanctions. (For example, you may not use the Service if you are in a country prohibited by U.S. or EU export laws, or use it to transmit content in violation of sanctions.)

Infringes or Violates Rights: You must not upload, post, or share any content that infringes or violates another person’s rights. This means no posting of content that is protected by copyright, patent, trademark, trade secret or other proprietary rights without permission, and no violation of privacy or publicity rights of others. You are responsible for ensuring you have the rights to any content you use on the platform (including in AI prompts).

False or Misleading, or Fraudulent Conduct: You must not use the Service to impersonate any person or entity, or misrepresent your identity or affiliation. Do not attempt to defraud others on the platform (e.g., by providing false information, or by soliciting money or personal information under false pretenses). Any fraud or attempted fraud may result in termination and reporting to authorities.

Harassment or Harm: You may not use the Service to transmit or share any content that is defamatory, libelous, harassing, threatening, hateful, abusive, or that could reasonably be seen as harmful or objectionable. This includes hate speech, offensive slurs, or any content that targets individuals or groups in a derogatory manner. Treat other users with respect and professional courtesy. Harassment, bullying, or abuse of any kind is prohibited.

Obscene or Illegal Content: Do not use Finestro to send or store any obscene, pornographic, indecent, or illegal content. Content involving exploitation of minors, human trafficking, or any other criminal activity is strictly forbidden and will be reported to law enforcement.

Malware and Security Violations: You must not introduce viruses, Trojan horses, worms, logic bombs, or any other malware or harmful code into the Service. You also must not attempt to gain unauthorized access to the Service or its systems, or bypass any security measures. No hacking, scanning, or testing vulnerabilities of our systems is allowed. Any attempt to attack or disrupt the Service (e.g., via denial-of-service attack or similar) is strictly prohibited.

Interference with Operation: Do not use the Service in a manner that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party’s use and enjoyment of the Service. This includes not engaging in excessive usage beyond what is permitted by your plan (except with our consent), not spamming others with unsolicited content, and not using automated means to use the Service beyond the provided interface.

Circumvention of Limits: Do not attempt to circumvent or bypass any usage limits, restrictions, or controls that we have placed on the Service. For example, if your plan limits you to a certain number of AI queries, you should not create multiple accounts or use technical measures to evade those limits. Similarly, do not attempt to access areas of the Service or data that you do not have permission to access.

Reselling or Commercial Misuse: You may not resell or commercially exploit access to the Service (or any content or features of it) without our prior written consent. The Service is for your personal use only. Using the outputs or content from the Service for running your own competing service, or falsely implying that content generated by Finestro is your own product, is prohibited.

Disrupting Others’ Experience: You must not engage in behavior that interferes with or disrupts the normal flow of dialogue or interaction on the platform. This includes not only technical disruption but also spamming message boards, excessively contacting other users with unsolicited offers, or any behavior that significantly detracts from other users’ experience. We reserve the right to moderate, limit, or block behaviors that we determine are disruptive.

Violation of Third-Party Terms: Because our Service integrates third-party services (like payment processors, AI APIs, etc.), you must not use Finestro in ways that cause us to violate those third-party terms. For example, if OpenAI’s policy prohibits certain content in AI queries, you should not attempt to generate such content via our AI Assistant. Violation of third-party terms can jeopardize our partnerships and will be treated as a violation of these Terms.

Use in Prohibited Regions: You may not use or access Finestro if you are located in any country or region subject to comprehensive sanctions or embargoes by the U.S., EU, or other applicable government (this includes, for example, North Korea, Iran, Syria, Cuba, the Crimea region, Russia and any other territory restricted by law). We also do not permit use by individuals on government-maintained prohibited party lists (e.g., the U.S. Treasury’s Specially Designated Nationals list). If we determine that you are using the Service from a prohibited region or are a prohibited party, we will terminate your access immediately without refund and may report such use to authorities.

This list of prohibited uses is not exhaustive. Any conduct that we, in our discretion, believe violates the spirit of these Terms or harms our users, community, or platform may result in enforcement action. We reserve the right to monitor usage of the Service (in accordance with our Privacy Policy and applicable law) and to investigate any suspected violation of this Section or any other part of these Terms . Enforcement actions may include warnings, content removal, suspension or termination of accounts (Section 12), and involvement of law enforcement if necessary.

If you become aware of misuse of the Service by any person, please contact us to report it. We appreciate your cooperation in keeping Finestro a safe and trustworthy environment for all users.

10. Third-Party Services and Integrations

Finestro integrates with or links to various third-party services to deliver certain functionality. By using our Service, you acknowledge and agree to the following:

External Platforms: Some features (such as payment processing, AI processing, etc.) rely on external platforms and APIs. For example, we use Stripe/Braintree/PayPal/etc. for payment processing, and third-party AI providers for the AI Assistant. Each of these services has its own terms and privacy policies, which may apply to you when you use their features via Finestro. We are not responsible for the terms or actions of these third parties.

Data Sharing: When you use a feature integrated with a third party, we will share data as needed for the feature to work. For instance, if you use the AI Assistant, your queries may be sent to an AI API. By using those features, you consent to the transfer of your data to those third parties and agree that the third parties can process it pursuant to their policies. We try to limit data shared to the minimum necessary (see Privacy Policy for details).

No Control: We do not have control over the uptime, reliability, or functionality of third-party services. Therefore, we make no warranties or guarantees regarding the availability or performance of those integrations. You agree that Finestro is not liable for damages arising from the failure of any third-party tool or service. We will, however, make reasonable efforts to help restore functionality or find alternatives in the event of a third-party failure.

Compliance with Third-Party Terms: You agree to use integrated third-party services in compliance with their terms of use. If a third-party provider (like an AI API) has acceptable use rules, any violation of those through Finestro is also a violation of our Terms. For instance, trying to get the AI to generate disallowed content violates the AI provider’s policies and ours. We may be required to take action (like removing content or suspending accounts) if we receive complaints or notices of violations from these third-party providers.

Third-Party Content and Links: The Service or users might provide links to third-party websites or resources. Such links are provided for convenience only. We do not endorse and are not responsible for third-party content, sites, or resources. If you access any third-party website or service from Finestro, you do so at your own risk, and you understand that these Terms and our Privacy Policy do not apply to your use of those external sites. You release us from any liability arising from your use of any third-party website, service, or content.

While we value the added functionality these third parties provide, any issue arising from their services should be addressed with those third parties. However, we welcome feedback and will try to assist you if possible (for example, if a payment processor double-charged you, we’ll help coordinate a fix).

11. Privacy and Data Security

Your privacy is important to us. Our collection, use, and disclosure of personal information in connection with the Service are described in our Privacy Policy, which is incorporated into these Terms by reference. By using Finestro, you agree that we can process your personal data in accordance with our Privacy Policy and applicable data protection laws (including the EU General Data Protection Regulation (GDPR) for users in the EEA, and equivalent laws in other jurisdictions). If you do not agree with our Privacy Policy, do not use the Service.

For more details on how we handle personal data, including rights you may have (like the right to access or delete your data), please review our Privacy Policy.

12. Termination and Suspension

12.1 Termination by You: You are free to stop using Finestro at any time. You may delete your account or cancel services as described in Section 8 (Cancellation). If you wish to permanently close your account, you may contact us to request deletion of your account and personal data (note that certain data may be retained for legal or internal business reasons as explained in our Privacy Policy). Termination of your account will be effective once we process your request, at which point you must cease all use of the Service. Keep in mind that even after deletion, residual copies of your content or communications may remain in our backups or may have been shared with others third-party providers.

12.2 Termination or Suspension by Us: We may suspend or terminate your account or access to any part of the Service immediately, without prior notice under certain circumstances, including but not limited to :

Violation of Terms: If you breach any provision of these Terms or violate any applicable law or regulation in connection with your use of the Service (for example, engaging in prohibited conduct in Section 9, or failing to pay fees when due).

• Fraud or Misuse: If we suspect that you have engaged in fraudulent activity, provided false information, or misused the Service in any way that could harm us or other users.
• Threats to Platform or Others: If your use of the Service poses a security risk, legal liability, or could disrupt others’ use of the Service (e.g., hacking attempts, posting malware, harassment of others)
• Required by Law: If we are required to terminate your access by law or at the request of law enforcement or other government agencies.

In cases of less severe violations or to investigate suspected issues, we may choose to suspend your account or restrict certain features in lieu of termination. Suspension may be lifted once the issue is resolved to our satisfaction, but we are not obligated to reinstate accounts.

12.3 Effect of Termination: Upon termination of your account for any reason: (a) Your right to access or use the Service will immediately cease - we may deactivate or delete your account and all associated data, and you must stop using the Service; (b) Any licenses or rights granted to you in these Terms will end; (c) You will not be entitled to any refunds of fees for the unused portion of your subscription or services, except as required by law or explicitly provided in these Terms (for example, if we terminated without cause, Section 8 provides for pro-rated refunds; if you violated the Terms, no refund); (d) You remain responsible for any outstanding payments owed up to the date of termination - if any fees were incurred prior to termination, we may charge those or invoice you and pursue collection if needed.

Termination of your account does not relieve you of liability for your actions prior to termination. Any breach of these Terms that occurred, any indemnification obligations, or any harm caused to us or others may still be pursued by us even after your account is closed. Likewise, certain provisions of these Terms survive termination (see Section 16 “Survival” below).

We also reserve the right to terminate all or part of the Service itself at any time (for all users) if, for example, we cease operations or discontinue a particular product. If we do so, we’ll endeavor to provide notice and potentially offer refunds for unused portions of subscriptions as appropriate.

12.4 Post-Termination Access: If your account is terminated or suspended, you must not access the Service under any other account or attempt to create a new account without our permission. Doing so may constitute unlawful trespass or unauthorized use. We reserve the right to use any technical means to enforce termination (such as blocking IP addresses, device identifiers, or email domains associated with you).

12.5 Survival: Any section of these Terms which by its nature should survive termination (such as limitation of liability, indemnification, dispute resolution, and others as listed in Section 16) will remain in effect even after your access to the Service ends.

13. Disclaimer of Warranties

The Service is provided “AS IS” and “AS AVAILABLE.” Your use of the Service and any Service Content is at your own risk. To the maximum extent permitted under applicable law, the Company disclaims all warranties and conditions, express, implied, or statutory, regarding the Service, the Service Content, and any results obtained from the Service. This includes, but is not limited to:

• Implied Warranties: We disclaim any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We make no warranty that the Service will meet your requirements or expectations, or that it will achieve any intended results.
• Continuity and Error-Free Operation: We do not guarantee that the Service will be available at all times, uninterrupted, or error-free. There may be delays, omissions, outages, or inaccuracies in the Service or Service Content. Any downtime or lack of availability can occur for maintenance, updates, technical problems, or reasons beyond our control. You assume all risk for any damage or loss caused by these issues. We will try to inform users of significant outages or schedule maintenance during low-usage times, but we are not liable for failing to do so.
• Security and Viruses: We do not warrant that the Service is secure or free from viruses, malware, or other harmful components. Although we employ security measures, no system can be completely secure or immune to hacking. You are responsible for using up-to-date antivirus software on your devices. If you download any content from the Service, you do so at your own discretion and risk.
• Accuracy of Information: Any information or content made available through Finestro (including via the AI Assistant, or educational materials) is for general informational purposes. We do not warrant or guarantee the accuracy, completeness, or usefulness of any information obtained through the Service. For example, the AI’s output might be wrong or misleading; articles might become outdated. Use your judgment and consult professional advice if needed. We specifically note that any financial or investment information on Finestro (whether from AI, or content) is not guaranteed - markets are unpredictable and personal situations vary. You agree that you use any such information at your own risk, and the Company is not responsible for any decisions you make based on it.
• No Professional Advice from Company: Finestro itself (the Company and the platform) does not provide financial, legal, tax, or investment advice. Any educational content or tools are not a substitute for professional advice. You should separately evaluate the advice you receive. If you choose to follow any advice, you do so at your own risk. The Company does not guarantee any outcome (such as financial gains) from using the Service.
• Outcomes and Success: We do not warrant that your objectives will be met through use of the Service. For example, we do not promise that you will achieve any particular financial result, improve your investment returns, or successfully solve any problem by using Finestro. Any testimonials or examples provided may not be typical, and individual results will vary.
• Third-Party Services and Content: We make no warranties regarding services or content provided by third parties (including other users, or integrated services, etc.). Those are provided “as is” as well. We disclaim responsibility for any third-party offerings.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above disclaimers may not apply to you. In such jurisdictions, our warranties are limited to the extent permitted by law. If any warranty is legally required, we limit its duration to the shortest period allowed by law.

We strive to provide a great service, but there are many things we cannot promise. You assume full responsibility for your use of Finestro. The entire risk as to the quality and performance of the Service is with you. If you are dissatisfied with the Service, your sole remedy is to stop using it or to terminate any paid subscription as allowed under these Terms.

14. Limitation of Liability

To the fullest extent permitted by law, the Company and its directors, shareholders, affiliates, officers, employees, contractors, agents, partners, and licensors shall not be liable to you for any indirect, incidental, special, consequential, or punitive damages whatsoever, or any loss of profits, revenues, goodwill, data, or other intangible losses arising out of or related to your use of (or inability to use) the Service. This limitation applies even if we have been advised of the possibility of such damages, and regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise).

In particular, and without limiting the generality of the foregoing, we and our affiliates will not be liable for:

• Decisions or actions you take based on information from the Service (whether from AI outputs, educational content, or any other feature). You assume all risk for any decisions, such as trades or investments you decide to make, strategies you implement, or any actions in your personal or professional life, even if influenced by something you learned on Finestro.
• Unauthorized access to your account or data, unless directly caused by our gross negligence or intentional misconduct. (For example, if someone hacks your account because you reused a password from a breached site, we are not liable for that misuse of your account.)
• Any downtime or service unavailability (even if prolonged), or the loss or corruption of data (including any content or settings you may have in the Service). We already stated we do not guarantee continuous service; accordingly, we are not liable for consequences of outages or lost data.
• Third-party equipment or services: issues originating from your equipment (e.g., computer, internet connection) or third-party services we don’t control (telecommunications failures, payment processor errors, etc.) are not our liability.

Cap on Liability: To the fullest extent permitted by law, the maximum total liability of the Company and its affiliates (and our respective directors, shareholders, affiliates, officers, employees, contractors, agents, partners, and licensors) to you for all claims arising out of or related to these Terms or the Service, under any theory of liability, shall not exceed the greater of: (A) the total amount of fees you paid to us for the Service in the six (6) months immediately prior to the event giving rise to the claim, or (B) USD $100. If you have not paid any fees to us (for example, if you only used free features), our total liability to you shall not exceed $100.

This limitation is cumulative and not per-incident; multiple claims will not increase the cap.

Exceptions: Some jurisdictions do not allow the exclusion or limitation of certain damages. If laws applicable to you disallow any part of the above limitation of liability, then that part will not apply to you to the extent prohibited. In such cases, we will be liable only to the minimum extent required by law. Also, nothing in these Terms is meant to limit liability for death or personal bodily injury caused by our negligence, or for fraud or intentional misconduct, or any other liability that by law cannot be limited or excluded.

However, in any case, our liability will be limited to the greatest extent permitted by law. The limitations and exclusions in this Section 14 are fundamental elements of the basis of the bargain between you and us. The Service would not be provided to you without such limitations.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its parent, affiliates, and subsidiaries, and each of their respective directors, shareholders, officers, employees, contractors, agents, partners, and licensors (the “Indemnified Parties”) from and against any and all third-party claims, liabilities, damages, losses, judgments, awards, costs, and expenses (including reasonable attorneys’ fees) that arise out of or relate to (i) your use or misuse of the Service, (ii) your violation of these Terms or of any law or regulation, or (iii) your User Content or any content you provide through the Service, or (iv) your interaction with or reliance on any third-party.

This means you will defend the Indemnified Parties (at our request) and pay any settlement amounts or damages, fees, and costs finally awarded by a court or agreed to in a settlement for those claims. Examples of situations where you need to indemnify us include:

• If you, as a user, post material that infringes someone’s copyright and they sue us, you will cover our costs and liability.
• If you use the Service in violation of law (say you use it to launder money, or to harass someone) and we get subpoenaed or sued, you indemnify us.
• If you breach a provision of these Terms (like misuse the platform and it causes us damage or legal expenses), you hold us harmless.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you (in which case you will cooperate with us in asserting any available defenses). You agree not to settle any such matter without the prior written consent of the Company, if the settlement would impose any obligation on or admit any wrongdoing by an Indemnified Party or does not fully release the Indemnified Parties from all liability.

Your indemnification obligations shall survive any termination of your account or these Terms, meaning this duty continues even if you stop using Finestro.

16. Governing Law and Dispute Resolution

16.1 Governing Law: These Terms and any dispute or claim arising out of or in connection with them or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, USA, without regard to its conflict of law principles. However, if you are a consumer in a jurisdiction with laws that mandate the application of that jurisdiction’s laws to consumer contracts (such as certain consumer protection laws), then those laws may override Delaware law to the extent required. In any case, the United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

16.2 Initial Dispute Resolution: We are committed to trying to resolve any disputes quickly and fairly. Before filing any formal claim against us, you agree to first try to resolve the dispute informally by contacting us at [email protected] and providing a brief written description of your dispute and your contact information. Both you and the Company agree to engage in good faith discussions to try to resolve the issue for at least 40 days after the dispute notice is received. If we cannot resolve the dispute within that time, either party may then proceed to the next step.

16.3 Arbitration Agreement: By using the Service, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Service (collectively, “Disputes”) shall be resolved through final and binding arbitration on an individual basis, rather than in court, except for the exceptions described below. You are thus waiving your right to a trial by jury or to participate in a class action for such Disputes. This arbitration agreement is governed by the Federal Arbitration Act (FAA) and evidence of a transaction in interstate commerce.

Exceptions: This arbitration clause does not require arbitration of the following types of claims: (a) Small claims matters that qualify to be brought in a small claims court of competent jurisdiction (as long as the matter remains in that court and on an individual (non-class) basis); (b) Claims for injunctive or equitable relief regarding intellectual property (for example, claims of misuse or infringement of our intellectual property, or your content rights) - either party may seek such relief in court; and (c) any other claim that by law cannot be required to be arbitrated.

16.4 Arbitration Procedures: The arbitration will be administered by National Arbitration and Mediation (NAM) (or if NAM is unavailable, another established arbitration provider agreed by the parties or appointed by a court) under NAM’s Comprehensive Dispute Resolution Rules and Procedures (and applicable supplemental rules, including any for consumer or mass arbitration). You can find NAM’s rules at their website (www.namadr.com). To start an arbitration, you must submit a Demand for Arbitration as described in the NAM Rules. The arbitration will be conducted by a single neutral arbitrator. Location and Hearing: Unless you and we agree otherwise, or the NAM rules require otherwise, the arbitration hearing will take place in the State of Delaware, USA. If your claim is for $10,000 or less, we may choose whether the arbitration will be conducted solely on the basis of documents, through a telephonic or video hearing, or by an in-person hearing. For larger claims, the default will be an in-person hearing unless the parties agree to a different method.

The arbitrator will have the authority to decide all threshold questions, including issues relating to the enforceability and scope of this arbitration agreement (except that only a court can decide any question about the validity of the class action waiver). The arbitrator can award any individual remedies that a court could (including monetary, injunctive, and declaratory relief on an individual basis), but only to the extent necessary to provide relief warranted by that party’s individual claim. The arbitrator’s decision will include the essential findings and conclusions upon which the award is based. The arbitrator’s award is binding and may be entered as a judgment in any court of competent jurisdiction.

16.5 Arbitration Costs: Payment of all filing, administration, and arbitrator fees will be governed by the NAM Rules. Each party is responsible for their own attorneys’ fees, except that the arbitrator may award attorneys’ fees to the prevailing party to the extent allowed by law or if the arbitrator finds a claim or defense was frivolous or asserted in bad faith.

16.6 Class Action Waiver: To the fullest extent permitted by law, you and the Company agree that all Disputes will be resolved only on an individual basis and not in a class, consolidated, collective, or representative action. You and the Company waive any right to have any Dispute adjudicated or arbitrated as a class or other representative action, or to participate as a class member in any such proceeding. If this class action waiver is found to be unenforceable with respect to a particular claim or request for relief (such as a request for public injunctive relief), then that claim/request shall proceed in court (only that claim), and the rest of the claims will still be arbitrated.

16.7 Jury Waiver: To the extent any Dispute is determined to be excluded from arbitration, you and the Company knowingly and willingly waive the right to a jury trial to the maximum extent permitted by law.

16.8 30-Day Opt-Out Right: If you do not wish to be bound by the arbitration and class-waiver provisions in this Section 16, you must notify us by email at [email protected] within 30 days of first accepting these Terms (or within 30 days of any material change to this Section). Your email must include your name, account email, and a clear statement that you want to opt out of the arbitration agreement. Opting out will not affect any other sections of these Terms, but it means you and we will retain the right to litigate Disputes in court (subject to Section 16.9 below). If you opt out of arbitration, the class action waiver above will still apply to the fullest extent allowed in court.

16.9 Jurisdiction and Venue: Subject to the above arbitration provision, if a court is needed to resolve any Dispute (for example, if you opt out of arbitration or a claim is exempt from arbitration), then you and the Company agree to the exclusive jurisdiction of the state and federal courts located in Delaware, USA for the resolution of any lawsuit (however, for a claim solely for monetary damages within the jurisdictional limit, either party may seek relief in small claims court in Delaware). You and the Company waive any objection to venue in Delaware and any claim that such litigation has been brought in an inconvenient forum.

This Dispute Resolution section shall survive any termination of these Terms or your account.

17. Force Majeure

The Company shall not be liable for any delay or failure in performance of the Service caused by circumstances beyond our reasonable control (“Force Majeure”). Force Majeure events include, but are not limited to: natural disasters (e.g., earthquakes, hurricanes, floods), acts of God, fire, epidemic or pandemic, war, terrorism, civil unrest, strikes or labor disputes, power or internet outages, failures of third-party service providers or telecommunications networks, governmental actions (e.g., lockdowns, sanctions, new regulations), or any other events not within our reasonable control.

During a Force Majeure event, our obligations under these Terms will be deemed suspended to the extent that our ability to perform is affected. We will make reasonable efforts to mitigate the effects and resume full performance as soon as feasible. However, we will not be liable for any failure or delay in providing the Service due to such events.

If a Force Majeure event continues for an extended period (for example, more than 30 days) and fundamentally frustrates the purpose of the Service or these Terms, either you or we may terminate the affected services upon written notice to the other. If the Service is terminated due to a Force Majeure event, we will refund any prepaid fees for the period during which the Service could not be provided (on a pro-rata basis) that remain unused as of the termination date, provided that if our ability to process refunds is also impacted by the Force Majeure event, there may be a delay in issuing refunds until we are able to do so. This section does not excuse your obligation to pay for services already provided or for charges incurred prior to the Force Majeure event.

18. Changes to Service

We reserve the right to modify, update, or discontinue the Service (in whole or in part) at any time, with or without notice. Finestro is an evolving platform, and we may add or remove features, revise the functionality, or adjust how the Service operates. For example, we may introduce new tools, change the interface, upgrade our algorithms, or sunset parts of the Service that are outdated or underutilized. We may also impose limits on certain features or restrict access to parts or all of the Service.

If any such modification or discontinuation is material and affects a service or feature you have paid for, we will endeavor to provide advance notice and an explanation (e.g., via email or a notice within the website(s)). In cases where a feature you have paid for is removed or significantly degraded and no comparable alternative is provided, we may offer a remedy such as a partial refund or alternative service, at our discretion. However, we have no obligation to maintain any particular feature or aspect of the Service as we continually improve and adapt our offerings.

You agree that the Company shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service or any part of it. Your only remedy if you are dissatisfied with any changes is to stop using the Service or, if you have a subscription, to cancel it. We encourage you to stay informed about our latest features and updates through our website or release notes.

19. Changes to Terms

We may revise these Terms from time to time. If we make a material change, we will notify you by updating the “Last Updated” date at the top of the Terms and, when required by law or deemed appropriate, by providing additional notice (such as via email or a prominent announcement within the Service). Any changes will be effective when they are posted unless a later effective date is specified. In some cases, for significant changes, we might specify that the changes will become effective at a future date and that your continued use after that date constitutes acceptance.

It is your responsibility to review these Terms periodically. We will note the effective date of the latest version at the top for your reference. If you do not agree with any amended Terms, you must stop using the Service and cancel any subscriptions before the changes take effect. If you continue to use Finestro after the new Terms come into effect, you will be deemed to have accepted the revised Terms.

20. Miscellaneous

Entire Agreement: These Terms (together with the Privacy Policy and any other policies or guidelines incorporated by reference) constitute the entire agreement between you and Findmy LLC regarding your use of Finestro. They supersede all prior or contemporaneous understandings or agreements, whether written or oral, regarding the subject matter. Any additional or different terms you seek to impose (for example, through a purchase order or in correspondence) are objected to and will not apply unless expressly agreed in writing by an authorized representative of the Company.

Severability: If any provision of these Terms is held by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions of these Terms will remain in full force and effect. The invalid provision shall be deemed modified to the least degree necessary to remedy the invalidity while retaining as much of the original intent as possible.

Waiver: Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of that right or provision. No waiver of any term shall be deemed a further or continuing waiver of that term or any other term. Any waiver must be in writing and signed by an authorized representative of the Company to be effective.

Assignment: You may not assign or transfer these Terms or any of your rights or obligations hereunder, whether by operation of law or otherwise, without our prior written consent. We may assign or transfer these Terms (in whole or in part), or any of our rights and obligations, at any time without notice or consent. For example, this could occur in connection with a merger, acquisition, sale of assets, or by operation of law. These Terms will bind and inure to the benefit of the parties and their respective permitted successors and assigns.

No Third-Party Beneficiaries: These Terms are for the benefit of you and us, and not for any other person. No third party shall have any rights to enforce any provision of these Terms, except as expressly provided (for example, Indemnified Parties as defined in Section 15 may invoke the indemnification clause).

Relationship of Parties: You and the Company are independent contracting parties. These Terms do not create any agency, partnership, joint venture, or franchise relationship. You have no authority to bind or obligate the Company in any manner.

Headings: Section titles and headings in these Terms are for convenience only and have no legal or contractual effect.

Interpretation: In these Terms, the words “include” or “including” mean “including but not limited to.” Any examples given are illustrative and not exhaustive.

Language: These Terms are written in English. If we provide a translation, it is for convenience, and the English text will govern in case of any conflict or ambiguity.

Export Controls: You agree to abide by U.S. and other export control and sanctions laws. You shall not export or re-export any software or technical data from the Service except in compliance with such laws, nor may you permit any third party to access the Service in violation of any U.S. embargo, prohibition or restriction.

Contact and Notices: You agree that we may send you notices by email to the address associated with your account, by postal mail to any address you have provided, or by posting on our website(s) or via the Service. You are responsible for keeping your contact information up to date. Official notices to us (e.g., legal summons or claims) should be sent to our registered agent or mailing address as provided in Section 21.

Survival: Provisions of these Terms that by their nature should survive termination (including disclaimers, limitation of liability, dispute resolution, and others explicitly stated as surviving) shall survive the termination or expiration of these Terms.

21. Contact Information

Contact Us: If you have any questions, concerns, or comments about these Terms or the Service, or need to contact us for any reason (including to provide any notices under these Terms), you may reach us as follows:

Findmy LLC

150 East Palmetto Park Road, Suite 800, Boca Raton, FL 33432, USA

Email: [email protected]

We will do our best to respond to inquiries within a reasonable time. Please include your name, contact information, and the details of your request or question when contacting us.

Thank you for reading these Terms.

By using Finestro, you signify your agreement to all of the above. If you do not agree, please do not use the Service. We appreciate your trust in Finestro and look forward to helping you connect with resources to empower your financial journey.