Terms of Service

1. Agreement, Acceptance & Eligibility

These Terms of Service ("Terms") are a binding legal agreement between you and Finisdom Technologies Ltd ("Finisdom", "we", "us", "our"), the operator of the Finisdom web application and related services (together, the "Service"). By creating an account, purchasing access, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.

You must be at least 18 years old and have the full legal capacity to enter into a binding contract in your jurisdiction. By using the Service you represent and warrant that you meet these requirements, that the information you provide to us is accurate, and that your use of the Service does not violate any law or regulation that applies to you.

The Service is intended for individual personal use. You may hold one account per person. You are responsible for everything that happens under your account. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization, in which case "you" refers to both you and that organization.

2. The Service & Beta Status

Finisdom is a multi-asset portfolio risk, analysis, and monitoring tool covering equities, ETFs, crypto, foreign exchange, commodities, and indices. It includes features such as backtesting, portfolio optimization (efficient frontier and related techniques), crash and scenario stress tests, alerts, a decision journal, and an advisor client book. These are informational and analytical tools only.

The Service is currently offered as a paid beta. This means it is a work in progress: features may be added, changed, limited, suspended, or removed at any time; the Service may contain bugs, errors, or inaccuracies; calculations and outputs may be incomplete or revised; and the Service may be unavailable from time to time due to maintenance, technical issues, or factors beyond our control.

The Service is provided on an "as is" and "as available" basis. We do not guarantee any particular level of uptime, availability, performance, accuracy, or continuity, and we do not guarantee that the Service, or any feature of it, will continue to be offered. You should not rely on the Service as your sole source of information for any decision.

3. Not Investment Advice

Finisdom is an analysis and monitoring tool. It is not an investment adviser, broker, dealer, financial planner, or any other kind of licensed financial professional, and it does not hold itself out as one. Nothing on or produced by the Service is, or should be construed as, personalized investment, legal, tax, accounting, or financial advice, a recommendation, a solicitation, or an offer to buy, sell, or hold any security or other financial instrument.

All outputs of the Service — including scores, signals, analytics, backtests, optimizations, stress tests, alerts, and illustrations — are general, automated, and informational. They are not tailored to your individual financial situation, objectives, risk tolerance, or needs. The Service never executes, places, routes, or recommends specific trades or orders, and it does not custody, manage, or have access to your money or assets.

Using the Service does not create any advisory, brokerage, fiduciary, agency, or other professional relationship between you and Finisdom. You should consult a licensed and qualified financial, legal, or tax professional before making any financial decision.

Investing involves substantial risk, including the possible loss of some or all of your principal. Markets are volatile and unpredictable. You are solely and entirely responsible for evaluating the information available to you and for any decision you make and any action you take. Any reliance you place on the Service is strictly at your own risk.

4. Market Data & Backtests

The Service relies on data from third-party and public sources, which may include (without limitation) FRED, SEC EDGAR, CFTC, CoinGecko, Finnhub, and others. We do not create, own, or independently verify this data. It may be delayed, incomplete, inaccurate, out of date, or unavailable, and providers may change or discontinue it at any time. We make no warranty as to the accuracy, timeliness, completeness, or fitness of any data.

Market data and any content derived from it are provided for your personal, informational use only. You may not redistribute, republish, resell, sublicense, or otherwise make available any data or content from the Service to any third party, and you must comply with any restrictions imposed by the underlying data providers.

All performance figures presented by the Service are hypothetical, simulated, or backtested. Hypothetical and backtested results have inherent limitations: they are prepared with the benefit of hindsight, do not represent actual trading, do not account for all real-world costs, fees, taxes, slippage, or liquidity constraints, and may overstate achievable results. Past performance and simulated performance are not indicative of, and do not guarantee, future results.

5. Your Account & Security

To access certain features you must create an account and provide accurate, complete, and current information. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account, whether or not authorized by you.

You agree to use a strong, unique password and not to share your credentials or let anyone else use your account. You must notify us promptly at tonyyazdan@gmail.com if you suspect any unauthorized access to or use of your account or any other breach of security.

We are not liable for any loss or damage arising from your failure to safeguard your account or credentials. We may take any action we consider reasonably necessary to protect the security and integrity of the Service, including suspending access to an account that appears to be compromised.

6. Acceptable Use & Prohibited Conduct

You agree to use the Service only for lawful purposes and in accordance with these Terms. You are responsible for ensuring that your use complies with all laws and regulations that apply to you.

You must not, and must not attempt to or permit others to: scrape, crawl, harvest, or use automated means to access or extract data from the Service except as we expressly permit; reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying ideas of the Service; copy, resell, rent, lease, sublicense, redistribute, or commercially exploit the Service or its data or content; circumvent, disable, or interfere with any security, access-control, or rate-limiting feature; introduce malware or otherwise disrupt, overload, or impair the Service or its infrastructure; or use the Service to violate any law or to infringe or misappropriate the intellectual property, privacy, or other rights of any person.

You must not upload, submit, or input any data that you do not have the right to use, including personal data about other people that you are not authorized to provide, and you are solely responsible for the content and data you submit to the Service.

7. Payments, Founding Purchase & Refunds

Access to the Service may be sold as a one-time "founding member" purchase for a fee of USD 100 (the "Founding Fee"), or at such other price as we publish from time to time. The Founding Fee is a single payment, not a subscription, and is payable through our third-party payment processor.

"Lifetime" access means access for as long as Finisdom continues to operate the Service in its sole discretion. It does not mean perpetual, guaranteed, or irrevocable access, and it does not survive discontinuation of the Service or termination of your account for breach. Founding access is personal to you and is non-transferable; it may not be sold, assigned, or shared.

You may request a full refund of the Founding Fee within 14 days of first obtaining access by emailing tonyyazdan@gmail.com. After that 14-day period, the Founding Fee is non-refundable to the fullest extent permitted by applicable law, except where a non-waivable consumer right requires otherwise.

All fees are stated exclusive of taxes. You are responsible for any sales, use, value-added, withholding, or similar taxes or duties imposed on your purchase, other than taxes based on our net income. If any tax authority requires us to collect tax, we may add it to the amount you owe.

8. Intellectual Property

The Service, including its software, design, user interface, analytics, models, text, graphics, the Finisdom name and brand, and all related intellectual property, is owned by or licensed to Finisdom Technologies Ltd and is protected by intellectual property and other laws. Except for the limited rights expressly granted to you, we reserve all rights, title, and interest in and to the Service.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Service for your own internal, non-commercial purposes during the period your access is active. This license terminates automatically if you breach these Terms or if your access ends.

You retain ownership of the data and content you submit to the Service ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free license to host, store, process, reproduce, and display Your Content solely as necessary to operate, maintain, secure, and improve the Service and to provide it to you. You represent that you have all rights necessary to grant this license.

9. Third-Party Services

The Service integrates with and depends on third parties, including data providers, cloud hosting and infrastructure providers, and payment processors. Your use of those third-party services may be subject to their own terms and privacy policies, and you are responsible for reviewing and complying with them.

We do not control and are not responsible for the acts, omissions, content, accuracy, availability, security, or practices of any third party. Any links or references to third-party sites or resources are provided for convenience only and do not imply our endorsement.

If a third-party provider changes, limits, suspends, or discontinues its service, this may affect the Service, and we are not liable for any resulting disruption, error, or loss.

10. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service and all data, content, and outputs are provided "as is" and "as available", with all faults and without warranty of any kind, whether express, implied, statutory, or otherwise.

We expressly disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, availability, and any warranties arising out of course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, timely, error-free, or free of harmful components, or that any data, output, or result will be accurate, complete, or reliable.

No advice or information, whether oral or written, obtained from us or through the Service, creates any warranty not expressly stated in these Terms. Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

11. Limitation of Liability

To the maximum extent permitted by applicable law, in no event will Finisdom Technologies Ltd, or its owners, directors, employees, agents, suppliers, or licensors, be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business, or for any trading, investment, or financial losses, whether or not foreseeable and regardless of the theory of liability, even if we have been advised of the possibility of such damages.

To the maximum extent permitted by applicable law, our total aggregate liability arising out of or relating to the Service or these Terms, for all claims combined, will not exceed the greater of (a) the total amount you actually paid us for the Service in the 12 months immediately preceding the event giving rise to the claim, or (b) USD 100.

These limitations apply to all claims, whether based in contract, tort (including negligence), strict liability, statute, or otherwise. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you; in that case our liability is limited to the smallest extent permitted by law. You acknowledge that these limitations are an essential basis of the bargain between you and us.

12. Indemnification

You agree to defend, indemnify, and hold harmless Finisdom Technologies Ltd and its owners, directors, employees, agents, suppliers, and licensors from and against any and all claims, demands, actions, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: your use of or access to the Service; Your Content or any data you submit; your violation of these Terms or of any law or third-party right; or any decision you make or action you take in reliance on the Service.

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 which case you agree to cooperate with our defense of that matter. You may not settle any claim in a way that imposes any obligation or admission on us without our prior written consent.

13. Assumption of Risk

You understand and accept that all financial decisions you make are your own and that you bear full responsibility and risk for them. Trading and investing in securities, crypto assets, foreign exchange, commodities, and other instruments involves significant risk, including the risk of losing some or all of your capital, and is not suitable for everyone.

You acknowledge that the Service provides information and tools only, that its outputs may be wrong or incomplete, and that markets behave in ways that no model or backtest can reliably predict. You agree that you will not hold Finisdom responsible or liable for any losses, damages, or adverse outcomes resulting from your use of the Service or any financial decision you make, and you knowingly assume all such risk.

14. Termination

You may stop using the Service at any time. Because access may be sold as a one-time purchase, ceasing to use the Service does not by itself entitle you to a refund except as set out in Section 7.

We may suspend, restrict, or terminate your access to the Service, in whole or in part, at any time and without liability, if we reasonably believe you have breached these Terms, if required by law, to protect the Service or other users, or if we discontinue the Service. Where practicable and lawful, we will try to give you notice, but we are not obligated to do so where the breach is serious or where notice is impractical.

Upon termination, your license to use the Service ends immediately. Sections that by their nature should survive termination — including those on intellectual property, disclaimers, limitation of liability, indemnification, assumption of risk, governing law, and miscellaneous matters — will survive.

15. Changes to the Terms & the Service

We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page and, for material changes, take reasonable steps to bring them to your attention. The updated Terms take effect when posted unless we state otherwise.

Your continued use of the Service after updated Terms take effect constitutes your acceptance of them. If you do not agree to the updated Terms, you must stop using the Service.

We may also modify, suspend, or discontinue the Service or any feature of it at any time, with or without notice, and without liability to you, subject to applicable law.

16. Governing Law & Disputes

These Terms and any dispute or claim arising out of or in connection with them, the Service, or their subject matter (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of the United Arab Emirates, without regard to conflict-of-law principles.

Subject to the arbitration option below, the courts of Dubai, United Arab Emirates have exclusive jurisdiction to settle any such dispute or claim, and you irrevocably submit to that jurisdiction.

At our option, any dispute, controversy, or claim arising out of or relating to these Terms or the Service may instead be finally resolved by binding arbitration administered by the Dubai International Arbitration Centre (DIAC) in accordance with its rules then in force. The seat of arbitration will be Dubai, UAE, the language will be English, and judgment on the award may be entered in any court of competent jurisdiction.

To the fullest extent permitted by applicable law, you and we each agree that disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. You waive any right to participate in such proceedings to the extent permitted by law.

17. Miscellaneous

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision is not a waiver of that or any other right or provision, and any waiver must be in writing to be effective.

These Terms, together with our Privacy Policy and any other terms we expressly incorporate by reference, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings on that subject. You may not assign or transfer these Terms or your account without our prior written consent; we may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets.

We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, internet or utility failures, or failures of third-party providers ("force majeure").

Questions about these Terms can be sent to Finisdom Technologies Ltd at tonyyazdan@gmail.com.