Finkipedia

Terms of Use

📄 Last Updated: September 04, 2025

IMPORTANT NOTICE - PLEASE READ CAREFULLY

THIS IS A FINANCIAL RESEARCH AND EDUCATIONAL PLATFORM ONLY. FINKIPEDIA DOES NOT PROVIDE INVESTMENT ADVICE, IS NOT A REGISTERED INVESTMENT ADVISOR, BROKER-DEALER, OR FINANCIAL PLANNER IN ANY JURISDICTION. ALL INFORMATION, INCLUDING BULLISH/BEARISH SENTIMENT INDICATORS, IS FOR EDUCATIONAL AND RESEARCH PURPOSES ONLY.

BY USING THIS SERVICE, YOU ACKNOWLEDGE THAT YOU MAY LOSE MONEY IF YOU MAKE INVESTMENT DECISIONS BASED ON ANY INFORMATION PROVIDED ON THIS PLATFORM. PAST PERFORMANCE DOES NOT INDICATE FUTURE RESULTS.

1. ACCEPTANCE OF TERMS

By accessing or using Finkipedia ("Platform", "Service", "we", "us", or "our"), you ("User", "you", or "your") agree to be bound by these Terms of Use ("Terms"), our Privacy Policy, and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this Platform.

1.1 Eligibility

  • You must be at least 18 years of age or the age of majority in your jurisdiction
  • You must have the legal capacity to enter into binding contracts
  • You are not prohibited from using the Service under any applicable laws
  • You will comply with all local laws regarding online conduct and acceptable content

1.2 Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify users of material changes via email or Platform notification. Your continued use after such modifications constitutes acceptance of the updated Terms.

2. SERVICE DESCRIPTION AND DISCLAIMERS

2.1 Nature of Service

Finkipedia is an educational financial research platform that provides:

  • AI-powered analysis of publicly available financial statements
  • Algorithmic pattern recognition and market sentiment analysis
  • Financial metrics, ratios, and fundamental data
  • Educational content about financial markets
  • Research tools and data visualization

2.2 NOT Investment Advice

CRITICAL DISCLAIMER:

  • This Platform does NOT provide personalized investment advice
  • We are NOT registered as an investment advisor in Canada or any other jurisdiction
  • We do NOT consider your personal financial situation, goals, or risk tolerance
  • All content is general and educational in nature
  • You should consult with a qualified financial advisor before making any investment decisions

2.3 Bullish/Bearish Indicators

Our AI-generated bullish/bearish sentiment indicators:

  • Represent algorithmic analysis of historical patterns and fundamental metrics
  • Are research observations about market data patterns
  • Are NOT recommendations to buy, sell, or hold any security
  • Are NOT trading signals or investment advice
  • May be wrong, outdated, or inappropriate for your situation
  • Should NOT be the sole basis for any investment decision

2.4 No Fiduciary Duty

We do not have a fiduciary duty to you. We are not acting as your financial advisor, broker, or agent.

3. REGISTRATION AND ACCOUNT

3.1 Account Creation

To access certain features, you must create an account providing:

  • Accurate, current, and complete information
  • A valid email address
  • A secure password

3.2 Account Security

You are responsible for:

  • Maintaining the confidentiality of your account credentials
  • All activities that occur under your account
  • Notifying us immediately of any unauthorized use
  • Ensuring your account information remains accurate and updated

3.3 Account Termination

We reserve the right to suspend or terminate accounts that:

  • Violate these Terms
  • Provide false information
  • Engage in fraudulent or illegal activities
  • Remain inactive for extended periods

4. SUBSCRIPTION AND PAYMENT

4.1 Subscription Tiers

  • Free Tier: Basic access to financial data and research tools
  • Pro Tier ($29/month): Enhanced features including AI research assistant
  • Premium Tier ($99/month): Full access to all Platform features

4.2 Payment Processing

  • Payments are processed by Stripe, a third-party payment processor
  • By subscribing, you authorize recurring monthly charges
  • All fees are in USD unless otherwise specified
  • You are responsible for any applicable taxes

4.3 Refund Policy

  • Subscriptions are non-refundable
  • No refunds for partial months
  • We may, at our sole discretion, offer credits for service interruptions

4.4 Price Changes

We reserve the right to modify subscription prices with 30 days' notice to existing subscribers.

5. ACCEPTABLE USE POLICY

5.1 Prohibited Uses

You agree NOT to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Engage in market manipulation or insider trading
  • Redistribute, sell, or commercialize any data or content from the Platform
  • Scrape, harvest, or collect data through automated means without permission
  • Attempt to reverse engineer the AI algorithms or proprietary methods
  • Impersonate any person or entity
  • Interfere with or disrupt the Service or servers
  • Upload malicious code or viruses
  • Use the Platform to provide investment advice to others
  • Create multiple accounts to circumvent subscription limits

5.2 Professional Use Restrictions

If you are a financial professional:

  • You may NOT use this Platform to advise clients
  • You may NOT present our analysis as your own
  • You may NOT rely on our service for professional investment decisions
  • You must maintain your own compliance with professional standards

6. INTELLECTUAL PROPERTY

6.1 Platform Content

All content on Finkipedia, including but not limited to:

  • AI-generated analysis and insights
  • Website design and graphics
  • Algorithms and methodologies
  • Trademarks and logos

Are owned by Finkipedia or our licensors and protected by copyright and other intellectual property laws.

6.2 User License

We grant you a limited, non-exclusive, non-transferable license to:

  • Access and use the Platform for personal research purposes
  • Download and print content for personal, non-commercial use
  • Share links to public Platform pages

6.3 Restrictions

You may NOT:

  • Reproduce, distribute, or publicly display Platform content
  • Create derivative works based on Platform content
  • Use Platform content for commercial purposes
  • Remove any proprietary notices

7. DATA AND PRIVACY

7.1 Data Collection

Our data collection and use practices are described in our Privacy Policy, which is incorporated by reference into these Terms.

7.2 Data Accuracy

While we strive for accuracy:

  • We do not guarantee the accuracy, completeness, or timeliness of any data
  • Financial data may be delayed, incorrect, or incomplete
  • You should verify important information from primary sources

7.3 Third-Party Data

We source data from third-party providers and cannot guarantee its accuracy or reliability.

8. LIMITATION OF LIABILITY

8.1 Investment Losses

IN NO EVENT SHALL FINKIPEDIA BE LIABLE FOR ANY INVESTMENT LOSSES, LOST PROFITS, OR ANY DAMAGES ARISING FROM INVESTMENT DECISIONS MADE BASED ON INFORMATION PROVIDED ON THIS PLATFORM.

8.2 Maximum Liability

Our total liability to you for any claims shall not exceed the amount you paid us in subscription fees in the twelve (12) months preceding the claim.

8.3 Exclusions

We are not liable for any:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, data, use, goodwill, or other intangible losses
  • Damages resulting from unauthorized access to your account
  • Errors or inaccuracies in any content
  • Personal injury or property damage
  • Any matter beyond our reasonable control

8.4 Service Interruptions

We do not guarantee uninterrupted or error-free service and are not liable for any service interruptions.

9. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Finkipedia, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

  • Your use of the Platform
  • Your violation of these Terms
  • Your investment decisions
  • Your violation of any laws or third-party rights
  • Any content you submit to the Platform

10. DISCLAIMERS

10.1 "AS IS" Service

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

10.2 No Guarantee

We do not warrant that:

  • The Service will meet your requirements
  • The Service will be uninterrupted or error-free
  • The results obtained will be accurate or reliable
  • Any errors will be corrected

10.3 Risk Disclaimer

INVESTING IN FINANCIAL MARKETS INVOLVES SUBSTANTIAL RISK OF LOSS. YOU SHOULD NOT INVEST MONEY YOU CANNOT AFFORD TO LOSE. PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS.

11. REGULATORY COMPLIANCE

11.1 User Responsibilities

You are solely responsible for:

  • Determining whether use of this Service is permitted in your jurisdiction
  • Complying with all applicable local laws and regulations
  • Understanding and complying with tax obligations
  • Obtaining any required licenses or permissions

11.2 Geographic Restrictions

This Service may not be available or appropriate in all jurisdictions. We reserve the right to restrict access from certain geographic locations.

11.3 Reverse Solicitation

By creating an account, you confirm that:

  • You found Finkipedia independently
  • We did not solicit you in your jurisdiction
  • You are voluntarily choosing to use our Service

12. DISPUTE RESOLUTION

12.1 Governing Law

These Terms shall be governed by the laws of the Province of [Ontario/Your Province], Canada, without regard to conflict of law principles.

12.2 Arbitration

Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with the Arbitration Rules of the ADR Institute of Canada.

12.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class actions.

12.4 Injunctive Relief

Notwithstanding the above, either party may seek injunctive relief in any court of competent jurisdiction.

13. GENERAL PROVISIONS

13.1 Entire Agreement

These Terms, along with our Privacy Policy, constitute the entire agreement between you and Finkipedia.

13.2 Severability

If any provision is found unenforceable, the remaining provisions shall continue in full force.

13.3 Waiver

Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.

13.4 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

13.5 Force Majeure

We shall not be liable for any failure to perform due to causes beyond our reasonable control.

13.6 Notices

Legal notices should be sent to:

  • Email: legal@finkipedia.com
  • Address: 33 Bloor St East 5th Floor, Toronto, ON M4W 3H1, Canada

13.7 Electronic Communications

You consent to receive communications from us electronically and agree that electronic communications satisfy any legal requirement for written communications.

14. SPECIFIC PROVISIONS FOR INTERNATIONAL USERS

14.1 United States Users

  • We are not registered with the SEC or FINRA
  • Information is provided under the publisher's exclusion
  • Not intended for residents of states where prohibited

14.2 European Union Users

  • We are not authorized under MiFID II
  • Data processing complies with GDPR requirements
  • EU users have additional rights under the Privacy Policy

14.3 Other Jurisdictions

Users from other jurisdictions access the Service at their own risk and must comply with local laws.

15. CONTACT INFORMATION

For questions about these Terms, please contact us at:

Finkipedia

Email: support@finkipedia.com

Website: www.finkipedia.com

ACKNOWLEDGMENT

BY CLICKING "I AGREE" OR BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF USE.

End of Terms of Use

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