Terms of Service

Last updated: March 2026

NOTE: THESE TERMS CONTAIN A MANDATORY ARBITRATION AGREEMENT AND CLASS ACTION WAIVER

Welcome to Finsibility. By accessing or using our mobile application, website (if applicable), related services, and communications with us (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.

1. Acceptance of Terms

By creating an account, accessing, or using Finsibility, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. These Terms constitute a legally binding agreement between you and Finsibility Inc. ("Finsibility," "we," "us," or "our").

2. Use of Service

2.1 License Grant

We grant you a limited, revocable, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use, subject to your compliance with these Terms. This license does not include any right to resell or commercially use the Service or its content.

2.2 Service Availability and Modifications

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We do not guarantee that the Service will be available at all times or that it will be uninterrupted, secure, or error-free. We may perform scheduled or unscheduled maintenance that may temporarily interrupt access to the Service.

2.3 AI-Powered Features and Third-Party Dependencies

Certain features of the Service — including AI-assisted financial analysis, intelligent navigation, and AI voice narration — depend on third-party service providers (such as AI model providers and text-to-speech providers). These features are subject to the availability, performance, and usage limits of those third-party services, which are outside of our control.

You acknowledge and agree that:

2.4 Permitted Use

You may use Finsibility only for lawful purposes and in accordance with these Terms. You agree not to:

3. Accounts and Registration

3.1 Age Requirement

You must be at least 18 years old to use the Service. By creating an account or using the Service, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. If you are under 18, you may not use the Service. If we discover that you are under 18, we will terminate your account immediately.

3.2 Account Creation

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

3.3 Account Security

You are solely responsible for safeguarding your login credentials and for all activities that occur under your account. Finsibility is not liable for any loss or damage arising from your failure to protect your account credentials.

4. Subscription & Billing

4.1 Subscription Plans

Certain features of the Service may require a paid subscription. Finsibility offers two subscription tiers: Basic and Premium. Each tier may be available on a monthly or annual billing basis, as displayed in the Service at the time of purchase. By subscribing to any plan, you agree to pay the applicable fees for your chosen tier and billing cycle.

4.2 Automatic Renewal

Subscription plans (Basic and Premium) automatically renew at the end of each billing period (monthly or annual, as applicable) unless you cancel your subscription before the renewal date. For subscriptions purchased through Apple App Store or Google Play Store, cancellation must be managed through the respective store's subscription management system. For direct subscriptions, you may cancel through your account settings. Cancellation will take effect at the end of the current billing period.

4.3 Payment Terms

4.4 Scope of Subscription

Your subscription provides access to the Finsibility platform and its core features, including the ability to create, edit, manage, and analyze financial models, access community content, and use the Service's calculation and projection tools. AI-powered features (such as AI-assisted analysis, intelligent navigation, and AI voice narration) are included as supplementary features that enhance the Service but are not the sole basis of your subscription. Temporary unavailability, throttling, or usage limits on AI-powered features (as described in Section 2.3) do not reduce the value of your subscription or entitle you to a refund, credit, or other compensation.

4.5 In-App Purchases and Virtual Currency

4.5.1 Rocket Coins

The Service offers a virtual currency called "Rocket Coins" that can be purchased through the Apple App Store or Google Play Store. Rocket Coins are used to access certain AI-powered features within the Service, such as AI-assisted analysis, portfolio tours, and voice narration. By purchasing Rocket Coins, you acknowledge and agree that:

4.5.2 Themes and Non-Consumable Purchases

The Service may offer cosmetic themes, skins, or other non-consumable digital items for purchase. These items are licensed to you for personal use within the Service and remain available for the duration of your account, subject to these Terms. Non-consumable purchases are non-transferable and are tied to your account.

4.5.3 General In-App Purchase Terms

All in-app purchases are processed through the Apple App Store or Google Play Store and are subject to the respective store's terms and refund policies. Finsibility does not directly process payments for in-app purchases. You are responsible for all purchases made through your account, including unauthorized purchases that result from your failure to secure your device or account credentials.

4.6 Price Changes

We may change the pricing of our subscription plans (Basic and Premium) from time to time. If we increase the price of your subscription, the following applies:

4.7 Refunds

Refunds are provided only as required by applicable law or at our sole discretion. Subscription fees are generally non-refundable once the billing period has commenced. We do not provide prorated refunds for the unused portion of a billing period (e.g., if you cancel mid-month or mid-year).

5. Financial Projections and Forecasts Disclaimer

5.1 NOT FINANCIAL ADVICE

FINSIBILITY IS NOT A FINANCIAL ADVISOR, BROKER, INVESTMENT ADVISOR, FINANCIAL PLANNER, OR FIDUCIARY. THE SERVICE PROVIDES INFORMATIONAL TOOLS AND PROJECTIONS BASED ON MATHEMATICAL MODELS AND USER-PROVIDED ASSUMPTIONS. WE DO NOT PROVIDE PERSONALIZED FINANCIAL ADVICE, RECOMMENDATIONS, OR GUIDANCE REGARDING SPECIFIC INVESTMENT DECISIONS, FINANCIAL PRODUCTS, OR STRATEGIES. WE DO NOT PROVIDE PORTFOLIO OPTIMIZATION, PORTFOLIO REBALANCING, OR ANY FORM OF MANAGED ADVISORY SERVICES. NO FIDUCIARY DUTY, ADVISORY RELATIONSHIP, OR DUTY OF CARE IS CREATED BETWEEN YOU AND FINSIBILITY BY YOUR USE OF THE SERVICE.

Finsibility is a peer platform. Where users share models, analyses, or projections with each other through the community feed, any such sharing is between those users. Finsibility does not assume an advisory role, does not validate the suitability of shared content, and bears no responsibility for decisions made based on peer-shared content.

5.2 Projections Are Based on Assumptions

All financial projections, forecasts, calculations, and analyses generated by the Service are based on:

THESE PROJECTIONS ARE NOT GUARANTEES, PROMISES, OR ASSURANCES OF FUTURE FINANCIAL OUTCOMES. Actual results may differ materially from projected results due to numerous factors including, but not limited to:

5.3 No Guarantee of Future Performance

PAST PERFORMANCE AND PROJECTED PERFORMANCE ARE NOT INDICATORS OF FUTURE RESULTS. The Service cannot and does not guarantee:

5.4 Due Diligence Required

YOU ACKNOWLEDGE AND AGREE THAT:

5.5 Limitations of Financial Models

The Service uses mathematical models to generate projections, but these models have inherent limitations:

5.5.1 Model Versioning and Continuous Improvement

Models Cannot Tell the Future: Financial models are planning and analysis tools, not crystal balls. They cannot predict or guarantee future outcomes. All models are based on assumptions and mathematical formulas that attempt to simulate potential scenarios, but the future is inherently uncertain.

Model Versioning: Finsibility versions all financial model templates to track improvements and changes over time. Each model template has a version identifier that allows us to maintain accuracy and transparency about the underlying calculations.

Commitment to Improvement: We are committed to continuously improving the accuracy and reliability of our financial models. This includes:

Model Updates and Your Data: When we update a model template, existing financial models you have created may continue to use the version that was active when they were created, or they may be updated to use the latest version, depending on the nature of the update. We will make reasonable efforts to maintain backward compatibility, but significant improvements may require model recalculation.

No Guarantee of Perfection: Despite our commitment to accuracy and continuous improvement, we cannot guarantee that models are free from errors or that they will always produce accurate results. Like any software or mathematical tool, models may contain bugs, calculation errors, or limitations that we have not yet discovered. You should always verify important calculations independently and consult with qualified financial professionals before making significant financial decisions.

5.6 Market and Investment Risks

ALL FINANCIAL DECISIONS INVOLVE RISK, INCLUDING THE RISK OF LOSS OF PRINCIPAL. The Service does not account for all types of risks, including but not limited to:

YOU ASSUME ALL RISKS ASSOCIATED WITH ANY FINANCIAL DECISIONS YOU MAKE, WHETHER OR NOT YOU USED THE SERVICE TO INFORM SUCH DECISIONS.

5.7 No Endorsement of Financial Products

The Service may allow you to model various financial products, instruments, or strategies. THE INCLUSION OF A FINANCIAL PRODUCT, INSTRUMENT, OR STRATEGY IN THE SERVICE DOES NOT CONSTITUTE:

FINSIBILITY ENDORSES NO FINANCIAL PRODUCTS, INSTRUMENTS, OR STRATEGIES. The Service is a neutral platform that provides tools for modeling and analysis. Any financial products, instruments, or strategies that appear in the Service are included solely for informational and modeling purposes.

5.8 Community Feed and Model Ecosystem

5.8.1 Model Alternatives and Visibility

The Service includes a community feed and ecosystem feature that surfaces alternative financial models from our community of users. IMPORTANT DISCLAIMERS:

5.8.2 Community-Driven Analysis Services

The Service may provide community-driven analysis features, including:

IMPORTANT:

5.8.3 Partner-Created and Co-Authored Models

We reserve the right to co-author pre-filled financial models with external partners (such as charities, financial institutions, educational organizations, or other entities) and make these models available in our community feed. These partner-created models may include:

IMPORTANT DISCLAIMERS:

5.8.4 No Endorsement of Community Feed Models

FINSIBILITY ENDORSES NO MODELS, ALTERNATIVES, OR STRATEGIES SURFACED THROUGH THE COMMUNITY FEED OR ECOSYSTEM FEATURES, INCLUDING PARTNER-CREATED MODELS. The inclusion of a model in our community feed (whether user-created or partner-created) does not constitute:

The community feed and ecosystem features are provided solely to give you visibility into different modeling approaches and alternatives. All community feed projections are hypothetical and are NOT guarantees of future outcomes. No one can predict the future. You must conduct your own due diligence and consult with qualified financial professionals before making any decisions based on community feed models.

5.9 Professional Users and Third-Party Relationships

Finsibility is an open platform for sharing financial projections and models. Any individual — regardless of their professional background, credentials, or licensure — may choose to use the Service. Financial advisors, analysts, accountants, planners, or other financial professionals may use the Service to create, share, or publish financial models through the community feed or other features. Finsibility has no ability or obligation to verify, monitor, or restrict users based on their professional background, credentials, or licensure status.

IMPORTANT:

6. Third-Party Services and Data

6.1 Third-Party Services

The Service integrates with third-party services, including but not limited to Apple App Store, Google Play Store, payment processors, AI analysis providers, and voice synthesis providers. We may add or remove third-party integrations over time. While we select our integration partners with care, we do not control and cannot guarantee:

You acknowledge that:

6.2 Data Accuracy

While we strive to provide accurate information, we do not guarantee the accuracy, completeness, or timeliness of:

You are responsible for verifying the accuracy of any data obtained through the Service or third-party integrations.

7. Intellectual Property

7.1 Ownership

All content, features, functionality, software, text, graphics, logos, and other materials on the Service (collectively, "Content") are the exclusive property of Finsibility Inc. and its licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

7.2 Limited License

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

7.3 Restrictions

You may not:

7.4 User Content

You retain ownership of any data, information, or content you input into the Service ("User Content"), including documents you upload through the bulk import feature. By using the Service, you grant us a worldwide, non-exclusive, royalty-free license to use, store, process, reproduce, modify, adapt, and display your User Content solely to provide, maintain, and improve the Service. This license continues for so long as your account is active and terminates upon account deletion, at which point your User Content is permanently deleted from our systems. You represent and warrant that you have all necessary rights to grant this license and that your User Content does not violate any third-party rights or applicable laws. For details on how your User Content is processed, stored, and handled, please refer to our Privacy Policy.

7.5 Prohibited Content

You agree not to upload, post, or transmit any User Content that:

We reserve the right to remove any User Content that violates these Terms without notice.

7.6 Feedback and Suggestions

If you provide us with feedback, suggestions, or ideas about the Service ("Feedback"), you grant us a worldwide, non-exclusive, royalty-free, perpetual, and irrevocable license to use, modify, and incorporate such Feedback into the Service without any obligation to compensate you. We are not obligated to use your Feedback.

8. Disclaimers of Warranties

8.1 Service Provided "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

8.2 No Warranties Regarding Financial Information

WE MAKE NO WARRANTIES OR REPRESENTATIONS REGARDING:

9. Limitation of Liability

9.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINSIBILITY, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR:

9.2 Maximum Liability

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF OR INABILITY TO USE THE SERVICE SHALL NOT EXCEED THE LESSER OF: (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRIOR TO THE EVENT GIVING RISE TO THE LIABILITY, OR (B) FIVE HUNDRED DOLLARS ($500). In no event shall Finsibility's total aggregate liability exceed five hundred dollars ($500) regardless of the amount paid or the nature of the claim.

9.3 Financial Losses

FINSIBILITY SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES, LOSS OF INVESTMENT RETURNS, OR OTHER ECONOMIC DAMAGES RESULTING FROM:

10. Indemnification

You agree to indemnify, defend, and hold harmless Finsibility, its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from:

11. Termination

11.1 Termination by You

You may stop using the Service at any time by deleting your account through the account settings or by contacting us.

11.2 Termination by Us

We may suspend or terminate your account or access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

11.3 Effect of Termination

Upon termination:

12. ARBITRATION AGREEMENT; JURY TRIAL WAIVER; CLASS ACTION WAIVER; JURISDICTION AND VENUE

PLEASE READ THIS SECTION CAREFULLY. IT CONTAINS AN ARBITRATION AGREEMENT. THIS SECTION MAY SIGNIFICANTLY AFFECT YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY HEAR YOUR CLAIMS. THIS SECTION ALSO CONTAINS PROCEDURES FOR FINAL BINDING INDIVIDUAL ARBITRATION AND A WAIVER OF ANY AND ALL RIGHTS TO PROCEED IN A CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION (COLLECTIVELY, "CLASS ACTION") IN ARBITRATION OR LITIGATION.

THIS SECTION ALSO ADDRESSES THAT YOU AND FINSIBILITY ARE GIVING UP THE RIGHT TO HAVE A JURY TRIAL TO THE FULLEST EXTENT PERMISSIBLE BY APPLICABLE LAW AND TO FILE OR PARTICIPATE IN A CLASS ACTION SUBJECT TO THE LIMITED EXCLUSION BELOW. IN ARBITRATION, DISPUTES ARE RESOLVED BY AN ARBITRATOR, NOT A JUDGE OR JURY, AND THERE IS LESS DISCOVERY AND APPELLATE REVIEW THAN IN COURT.

12.1 Arbitration Agreement

YOU AND WE AGREE THAT ANY DISPUTE (DEFINED BELOW) SHALL BE RESOLVED BY FINAL AND BINDING INDIVIDUAL ARBITRATION EXCEPT AS OTHERWISE PROVIDED HEREIN. NOTWITHSTANDING THE FOREGOING, EITHER PARTY MAY ELECT TO HAVE INDIVIDUAL CLAIMS HEARD IN SMALL CLAIMS COURT IF THOSE CLAIMS QUALIFY FOR SMALL CLAIMS COURT AND SO LONG AS THE MATTER REMAINS IN SUCH COURT AND IS NOT REMOVED OR APPEALED TO A COURT OF GENERAL JURISDICTION AND ADVANCES ONLY ON AN INDIVIDUAL (NON-CLASS ACTION BASIS). ANY DISPUTE OVER WHETHER CLAIMS QUALIFY FOR SMALL CLAIMS COURT IS FOR THE SMALL CLAIMS COURT TO DECIDE IN THE FIRST INSTANCE AND, IF NECESSARY, FOR A COURT OF COMPETENT JURISDICTION TO DECIDE.

You and we agree that this Agreement affects interstate commerce and that the Federal Arbitration Act, 9 U.S.C. § 1 et seq., and federal arbitration law apply to this Arbitration Agreement and govern all questions as to whether a Dispute is subject to arbitration.

For purposes of this Section, the terms "Finsibility," "our," "we," or "us" include Finsibility, its subsidiaries or affiliates, as well as any of their respective present or future affiliates or subsidiaries, and any persons or entities (including agents, representatives, or employees) related to Finsibility or its present or future affiliates or subsidiaries.

For purposes of this Section, "Dispute" shall include, but is not limited to, any claims or controversies between you and we that are related in any way to this Agreement, including, but not limited to, your use of the Services, sales, returns, refunds, cancellations, defects, policies, privacy, advertising, and/or any communications between you and we, whether occurring on the Services or otherwise, even if the Dispute arises after the termination of your relationship with Finsibility. "Dispute" also includes, without limitation, claims that: (a) you bring against us; (b) we bring against you; (c) in any way relate to or arise out of any aspect of the relationship between you and Finsibility, whether based in contract, tort, statute, fraud, misrepresentation, advertising claims, or any other legal theory; (d) arose before you entered into this Agreement or out of a prior agreement with us (including, without limitation, claims relating to advertising); (e) are subject to ongoing litigation where you are not a party or a member of a certified class; and/or (f) arise after the termination of this Agreement.

"Dispute," however, does not include disagreements or claims concerning patents, copyrights, trademarks, and trade secrets and claims of piracy or unauthorized use of intellectual property or claims for personal bodily injury, which shall not be subject to arbitration or the notice and informal process described below. The arbitrator shall decide all issues except for: (a) those that are specifically reserved for a court herein; (b) those issues relating to the scope, validity, and enforceability of the Arbitration Agreement or any of the provisions of this Section; and (c) whether the arbitration administrator cannot or will not administer the arbitration in accordance with this Arbitration Agreement—all of which are for a court of competent jurisdiction to decide.

This Arbitration Agreement does not prevent you from bringing your Dispute to the attention of any federal, state, or local government agency.

12.2 Pre-Dispute Requirement

Before filing a claim, you and we agree to engage in informal dispute resolution by contacting the other party. You agree to contact us at tos@finsibility.com to attempt to resolve the dispute informally. You and we must include a statement of the claim, the grounds upon which they exist, and all supporting facts and information. We will attempt to resolve the dispute within 60 days. For a period of 60 days from the date of receipt of a completed notice from the other party, you and we will work together using reasonable efforts to try to resolve the Dispute. If requested by us in connection with a notice initiated by you, you agree to personally participate in an individualized telephone settlement conference (and if you are represented by an attorney, your attorney may also participate) to discuss a potential early resolution of the matter. If requested by you in connection with a notice initiated by us, we agree to have a Finsibility representative personally participate in an individualized, telephone settlement conference (and if we are represented by an attorney, our attorney may also participate). If the Dispute is not resolved within this 60-day period (which can be extended by agreement of the parties), you or we may commence arbitration consistent with the process set forth below. Compliance with this informal dispute resolution process is mandatory and a condition precedent to initiating arbitration.

Any applicable limitations period (including statutes of limitations) shall be tolled while the parties engage in this informal dispute resolution process.

12.3 Arbitration Administrator and Rules

Any arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (the "AAA Rules"), as modified by this Section. The AAA Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. If the AAA is unable or unwilling to administer the arbitration consistent with this Section, the parties shall agree on an alternative arbitral forum. If the parties cannot agree, either party may ask a court of competent jurisdiction to appoint an arbitrator consistent with this Section.

The arbitration will be conducted by a single arbitrator selected in accordance with the AAA Rules. The arbitrator must be a retired judge or an attorney licensed to practice law in the State of Delaware and shall have experience in the subject matter of the Dispute. The arbitrator shall be bound by the terms of this Agreement.

The arbitration shall take place in the county where you reside or at another mutually agreed location. If the claim is for $25,000 or less, you may choose whether the arbitration will be conducted (a) solely on the basis of documents submitted to the arbitrator, (b) through a telephonic or video hearing, or (c) by an in-person hearing as established by the AAA Rules. The arbitrator may award any relief that a court of competent jurisdiction could award, including injunctive or declaratory relief, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

Any arbitration hearings will take place on an individual basis, and the arbitrator's decision and award will be final and binding, subject only to the limited judicial review available under the Federal Arbitration Act, 9 U.S.C. §§ 9-11.

12.4 Arbitration Fees and Costs

Payment of all filing, administration, and arbitrator fees will be governed by the AAA Rules. If the AAA Rules require you to pay a filing fee in excess of what a court filing fee would cost in the jurisdiction where you reside, Finsibility will pay the difference. Finsibility will also pay any arbitration fees in excess of the amount you would have had to pay to file a complaint in a court of competent jurisdiction.

If the arbitrator finds that either the substance of your claim or the relief sought in the Dispute is frivolous or brought for an improper purpose (as measured by the standards set forth in Federal Rule of Civil Procedure 11(b)), then the payment of all arbitration fees will be governed by the AAA Rules and you agree to reimburse Finsibility for any fees previously paid on your behalf.

Each party shall bear its own attorney's fees and costs, unless the arbitrator determines that applicable law entitles the prevailing party to recover attorney's fees.

12.5 Class Action Waiver

YOU AND FINSIBILITY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative, class, or collective proceeding. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. If a court or arbitrator determines that this class action waiver is unenforceable as to a particular claim or request for relief, then this entire arbitration agreement (Section 12) shall be deemed void and unenforceable as to that particular claim or request for relief, and the claim or request for relief shall proceed in court.

12.6 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND FINSIBILITY EACH WAIVE THE RIGHT TO A JURY TRIAL FOR ANY AND ALL DISPUTES. If for any reason a Dispute proceeds in court rather than arbitration, you and Finsibility each waive any right to a jury trial and agree that such Dispute shall be decided by a judge sitting without a jury.

12.7 Right to Opt Out

You may opt out of this Arbitration Agreement (including the Class Action Waiver and Jury Trial Waiver) by sending written notice of your decision to opt out to tos@finsibility.com within 30 days of first accepting these Terms (or within 30 days of any material amendment to this Section). Your opt-out notice must include your full name, the email address associated with your Finsibility account, and a clear statement that you wish to opt out of the Arbitration Agreement. If you opt out, neither you nor Finsibility will be required to arbitrate Disputes, but all other provisions of these Terms will continue to apply to you. Opting out of the Arbitration Agreement has no effect on any other arbitration agreements that you may have entered into with us or may enter into in the future.

12.8 Severability of Arbitration Provisions

If any provision of this Section 12 is found to be illegal, unenforceable, or invalid, the remainder of Section 12 will remain in full force and effect. However, if the Class Action Waiver in Section 12.5 is found to be unenforceable as to a particular claim or request for relief and that finding is not reversed on appeal, then this entire arbitration agreement (Section 12) shall be deemed void and unenforceable as to that particular claim or request for relief, and such claim or request for relief shall be determined by a court of competent jurisdiction. Under no circumstances shall arbitration be conducted on a class, collective, or representative basis.

12.9 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.

12.10 Jurisdiction and Venue

For any Dispute that is not subject to arbitration or that is properly brought before a court, any legal action or proceeding arising under these Terms will be brought exclusively in the federal or state courts located in Delaware, and you hereby consent to the personal jurisdiction and venue of such courts.

13. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of any material changes by:

Your continued use of the Service after such modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service and delete your account.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy (which is incorporated by reference), constitute the entire agreement between you and Finsibility regarding the Service and supersede all prior agreements, understandings, negotiations, and discussions, whether oral or written. In the event of any conflict between these Terms and the Privacy Policy, these Terms shall control with respect to the subject matter of these Terms.

14.2 Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14.3 Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Finsibility's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

14.4 Assignment

You may not assign or transfer these Terms or your rights hereunder, in whole or in part, without our prior written consent. We may assign these Terms or any rights hereunder without restriction.

14.5 Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to circumstances beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, or failures of third-party services.

14.6 International Use

The Service is controlled and operated from the United States. If you access the Service from outside the United States, you are responsible for compliance with local laws. We make no representation that the Service is appropriate or available for use in other locations. Access to the Service from territories where the Service is illegal is prohibited.

14.7 Export Controls

You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce and trade and economic sanctions maintained by the U.S. Treasury Department's Office of Foreign Assets Control.

14.8 DMCA Notice

If you believe that any content on the Service infringes your copyright, please contact us at tos@finsibility.com with a DMCA takedown notice that includes: (1) identification of the copyrighted work; (2) identification of the infringing material; (3) your contact information; (4) a statement of good faith belief; (5) a statement of accuracy; and (6) your signature.

14.9 Mobile App Store Terms

If you access the Service through a mobile application downloaded from the Apple App Store or Google Play Store, you acknowledge that:

14.10 Beta and Experimental Features

We may offer beta, experimental, or preview features that are still under development. These features may be unstable, contain errors, or be discontinued at any time. We make no warranties regarding beta or experimental features, and you use them at your own risk.

Beta Environment Security Notice: If you are using the Service during a beta or pre-production phase, please be aware that data is encrypted both in transit and at rest. However, pre-production environments may use less restrictive access controls and data isolation practices than production. We recommend that you exercise caution with highly sensitive financial information during beta testing. Please refer to our Privacy Policy for details about security measures.

14.11 Advertisements

We reserve the right to display advertisements on our platform. Advertisements may appear within the Service interface, and we may partner with third-party advertising networks to serve ads. If we display advertisements, they will be clearly identified as such. Premium subscription plans may include an ad-free experience. Even if we display advertisements, we will never sell your personal data to advertisers. Please refer to our Privacy Policy for details about how advertisements may be targeted and how we protect your privacy.

15. Contact Information

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

Email: tos@finsibility.com

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IMPORTANT REMINDER: Finsibility provides informational tools and projections based on assumptions. We are not a financial advisor. All financial projections are not guarantees of future outcomes. Financial models are planning tools that cannot predict the future. Models are continuously improved but may contain errors or limitations. ALWAYS conduct your own due diligence, verify important calculations independently, and consult with qualified financial professionals before making any financial decisions.