When subscribing to our Online Services, you will be required to provide us with your name, email address, and credit card information, as well as other information we may request either at time of your subscription or from time to time (“User Content”). You agree to pay the subscription fee of $X per month. Sales taxes may be charged in addition to the subscription fee. BY PLACING YOUR ORDER, YOU PROVIDE YOUR ELECTRONIC AUTHORIZATION FOR THE INITIAL MONTH CHARGE AND FUTURE MONTH CHARGES EQUAL TO $x PER MONTH AGAINST YOUR CREDIT CARD ON FILE UNLESS YOU CANCEL. You may cancel at any time. Cancellation will take effect as of the first day of the next billing period. You will not receive a refund for notifying FINQ of cancellation during any month for which you have already paid a subscription fee.
You also agree to maintain and update your User Content as necessary so that it remains accurate and current. In the event that any User Content you provide is inaccurate or not up to date, FINQ reserves the right to cancel your subscription. We reserve the right to refuse or discontinue supplying an Online Service to any User at any time at our sole discretion.
Use of Technology
When a location-based service is enabled on your device, FINQ may use information about your location that is received from GPS signals, nearby wi-fi access points and cellular antennas, whether the app is active or not. You can disable location-based services through your device's operating system. Once such service has been disabled, FINQ will no longer receive information regarding your location.
Use of Content on the Site
Educational Use Only
FINQ does not attempt to obtain all the relevant facts about you and your individual needs, and FINQ does not and cannot claim or represent that any particular Online Services are suitable for you. Accordingly, you agree that any information provided through the Online Service does not constitute a recommendation that a particular security, strategy, or action is suitable for you. If you want personal advice, then you acknowledge that you should seek a registered investment advisor.
You acknowledge and agree that the content on the Online Services is solely for general, informational purposes. You further acknowledge and agree that the content on the Online Services is provided for educational purposes only and is not intended to provide legal, tax, investment advice or financial planning advice. No Content may not be construed as an offer or recommendation to buy or sell securities. In using the Online Services, you acknowledge and agree that you are responsible for your own investment research and decisions, that you will not rely on the Online Services as the primary basis for your investment decisions, and, except as otherwise provided herein, FINQ will not be liable for any actions you take based on information you receive.
While using the Online Services, links to external pages provided by third parties may appear in the form of advertisements, banners, web links and similar content (“Third-Party Content”). FINQ provides these links as a convenience, and we are not responsible for the Third-Party Content, products or Online Services or resources or links displayed on our website. If, or when, you link to other websites or Online Services, you will be subject to the third-party’s terms and conditions and policies. You acknowledge and agree that you are solely liable for the risks associated with your access to the Third-Party Content or resources.
Consents to Contact You and Consent to Use Features of Online Services
User Contact. You expressly consent to be contacted by FINQ, and its affiliates or authorized agents for any purpose, at a telephone number or mailing or electronic address you provide. You also consent to receive push notifications related to important updates, account activity or transactions, to receive products or Service offers and targeted offers. We may encrypt communications that we send to you. You may disable or block the notification service by toggling the operating system settings on your device. You agree that FINQ, its affiliates, or agents can contact you in any manner, including pre-recorded artificial voice or automatic telephone dialing system. You agree that all consents provided in this Section will survive cancellation of our Online Services. We may also store your communications with us. You can revoke your consent by contacting us at email@example.com
Camera and Photo Gallery. You agree that you must consent to use your camera to upload documents to our Online Services as required by us or requested by you. In addition, you understand and acknowledge that express consent is required if you choose to select files from your devices, pictures, or photos, from the photo gallery on your devices to upload to our Online Services.
Permissible and Impermissible Use of the Online Services
The internet provides infinite and diverse information and services but also entails enormous risks. Therefore, it is important to maintain basic rules for safe surfing and ensure your personal equipment and devices accessing the Online Services are kept updated. For these reasons you agree to:
use antivirus software on your computer, and routinely update it.
use anti-spyware software for detecting spyware on your computer, and update routinely.
use the Personal Firewall software on your personal computer.
use new browser versions, Internet Explorer 8, Mozilla Firefox 3.5, Safari 3.2, Opera 9.5, Google Chrome, and any more advanced version of these browsers.
update the operating system, browser and other off-the-shelf software with information security fixes as issued from time to time.
create and use a username and password at login.
continually change your default username and password on your wireless router and consider securing your wireless router with wireless encryption protocol (e.g., WPA).
change the setting so that temporary files be automatically deleted when the browser is closed.
You agree not to:
bypass or circumvent measures we may use to prevent, interfere, or limit access to the Online Service or FINQ’s business operations.
use the Online Service to send altered, deceptive, or false source-identifying information;
use the Online Service to intercept, collect or store personal information about other users.
spam other users or take other actions that may affect the operation or enjoyment of the Online Services by other users.
access, monitor or copy any content or information on the Online Service using any robot, spider, scraper or other automated means or any manual process.
decompile, disassemble, or reverse engineer any of the software or content used in any part of the Online Services.
engage in activities (e.g., Emule) that can result in you sending a virus or use any malicious programs or techniques in connection with the Site.
infringe the copyrights or intellectual property rights of others.
Security. Some parts of the Online Services may require a username, account name or password. If you use these features, you agree to keep this information confidential and secure. You agree to accept responsibility for all activities that occur under your username, account, or password, and to notify us immediately if the confidentiality of your username, account or password is compromised. We will not be liable for any loss that you may incur as a result of someone else using your account or password. To protect the security of the Online Service and your account, we may terminate or suspend your account, change your username or password, request additional information before we authorize transactions on your account, or take other reasonable actions.
Access to the Online Services
We may terminate your access to and use of the Online Services, for any reason or no reason, in our sole discretion, at any time and without prior notice to you. You may also cancel your Account at any time by sending e-mail to Hello@finqai.com. Upon any termination, discontinuation, or cancellation of Online Services or your Account, the following provisions will survive, Warranty Disclaimers, Indemnity, Limitations of Liability, and any other provisions which by their sense and context are intended to survive.
All products, Online Services, and content on the website are provided “as is” without warranty of any kind, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, or accuracy. FINQ specifically disclaims any duty to update the information on the Online Services and it is your responsibility to evaluate the accuracy, reliability, timeliness, and completeness of any information available on the Online Services. FINQ does not guarantee that the Online Services will operate error-free or that the platform, its servers, or the content are free of computer viruses or similar contamination or destructive features. If you choose to use the Platform, or rely on the information presented on it, you do so solely at your own risk.
Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you.
Limitation of Liability
ANY USE OF THE ONLINE SERVICES ARE DONE AT YOUR OWN RISK. YOU ARE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR COMPUTER SYSTEM OR OTHER EQUIPMENT, OR LOSS OF DATA THAT RESULTS FROM SUCH DOWNLOAD.
NEITHER FINQ NOR ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS WILL BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, REVENUE, INCOME, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, OR DAMAGES CAUSED BY THEFT, UNAUTHORIZED ACCESS, SYSTEMS FAILURE, OR COMMUNICATIONS LINE FAILURE, OR THE COST OF PROCURING SUBSTITUTE GOODS OR ONLINE SERVICES, CAUSED BY THE USE OF OR INABILITY TO USE THE SITE, MATERIALS OR ANY PRODUCTS OR ONLINE SERVICES PROVIDED HEREIN, OR ANY OTHER MATTER RELATING TO THIS SITE, EVEN IF FINQ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE EXCLUSIONS OR LIMITATIONS MAY NOT APPLY TO YOU. TO THE EXTENT THAT A JURISDICTION DOES NOT PERMIT THE EXCLUSION OR LIMITATION OF LIABILITY AS SET FORTH HEREIN, THE LIABILITY OF FINQ AND ITS AFFILIATES, SUBSIDIARIES, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, AND ANY THIRD-PARTY INFORMATION PROVIDERS AND VENDORS IS LIMITED TO THE EXTENT PERMITTED BY LAW IN SUCH JURISDICTIONS.
Indemnification and Hold Harmless
Choice of Law
Waiver and Severability