Terms of Service
Last Updated: June 27, 2025
Agreement to Terms
By accessing or using the Finovian platform (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, you may not access the Service.
Description of Service
Finovian provides financial analysis, market data, and educational content related to US stock markets. Our services include:
- Stock analysis and research reports
- Market data and financial metrics
- Educational content and investment guides
- Portfolio tracking and analysis tools
- News and market insights
User Accounts
Account Creation
- You must provide accurate and complete information
- You are responsible for maintaining account security
- You must be at least 18 years old to create an account
- One person may not maintain multiple accounts
Account Security
- Keep your login credentials confidential
- Notify us immediately of any unauthorized access
- You are responsible for all activities under your account
- We may suspend accounts that violate these terms
Acceptable Use
Permitted Uses
You may use our Service for:
- Personal investment research and education
- Legitimate financial analysis and planning
- Accessing content for which you have proper authorization
- Sharing content with proper attribution (where allowed)
Prohibited Uses
You may not:
- Use the Service for illegal or fraudulent activities
- Attempt to gain unauthorized access to our systems
- Copy, distribute, or sell our proprietary content
- Use automated systems to access our data excessively
- Harass other users or our staff
- Distribute malware or harmful code
Intellectual Property
Our Content
All content on our platform is protected by copyright, trademark, and other intellectual property laws. This includes:
- Research reports and analysis
- Proprietary data and metrics
- Software and algorithms
- Design elements and branding
User Content
When you submit content to our platform, you:
- Retain ownership of your original content
- Grant us a license to use, display, and distribute your content
- Represent that you have the right to share the content
- Agree that your content does not violate any laws or rights
Subscription and Payment Terms
Subscription Plans
- Different service levels may have different features
- Subscription fees are billed in advance
- Plans automatically renew unless cancelled
- We may change pricing with 30 days notice
Payment Processing
- All payments are processed securely through third-party providers
- You authorize us to charge your payment method
- Refunds are provided according to our refund policy
- Failed payments may result in service suspension
Cancellation
- You may cancel your subscription at any time
- Cancellation takes effect at the end of the current billing period
- No refunds for partial periods unless required by law
- You retain access to content until subscription expires
Data Privacy and Security
Information Collection
We collect information as described in our Privacy Policy, including:
- Account registration data
- Usage patterns and preferences
- Payment and billing information
- Communications with our support team
Data Security
We implement appropriate security measures to protect your data, but:
- No system is completely secure
- You use the Service at your own risk
- We are not liable for data breaches beyond our control
- You should maintain your own data backups
Service Availability
Uptime and Maintenance
- We strive for high availability but cannot guarantee 100% uptime
- Scheduled maintenance will be announced in advance when possible
- Emergency maintenance may occur without notice
- We are not liable for temporary service interruptions
Service Changes
We reserve the right to:
- Modify or discontinue features with reasonable notice
- Update our terms of service as needed
- Change pricing or subscription plans
- Suspend accounts that violate our terms
Disclaimers and Limitations
Investment Disclaimer
- We do not provide personalized investment advice
- All content is for educational purposes only
- Past performance does not guarantee future results
- You should consult qualified financial professionals
Limitation of Liability
To the maximum extent permitted by law:
- We disclaim all warranties, express or implied
- Our liability is limited to the amount you paid for the Service
- We are not liable for indirect, incidental, or consequential damages
- Some jurisdictions may not allow these limitations
Dispute Resolution
Governing Law
These Terms are governed by the laws of New York State, without regard to conflict of law principles.
Dispute Process
Before filing any legal action:
- Contact our support team to resolve the issue
- Allow 30 days for us to address your concern
- Consider mediation or arbitration if needed
- Legal action must be filed within one year of the dispute
Termination
Termination by You
- You may terminate your account at any time
- Termination does not excuse payment obligations
- Some provisions survive termination (e.g., intellectual property)
Termination by Us
We may terminate your account if you:
- Violate these Terms of Service
- Engage in fraudulent or illegal activity
- Fail to pay subscription fees
- Abuse or threaten our staff or other users
Contact Information
For questions about these Terms of Service:
- Email: legal@finovian.com
- Address: 123 Wall Street, Suite 4567, New York, NY 10005
- Phone: +1 (555) 123-4567
Changes to Terms
We may update these Terms of Service from time to time. When we do:
- We will post the updated terms on our website
- We will notify active users of material changes
- Continued use constitutes acceptance of new terms
- You should review terms periodically
These terms constitute the entire agreement between you and Finovian regarding use of our Service. If any provision is found unenforceable, the remaining provisions remain in full force and effect.