Terms of Service

Last Updated: January 13, 2026

1. Introduction and Acceptance

Welcome to Finestro: Learn AI, a mobile application (the “App”) owned and operated by Applyft Ltd. (the “Company,” “we,” “us,” or “our”). Applyft Ltd is a limited company registered in Cyprus (Registration No. HE 461540) with its offices at Flat/Office A, Parnithos 9, 4040 Germasogeia, Limassol, Cyprus. These Terms of Service (the “Terms” or “Agreement”) govern your access to and use of the App and the services, features, and content provided through it (collectively, the “Service”). By downloading, installing, or using the App, you acknowledge that you have read, understood, and agree to be legally bound by these Terms. If you do not agree with these Terms, you must not use the App.

These Terms apply exclusively to the Finestro: Learn AI mobile application and not to any website, web platform, or other services of Finestro. (The Finestro website and any web-based services are governed by separate terms.) The App is made available to you for use only under these Terms. In addition, your use of the App is subject to our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy to understand how we collect and use your information. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms, in which case “you” and “your” will refer to that organization as well as yourself.

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 provide notice by reasonable means, which may include an email. It is your responsibility to review these Terms periodically. Your continued use of the App after any changes to these Terms constitutes your acceptance of the revised Terms. If you do not agree to any updated Terms, you must stop using the App.

2. Definitions

For purposes of these Terms, the following capitalized terms have the meanings defined below. Other terms may be defined in the text of the Terms and, when so defined, shall have that meaning throughout:

• “App” (or “Application”) means the Finestro: Learn AI mobile software application (including any updates, upgrades, patches, or improvements) distributed via the Apple App Store or Google Play Store, through which the Service is provided to you on your mobile device.
• “Service” means the services, functionality, and content made available through the App, including any software, tools, text, graphics, videos, courses, AI features, and other materials accessible in the App.
• “Company” (also referred to as “we,” “us,” or “our”) means Applyft Ltd., the owner and operator of the App.
• “User” (or “you”) means any person who downloads, installs, or uses the App.
• “Account” means a registered user account with Finestro that is required for access to the App’s content and features.
• “Subscription” means an active, paid subscription for Finestro’s services, which grants access to the Service through the App.
• “Content” means any and all text, files, images, graphics, videos, audio, courses, modules, software (including the App itself and any AI-powered tools), information, or other materials available through the App.
• “Third-Party Services” refers to services or software provided by third parties that are integrated into or used by the App (for example, analytics or infrastructure services like Firebase and Amplitude, as defined in Section 10).

Any other capitalized terms not defined in this section have the meanings given to them elsewhere in these Terms.

3. Eligibility

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to use this App. The App is intended solely for users who are adults. By accessing or using the App, you represent and warrant that you are 18 years of age or older and fully capable of entering into a binding legal agreement. We do not knowingly permit persons under 18 to use the App. If you are under 18, you must refrain from using or accessing the App. We reserve the right to request proof of age at any stage and to suspend or terminate your Account if we have reason to believe you are under 18 years old.

4. Scope of Application & Subscription terms

These Terms govern only your use of the Finestro: Learn AI mobile application and its related Service. The App is provided as a companion interface for Finestro’s services on mobile devices. It does not include or cover any use of Finestro’s website or other platforms, which may have their own terms of service.

4.1 Freemium Access. Finestro is offered on a freemium model. This means you can use the Service for free with limited educational content and features. Access to the full library of learning modules, lessons, and premium features requires an optional paid subscription. You are not obligated to subscribe, if you choose not to purchase a subscription when prompted, you may simply dismiss the payment screen and continue using Finestro as a free user with limited functionality. We do not currently offer a separate time-limited free trial period for Premium, since you can evaluate the Service via the free tier.

4.2 Subscription Plans and Pricing: We offer recurring subscription plans for ongoing Premium access. Currently, you can choose between a monthly plan (1 month) and an annual plan (12 months). Pricing may differ and will be displayed in the equivalent local currency based on your location. All prices are subject to applicable taxes and may be adjusted for regional differences. The exact price and currency for your subscription will be shown at the point of purchase in the app. Please note: Subscription prices and offerings are subject to change in the future, but if you are an existing subscriber, we will notify you of any material changes or price increases in accordance with applicable law before they take effect. Unless otherwise indicated, all fees are charged in U.S. Dollars or the local currency equivalent as determined by the app platform at the time of purchase.

4.3 In-App Purchases & Payment Processing: All subscription purchases are handled through the official app marketplaces (Apple App Store for iOS devices and Google Play Store for Android devices). This means that when you subscribe, the payment transaction is processed by Apple or Google, not by Finestro. We do not collect or store your credit card or payment details ourselves. All billing and transaction processing is managed by the platform provider from which you downloaded the app, and your purchase is subject to that provider’s terms and conditions. For example, if you subscribed via the Apple App Store or Google Play, the Apple Media Services Terms or Google Play Terms (including their refund policies) will apply to your payment. Any issues with billing or payment for in-app subscriptions should be directed to the respective app store’s customer support, as we have limited ability to resolve platform-specific payment problems.

4.4 Billing Cycle and Auto-Renewal: When you purchase a Finestro Premium subscription, you will be charged upfront for the initial subscription period (e.g. one month or one year, depending on the plan). Subscriptions automatically renew at the end of each subscription term unless you cancel before the renewal date. Your account will be charged for renewal within 24 hours prior to the end of the current period, at the same rate and for the same duration as your original plan (unless we have notified you of a price change). This means, for example, that if you buy a one-month subscription, it will renew each month; if you buy a 12-month subscription, it will renew for another 12 months at the end of the term. Auto-Renewal: UNLESS YOU CANCEL your subscription AT LEAST 24 HOURS BEFORE the end of your current billing period, the subscription will automatically continue for the next period and your payment method on file (your Apple App Store or Google Play account) will be charged the applicable fee for the renewal. We may, as a courtesy or where required by law, send a reminder for upcoming renewals (especially for annual plans), but it remains your responsibility to track your billing and cancel in time if you do not wish to renew. Please note that uninstalling the Finestro app or deleting your account will not automatically cancel your subscription - the subscription will continue to renew until you actively cancel it (see Section 4.5) .

4.5 Cancellation by You (Stopping a Subscription): You have the right to cancel your subscription at any time if you do not want it to renew. Cancellation will prevent future renewal charges while allowing you to continue using the Premium features for the remainder of the period you’ve already paid for. To cancel a Finestro Premium subscription, you must follow the cancellation procedures of the platform through which you purchased. For subscriptions made through the Apple App Store or Google Play, this means you need to cancel through your Apple ID settings or Google Play account settings, respectively - we cannot cancel in-app subscriptions on your behalf. Ensure that you submit the cancellation at least 24 hours before the end of your current billing cycle to avoid being charged for the next period. (For example, if your monthly subscription is set to renew on the 15th, cancel by the 14th or earlier to be safe.) After cancelling, you should receive confirmation from Apple or Google that the subscription will not renew.

Effect of Cancellation: Once you cancel, your subscription will remain active until the end of the current paid term. You will not lose access to Premium features immediately; you can continue to use all paid content until your already-paid period expires. However, your subscription will not auto-renew thereafter, and you will not be charged further. Please note that per our policy, you will not receive a pro-rated refund for any unused portion of the subscription term after cancellation, except where required by law (or by the app store’s policies. In other words, the cancellation will take effect at the next renewal date, and the current term will run its course with no partial refund for the remaining time. This no-refund rule applies even if you decide to stop using the Premium features before the term ends, for example, if you cancel a 12-month plan after 6 months, you will retain access for the remaining 6 months, but you won’t be refunded those remaining months unless a refund is legally mandated. If you cancel a subscription that was billed through Apple or Google, make sure to do so through the respective store’s subscription management settings; simply deleting the app or closing your account will not cancel the subscription, and you may still be billed by Apple or Google if you fail to properly cancel in the app store settings .

4.6 Refunds and Chargebacks: All payments are final. Except as expressly provided in these Terms or as required by applicable law, Finestro does not offer refunds or credits for any subscription fees or other purchases. By default, no refunds or pro-rated credits will be given for unused time, partial use of the service, or forgetfulness to cancel. For example, if your plan renewed and you meant to cancel beforehand, or if you paid for a month but only used the Service briefly, you will generally not be eligible for a refund under our standard policy. We encourage you to manage your subscription proactively and cancel in time if you do not wish to continue. We may make exceptions or offer refunds in certain extraordinary circumstances (such as verified billing errors or lack of service delivery on our end), or if required by law, but these are at our discretion.

Chargebacks: Initiating a chargeback or payment dispute with your bank or credit card for a Finestro subscription charge without first contacting our customer support is considered a violation of these Terms. If you have a concern about a charge, we strongly advise you to contact us to resolve the issue before contacting your bank. Unwarranted or fraudulent chargebacks will be contested. In the event of an unjustified chargeback (for example, disputing a valid charge that you indeed authorized and used), we reserve the right to suspend or terminate your Finestro account. Abuse of chargeback mechanisms, such as obtaining a refund through the bank while continuing to use the Premium Service, may result in immediate account termination and further legal action if necessary. If a chargeback is granted by the bank, Apple or Google will typically revoke the subscription, and your Premium access will be ended as of the chargeback date. To avoid these issues, please work with us in good faith to address any billing problems. Legitimate billing errors or unauthorized charges will of course be corrected or refunded in line with our policies and the app store’s policies.

4.7 EU/EEA/UK 14-Day Withdrawal Right: If you are a consumer residing in the European Union, European Economic Area, or United Kingdom, you generally have a legal right to withdraw from an online purchase of services (including digital services) within __1__4 days of purchase, without giving any reason. This is known as the “cooling-off” or withdrawal period under EU/UK consumer laws. However, please be aware that this right can be waived for digital content that is provided immediately. By purchasing a Finestro Premium subscription, you are expressly requesting that we give you instant access to all digital content and features included in your subscription. Accordingly, you consent to the immediate performance of the contract (i.e. we will make premium content available to you right away), and you acknowledge that you will lose the 14-day withdrawal right once the digital service has been fully delivered to you or significantly used by you. In practical terms, because Finestro Premium is a digital subscription that begins immediately, you waive the statutory right of withdrawal as soon as we fulfill our obligation by granting you access to the premium content. If you do not wish to waive your 14-day cooling-off right, you should refrain from subscribing to Finestro Premium until the 14-day period has passed, or wait to use the premium content until the period expires. We believe this disclosure is required by EU/UK law: by agreeing to these Terms and starting a subscription, you confirm that you understand you will lose your withdrawal right once the service is provided immediately and in full. If you cancel within the first 14 days and the service has not been fully utilized, you may contact for a possible refund pursuant to your statutory rights, but if you have already enjoyed the Premium content without restriction in that time, the law’s exception for digital content will apply (meaning no refund is due). This Section 4.7 only applies to users in EU/EEA/UK; for most other jurisdictions (e.g. U.S. or Canada), no automatic cooling-off period applies to digital subscriptions, and our standard cancellation and refund policies will govern (subject to any rights provided under your local laws).

5. Description of the App and Its Functionality

Finestro: Learn AI is a mobile learning platform focused on helping users develop skills and knowledge in the field of artificial intelligence and the productive use of AI tools. Once you log in with your Account, the App provides you with access to educational content and interactive features. Certain features may require an active Subscription. Key features and functionality of the App may include, for example:

• Educational Content: A library of lessons, tutorials, articles, videos, and other learning materials covering topics such as using AI software, automating tasks with AI, improving productivity, and other related skills. Content may be organized into courses or modules, allowing you to progress through structured learning paths.
• Interactive Tools: The App may include interactive exercises, quizzes, or simulations that let you practice what you learn. It may also offer an AI-powered chatbot feature that can answer questions, provide explanations, or offer personalized guidance on AI-related topics. (Any such AI assistant is for informational and educational purposes only and is not a source of professional advice - see Section 13 Disclaimers.)
• Progress Tracking: The App might track your learning progress, such as completed lessons or quiz scores, and provide feedback or recommendations based on your performance. This helps tailor the learning experience to your goals and starting skill level.
• Notifications and Updates: You may receive email notifications or reminders related to your learning journey (e.g. suggestions to continue a course, new content releases, or announcements).

All features and content provided through the App are collectively part of the “Service” under these Terms. We reserve the right to improve, modify, or discontinue any aspect of the App’s functionality or content at any time. We continually update the App to enhance the user experience, add new content, or fix issues. While we strive to ensure the App’s content is current and useful, we do not guarantee that any particular content (such as a specific course or feature) will always be available, and some content may change or be removed as we refine our offerings. The App requires a stable internet connection to function properly; certain features (like streaming video lessons or interacting with the AI assistant) will not work without internet access.

You understand that the App itself is a platform for educational content delivery and does not provide any guaranteed outcomes. The role of the App is to facilitate your learning; your results will depend on your own effort and how you apply the knowledge gained. (Please refer to Section 13 for important disclaimers regarding learning outcomes and reliance on information provided by the App.)

6. User Account and Access

Account Registration: To use the App, you must have a Finestro user account. You may create an Account through our website, directly within the App or other sign-up process. When creating your Account, you agree to provide truthful, accurate, current, and complete information about yourself as prompted by the registration and onboarding processes. You are responsible for keeping your registration information up-to-date (for example, if you change your email address, you should update it in your profile).

Account Security: You are solely responsible for maintaining the confidentiality and security of your Account login credentials. Do not share your username or password with anyone else. You agree to notify us immediately at [email protected] if you suspect or become aware of any unauthorized access to or use of your Account or any breach of security. We are not liable for any loss or damage arising from your failure to safeguard your Account credentials or for unauthorized access to your Account (to the extent not caused by us). You are responsible for all activities that occur under your Account, whether or not authorized by you, until you have notified us of any unauthorized use and we have had a reasonable opportunity to act.

Access Requirements: Access to certain paid content or features within the App may require an active Subscription. If at any time your Subscription lapses, is canceled, or is otherwise invalid, your access to paid content or features in the App will be suspended or limited until the Subscription is reactivated. If your Subscription is not active, access to certain paid features may be suspended or limited until it becomes active again.

Authorized Use Only: Your Account is personal to you. You may not sell, rent, license, share, or otherwise transfer your Account to any other person. You agree not to create multiple accounts for yourself or create an account for anyone other than yourself (except as expressly permitted by us). We reserve the right to suspend or terminate any Account that we reasonably suspect is being used in violation of these Terms or any applicable law (see Section 12 on Termination).

Device and Software Requirements: Using the App may require a compatible smartphone or mobile device, Internet access, and certain software (the latest version of iOS or Android, as applicable). You acknowledge that it is your responsibility to have a device and data plan sufficient to access the Service. We do not warrant that the App will be compatible with all devices or will operate with all network providers. Standard carrier data charges may apply to your use of the App - you are responsible for any fees associated with your internet or mobile usage when accessing the Service.

7. License Grant and Restrictions

License Grant: Subject to your compliance with these Terms, the Company hereby grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use a copy of the App on a mobile device that you own or control, solely for your personal, non-commercial use and for the purpose of accessing the Service in accordance with these Terms. This license is provided to you for the sole purpose of enabling you to use and enjoy the Service as permitted herein. No implied licenses are granted under these Terms, and the Company reserves all rights not expressly granted to you.

This license is conditioned upon your continued compliance with these Terms and is also subject to the usage rules set forth by the applicable app store (e.g., the Apple App Store or Google Play Store) from which you downloaded the App. You agree that you will only use the App in accordance with any applicable terms of service or usage rules of the app store platform that you used to obtain the App.

Restrictions on Use: You agree that you will NOT:

• Copy or Distribute: Copy, reproduce, distribute, publicly perform, or publicly display the App or any part of the Service, except as expressly permitted by us. You may not resell, rent, lease, lend, or sublicense the App or the Service to anyone else.
• Modify or Derive: Modify, adapt, translate, or create derivative works of the App or any Content available through the Service (except as may occur through normal use of the App and as enabled by its features). You may not remove or alter any copyright, trademark, or other proprietary notices in the App or Service content.
• Reverse Engineer: Decompile, reverse engineer, disassemble, or otherwise attempt to derive the source code or underlying ideas or algorithms of the App or any portion of the Service, except to the limited extent that applicable law permits such acts notwithstanding this prohibition.
• Circumvent Security: Circumvent, disable, or interfere with any security-related or technical features or measures of the App or Service, including any digital rights management or access control measures. You also agree not to attempt to gain unauthorized access to the Service or its related systems or networks (e.g., by hacking, password “mining,” or any other illegitimate means).
• Misuse the Service: Use the App or Service in any manner that violates Section 8 (Prohibited Conduct) of these Terms (for example, for any illegal purpose, to transmit harmful content, or to infringe upon others’ rights). You also agree not to use the App in a way that could damage, disable, overburden, or impair our servers or networks, or interfere with any other party’s use of the Service.
• Multiple Devices/Accounts Abuse: Use the App on a device or Account that you are not authorized to use, or install the App on multiple devices for the purpose of sharing your single-user access with others. (You may install the App on multiple devices you own or control for your personal use, but your use on each device remains subject to your single-user license and these Terms.)
• No Unauthorized Purchases: As the App does not support purchases, you agree not to attempt to use the App to conduct or process any purchases or payments. Any attempt to circumvent our payment processes (for example, by exploiting the App to obtain content you haven’t paid for, or to avoid fees) is strictly prohibited.

Any use of the App or Service outside the scope of the license granted in these Terms will be considered a breach of this Agreement and an infringement of our intellectual property rights. If you violate these license restrictions, or otherwise exceed the authorized access granted to you, we may immediately revoke your license to use the App and terminate your Account (see Section 12).

Third-Party App Store Terms: In addition to the foregoing, the following terms apply to you if you obtained the App through a third-party app distribution platform (such as the Apple App Store or Google Play Store):

• Apple App Store: If you downloaded the App from Apple’s App Store, you acknowledge and agree that: (i) these Terms are an agreement between you and the Company, and not with Apple Inc. (“Apple”); (ii) Apple is not responsible for the App and has no obligation to provide any maintenance or support services for the App; (iii) in the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund you any applicable purchase price paid for the App (if any) - beyond that, to the maximum extent permitted by law Apple will have no other warranty obligation whatsoever with respect to the App; (iv) Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession or use of the App, including, but not limited to, product liability claims, any claim that the App fails to conform to any legal or regulatory requirement, or claims arising under consumer protection or similar legislation; (v) Apple shall have no responsibility for the investigation, defense, settlement, or discharge of any claim that the App or your use of it infringes a third party’s intellectual property rights; and (vi) Apple and its subsidiaries are third-party beneficiaries of these Terms as it relates to your use of the App, and upon your acceptance of this Agreement, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• Google Play Store: If you downloaded the App from Google’s Play Store, you acknowledge and agree that: (i) these Terms are an agreement between you and the Company, and not with Google LLC (“Google”); (ii) Google is not responsible for the App and has no obligation to provide support or maintenance for the App; (iii) your use of the App must comply with the then-current Google Play Store Terms of Service and any other applicable Google terms; (iv) Google is only the provider of the Google Play Store from which you obtained the App, and has no responsibility or liability for the App or its content; (v) Google shall not be responsible for addressing any claims by you or any third party relating to the App or your possession and/or use of the App (including product liability, legal compliance, or consumer protection claims); and (vi) Google and its affiliates are third-party beneficiaries of these Terms as it relates to your use of the App, and upon your acceptance of this Agreement, Google will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

The license granted to you in these Terms is limited to a license to use the App on an Apple or Android device, as applicable, and is not intended to convey any rights of ownership or title. All rights, title, and interest in and to the App and Service (including all content, code, and intellectual property therein) remain with the Company and its licensors. We may revoke your license at any time if you violate these Terms, and upon any termination of this Agreement you must cease all use of the App and remove (delete) it from your devices.

8. Prohibited Conduct

You agree that, in connection with your use of the App and Service, you will not engage in any of the following prohibited activities or behaviors:

• Illegal or Unauthorized Use: Do not use the App or Service for any unlawful purpose or in violation of any applicable law or regulation. This includes (but is not limited to) refraining from using the App to commit fraud, engage in identity theft, launder money, disseminate malware, or violate export control or sanctions laws. You must not use the App if such use is prohibited by the laws of your country of residence.
• Harmful or Objectionable Content: Do not use the App to upload, transmit, generate, or share any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, libelous, vulgar, obscene, pornographic, invasive of another’s privacy, hateful, or otherwise objectionable. You also agree not to use the App to stalk, bully, or otherwise harass any person. If the App includes any interactive features (such as an AI assistant or community forums, if any), you must interact respectfully and not attempt to produce or disseminate content that is offensive or violates our Acceptable Use standards. (We reserve the right to determine what content or behavior is objectionable at our sole discretion.)
• Intellectual Property Infringement: Do not use the App to infringe upon the intellectual property or other rights of any party. This means you shall not upload or share content in the App that you do not have the right to use, and you shall not misuse any content from the App in a way that violates these Terms or any third-party rights. You must not attempt to copy or distribute content from the App for commercial purposes without authorization.
• Interference with the Service: Do not interfere with or disrupt the operation of the App or the servers, networks, or systems connected to the Service. This includes not engaging in any activity that could disable, overburden, or impair the App (e.g., a denial-of-service attack, distributing a virus, spamming, or scripting the creation of content in such a manner as to interfere with or create an undue burden on the App). You agree not to use any robot, spider, scraper, or other automated means to access the App for any purpose without our express written permission. Also, do not attempt to bypass any measures we use to prevent or restrict access to any portion of the Service.
• Unauthorized Data Collection: Do not collect or harvest any personally identifiable information from other users of the App or the Service. You must not use any communication systems provided within the App (if any) for commercial solicitation or spam purposes. You also agree not to use any of our trademarks, logos, or other proprietary information (including any content from the Service) in any meta tags or other “hidden text” or metadata without our explicit written consent.
• Impersonation and Misrepresentation: Do not impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity, in your use of the App. You must not pretend to be or represent someone else, or assume any false identity.
• Misuse of AI Features: If the Service includes AI-powered features (such as an AI assistant chatbot or similar), you agree not to use these features to generate content that violates these Terms or any laws. For example, you must not use the AI to generate hateful, abusive, or illegal material, and you understand that we may monitor interactions with such features to ensure compliance and improve our services (as permitted by law and outlined in our Privacy Policy).
• Unauthorized Access: Do not access or attempt to access any portion of the Service or any user accounts that you are not authorized to access. This includes not attempting to probe, scan, or test the vulnerability of any system or network related to the Service, nor breaching security or authentication measures of the Service.
• Violation of Others’ Rights or Privacy: Do not use the Service to violate the privacy, publicity, or other personal rights of others. You should not post anyone’s personal information within the App (if such posting is possible) without their consent. Likewise, you must not use the App to distribute unsolicited personal or private information about any other person.

Any violation of the above Prohibited Conduct may result in immediate suspension or termination of your user Account and access to the App (see Section 12), and may also subject you to civil, criminal, and/or administrative liability. We reserve the right (but have no obligation) to monitor any user conduct and content on the App. We may investigate and take appropriate action against anyone who, in our sole judgment, violates these rules, including removing the offending content, suspending or terminating accounts, and reporting you to law enforcement authorities if the law is violated.

9. Intellectual Property

Ownership of the Service: The App and all Content and materials provided through the Service are owned by or licensed to the Company and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws. This includes the software code, design, interface, look and feel of the App; all text, graphics, logos, button icons, images, audio clips, video clips, compilations (meaning the collection, arrangement, and assembly of content), and software used within the App; and the selection and arrangement thereof. Finestro and related logos, service names, and graphics are trademarks or trade dress of the Company (or its affiliates or licensors). All rights, title, and interest in and to the Service, the App, and all Content therein remain with the Company and/or its licensors. Nothing in these Terms transfers any ownership of such rights to you. You are only granted a limited, revocable right to use the App and Service as expressly provided in these Terms.

You may not use the Company’s name, trademarks, logos, domain names, or other distinctive brand features without our prior written consent, except as necessary for you to make reference to Finestro in a truthful and non-misleading manner (for instance, to describe your use of the Service in a non-commercial context).

Content License to You: During the term of this Agreement, we grant you a limited, revocable license to access and view the Content available in the App for your personal, non-commercial educational use, strictly as permitted by these Terms. Except for this limited license, you have no other rights in the Content. You may not reproduce, distribute, publicly display, or create derivative works from our Content without our express permission, except as allowed by law (e.g., brief quotations under fair use doctrine with proper attribution).

User Content: If the App allows you to submit, upload, or transmit any content (such as text, images, feedback, or other materials - for example, interacting with an AI assistant by inputting queries or participating in any user forums or chats), then any such content that you provide remains your content. We do not claim ownership of the original content you provide to us. However, by submitting or posting any content through the App, you grant us a worldwide, non-exclusive, royalty-free, fully paid-up, sublicensable, and transferable license to use, reproduce, display, host, adapt, modify (for formatting or technical purposes, for example), distribute, and otherwise exploit your content as necessary to provide and improve the Service. This license is for the limited purpose of operating the Service and improving our products, and it includes the right for us to make your content available to our service providers or partners (who are bound by confidentiality obligations) for those purposes. For example, if you input a question or prompt to our AI assistant feature, you grant us the right to process that prompt and display the resulting output to you, and to use the interaction (in anonymized form) to refine our AI models or user experience.

You represent and warrant that you have all necessary rights to submit any content you provide and to grant the above license. Do not provide any content that you do not have permission to share or that violates any third party’s rights. We reserve the right to remove any user-provided content from the Service that we determine, in our discretion, violates these Terms or is otherwise objectionable, but we do not have an obligation to monitor user content.

Feedback: If you choose to provide us with any suggestions, ideas, feature requests, or other feedback about the App or Service (“Feedback”), you agree that we can freely use, disclose, and exploit such Feedback without any compensation or obligation to you. To the extent that your Feedback is protected by intellectual property rights, you hereby grant the Company a perpetual, irrevocable, worldwide, royalty-free, and sublicensable right and license to use, reproduce, modify, and incorporate your Feedback into any of our products or services, including the App, without any notice or attribution. (This helps us improve Finestro - for example, if you suggest a new feature and we implement it, we don’t owe you royalties or acknowledgment.)

Reservation of Rights: All rights not expressly granted to you in these Terms are reserved by the Company and its licensors. You acknowledge that, as between you and the Company, the Company (and its licensors) owns all right, title, and interest in and to the App and Service. These Terms do not grant you any rights to use the Company’s trademarks, logos, or domain names, nor any other brand features, without our prior written consent, except as described herein. Any use of the Service or Content other than as specifically authorized by these Terms is strictly prohibited and will automatically terminate the license granted herein.

10. Third-Party Services and Providers

The App is integrated with or utilizes certain Third-Party Services and providers to function effectively. By using the App, you acknowledge that third-party technologies and services are used in conjunction with our Service, and that certain information may be shared with or collected by these third parties on our behalf as part of providing the Service. Key third-party providers used in the App include (but may not be limited to):

• Google Firebase: The App uses Google Firebase services (provided by Google LLC) for various infrastructural and functional purposes such as cloud storage, database, user authentication, push notifications, and crash reporting. These services help us store your data securely, keep the App synchronized, send you relevant notifications, and ensure the App’s reliability and performance.
• Amplitude Analytics: The App uses Amplitude (a product analytics service provided by Amplitude, Inc.) to collect anonymized and aggregated data about how users interact with the App. This analytics data (for example, which features are used most or how often users complete lessons) helps us understand usage patterns and improve the user experience.

Each of these Third-Party Services may have its own terms of service and privacy policies that govern their collection and use of your information. For example, use of Firebase is subject to Google’s terms and policies, and use of Amplitude is subject to Amplitude’s terms. By using our App, you agree to comply with any relevant end-user terms for these services to the extent they are applicable. We provide links or references to these third-party terms in our Privacy Policy or within the App as required. While we have integrated these services to enhance our Service, the Company does not control these third parties and thus cannot guarantee their performance or assume responsibility for any issues caused by them. However, we take care to select reputable providers and we contractually require them to adhere to privacy and security obligations regarding your data.

Your data may be processed by these providers solely for the purposes of delivering the Service (for instance, storing your progress data in Firebase or analyzing usage events through Amplitude). For more details on what data is shared and how it is used, please review our Privacy Policy. If any Third-Party Service is discontinued or faces an outage, it may impact the App’s functionality. We will endeavor to promptly address any service interruptions, but we are not liable for the unavailability of features or any damages or losses resulting from third-party outages or discontinuation beyond our control.

Additionally, the App may display or incorporate content provided by third parties (for example, a third-party video player or educational content from a partner). Any third-party content is the responsibility of the party that makes it available. We do not assume responsibility for any third-party content or services, and the inclusion of such content or integration of such services in our App does not imply our endorsement or verification of them. Use of any Third-Party Services or content is at your own risk, and you should review the terms and policies of those third parties when engaging with their services.

11. Data Privacy and Processing

Your use of the App and Service is subject to our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes in detail how we collect, use, store, disclose, and protect your personal data when you use Finestro: Learn AI. By using the App, you agree that the Company can collect and process your information as described in the Privacy Policy. This includes information you provide to us (such as your account details and any content you submit) and information collected automatically (such as usage statistics and device identifiers), as well as information obtained from third parties or through the Third-Party Services mentioned above.

We take the privacy and security of your personal data seriously. We implement appropriate technical and organizational measures to protect your data in accordance with applicable data protection laws. However, you acknowledge that no method of transmission over the Internet or electronic storage is completely secure, and therefore we cannot guarantee absolute security. More details on our data security practices are outlined in the Privacy Policy.

User Consents: By using the App, you consent to receive electronic communications from us regarding the Service (such as account-related emails, service announcements, and administrative messages). Where consent is required by law for certain data processing or communications (for instance, for sending marketing communications or using certain cookies or analytic tools), we will obtain such consent separately, usually through the Privacy Policy or a settings interface. You have choices regarding your data, which are also described in the Privacy Policy (for example, you may have rights to access or delete your data, opt out of certain tracking, etc., depending on your jurisdiction).

If you do not agree with the data handling practices described in our Privacy Policy, you should not use the App. In such case, you may contact us to request deletion of your Account and personal data (as feasible and permitted by law) - see Section 12 for more on account deletion.

Third-Party Data Processing: As noted in Section 10, certain data may be shared with third-party service providers (like Firebase and Amplitude) in order to operate the Service. We ensure that such providers are bound by appropriate confidentiality and data protection obligations. By using the App, you acknowledge that your data may be transferred to and processed in countries outside of your home jurisdiction (including outside the European Economic Area, if applicable), where data protection laws may differ. We will take steps to ensure appropriate safeguards are in place for international transfers as required by applicable law (such as using EU Standard Contractual Clauses, if relevant). Details of these safeguards are also provided in the Privacy Policy.

In summary, our Privacy Policy governs the collection and use of your data, and by accepting these Terms, you also agree to the Privacy Policy. If you have questions or concerns about how we handle your data, you can contact us at the information provided in the Privacy Policy or Section 18 (Contact Information) of these Terms.

12. Account Deletion and Termination

Voluntary Account Deletion by You: You may stop using the App at any time. If you wish to delete your Finestro Account entirely and terminate this Agreement, you can do so by contacting us at [email protected] with a request to delete your account (from the email address associated with your Account, for verification) or delete your account directly in the App. We will handle account deletion requests in accordance with our Privacy Policy (which may require us to retain certain information for legal or internal business purposes for a limited time after deletion). Deleting your Account will remove your access to the App and Service, and you will lose any data or progress associated with your Account (to the extent we are able to delete it and not required to retain it). Please note: Deleting the App from your device or requesting account deletion does not automatically cancel any active Subscription you have purchased externally. If you have an ongoing paid Subscription, you must separately cancel that Subscription through the platform where you purchased it to stop recurring charges. We are not responsible for subscription fees that continue to be charged if you fail to properly cancel a Subscription after deleting your Account or the App.

Termination or Suspension by Company: We reserve the right to suspend or terminate your Account or access to the App (in whole or in part) at any time, with or without notice, if we reasonably believe that: (i) you have violated any provision of these Terms or any applicable law; (ii) you are using the Service in a manner that could cause harm or legal liability to other users, to third parties, or to us; (iii) you have engaged in fraudulent, deceptive, or improper activities in relation to the App; or (iv) we are required to do so to comply with a law, regulation, court order, or request by law enforcement or other government agencies. We may also suspend the Service or your access to it as necessary to protect the security and operation of our systems, the rights of other users, or in the event of any suspected misconduct.

In some cases, where appropriate and feasible, we may provide you with notice of improper behavior and an opportunity to resolve it before terminating, but we are not obligated to do so. If we terminate your Account, we will generally notify you of the termination (via the email on your account or upon your next attempt to access the account), unless we are prohibited by law from doing so or if we determine that providing notice could result in harm to us or others.

Effect of Termination: Upon any termination of this Agreement (whether by your deletion or our termination/suspension), your right to access and use the App will immediately cease. You must cease all use of the App and delete any copies of the App from your devices. Any data you have stored on the Service might no longer be accessible by you after termination (though we may retain certain data as required or permitted by law, or as outlined in our Privacy Policy).

If we terminate your Account due to a violation of these Terms or wrongdoing on your part, you will not be entitled to any refunds of any Subscription fees or other fees you have paid; in fact, we reserve all rights to pursue compensation for any damage or losses we suffer as a result of your breach. Any refunds, if applicable, are governed by the terms presented at the point of purchase and applicable law.

Survival: Any provisions of these Terms that by their nature should survive termination of this Agreement (including, by way of example, provisions regarding intellectual property ownership, disclaimers of warranties, limitation of liability, indemnification, governing law, and dispute resolution) will survive the termination of your access to the Service.

13. Disclaimers

Use at Your Own Risk: The Finestro: Learn AI App and all content, information, tools, and features made available through it are provided on an “AS IS” and “AS AVAILABLE” basis, without any warranties of any kind, either express or implied. Your use of the App and Service is at your sole risk. To the fullest extent permitted under applicable law, the Company disclaims all warranties, express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising out of course of dealing or usage of trade. We do not guarantee continuous, error-free, secure, or virus-free operation of the App or that the App will meet your requirements or expectations.

No Guarantee of Results or Outcomes: The App is an educational tool intended to help you learn about AI and improve your skills, but we make absolutely no guarantee or warranty that using the App or following the guidance in the Service will result in any particular outcome for you. This includes, without limitation, no guarantees of academic or professional success, skill advancement, financial gain, employment opportunities, or any other tangible or intangible outcomes. Every user’s results will depend on many factors beyond our control, including your own effort, background, and external circumstances. Any case studies, examples, or success stories that might be presented in our content are for illustrative purposes only and are not promises that you will achieve similar results. You acknowledge that learning outcomes are inherently uncertain, and you should use your own judgment (and, if needed, seek professional advice) when applying any knowledge or skills from the App in real-life scenarios.

Informational Purposes Only; No Professional Advice: All content and information provided through the App (including responses from any AI assistant feature, if offered) are for general informational and educational purposes. We are not a professional advisory service and do not provide financial, legal, medical, or other professional advice to you. For example, if the App includes content on optimizing work with AI or suggestions for generating income online, these are informational guides and not guarantees or personalized advice suited to your specific situation. You should not construe any content in the App as professional advice. If you need specific advice (for example, on legal compliance or financial planning or any other specialized area), you should consult a qualified professional. We expressly disclaim any liability for actions you take or do not take based on the information provided by the App.

Accuracy of Content: While we strive to provide high-quality, accurate, and up-to-date content, we make no warranty that any content or information provided through the Service is complete, correct, or up-to-date. The field of AI (and related domains) evolves rapidly, and information can become outdated or subject to debate. Additionally, if an AI-powered feature is available (such as an AI assistant that answers questions), you acknowledge that AI-generated responses may occasionally be incorrect, misleading, or incomplete. The Company does not guarantee the accuracy or reliability of any outputs or information generated by an AI feature. You should independently verify critical information and use discretion when deciding how to act based on any information from the App.

Service Availability: We do not warrant that the App or Service will be available at all times or at any particular time, or that the Service will be secure or free of errors. We disclaim any responsibility for problems downloading or accessing the App or any of its features, or any problems with connectivity that are beyond our control. There may be times when the App is unavailable due to maintenance, updates, technical issues, or reasons beyond our control. We will endeavor to provide reasonable support and to fix bugs or errors that we become aware of, but the App’s availability and quality is not guaranteed. No oral or written information or advice given by the Company or any of its representatives shall create any warranty.

Third-Party Content and Links: The App may contain links to third-party websites or resources, or content that is provided by third parties (such as external articles, examples, or integrations with third-party services). Such third-party content and links are provided for your convenience only. We do not endorse, and we are not responsible for, any third-party content or websites. Your dealings or correspondence with third parties and your use of their content or services are solely between you and the third party. The Company has no control over and no liability for third-party materials, and your use of them is at your own risk and subject to whatever terms and policies those third parties may have.

User Responsibilities: You are solely responsible for your use of the App and for any results obtained from it. You agree that you use the App at your own discretion and risk. You are responsible for ensuring that your use of the App and any Content complies with all laws applicable to you. You are also responsible for any content you input or submit in the App and the consequences of sharing or publishing such content (if the App allows publication). The Company is not responsible for any decisions you make or actions you take based on information or tools provided by the App.

No Warranty of Learning or Performance: The Company disclaims any warranty that your learning objectives will be met through use of the App. We do not warrant that you will find the Service suitable to your needs, that it will operate without interruption, or that it will be error-free. We do not warrant any particular uptime or that any particular content will be available at a given time (content may be updated or removed). If you are dissatisfied with the Service, your sole remedy is to stop using it (subject to any refund policy that might be in place for your Subscription, which is outside the scope of these App Terms).

Some jurisdictions do not allow the exclusion of certain warranties or the limitation of implied warranties. If these laws apply to you, some or all of the above disclaimers may not apply to you to the extent they are prohibited by applicable law. In such cases, the warranties will be limited to the maximum extent permitted by law.

14. Limitation of Liability

To the fullest extent permitted by applicable law, in no event will the Company (Applyft Ltd.), its affiliates, licensors, suppliers, or its and their respective officers, directors, employees, agents or representatives, be liable to you or any third party for any indirect, incidental, special, consequential, exemplary, or punitive damages whatsoever, including but not limited to damages for lost profits, lost revenue, lost savings, lost business opportunities, loss of data, or any other intangible losses, arising out of or related to your use of or inability to use the App or Service, or arising from your reliance on any content provided in the App, whether based on warranty, contract, tort (including negligence), strict liability, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

In particular, and without limiting the foregoing, the Company will not be liable for:

• Any errors, mistakes, or inaccuracies of content;
• Any personal injury, property damage, or other harm resulting from your access to or use of the App;
• Any unauthorized access to or use of our servers and/or any personal information or data stored therein;
• Any interruption or cessation of transmission to or from the Service;
• Any bugs, viruses, trojan horses, or the like that may be transmitted to or through our App by any third party;
• Any errors or omissions in any content or information, or for any loss or damage incurred as a result of the use of any content posted, emailed, or otherwise made available through the App;
• The defamatory, offensive, or illegal conduct of any third party (including other users or any AI outputs) with respect to the Service.

Maximum Liability Cap: To the extent that any liability is not legally excludable, the total cumulative liability of the Company and its affiliates arising out of or relating to these Terms or the Service (from all causes of action and under all theories of liability) shall not exceed the amount you have paid to the Company for your Subscription or use of the Service in the six (6) months immediately prior to the event giving rise to the claim (or, if greater, to the minimum extent required by applicable law). If you have not made any payments to the Company during that time period (for example, if you only used a free portion of the service), the Company’s total liability shall in no case exceed one hundred (100) Euros (or the equivalent in local currency).

This limitation of liability is cumulative and not per-incident. The existence of multiple claims will not enlarge the limit. You agree that the limitations of liability and disclaimers in these Terms are a fair allocation of risk and a fundamental basis of the bargain between you and the Company, and that the Company would not be able to provide the App and Service on an economically feasible basis without such limitations.

Exceptions: Nothing in these Terms is intended to exclude or limit liability that cannot be excluded or limited under applicable law. In particular, we do not seek to exclude liability for death or personal injury caused by our negligence or willful misconduct, or for our fraud or fraudulent misrepresentation, or for any other liability that cannot, under Cyprus law or other applicable laws, be excluded or limited by agreement. However, such liability is limited to the smallest extent permitted by the relevant law.

Because some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not fully apply to you. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

15. Indemnification

You agree to indemnify, defend, and hold harmless the Company (Applyft Ltd.), its parent company, affiliates, and subsidiaries, and each of their respective officers, directors, employees, agents, partners, and advisers (collectively, the “Indemnified Parties”), from and against any and all claims, demands, complaints, actions, suits, proceedings, losses, liabilities, damages, judgments, settlements, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or relating to: (a) your use or misuse of the App or Service, including any content you submit or any actions you take in connection with the App; (b) your breach or alleged breach of these Terms or any representation, warranty, or agreements referenced herein; (c) your violation of any applicable law or regulation in connection with your use of the App; or (d) your infringement or misappropriation of any intellectual property or other rights of any third party. This indemnification obligation includes, without limitation, any claims of third parties (including other users, any third-party service providers, or governmental authorities) arising from your conduct as described above.

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 such case, you agree to cooperate with our defense of that claim and you will not 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 the Company or any other Indemnified Party. You agree to promptly notify the Company of any third-party claims of which you become aware, that might affect the Company.

Your indemnification obligations will survive any termination or expiration of these Terms or your use of the Service. This means that even if you stop using the App or your account is deleted, you will continue to be responsible for indemnifying us for any costs or liabilities arising from your use that occurred prior to termination.

16. Governing Law and Jurisdiction

Governing Law: These Terms and any dispute or claim (contractual or non-contractual) arising out of or in connection with the App, the Service, or these Terms shall be governed by and construed in accordance with the laws of the Republic of Cyprus, without giving effect to any conflict of law principles that would cause the laws of another jurisdiction to apply. You and the Company agree that the United Nations Convention on Contracts for the International Sale of Goods (CISG) does not apply to this Agreement.

Jurisdiction and Venue: You agree that any dispute, controversy, or claim arising out of or relating to these Terms or your use of the App shall be subject to the exclusive jurisdiction of the courts of Cyprus. Unless otherwise required by a specific law of your country of residence (for example, certain consumer protection laws that might allow you to bring an action in your home jurisdiction), you and the Company consent to the personal and exclusive jurisdiction of the courts located in the Republic of Cyprus for the purpose of litigating all such disputes. If local law applicable to you permits you to bring a claim in your local courts despite this choice of forum, this clause does not limit any rights you have under such law.

Injunctive Relief: Notwithstanding the above, you agree that the Company may seek injunctive or other equitable relief in any court of competent jurisdiction (and it consents to such jurisdiction) to protect its intellectual property or confidential information, if needed.

International Use: We make no representation that the App or content in the Service is appropriate or available for use in all locations. Those who access or use the Service from other jurisdictions do so at their own risk and are responsible for compliance with local law. However, regardless of your location, your relationship with the Company under these Terms will be governed by Cyprus law as stated above, to the maximum extent enforceable.

17. Amendments to the Terms

The Company reserves the right to modify, amend, or update these Terms at any time. If we make material changes to these Terms, we will provide you with notice of such changes by updating the “Last Updated” date at the top of this document and, if required by law or deemed appropriate, by additional means such as via email to the address associated with your Account or by prominent notice within the App. It is your responsibility to review these Terms periodically.

Any modifications to the Terms will become effective upon posting the updated version to our website or within the App (or on the effective date stated in the notice, if one is provided). In some cases (for example, to comply with legal requirements), the changes may become effective immediately or on a specified date. We will indicate in the notice if a change is to have retroactive effect or immediate effect.

If you do not agree to the revised Terms, you must stop using the App and may contact us to terminate your Account. By continuing to access or use the App after the updated Terms have become effective, you indicate that you have read, understood, and agreed to the current version of the Terms.

Please note that other aspects of the Service (such as new features or promotions) may be subject to additional terms and conditions, which will be provided to you at the time those features or promotions are offered. Any such additional terms are incorporated by reference into these Terms, and to the extent they conflict with these general Terms, the additional terms will govern with respect to the specific feature or promotion.

18. Contact Information

If you have any questions, concerns, or comments about these Terms or the Service, or if you need to provide any notice under these Terms, please contact us at:

Applyft Ltd. (Finestro Support)

Address: Flat/Office A, Parnithos 9, 4040 Germasogeia, Limassol, Cyprus.

Email: [email protected]

When contacting us or sending us any notice, please include your name, contact information, and, if applicable, your Finestro Account email or identifier, and clearly describe your question or request. We will endeavor to respond to all legitimate inquiries in a timely manner.

Acknowledgment: You acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. These Terms, together with the Privacy Policy and any additional terms or documents expressly incorporated by reference, constitute the entire agreement between you and the Company regarding the App and the Service. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the other provisions of the Terms will remain in full force and effect. Any failure by the Company to enforce a right or provision of these Terms shall not constitute a waiver of such right or provision unless acknowledged and agreed by us in writing.

Thank you for using Finestro: Learn AI. We hope our App helps you on your journey to mastering AI tools. Happy learning!