Terms of Service

Last updated: March 26, 2026

1. Acceptance of Terms

By accessing or using the Finvaulta platform and website at finvaulta.com (the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, do not access or use the Service. These Terms constitute a legally binding agreement between you and Finvaulta Inc. (“Finvaulta”, “we”, “our”, or “us”).

2. Description of Service

Finvaulta provides a subscription-based research platform that aggregates, indexes, and provides AI-assisted analysis of investment research reports from major financial institutions. The Service includes search, summarisation, watchlist management, shareable links, and related features (collectively, the “Service”).

3. Accounts and Registration

To access certain features of the Service, you must register for an account. You agree to:

  • Provide accurate, current, and complete information during registration
  • Maintain the security of your password and account credentials
  • Promptly notify us of any unauthorised use of your account
  • Accept responsibility for all activities that occur under your account

You must be at least 18 years old to create an account. Accounts are for individual use only and may not be shared.

4. Subscriptions and Billing

Access to the Service requires a paid subscription. By subscribing, you agree that:

  • Subscription fees are charged in advance on a monthly or annual basis as selected.
  • All fees are non-refundable except as required by applicable law or as expressly stated herein.
  • We may change subscription pricing with 30 days' notice. Continued use after the effective date constitutes acceptance of the new pricing.
  • You authorise us to charge your payment method on file for all applicable fees.
  • Failure to pay may result in suspension or termination of your account.

5. Permitted Use

You may use the Service solely for your own internal, non-commercial research purposes. You agree not to:

  • Reproduce, distribute, or publicly display content from the Service without our written consent
  • Use automated tools, bots, or scrapers to extract data from the Service
  • Reverse engineer, decompile, or attempt to derive source code from the Service
  • Use the Service for any unlawful purpose or in violation of any applicable regulations
  • Share your account credentials or shareable links in a manner that circumvents subscription requirements
  • Interfere with or disrupt the integrity or performance of the Service

6. Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Finvaulta Inc. The research reports made available through the Service are owned by their respective issuing financial institutions and are licensed or aggregated under applicable terms. Your subscription grants you a limited, non-exclusive, non-transferable licence to access and view such content for personal research purposes only.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. FINVAULTA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. THE CONTENT AVAILABLE THROUGH THE SERVICE IS FOR INFORMATIONAL PURPOSES ONLY AND DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE.

8. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINVAULTA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF THE SERVICE, EVEN IF FINVAULTA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL FINVAULTA'S AGGREGATE LIABILITY EXCEED THE GREATER OF (A) THE FEES PAID BY YOU IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) $100.

9. Indemnification

You agree to indemnify and hold harmless Finvaulta and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your use of the Service, your violation of these Terms, or your violation of any rights of another party.

10. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service ceases immediately. You may cancel your subscription at any time through your account settings; cancellation takes effect at the end of the current billing period.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any dispute arising from these Terms shall be resolved exclusively in the courts located in Delaware.

12. Changes to These Terms

We may revise these Terms from time to time. We will notify you of material changes by email or by posting a notice on the Service. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes.

13. Contact Us

If you have any questions about these Terms, please contact us at:

Finvaulta Inc.
legal@finvaulta.com