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Terms & Conditions

Finplify LTD · Last updated September 2025

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Finplify LTD

Effective Date: June 2025

Last Updated: September 2025

Below are the comprehensive and detailed Terms & Conditions governing both the use of Finplify products and the sale of our services. Please read them carefully. If you have any questions, you may contact us at contact@finplify.com.

By accessing or using the Finplify platform, creating an account, or purchasing a subscription, you acknowledge that you have read, understood and agree to be bound by these Terms & Conditions. If you do not agree with any part of these Terms, you must not use our services.

1. ACCEPTANCE OF TERMS AND LEGAL AGREEMENT

1.1 Binding Agreement

These Terms and Conditions of Use ("Terms," "Agreement," or "Terms of Use") constitute a legally binding contract between you, whether personally or on behalf of an entity ("User," "you," or "your"), and Finplify LTD, a Swiss Société Anonyme (limited company, also called AG or LTD) organized and existing under the laws of Switzerland, with its registered office in Geneva, Switzerland, company registration number CHE-230.898.850 ("Finplify," "Company," "we," "us," or "our"), concerning your access to and use of the Finplify platform, including but not limited to our website, mobile applications, software, tools, features, functionality, content, data, and all associated services (collectively, the "Platform" or "Services").

By accessing, browsing, subscribing to, or otherwise using any portion of the Platform, you acknowledge that you have read, understood, and expressly agree to be bound by all of these Terms, as well as our Privacy Policy, Cookie Policy, and any other legal notices, policies, or guidelines published on the Platform, all of which are incorporated herein by reference and form an integral part of this Agreement. If you do not agree to all the terms and conditions set forth in this Agreement, then you are expressly prohibited from using the Platform and must discontinue use immediately.

1.2 Capacity and Authority to Enter Agreement

By agreeing to these Terms, you represent and warrant that you possess the legal capacity to enter into binding agreements under applicable law. Specifically, you represent that you are at least eighteen (18) years of age or have reached the age of legal majority in your jurisdiction of residence, whichever is greater. You further represent that you are not barred from receiving services under the laws of Switzerland or any other applicable jurisdiction, including but not limited to the jurisdiction in which you reside or from which you access the Platform.

If you are accessing or using the Platform on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity and its affiliates to these Terms, in which case the terms "you" and "your" shall refer to such entity and its affiliates. If you do not have such authority, or if you do not agree with these Terms, you must not accept this Agreement and may not use the Services. You further represent that the entity on whose behalf you are acting has been duly organized and validly exists under the applicable laws of the jurisdiction of its organization, and that you have been duly authorized by such entity to act on its behalf.

1.3 Modifications and Amendments to Terms

Finplify expressly reserves the right, in its sole and absolute discretion, to modify, update, revise, or replace any part of these Terms at any time and for any reason, with or without prior notice to users. Such modifications shall be effective immediately upon posting of the updated Terms on the Platform, unless otherwise specified. The updated Terms will be identified by an updated "Last Updated" date at the top of this page, and may, in Finplify's discretion, be notified to you through the Platform interface, via email to the address associated with your account, or through other reasonable means.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you. If you do not agree to the modified Terms, your sole remedy is to discontinue your use of the Platform and terminate your account in accordance with the termination provisions set forth herein. By continuing to access or use our Platform after any revisions become effective, you agree to be bound by the revised Terms.

2. NATURE AND DESCRIPTION OF SERVICES

2.1 Platform Overview and Service Description

Finplify operates a sophisticated Software-as-a-Service (SaaS) platform designed to provide comprehensive financial market intelligence, data analytics and educational resources to users interested in financial markets and investment-related information. The Platform aggregates, processes and presents financial data, market information, analytical tools and artificially intelligent insights to assist users in understanding market dynamics and conducting their own independent research.

The Services include, but are not limited to, the provision of real-time and historical market data obtained from licensed third-party providers, proprietary analytical tools and calculators, AI-generated market commentary and insights powered by advanced machine learning models, curated financial news and information from various sources, educational content and resources related to financial markets and investing, data visualization tools and interactive charts, portfolio tracking and watchlist functionalities, market alerts and notifications, research reports, market analysis and various other features and functionalities as may be offered from time to time at Finplify's discretion.

2.2 Educational and Informational Purpose Only

It is expressly understood and agreed that all content, data, information, tools and services provided through the Platform are intended solely for educational and informational purposes. Finplify is not registered, licensed, or authorized as an investment advisor, broker-dealer, financial planner, or fiduciary under Swiss law or the laws of any other jurisdiction. The Platform does not provide personalized investment advice, financial planning services, or recommendations regarding the purchase, sale, or holding of any specific securities or investment products.

Users expressly acknowledge and agree that nothing contained on the Platform constitutes a solicitation, recommendation, endorsement, or offer by Finplify or any third party to buy or sell any securities or other financial instruments in any jurisdiction. The information provided through the Platform should not be relied upon as a substitute for extensive independent research, professional financial advice, or consultation with qualified investment professionals who are aware of your specific financial situation, investment objectives, risk tolerance and other relevant circumstances.

2.3 Service Modifications and Evolution

As a dynamic technology startup operating in the rapidly evolving financial technology sector, Finplify reserves the absolute and unconditional right to modify, enhance, reduce, suspend, discontinue, or fundamentally alter any aspect of the Platform or Services at any time, with or without notice, and for any reason or no reason at all. This includes but is not limited to the right to add or remove features and functionalities, change the user interface or user experience, modify data sources or providers, alter subscription tiers or service levels, implement new technologies or discontinue existing ones, change system requirements or technical specifications and modify or eliminate any content or information.

Users acknowledge and accept that the Platform is provided on an evolutionary basis and that Finplify makes no commitment to maintain any particular feature, functionality, or service level indefinitely. Features that are available today may be modified or removed tomorrow, and new features may be added without prior announcement. Users have no vested right in the continuation of any particular aspect of the Service and must accept the Platform as it exists at any given time.

2.4 No Guarantee of Service Continuity

Users expressly acknowledge and agree that Finplify, as a startup company, does not guarantee the perpetual availability or continuation of the Platform or any of its Services. The Company reserves the right to cease operations, wind down the business, sell or transfer the Platform to another entity, or discontinue the Services entirely at any time and for any reason, including but not limited to business considerations, financial constraints, strategic pivots, regulatory requirements, or force majeure events.

In the event of service discontinuation, whether temporary or permanent, Finplify shall have no obligation to maintain, store, or transfer user data beyond what is required by applicable law, and users acknowledge that they may lose access to their data, settings and any content associated with their accounts. Users are strongly advised to maintain independent backups of any data or information they consider important.

3. USER REGISTRATION, ACCOUNTS, AND AUTHENTICATION

3.1 Account Creation Requirements

Access to certain features and functionalities of the Platform requires the creation of a user account. When creating an account, you agree to provide accurate, current, complete and truthful information as prompted by the registration process. This includes but is not limited to your legal name, valid email address, country of residence and any other information requested during the registration process. You agree to promptly update your account information to maintain its accuracy and completeness at all times.

The registration process may include identity verification procedures, particularly for users seeking access to advanced features or higher service tiers. You agree to cooperate fully with any such verification procedures and to provide any additional documentation or information as may be reasonably requested by Finplify or its authorized agents. Providing false, misleading, or fraudulent information during registration or at any other time constitutes a material breach of these Terms and may result in immediate suspension or termination of your account, as well as potential legal action.

Each subscription is intended for use by a single, named individual. Sharing login credentials, allowing multiple users to access a single account, or otherwise circumventing user limits is strictly prohibited. Any violation of this policy may result in immediate suspension or termination of service without prior notice and without any right to reimbursement or refund.

3.2 Account Security and Responsibility

Upon successful registration, you will be required to create authentication credentials, including but not limited to a username and password. You are solely and entirely responsible for maintaining the strict confidentiality of your account credentials and for restricting access to your computer, mobile device and other means of accessing your account. You accept full responsibility for all activities that occur under your account or using your credentials, whether or not such activities are authorized by you.

You agree to immediately notify Finplify of any unauthorized use of your account, any breach or suspected breach of security, including but not limited to loss, theft, or unauthorized disclosure of your password or other authentication factors. You acknowledge that Finplify will not be liable for any loss or damage arising from your failure to comply with these security obligations, or for any security damage incurred both directly and indirectly. You further agree that you will be solely responsible for any losses incurred by Finplify or any other user of the Platform due to someone else using your account or password, whether with or without your knowledge.

3.3 Account Suspension, Restriction and Termination

Finplify reserves the absolute right, in its sole discretion and without prior notice, to suspend, restrict, or terminate your account and access to all or any part of the Platform at any time and for any reason, including but not limited to violation or suspected violation of these Terms, suspicious or fraudulent activity, extended periods of inactivity, receipt of complaints from other users, request by law enforcement or government agencies, technical or security issues, or for any other reason deemed appropriate by Finplify.

Upon suspension or termination of your account, your right to use the Platform will immediately cease. All provisions of these Terms which by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, limitations of liability and dispute resolution provisions. Finplify shall not be liable to you or any third party for any suspension or termination of your account or access to the Platform.

4. SUBSCRIPTION TERMS AND PAYMENT OBLIGATIONS

4.1 Subscription-Based Service Model

The Platform operates on a subscription-based model whereby users pay recurring fees to access various tiers of services and features. Subscription plans may vary in terms of pricing, duration, features, data access levels, usage limits, and other parameters as determined by Finplify from time to time. The specific terms of your subscription, including the applicable fees, billing cycle, and included features, will be presented to you at the time of purchase and may be modified in accordance with these Terms.

By subscribing to any paid plan, you expressly authorize Finplify or its designated payment processors to charge the payment method associated with your account on a recurring basis according to your selected billing cycle. You acknowledge that your subscription will continue indefinitely until cancelled by you or terminated by Finplify in accordance with these Terms.

4.2 Pricing Volatility and Changes

As a startup company operating in a dynamic market environment, Finplify expressly reserves the unconditional right to modify its pricing structure at any time and without prior notice. This includes but is not limited to the right to increase or decrease subscription fees, introduce new pricing tiers, eliminate existing plans, modify the features included in each tier, implement usage-based pricing components, add or remove promotional offers, and adjust prices based on geographic location or other factors.

Users expressly acknowledge and accept that the prices they pay today may not be the prices they pay tomorrow.

While Finplify makes no commitment to maintain any particular pricing level, nor to grandfather existing users at their current rates, nor to provide advance notice of price changes, we will strive to inform our customers in advance whenever possible and to keep already paid features available at the same rate for the duration of their billing cycle. We also make every effort to provide fair commercial offers to our existing users in case of pricing adjustments, although this cannot be guaranteed.

Price modifications may take effect immediately for new subscriptions and at the next renewal period for existing subscriptions. Your continued use of the Platform after a price change constitutes your acceptance of the new pricing.

4.3 Payment Processing and Billing

All payments for subscriptions and any additional services or features are processed through third-party payment service providers selected by Finplify, including but not limited to Stripe, PayPal, and other authorized payment processors. By providing payment information, you authorize Finplify and its payment processors to charge your designated payment method for all fees associated with your use of the Platform, including initial subscription fees, recurring renewal charges, applicable taxes, and any additional services or overages incurred during your subscription period. You represent and warrant that you have the legal right to use any payment method you provide, that all payment information provided is true, accurate, and complete, and that you will maintain current payment information on file throughout your subscription period. You acknowledge that Finplify does not store complete credit card numbers or sensitive payment details directly on its servers, relying instead on PCI DSS-compliant third-party processors for secure payment handling. You agree to pay all charges incurred by you or any users of your account at the prices in effect when such charges are incurred.

All amounts are payable in the currency displayed at checkout and you are responsible for any currency conversion fees imposed by your financial institution. You are additionally responsible for all applicable taxes, duties, levies, or fees imposed by any governmental authority, including but not limited to value-added tax (VAT), goods and services tax (GST), sales tax, or digital services tax, except for taxes based solely on Finplify's net income. In the event of a failed payment, Finplify reserves the right to immediately restrict or suspend access to paid features without prior notice. Finplify will attempt to process the charge again within a reasonable period and will notify you by email. If payment continues to fail, your account will enter a grace period of thirty (30) days during which you may update your payment information to restore full access. If payment is not received within the grace period, Finplify may terminate your account and permanently delete associated data, subject to applicable legal retention requirements. Access restrictions imposed due to failed payments do not entitle you to any refund, credit, or service extension.

4.4 Refund Policy, Cancellation and Billing Disputes

14-Day Refund Window: Finplify offers a 14-day money-back guarantee from the date of initial purchase only. Renewal charges are not eligible for refunds. To request a refund, you must submit a written request to support@finplify.com within 14 calendar days of the charge date, including your account email address, the charge date, and a brief reason for the request. Approved refunds will be processed to your original payment method within 10 business days. After the 14-day window has elapsed, all charges are final and non-refundable.

Eligibility Conditions: The 14-day refund right is subject to the following conditions:

  • The refund request must be submitted to support@finplify.com within 14 calendar days of the charge
  • Only one refund per account will be granted across the lifetime of the account, regardless of subscription tier or renewal cycle
  • The account must not have been suspended or terminated for violation of these Terms prior to or at the time of the request
  • The account must not show signs of refund abuse as described below

Anti-Abuse and Fraud Prevention: Finplify actively monitors accounts for patterns of bad-faith use of the refund policy. We reserve the absolute right to deny any refund request where we have reasonable grounds to believe it constitutes abuse, including but not limited to: creation of multiple accounts — under the same or different identities — to circumvent the one-refund-per-account limitation; repeated subscription and cancellation cycles designed to exploit the refund window; coordinated or systematic misuse of Finplify's commercial policies; or any other conduct that, in Finplify's sole judgment, constitutes an attempt to obtain services without legitimate payment. Accounts found engaging in such behaviour may be permanently banned from the Platform with no right to appeal or compensation.

Cancellation Procedure: Subscriptions may only be cancelled through the Stripe customer portal, accessible via your account settings. Email requests or other informal communications do not constitute valid cancellations and will not be processed. Upon successful cancellation, you retain access to paid features through the end of your current billing period, after which your account reverts to the available free tier or is suspended. Cancellation alone does not constitute a refund request — a separate written request to support@finplify.com must be submitted within the 14-day window if a refund is also sought.

Billing Disputes: Any disputes regarding charges must be reported to support@finplify.com within thirty (30) days of the charge appearing on your payment method statement. Failure to report within this period constitutes acceptance of the charge. You agree not to initiate chargebacks or payment disputes with your financial institution without first attempting resolution directly with Finplify. Initiating a chargeback without prior written communication to Finplify may result in immediate account suspension, permanent ban from the Platform, and collection proceedings for any amounts owed.

4.5 Free Trials and Promotional Offers

Finplify may offer free trial periods or promotional pricing at its discretion. To access a free trial, you might provide valid payment information, which will be authorized but not charged until the trial period expires. You may cancel at any time during the trial period without charge by following the cancellation procedure in Section 4.4.

At the conclusion of your free trial (if available and if you opt for a free trial of a paid plan), your subscription will automatically convert to a paid subscription at the then-current standard rate for your selected plan unless you cancel before the trial expiration date. You can still stay on the free plan. You will receive an email notification at least three (3) days before the trial ends reminding you of the upcoming conversion. Promotional pricing, when offered, is temporary and will automatically revert to standard pricing at the end of the promotional period as specified in the promotional terms. If you cancel a subscription that was under promotional pricing, you forfeit the promotional rate and must subscribe at standard rates if you wish to resume service.

Finplify reserves the right to modify, suspend, or terminate trial offers and promotional pricing at any time without notice. Abuse of trial offers, including but not limited to creating multiple accounts to access multiple trials, will result in immediate termination of all associated accounts and may result in permanent prohibition from the Platform.

4.6 Taxes and Compliance

You are responsible for all taxes, duties, levies, and fees associated with your subscription, excluding taxes based solely on Finplify's net income. For customers located in Switzerland, Swiss VAT at the applicable rate will be added to all charges. For customers in the European Union, VAT will be applied according to the reverse charge mechanism where applicable, provided you supply a valid VAT identification number. Customers outside Switzerland and the EU are responsible for determining and fulfilling their local tax obligations.

Finplify will provide tax invoices that comply with Swiss VAT requirements and, where applicable, the requirements of your jurisdiction. You agree to provide accurate tax information, including but not limited to your legal name, business address and tax identification numbers and to update this information promptly if it changes. If you are tax-exempt, you must provide valid exemption certificates before the purchase to avoid being charged applicable taxes.

You acknowledge that tax laws and rates may change and you agree to pay any increased taxes that may apply to your subscription. If Finplify is required to collect taxes retroactively due to changes in law or determination by tax authorities, you agree to pay such amounts promptly upon request.

4.7 Service Levels and Technical Limitations

Finplify provides the Platform on an "as available" basis and does not guarantee any specific level of uptime, performance, or availability. While we strive to maintain reliable service, you acknowledge that the Platform may experience planned maintenance (typically conducted during off-peak hours with advance notice when possible), unplanned outages due to technical issues, degraded performance during peak usage periods, temporary feature unavailability, and interruptions caused by third-party service providers. The absence of guaranteed service levels is reflected in our pricing structure. You acknowledge that occasional service interruptions might occur and are inherent to internet-based services. You agree that subscription fees continue to accrue during any downtime, with no right to refunds or credits except in cases of extended outages primarily caused by Finplify's gross negligence.

5. INTELLECTUAL PROPERTY RIGHTS AND LICENSING

5.1 Finplify's Proprietary Rights

All content, features, functionality and materials available on or through the Platform, including but not limited to software code, algorithms, databases, text, graphics, images, logos, icons, audio clips, video clips, data compilations, page layout, design elements, and all other tangible and intangible materials (collectively, "Proprietary Content"), are the exclusive property of Finplify LTD or its licensors and are protected by Swiss and international copyright, trademark, patent, trade secret and other intellectual property laws.

The Finplify name, logo and all related names, logos, product and service names, designs and slogans are trademarks of Finplify LTD or its affiliates or licensors. You must not use such marks without the prior written permission of Finplify. All other company names, logos, product and service names, designs and slogans on the Platform are the trademarks of their respective owners.

5.2 Limited License Grant to Users

Subject to your complete and ongoing compliance with these Terms, Finplify grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Platform solely for your personal, non-commercial use in accordance with these Terms. This license does not include any right to resell or make commercial use of the Platform or any content therein, to collect and use any product listings, descriptions, or prices, to make derivative use of the Platform or its contents, to download or copy information for the benefit of any third party, or to use data mining, robots, or similar data gathering and extraction tools.

All rights not expressly granted to you in these Terms are reserved and retained by Finplify or its licensors. No license or right to use any trademark, logo, or service mark of Finplify or any third party is granted to you under these Terms. You acknowledge that you do not acquire any ownership rights by using the Platform or accessing any Proprietary Content.

5.3 User-Generated Content and Feedback

To the extent the Platform permits you to submit, upload, or otherwise make available any content, including but not limited to comments, feedback, suggestions, or other materials (collectively, "User Content"), you grant to Finplify an irrevocable, perpetual, worldwide, royalty-free, fully paid-up, non-exclusive, transferable, sublicensable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, display and otherwise exploit such User Content in any form, media, or technology now known or later developed.

You represent and warrant that you own or have the necessary rights to grant the license set forth in this section, that your User Content does not violate any third party's rights, and that your User Content complies with these Terms and all applicable laws and regulations.

6. PROHIBITED USES AND CONDUCT

6.1 General Prohibitions

In using the Platform, you expressly agree not to engage in any conduct that could damage, disable, overburden, or impair the Platform or interfere with any other party's use of the Platform. You may not attempt to gain unauthorized access to any portion of the Platform, other users' accounts, or any systems or networks connected to the Platform through hacking, password mining, or any other means. You agree not to probe, scan, or test the vulnerability of the Platform or any network connected to the Platform, nor breach the security or authentication measures on the Platform.

You further agree not to use any robot, spider, scraper, or other automated means to access the Platform for any purpose without our express written permission. Additionally, you agree not to collect or harvest any personally identifiable information from the Platform, nor use the communication systems provided by the Platform for any commercial solicitation purposes. You agree not to circumvent, disable, or otherwise interfere with security-related features of the Platform or features that prevent or restrict use or copying of any content or that enforce limitations on use of the Platform.

6.2 Content and Data Restrictions

You acknowledge and agree that you will not copy, reproduce, distribute, transmit, broadcast, display, sell, license, or otherwise exploit any Proprietary Content for any purpose not expressly permitted by these Terms. You will not modify, create derivative works from, reverse engineer, decompile, or disassemble any software or other products or processes accessible through the Platform. You agree not to insert any code or product or manipulate the content of the Platform in any way that affects any user's experience.

You further agree not to use the Platform to upload, transmit, or distribute any computer viruses, worms, or any software intended to damage or alter a computer system or data. You will not send unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of duplicative or unsolicited messages through the Platform.

6.3 Legal and Ethical Compliance

You agree to use the Platform only for lawful purposes and in accordance with these Terms and all applicable laws and regulations. You will not use the Platform in any way that violates any applicable federal, cantonal, local, or international law or regulation, including but not limited to laws regarding the export of data or software, intellectual property rights, privacy rights, or financial regulations.

You agree not to use the Platform to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Platform, or which, as determined by Finplify, may harm Finplify or users of the Platform or expose them to liability. This includes but is not limited to engaging in conduct that is defamatory, obscene, pornographic, vulgar, offensive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent, or otherwise objectionable.

7. DATA ACCURACY, LIMITATIONS AND DISCLAIMERS

7.1 Third-Party Data and Information

The Platform incorporates and displays financial market data, news, and other information obtained from various third-party sources, including but not limited to Financial Modeling Prep (FMP) and other licensed data providers. While Finplify endeavors to work with reputable data providers and maintains commercial licensing agreements for such data, Finplify does not independently verify, validate, or guarantee the accuracy, completeness, timeliness, reliability, or availability of any third-party data or information.

Users expressly acknowledge and accept that market data may be delayed, incomplete, or inaccurate, that historical data may be revised or corrected retroactively without notice, that real-time data feeds may experience interruptions or failures, and that third-party providers may change their data or discontinue services at any time. Finplify disclaims all liability for any errors, omissions, delays, or inaccuracies in third-party data, as well as for any losses or damages arising from reliance on such data.

7.2 AI-Generated Content and Limitations

The Platform utilizes advanced artificial intelligence and machine learning technologies, including large language models (LLMs) and proprietary algorithms, to generate insights, commentary, analysis, and other content related to financial markets. While Finplify employs state-of-the-art AI technologies and implements quality control measures, users must understand and accept the inherent limitations and risks associated with AI-generated content.

AI systems may produce content that contains factual errors, inconsistencies, or inaccuracies, exhibit biases present in their training data or algorithms, generate plausible-sounding but entirely fabricated information (known as "hallucinations"), misinterpret context or nuance in complex financial situations, fail to account for recent events or information not in their training data, or produce outputs that are inappropriate, misleading, or harmful despite safeguards. Users acknowledge that AI-generated content is provided "as is" without any warranty of accuracy or reliability and should never be relied upon as the sole basis for any investment or financial decision.

7.3 Technical Limitations and Service Interruptions

Users acknowledge and accept that the Platform, as a technology-based service, is subject to various technical limitations and potential points of failure. The Platform may experience bugs, errors, or glitches that affect functionality or data integrity, system crashes or failures requiring emergency maintenance, scheduled or unscheduled service interruptions or outages, performance degradation during periods of high usage, compatibility issues with certain devices, browsers, or operating systems, data corruption, loss, or synchronization errors and security vulnerabilities or breaches despite reasonable precautions.

Finplify does not warrant that the Platform will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Platform or the servers that make it available are free of viruses or other harmful components. Users are advised to implement appropriate safeguards and not to rely exclusively on the Platform for critical or time-sensitive purposes.

8. DISCLAIMERS AND LIMITATIONS OF LIABILITY

8.1 General Disclaimer of Warranties

THE PLATFORM AND ALL SERVICES, CONTENT, FEATURES, AND FUNCTIONALITY PROVIDED THROUGH THE PLATFORM ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. FINPLIFY SPECIFICALLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

FINPLIFY DOES NOT WARRANT THAT THE PLATFORM WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, THAT THE PLATFORM WILL BE AVAILABLE AT ANY PARTICULAR TIME OR LOCATION, THAT THE PLATFORM WILL BE UNINTERRUPTED OR ERROR-FREE, THAT ANY DEFECTS OR ERRORS WILL BE CORRECTED, THAT THE PLATFORM IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY CONTENT, DATA, OR INFORMATION OBTAINED THROUGH THE PLATFORM WILL BE ACCURATE, RELIABLE, TIMELY, OR COMPLETE.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINPLIFY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OR INABILITY TO USE THE PLATFORM, EVEN IF FINPLIFY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL FINPLIFY'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE PLATFORM, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), WARRANTY, OR OTHERWISE, EXCEED THE AMOUNT PAID BY YOU, IF ANY, FOR ACCESSING OR USING THE PLATFORM DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE DATE OF THE CLAIM OR ONE THOUSAND SWISS FRANCS (CHF 1,000), WHICHEVER IS LESS.

8.3 Investment Risk Disclaimer

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT ALL INVESTMENT AND TRADING DECISIONS ARE YOUR SOLE RESPONSIBILITY AND THAT FINPLIFY SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR COSTS ARISING FROM YOUR INVESTMENT DECISIONS OR TRADING ACTIVITIES. THE FINANCIAL MARKETS INVOLVE SUBSTANTIAL RISK, AND PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. YOU MAY LOSE ALL OR MORE THAN YOUR INITIAL INVESTMENT. THE PLATFORM IS NOT INTENDED TO PROVIDE INVESTMENT ADVICE, AND NOTHING ON THE PLATFORM SHOULD BE CONSTRUED AS A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR INVESTMENT PRODUCT.

9. INDEMNIFICATION

9.1 User Indemnification Obligations

You agree to defend, indemnify, and hold harmless Finplify LTD, its affiliates, subsidiaries, officers, directors, employees, agents, partners, licensors, and suppliers (collectively, the "Indemnified Parties") from and against any and all claims, actions, proceedings, investigations, liabilities, damages, losses, costs and expenses arising out of or relating to your access to or use of the Platform, your violation of these Terms or any applicable law or regulation, your violation of any rights of any third party, including but not limited to intellectual property rights or privacy rights, any User Content you submit, post, or transmit through the Platform, your negligence or willful misconduct, or any other party's access and use of the Platform with your unique username, password, or other appropriate security code.

9.2 Indemnification Procedures

Finplify reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will cooperate fully with Finplify in asserting any available defenses. You agree not to settle any matter subject to indemnification without the prior written consent of Finplify. Your indemnification obligations under this section shall survive any termination or expiration of these Terms or your use of the Platform.

10. GOVERNING LAW AND DISPUTE RESOLUTION

10.1 Governing Law

These Terms and any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Platform (collectively, "Disputes"), shall be governed by and construed in accordance with the laws of Switzerland, specifically the Swiss Code of Obligations and other applicable Swiss federal laws, without regard to conflict of law principles that would result in the application of any law other than Swiss law.

10.2 Jurisdiction and Venue

Any legal action or proceeding arising out of or relating to these Terms or your use of the Platform shall be instituted exclusively in the competent courts of Geneva, Switzerland, and you expressly submit to the jurisdiction of such courts and waive any objection to venue or inconvenient forum. Notwithstanding the foregoing, Finplify may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights or confidential information.

10.3 Waiver of Jury Trial and Class Actions

TO THE EXTENT PERMITTED BY APPLICABLE LAW, YOU HEREBY WAIVE YOUR RIGHT TO A JURY TRIAL AND YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE ACTION. YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

11. TERM AND TERMINATION

11.1 Term

These Terms commence on the date you first access or use the Platform and continue in effect until terminated in accordance with the provisions herein. The term of any subscription shall be as specified at the time of purchase and shall automatically renew for successive periods of the same duration unless cancelled by you or terminated by Finplify.

11.2 Termination by User

You may terminate your account and cease using the Platform at any time by following the account closure process in your account settings or by contacting Finplify support. Termination of your account does not relieve you of any obligations to pay any outstanding fees or charges accrued prior to termination. Upon termination, your right to access and use the Platform will cease, and Finplify may delete your account and any associated data in accordance with its data retention policies.

11.3 Termination by Finplify

Finplify may terminate or suspend your account and access to the Platform immediately, without prior notice or liability, for any reason whatsoever, including but not limited to breach or suspected breach of these Terms, fraudulent, abusive, or illegal activity, extended periods of inactivity, request by law enforcement or government agencies, discontinuation or material modification of the Platform, technical or security issues, failure to pay any fees or charges when due, or upon Finplify's reasonable belief that continued provision of services to you presents a risk to Finplify, other users, or third parties.

11.4 Effects of Termination

Upon termination of these Terms or your access to the Platform, all licenses and rights granted to you under these Terms will immediately terminate, you must cease all use of the Platform and any provisions of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification obligations, and dispute resolution provisions. Finplify shall have no obligation to maintain or provide any data or content following termination and may delete all such data and content without liability.

11.5 Effects of Termination on Payments and Data

Upon termination or cancellation, all accrued but unpaid fees become immediately due and payable. You remain liable for all charges incurred up to the termination date, including any applicable early termination fees if specified in your subscription agreement. No refunds will be provided for prepaid subscription periods, unused features, or unused credits.

Following termination, Finplify will retain your account data for a period of one hundred eighty (180) days ("Data Retention Period"), subject to payment of any outstanding amounts owed. After the Data Retention Period, Finplify may permanently delete all your data without further notice, except for data required to be retained for legal, tax, or regulatory compliance purposes. You acknowledge that it is your responsibility to export any desired data before termination or within the Data Retention Period.

Financial records, transaction history, and billing information will be retained for ten (10) years in accordance with Swiss commercial law requirements. This retained information will be used solely for legal compliance, audit purposes, and resolution of any disputes that may arise post-termination.

12. PRIVACY AND DATA PROTECTION

12.1 Privacy Policy

Your use of the Platform is subject to Finplify's Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how Finplify collects, uses, shares and protects your personal information. By using the Platform, you consent to the collection and use of your information as described in the Privacy Policy, including the transfer of your information to Switzerland and other countries where Finplify or its service providers operate.

12.2 Data Processing and Consent

You acknowledge and agree that Finplify may collect, process, store and analyze various types of data related to your use of the Platform, including but not limited to personal information, usage data, technical data and behavioral data. This data may be used for purposes including but not limited to providing and improving the Services, personalizing your experience, conducting research and analytics, marketing and promotional purposes (where permitted), compliance with legal obligations, and protection of Finplify's rights and interests.

12.3 International Data Transfers

You acknowledge that Finplify operates globally and that your information may be transferred to, stored in and processed in countries other than your country of residence. These countries may have data protection laws that are different from those in your country. By using the Platform, you consent to the transfer of your information to countries outside of your country of residence, including to Switzerland and other countries where Finplify or its service providers maintain facilities.

13. MISCELLANEOUS PROVISIONS

13.1 Entire Agreement

These Terms, together with the Disclaimers, Privacy Policy, Cookie Policy and any other legal notices or agreements published by Finplify on the Platform, constitute the entire agreement between you and Finplify concerning your use of the Platform and supersede all prior or contemporaneous agreements, understandings, negotiations and discussions, whether oral or written, between the parties with respect to the subject matter hereof.

13.2 Severability

If any provision of these Terms is held by a court of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of these Terms will continue in full force and effect. The invalidity or unenforceability of any provision in any jurisdiction shall not affect the validity or enforceability of such provision in any other jurisdiction.

13.3 Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Finplify to assert a right or provision under these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Finplify to be effective.

13.4 Assignment

You may not assign, transfer, or delegate any of your rights or obligations under these Terms without the prior written consent of Finplify. Any attempted assignment, transfer, or delegation without such consent shall be null and void. Finplify may freely assign, transfer, or delegate its rights and obligations under these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.

13.5 Force Majeure

Neither party shall be liable for any failure or delay in performing its obligations under these Terms if such failure or delay results from circumstances beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, earthquakes, accidents, strikes, or labor shortages, provided that such party promptly notifies the other party and uses its best efforts to remedy the situation.

13.6 Notices

Unless otherwise specified in these Terms, all notices, permissions, and approvals hereunder must be in writing and will be deemed to have been properly given: (a) upon receipt, if delivered personally; (b) upon confirmation of receipt, if delivered by certified mail, return receipt requested; (c) upon receipt, if delivered by nationally recognized overnight delivery service; or (d) upon receipt, if sent by email with confirmation of delivery. Notices to Finplify should be sent to: Finplify LTD, Geneva, Switzerland, Email: contact@finplify.com

13.7 Relationship of the Parties

Nothing in these Terms creates any partnership, joint venture, employment, or agency relationship between you and Finplify. You have no authority to bind Finplify in any manner whatsoever. These Terms are for the sole benefit of Finplify and you and are not intended to confer any third-party beneficiary rights upon any other person or entity.

13.8 Electronic Communications and Signatures

You consent to receive communications from Finplify electronically, and you agree that all agreements, notices, disclosures and other communications that Finplify provides to you electronically satisfy any legal requirement that such communications be in writing. You agree that your electronic acceptance of these Terms has the same force and effect as a manual signature.

13.9 Interpretation

The section and paragraph headings in these Terms are for convenience only and shall not affect the interpretation of these Terms. The words "include," "includes," and "including" shall be deemed to be followed by the phrase "without limitation." Any ambiguities in the interpretation of these Terms shall not be construed against the drafting party.

13.10 Language

These Terms are prepared and provided in English. To the extent any translated version of these Terms conflicts with the English version, the English version shall prevail. All communications and notices under these Terms must be in English.

14. CONTACT INFORMATION

For questions, concerns, or comments regarding these Terms or the Platform, please contact us at:

Finplify LTD

Geneva, Switzerland

Email: contact@finplify.com

Website: www.finplify.com

Entry in the commercial register: 04.01.2024

Legal form: Company limited by shares (AG)

Legal headquarters of the company: Bernex

Commercial Registry Office: GE

Commercial register number: CH-660.7.751.023-4

UID/VAT: CHE-230.898.850

BY USING THE PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS IN THEIR ENTIRETY, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM. IF YOU DO NOT AGREE TO THESE TERMS, YOU ARE NOT AUTHORIZED TO USE THE PLATFORM.