Terms of Service

#Acceptance

By creating an account or using the services you accept these terms and our Privacy Policy. If you use the services on behalf of an organization you represent that you have authority to bind that organization, and “you” includes the organization.

#Eligibility

• You must be at least eighteen years old, or the age of majority in your jurisdiction if higher.
• You must provide accurate account information and keep it updated.
• You must comply with all applicable laws, including financial and data protection laws in your country.

#Educational Use and No Advice

Finaur provides educational content and analytics. We do not provide investment advice, brokerage services, execution services, or personalized recommendations. Any models, strategies, scores, or insights are for education and research. You are responsible for your decisions and for all outcomes of your actions.

Do not place trades based solely on the services. Past performance does not guarantee future results. Markets involve risk, including loss of principal.

#Accounts

• You are responsible for safeguarding your credentials and for all activity on your account.
• We may suspend or disable an account for suspected breach of these terms, abuse, fraud, or security risk.
• We may update features or interfaces. We will not materially reduce core paid features during a paid term without notice.

#Subscriptions and Billing

• Paid plans bill through Stripe. Taxes may apply. Prices may change on renewal with prior notice.
• Plans renew automatically until you cancel in the customer portal or by contacting support before the renewal date.
• Trials and promotional periods convert to paid unless you cancel before the end of the trial.
• Refunds are not provided except where required by law. If EU consumer laws apply and you request immediate access to digital content, you may waive withdrawal rights for delivered periods.
• Feature access is controlled by entitlements tied to your active subscription.

#Content and Intellectual Property

• All site materials including templates, backtests, reports, scores, graphics, and trademarks are owned by Finaur or its licensors.
• We grant you a limited, non exclusive, non transferable, revocable license to use the services for personal or internal business education during your active subscription.
• You retain rights in the data you upload. You grant us a license to process that data only to operate the services and to create aggregated or de identified analytics.

#Acceptable Use

• No unauthorized scraping, reverse engineering, automated account creation, or abuse of rate limits.
• No sharing of paid content outside your organization. No resale or sub licensing without written permission.
• No upload of harmful, illegal, or infringing content. No attempt to bypass security or access another user’s data.

#Strategy Lab and Insights

• Backtests are simulations. They depend on data quality, assumptions, costs, and slippage models. They may differ from live results.
• Paper trading simulators and Discipline Score outputs are educational analytics. They are not execution systems or advice.
• Transparency archives present previously published materials for accountability. Publication does not imply accuracy for all use cases.

#Third Party Services

The services integrate with third parties such as Stripe, Supabase, PostHog, and Cloudflare. Your use of those services may be subject to their terms. We are not responsible for third party content or practices.

#Disclaimers

The services are provided “as is” and “as available”. To the extent permitted by law we disclaim all warranties, including merchantability, fitness for a particular purpose, and non infringement.

#Limitation of Liability

To the maximum extent allowed by law, Finaur and its affiliates will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, or trading losses, even if advised of the possibility of such damages. Our total liability for any claim relating to the services will not exceed the amount you paid to Finaur for the service during the twelve months before the event giving rise to the claim. Some jurisdictions do not allow certain limitations, so parts of this section may not apply.

#Indemnity

You agree to defend and indemnify Finaur from claims arising out of your use of the services, your content, or your breach of these terms, except where a claim is caused by our willful misconduct or gross negligence.

#Termination

• You may stop using the services at any time. Cancel renewals in the customer portal to avoid future charges.
• We may suspend or terminate access if you breach these terms, create risk or possible legal exposure, or fail to pay fees.
• Upon termination your license ends and your access to paid features stops. We may keep records as required by law.

#Governing Law and Disputes

These terms are governed by the laws of Spain without regard to conflict of law rules. Courts located in Spain will have exclusive jurisdiction, unless mandatory consumer protections in your country require otherwise. Nothing prevents either party from seeking urgent injunctive relief.

#Changes to Terms

We may update these terms to reflect operational or legal changes. We will post the new version with the date above and, for material updates, we will provide notice in app or by email. Continued use after the effective date means you accept the updated terms.

#Contact