Terms of Service

1. Acceptance of Terms

By accessing and using FinSpry ("the Website", "Service", or "Platform"), you accept and agree to be bound by the terms and provision of this agreement ("Terms of Service" or "Terms"). If you do not agree to abide by these Terms of Service, please do not use this Website.

These Terms apply to all visitors, users, and others who access or use the Service. By accessing or using the Service, you represent that you are at least 18 years of age and have the legal capacity to enter into this binding agreement.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will make reasonable efforts to provide notice. What constitutes a material change will be determined at our sole discretion.

2. Data Disclaimer

The financial data, stock prices, market statistics, company information, and other content available on this Website are provided "as is" without warranty of any kind. We do not guarantee the accuracy, completeness, timeliness, or reliability of any data or information displayed on this Website.

Stock prices and market data may be delayed or inaccurate. Historical performance is not indicative of future results. Any reliance you place on such information is strictly at your own risk.

We obtain financial data from various third-party sources and data providers. While we strive to present accurate information, we cannot control the accuracy of data provided by third parties. Data may contain errors, omissions, or may become outdated. Market data, including stock prices, may be delayed by 15-20 minutes or more depending on the exchange and data source.

3. Not Investment Advice

FinSpry is not a registered investment advisor, broker-dealer, or financial planner. The information provided on this Website does not take into account your individual circumstances, financial situation, or needs.

You should consult with a qualified financial advisor, accountant, or other professional before making any investment decisions. We strongly recommend that you conduct your own research and due diligence before investing in any securities.

Nothing on this Website should be construed as an offer, solicitation, or recommendation to buy or sell any security or financial instrument. We do not provide personalized investment recommendations or advice tailored to your individual financial circumstances or investment objectives.

Any analysis, commentary, or opinions expressed on this Website are for informational and educational purposes only and should not be interpreted as investment advice or recommendations. You acknowledge that all investment decisions are made at your own risk and you accept full responsibility for any investment decisions you make based on information available on this Website.

4. Use of Service

You agree to use this Website only for lawful purposes and in a way that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the Website.

Prohibited behavior includes, but is not limited to:

• Attempting to gain unauthorized access to any portion of the Website, other users' accounts, or computer systems
• Using automated systems or software to extract data from the Website for commercial purposes (scraping, crawling, or data mining)
• Interfering with or disrupting the Website, servers, or networks connected to the Website
• Transmitting any viruses, malware, worms, trojan horses, or other malicious code
• Impersonating any person or entity, or falsely stating or misrepresenting your affiliation with any person or entity
• Using the Website for any illegal, fraudulent, or unauthorized purposes
• Collecting or harvesting any personally identifiable information from the Website
• Posting or transmitting any content that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable
• Engaging in any activity that could damage, disable, overburden, or impair the functionality of the Website
• Circumventing or attempting to circumvent any security features or access restrictions

We reserve the right to investigate and take appropriate legal action against anyone who, in our sole discretion, violates this provision, including without limitation, removing the offending content, suspending or terminating the account of such violators, and reporting them to law enforcement authorities.

5. Intellectual Property

The content, design, graphics, layout, compilation, digital conversion, software, and other elements of this Website are protected by copyright, trademark, patent, and other intellectual property laws. Unless otherwise stated, FinSpry owns or has licensed all rights to the Website content.

The FinSpry name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of FinSpry or its affiliates. You must not use such marks without our prior written permission. Other names, logos, product and service names, designs, and slogans on this Website are the trademarks of their respective owners.

Financial data displayed on this Website may be sourced from third-party providers and is subject to their respective terms of use and licensing agreements. This data is provided for personal, non-commercial use only. You may not republish, retransmit, redistribute, or otherwise reproduce any such data in any form to any third party without our express written consent.

You may view, download for caching purposes only, and print pages from the Website for your own personal use, subject to the restrictions set out below and elsewhere in these Terms. You must not:

• Republish material from this Website without our written consent
• Sell, rent, or sub-license material from the Website
• Reproduce, duplicate, copy, or otherwise exploit material on our Website for commercial purposes
• Modify or alter any Website content
• Redistribute content from FinSpry, except for content specifically made available for redistribution

6. Limitation of Liability

To the fullest extent permitted by law, FinSpry, its owners, employees, agents, affiliates, partners, and licensors shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any other damages of any kind, arising out of or relating to your use of or inability to use the Website, including but not limited to:

• Any investment or trading losses, including loss of profits, income, or savings
• Errors, inaccuracies, or omissions in data or information
• Delays, interruptions, or suspension of service
• Unauthorized access to or alteration of your transmissions or data
• Statements or conduct of any third party on the Website
• Any damages arising from the use of or reliance on information, data, or services provided
• Loss of business, contracts, revenues, or anticipated savings
• Loss of or damage to goodwill or reputation
• Any other matter relating to the Website or services

You acknowledge that you use this Website at your own risk and that you are solely responsible for any investment decisions you make. In no event shall our total liability to you for all damages, losses, and causes of action exceed the amount paid by you, if any, for accessing this Website.

Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

7. Third-Party Links and Content

This Website may contain links to third-party websites, services, or resources that are not owned or controlled by FinSpry. We have no control over and assume no responsibility for the content, privacy policies, terms of use, or practices of any third-party websites or services.

You acknowledge and agree that FinSpry shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such third-party content, goods, or services available on or through any such websites or services.

The inclusion of any link does not imply endorsement, approval, or recommendation by FinSpry of the linked website or any association with its operators. You access third-party websites at your own risk and should review the terms and conditions and privacy policies of any third-party websites that you visit.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit or use.

8. Data Sources and Attribution

Financial data displayed on this Website is aggregated from various third-party sources, including but not limited to stock exchanges, data vendors, financial institutions, regulatory filings, and public sources. We make reasonable efforts to ensure data accuracy, but we cannot guarantee that all information is correct, complete, or up-to-date.

Market data, stock prices, and related information may be delayed by 15-20 minutes or more depending on the exchange and applicable regulations. Real-time data is not provided unless explicitly stated. Historical data may be subject to adjustments for stock splits, dividends, and other corporate actions.

Different data providers may use different methodologies for calculating financial metrics, ratios, and statistics. As a result, the information presented on our Website may differ from information presented on other financial websites or platforms, even when sourced from the same underlying data.

We do not independently verify all information provided by third-party data sources. The accuracy and reliability of data depend on our data providers, and we are not responsible for any errors, omissions, or delays in third-party data.

9. Modifications to Terms

We reserve the right to modify these Terms of Service at any time, at our sole discretion. Changes will be effective immediately upon posting to the Website. Your continued use of the Website after any such changes constitutes your acceptance of the new Terms of Service.

We encourage you to review these Terms periodically for any updates or changes. Material changes to these Terms will be indicated by updating the "Last updated" date at the top of this page. If we make material changes to these Terms, we may provide additional notice such as adding a statement to our homepage or sending you a notification.

If you do not agree to the modified terms, you should discontinue your use of the Website. Your continued use of the Website following the posting of changes constitutes your acceptance of such changes.

10. Termination

We reserve the right to terminate or suspend your access to the Website immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms of Service.

Upon termination, your right to use the Website will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

We may also, in our sole discretion and at any time, discontinue providing the Website, or any part thereof, with or without notice. You agree that any termination of your access to the Website may be effected without prior notice, and you agree that we will not be liable to you or any third party for any such termination.

11. Governing Law and Dispute Resolution

These Terms of Service shall be governed by and construed in accordance with the laws of the jurisdiction in which FinSpry operates, without regard to its conflict of law provisions.

Any disputes arising out of or relating to these Terms or the Website shall be resolved through binding arbitration in accordance with the applicable arbitration rules, rather than in court. However, you and FinSpry may seek to resolve the dispute in small claims court if it qualifies.

You agree that any claim or dispute you may have against FinSpry must be resolved exclusively by a court located in the jurisdiction where FinSpry operates. You agree to submit to the personal jurisdiction of such courts for the purpose of litigating all such claims or disputes.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

12. Disclaimer of Warranties

The Website and all information, content, materials, products, and services included on or otherwise made available to you through this Website are provided on an "as is" and "as available" basis, unless otherwise specified in writing.

We make no representations or warranties of any kind, express or implied, as to the operation of the Website, or the information, content, materials, products, or services included on or otherwise made available to you through this Website, unless otherwise specified in writing.

To the fullest extent permissible by applicable law, we disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website, information, content, materials, products, or services included on or otherwise made available to you through this Website, our servers, or email sent from us are free of viruses or other harmful components.

13. Indemnification

You agree to defend, indemnify, and hold harmless FinSpry, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms of Service
• Your use of the Website, including but not limited to any data, content, or services available through the Website
• Your violation of any law or the rights of any third party
• Any investment or trading decisions you make based on information from the Website
• Any content or information you submit, post, or transmit through the Website

14. Severability

If any provision of these Terms of Service is found to be unenforceable or invalid under any applicable law, such unenforceability or invalidity shall not render these Terms unenforceable or invalid as a whole. Such provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

The invalidity or unenforceability of any provision of these Terms shall not affect the validity or enforceability of any other provision of these Terms, which shall remain in full force and effect.

15. Waiver

No waiver by FinSpry of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of FinSpry to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

If we fail to exercise or enforce any right or provision of these Terms, such failure shall not constitute a waiver of such right or provision.

16. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void.

We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

17. Force Majeure

FinSpry shall not be liable for any failure or delay in performance under these Terms due to causes beyond its reasonable control, including but not limited to acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

18. Entire Agreement

These Terms of Service, together with our Privacy Policy and any other legal notices published by us on the Website, constitute the entire agreement between you and FinSpry regarding the use of the Website and supersede all prior and contemporaneous written or oral agreements between you and FinSpry.

You may be subject to additional terms and conditions that apply when you use or purchase certain other services, affiliate services, third-party content, or third-party software.