Terms of Service

1. Agreement to these Terms

These Terms of Service (the “Terms”) are a legal agreement between you and [COMPANY LEGAL NAME] (“Finzest”, “we”, “us”, or “our”), the operator of the Finzest financial-education service, including the finzest.app website and any related applications (together, the “Service”). Finzest is a sub-brand of AlphaNoodle.

By creating an account or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Who can use Finzest

You must be at least 16 years old (or the minimum age required in your country) to use the Service. By using Finzest you confirm that you meet this requirement and can form a binding contract.

You access the Service through an account created with our authentication provider. You are responsible for the accuracy of your information, for keeping your login credentials secure, and for all activity under your account. Notify us promptly of any unauthorized use.

3. Subscriptions, free trial, and billing

Finzest is a paid service offered as Finzest Pro. We may offer a free trial (currently 7 days). Unless you cancel before the trial ends, your subscription begins and the applicable fee is charged automatically.

Current pricing is $4.99 per month or $49 per year. Founding-member pricing ($39 for the first year) may be offered for a limited time. Prices are in U.S. dollars unless stated otherwise and may change with notice as described below.

Depending on where you subscribe, billing is handled by Stripe (web), the Apple App Store (iOS), or Google Play (Android). Subscriptions renew automatically at the then-current price for the chosen period until canceled. You can cancel as follows:

• Web: in your Finzest account settings or the billing portal.
• iOS: in your Apple ID subscription settings.
• Android: in your Google Play subscription settings.

4. Refunds and cancellation

You can cancel at any time. Cancellation stops future renewals; you keep access until the end of your current billing period. Except where required by law or stated by us in writing, fees already paid are non-refundable and we do not provide prorated refunds for partial periods.

Purchases made through the Apple App Store or Google Play are subject to those stores’ refund policies, which we do not control.

5. Your license to use Finzest

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial learning.

6. Acceptable use

You agree not to:

• use the Service for any unlawful purpose or in violation of these Terms;
• copy, scrape, or use automated means to access or collect content;
• reverse engineer, decompile, or attempt to extract source code, except where permitted by law;
• resell, sublicense, or commercially exploit the Service or its content;
• upload malware or content you do not have the right to share;
• interfere with, disrupt, or attempt to gain unauthorized access to the Service or its security; or
• impersonate any person or misrepresent your affiliation.

7. Content you provide

Some features let you upload content — for example, a bank-statement CSV used by the budget tool (“Your Content”). You retain ownership of Your Content. You grant us a worldwide, non-exclusive license to host, process, and use Your Content solely to operate and provide the Service, including transmitting it to our AI provider to generate the results you request.

You are responsible for ensuring you have the right to share Your Content. Please review our Privacy Policy and Financial Disclaimer for how financial data is handled.

8. Intellectual property

The Service, including its lessons, content, software, design, and the Finzest and AlphaNoodle names and logos, is owned by us or our licensors and is protected by intellectual-property laws. Except for the license granted above, no rights are transferred to you.

9. Financial education only — not advice

Finzest provides general financial education and informational tools. It does not provide personalized financial, investment, tax, accounting, or legal advice, and your use of it does not create an advisory or fiduciary relationship. See our Financial Disclaimer, and consult a qualified professional before making financial decisions.

10. Third-party services

The Service relies on third parties for functions such as authentication, hosting, AI processing, and payments. Your use of those functions may be subject to the third parties’ own terms, and we are not responsible for third-party services.

11. Disclaimers

To the fullest extent permitted by law, the Service is provided “as is” and “as available” without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted or error-free, or that any content is accurate, complete, or current.

12. Limitation of liability

To the fullest extent permitted by law, [COMPANY LEGAL NAME] and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss resulting from financial decisions you make. Our total liability for any claim relating to the Service will not exceed the greater of the amount you paid us in the 12 months before the claim or USD 100.

13. Indemnification

You agree to indemnify and hold harmless [COMPANY LEGAL NAME] and its affiliates from claims, damages, and expenses arising out of your misuse of the Service or breach of these Terms.

14. Termination

You may stop using the Service at any time. We may suspend or terminate your access if you breach these Terms or where reasonably necessary to protect the Service or other users. Provisions that by their nature should survive termination will survive.

15. Changes

We may modify the Service or these Terms from time to time. If we make material changes, we will provide notice (for example, by email or in the Service). Your continued use after changes take effect means you accept the updated Terms.

16. Governing law and disputes

These Terms are governed by the laws of [GOVERNING-LAW JURISDICTION], without regard to its conflict-of-laws rules. Any dispute-resolution and arbitration terms will be set out here and should be finalized with legal counsel. [TO BE COMPLETED.]

17. Contact

Questions about these Terms? Contact us at legal@finzest.app.