1. Introduction and Acceptance

Welcome! These Terms of Use ("Terms") govern your access to and use of the website located at finestro.io ("Website") and the services offered therein, operated by Delaware corporation with offices at 150 East Palmetto Park Road, Suite 800, Boca Raton, FL 33432, USA ("Company," "we," "us," or "our").

By accessing, Browse, or using our Website and its associated services, features, educational materials, tools including the Invest Hub and the AI Assistant "Alex" (collectively, the "Service"), you acknowledge that you have read, understood, and agree to be legally bound by these Terms, along with our Privacy Policy and Subscription Terms, which are hereby incorporated by reference.

If you do not agree to these Terms or any associated policies, or if you do not meet the eligibility requirements outlined below, you must not access or use the Service.

2. Eligibility to Use the Service

To use our Service, you must be at least 18 years of age. You must possess the legal authority and capacity to enter into a binding agreement.

If you are under the age of 18, you may only use the Service with the express permission and under the supervision of a parent or legal guardian who agrees to be bound by these Terms. Use of the Service is prohibited if you do not meet these requirements or disagree with any part of these Terms.

3. Description of Services

Our Service provides users with access to educational resources and tools related to finance and investment, which may include video lessons, articles, guides, learning modules, quizzes, the Invest Hub, and the AI Assistant "Alex". All content, tools, and features provided through the Service are referred to collectively as "Service Content."

Access to the Service Content requires registration and the purchase of either an introductory trial or a subscription plan, as selected by you during the sign-up process.

• Introductory Trial Offer: We may offer a 1-week introductory trial period. The specific terms and price (if any) for this trial will be presented to you during the sign-up process. This trial provides limited access to the Service to allow you to evaluate it before committing to a full subscription. Please review the conversion terms presented at sign-up carefully, as the trial may automatically convert into a paid subscription plan unless cancelled according to the terms specified in Section 7.
• Subscription Plans: We typically offer subscription plans with durations such as 4 weeks and 12 weeks. The pricing for these plans will be the price offered and accepted by you during the sign-up or purchase process. These plans grant ongoing access to the Service for the specified period.

Please review the specific terms of any offer you select at the time of purchase.

We may offer additional features or content for purchase during your use of the Service .

4. Investment Simulator "Invest Hub"

The Service includes access to the investment simulator "Invest Hub". This tool is designed purely for educational and practice purposes.

Important! Any trading activities within the simulator utilize virtual funds only; no real currency is involved. Any displayed "values" or "currencies" are for simulation and gamification purposes only.

The simulator aims to help users understand market dynamics and online brokerage interfaces in a risk-free environment.

Our Service, including the simulator, does not constitute an investment platform, nor does it offer financial advice or brokerage services. All real-world investment decisions are solely your responsibility and should be made based on your own research and judgment, potentially with advice from a qualified professional. We are not liable for any financial losses or data issues arising from your use of the Service or reliance on its content.

5. AI Assistant "Alex"

You may have access to our AI Assistant "Alex", an AI-powered chat feature ("AI Assistant").

The AI Assistant is intended for educational support and generating information based on your queries ("Input"). It does not provide personalized financial or investment advice.

You retain ownership of your Input. We grant you ownership rights, as permitted by law, to the responses generated by the AI Assistant based on your Input ("Output"). Collectively, Input and Output may be referred to as "User Interaction Content."

We may utilize User Interaction Content to enhance the AI Assistant and our overall Service. You may have the option to opt-out of this usage by contacting our support team.

Please be aware that AI-generated Output may not be unique. Due to the nature of machine learning, similar Inputs from different users may result in identical or very similar Outputs. Outputs generated for other users are not considered your User Interaction Content.

6. Subscriptions, Billing, and Payment

Payment Methods

We accept payments via debit and credit cards, PayPal and Apple Pay through our designated payment processors, Stripe and Braintree.

Authorization

By providing your payment information, you authorize us and our payment processor to store your payment method(s) and automatically charge the applicable fees for your chosen trial or subscription plan, including any recurring charges for auto-renewal periods. This includes the initial charge for the trial offer (if applicable) and subsequent charges for subscription renewals.

Billing Cycle

Fees for subscription plans will be charged at the beginning of your subscription period and, for recurring subscriptions, at the start of each renewal period (e.g., every 4 weeks or every 12 weeks, depending on your chosen plan). The renewal period will typically match your initial subscription term unless otherwise specified or changed according to these Terms.

Auto-Renewal

Unless cancelled according to the procedures in Section 7, your introductory trial may convert into a paid subscription, and your paid subscription plan will automatically renew at the end of each billing cycle. The renewal rate will be the standard rate applicable at the time of renewal for the plan you initially selected (excluding initial promotional or discount pricing), unless we notify you of a price change in advance.

Changes to Plans and Pricing

We reserve the right to modify, change, or discontinue our subscription plans, including trial offers, subscription periods, features included, pricing, and discounts, at any time in our sole discretion. We will provide reasonable notice of significant price changes affecting existing subscribers via the Website or direct communication (e.g., email) where required by law. If you disagree with a price change, your sole recourse is to cancel your subscription before the change takes effect.

Payment Dates

Your billing date may occasionally shift (e.g., due to payment processing issues or changes in your subscription). You can typically find your next billing date in your account settings area.

Please refer to Subscription and Refund Policy for more details.

7. Cancellation and Refunds

Cancellation

You must cancel your introductory trial or subscription in accordance with the cancellation procedures disclosed to you when purchased and in Subscription and Refund Policy.

Refunds

Please refer to Subscription and Refund Policy to find out whether you might be eligible for a refund. We reserve the right to issue refunds at our sole discretion or as required by applicable law. All refund eligibility is subject to our Subscription and Refund Policy and this policy.

8. Data Privacy and Security

Your privacy is important to us. We collect, use, store, and protect your personal information as described in our Privacy Policy. By using the Service, you consent to our data practices as outlined therein.

9. Intellectual Property Rights

Our Content

All materials available through the Service, including text, graphics, logos, software, tools (like the simulator and AI assistant), data compilations, and overall design ("Service Materials"), are the property of the Company or its licensors and are protected by copyright and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service and Service Materials solely for your personal, non-commercial educational purposes, subject to these Terms. No other rights are granted.

User Content

You retain ownership of the content you submit to the Service ("User Content"), including your Input to the AI Assistant. However, by submitting User Content, you grant us a license to use, store, reproduce, and modify it as necessary to operate and improve the Service, consistent with these Terms and our Privacy Policy.

Infringement

You agree not to infringe upon our intellectual property rights. If you believe your intellectual property rights have been infringed by content on our Service, please contact us via [email protected] with detailed information. We reserve the right to remove allegedly infringing content and terminate accounts of repeat infringers.

10. Third-Party Links and Content

The Service may contain links to external websites, advertisements, or resources provided by third parties, potentially including links to supplementary materials. These links are provided for convenience only. We do not endorse, control, or assume responsibility for the content, products, services, or privacy practices of any third-party sites or resources. Your interaction with any third-party content is at your own risk, and their terms and policies will apply. You release the Company from any liability arising from your use of third-party websites or resources.

11. Governing Law and International Use

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware without regard to its conflict of law principles.

The Service is controlled and operated from the State of Delaware. We make no representation that the Service or its Content is appropriate or available for use in other locations. If you access the Service from outside the State of Delaware, you do so at your own initiative and are solely responsible for compliance with all applicable local laws and regulations.

13. Copyright Protection

The Service and all Service Materials are copyrighted by the Company. Any unauthorized reproduction, redistribution, or modification of any part of the Service or Service Materials is strictly prohibited without our express prior written permission.

13. User Conduct and Responsibilities

By using the Service, you represent, warrant, and agree that:

• You meet the eligibility requirements outlined in Section 2.
• You will comply fully with these Terms and all applicable laws and regulations.
• You will provide accurate and current information during registration and maintain its accuracy.
• You will not use the Service for any illegal, unauthorized, or fraudulent purpose.
• You will not access the Service using automated means (bots, spiders, scrapers) without permission.
• You are not located in a country subject to U.S. government embargo or designated as "terrorist supporting."
• You are not listed on any U.S. government list of prohibited or restricted parties.

Furthermore, you agree not to:

• Copy, modify, distribute, sell, lease, or create derivative works from the Service or Service Materials.
• Reverse engineer, decompile, or attempt to extract the source code of the Service.
• Interfere with the security features of the Service or attempt to bypass access restrictions.
• Use the Service to build a competitive product or service.
• Transmit viruses, malware, or any other harmful code.
• Engage in data mining or systematic data collection without permission.
• Use the Service in any way that could damage, disable, overburden, or impair it.
• Disparage or harm the reputation of the Company or the Service.
• Use the Service for commercial purposes not expressly authorized by us.

We reserve the right to suspend or terminate your access if you violate these Terms or provide inaccurate information.

14. Disclaimers

Educational Purpose Only

The Service and all Service Content are provided for informational and educational purposes only. They do not constitute financial, investment, legal, tax, or any other form of professional advice.

No Financial Advice

The Company is not a financial advisor, broker, or dealer. We do not recommend or endorse the purchase or sale of any specific security or investment. Any investment decisions you make are solely your own responsibility and based on your own assessment.

No Guarantees

We make no guarantees regarding the accuracy, completeness, timeliness, or reliability of the Service Content. We also make no guarantees regarding the outcomes or success you may achieve from using the Service. Results vary based on individual effort, background, financial situation, and other factors.

Investment Risk

All investments carry risk, including the potential loss of capital. Past performance is not indicative of future results. You acknowledge and accept the risks associated with financial markets if you choose to invest independently.

"As Is" Basisypography

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, or non-infringement.

Reliance at Own Risk

Your use of the Service and reliance on any Service Content is entirely at your own risk. Consult with qualified professionals for specific advice tailored to your situation.

15. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO, USE OF, OR INABILITY TO USE THE SERVICE OR SERVICE CONTENT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

ACCESS TO AND USE OF THE SERVICE IS AT YOUR OWN DISCRETION AND RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR DEVICE OR COMPUTER SYSTEM, OR LOSS OF DATA THAT RESULTS FROM SUCH ACCESS OR USE.

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) IS LIMITED TO THE GREATER OF (A) THE TOTAL AMOUNT OF FEES PAID BY YOU TO THE COMPANY FOR THE SERVICE DURING THE SIX (6) MONTH PERIOD PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

THE LIMITATIONS OF DAMAGES SET FORTH ABOVE ARE FUNDAMENTAL ELEMENTS OF THE BASIS OF THE BARGAIN BETWEEN THE COMPANY AND YOU. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

16. Indemnification

You agree to defend, indemnify, and hold harmless the Company, its affiliates, officers, directors, employees, agents, successors, and assigns from and against any and all claims, demands, suits, actions, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (i) your use of the Service; (ii) your violation of these Terms; (iii) your violation of any applicable laws or regulations; (iv) your User Content or User Interaction Content; or (v) your infringement of any third-party rights.

17. Dispute Resolution, Arbitration, and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY – IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

17.1. Informal Resolution

We aim to resolve disputes amicably. Before initiating formal action, you agree to first contact our support team at [email protected] and attempt to resolve the dispute informally. Both parties agree to negotiate in good faith for at least forty (40) days following the initiation of this informal process. Participation in this process is a mandatory prerequisite to arbitration.

17.2. Mandatory Pre-Arbitration Notice

If informal resolution fails within the 40-day period, the party intending to pursue the claim (the "Claimant") must send a written Notice of Dispute ("Notice") to the other party via certified mail.

Your Notice to us must be sent to: 150 East Palmetto Park Road, Suite 800, Boca Raton, FL 33432, USA, with a copy email to [email protected]

The Notice must include: (a) your full name and contact information, (b) your account identifier (e.g., username, email associated with the account), (c) a detailed description of the nature and basis of the claim, (d) a specific description of the relief sought and a calculation of damages, if any, and (e) your signature verifying the accuracy of the information. The Notice must pertain only to your individual claim.

17.3. Binding Arbitration

If the dispute is not resolved within 40 days after the Notice is received, either party may initiate binding individual arbitration as the exclusive means of resolving the dispute (except as specified below). YOU AND THE COMPANY AGREE TO WAIVE THE RIGHT TO LITIGATE DISPUTES IN COURT BEFORE A JUDGE OR JURY (except for matters that may be taken to small claims court, if applicable, or for seeking equitable relief for intellectual property infringement).

17.4. Arbitration Procedure

Arbitration will be administered by the National Arbitration and Mediation ("NAM") under its Comprehensive Dispute Resolution Rules and Procedures (and/or Supplemental Rules for Mass Arbitration Filings, if applicable) ("NAM Rules"), as modified by this Agreement. Information about NAM and its rules can be found at www.namadr.com. If NAM is unavailable, the parties will select an alternative provider or a court will appoint one.

To commence arbitration, a party must file a Demand for Arbitration with NAM that complies with the NAM Rules and the requirements set forth in these Terms (including certification of completion of the informal dispute resolution process). A copy of the Demand must be sent to the other party as described in section 17.2.

The arbitration will be conducted by a single, neutral arbitrator in English. Unless otherwise agreed, the arbitration hearing will take place in the State of Delaware, USA.

The arbitrator has exclusive authority to resolve disputes relating to the interpretation, applicability, enforceability, or formation of this Arbitration Agreement, including any claim that all or any part of this agreement is void or voidable (except disputes regarding the Class Action Waiver below).

The arbitrator can award the same damages and relief on an individual basis that a court could award to an individual. The arbitrator's decision will be final and binding, subject to limited review by courts under applicable law.

Arbitration proceedings shall be confidential.

17.5. Fees

Payment of arbitration fees will be governed by the NAM Rules. Each party will generally bear its own attorneys' fees, unless the arbitrator finds the claim or defense was frivolous or brought for an improper purpose, or unless otherwise required by law or the NAM Rules.

17.6. Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND THE COMPANY AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS (WHETHER IN ARBITRATION OR COURT) WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, COLLECTIVE, OR REPRESENTATIVE ACTION. The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court determines that this Class Action Waiver is unenforceable as to a particular claim or request for relief, then that claim or request (and only that claim or request) shall be severed from the arbitration and may be brought in court, stayed pending the outcome of the individual arbitration.

17.7. Jury Trial Waiver

YOU AND THE COMPANY KNOWINGLY AND VOLUNTARILY WAIVE ANY CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, instead electing that all claims and disputes shall be resolved by arbitration under this Arbitration Agreement (except as specified herein).

17.8. Survival

This Dispute Resolution section will survive the termination of your relationship with the Company and your use of the Service.

18. Service Modifications and Availability

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof), temporarily or permanently, with or without notice, at our sole discretion. We may also impose limits on certain features or restrict access to parts or all of the Service without notice or liability. You agree that we shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service, to the extent permitted by law. We are not responsible for delays or failures in performance resulting from causes beyond our reasonable control.

19. Amendments to Terms

We may revise these Terms from time to time to reflect changes in the law, our Service features, or our business practices. If we make material changes, we will provide notice through the Service or by other means (e.g., email) where required. Your continued use of the Service after such changes become effective constitutes your acceptance of the revised Terms. If you are notified of changes, you typically have a specified period (e.g., 14 days) to object or cease using the Service; failure to do so within that period signifies acceptance. Please review the Terms periodically.

20. Miscellaneous

Entire Agreement

These Terms, along with the Privacy Policy and Subscription Terms, constitute the entire agreement between you and the Company regarding your use of the Service, superseding any prior agreements.

Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable and shall not affect the validity and enforceability of the remaining provisions.

Waiver

Our failure to exercise or enforce any right or provision of these Terms shall not operate as a waiver of such right or provision.

Assignment

You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

Headings

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

21. Contact Information

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

Delaware corporation with offices at 150 East Palmetto Park Road, Suite 800, Boca Raton, FL 33432, USA

Email: [email protected]