Terms of Service for Finz

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Finz ("we," "us," or "our"). By accessing or using the Finz mobile application, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

2. Description of Service

Finz is a stock market tracking and information application that provides:

• Stock market data and price information
• Corporate action tracking (dividends, splits, bonus issues, rights issues)
• Watchlist functionality for tracking stocks
• Price alerts and notifications
• Quarterly results and financial reports
• Market news and updates

3. CRITICAL DISCLAIMERS

3.1 Not Investment Advice

3.2 Data Accuracy and Reliability

3.3 Not a Trading Platform

Finz is NOT a trading platform, brokerage service, or financial institution. We do NOT:

• Execute trades or transactions on your behalf
• Hold, manage, or have access to your funds or securities
• Collect or store banking, demat account, or brokerage credentials
• Facilitate buying or selling of stocks or securities
• Provide custody or safekeeping of assets

4. User Eligibility and Responsibilities

4.1 Age Requirement

You must be at least 18 years old to use Finz. By using the app, you represent and warrant that you are of legal age.

4.2 User Account

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Providing accurate and truthful information
• Complying with all applicable laws and regulations

4.3 Prohibited Uses

You agree NOT to:

• Use the app for any illegal or unauthorized purpose
• Violate any securities laws or regulations
• Attempt to manipulate markets based on app data
• Scrape, harvest, or extract data from the app without permission
• Reverse engineer, decompile, or disassemble the app
• Use the app to distribute malware or harmful code
• Impersonate others or provide false information
• Interfere with or disrupt the app's functionality
• Use automated systems (bots, scripts) without authorization

5. Intellectual Property Rights

All content, features, and functionality of Finz, including but not limited to text, graphics, logos, software, and design, are owned by Finz or its licensors and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the app for personal, non-commercial purposes only.

6. Third-Party Services and Data

Finz integrates with and relies on third-party services for stock market data, news, corporate actions, and other information. We:

• Do NOT control, verify, or guarantee the accuracy of third-party data
• Are NOT responsible for errors, delays, or omissions in third-party data
• Are NOT liable for any losses arising from third-party service failures
• May discontinue third-party integrations at any time without notice

7. LIMITATION OF LIABILITY

7.1 Investment Losses

WE ARE ABSOLUTELY NOT LIABLE FOR:

• Any investment losses or gains
• Trading decisions made based on app data
• Missed trading opportunities due to delayed or incorrect notifications
• Financial consequences of inaccurate data or failed alerts
• Market movements or stock price changes

7.2 Service Interruptions

We are not liable for:

• App downtime, crashes, or technical failures
• Server outages or maintenance periods
• Network connectivity issues
• Third-party service failures
• Force majeure events (natural disasters, wars, pandemics, etc.)

8. DISCLAIMER OF WARRANTIES

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

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY OF DATA
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR FREEDOM FROM VIRUSES

9. Indemnification

You agree to indemnify, defend, and hold harmless Finz, its developers, operators, affiliates, partners, and licensors from and against any and all claims, damages, obligations, losses, liabilities, costs, debts, and expenses (including attorney's fees) arising from:

• Your use or misuse of the app
• Your violation of these Terms of Service
• Your violation of any third-party rights
• Your violation of any applicable laws or regulations
• Your investment decisions or financial losses
• Any content you submit or transmit through the app

10. Privacy and Data Protection

Your use of Finz is also governed by our Privacy Policy. By using the app, you consent to our collection, use, and disclosure of your information as described in the Privacy Policy.

11. Modifications to Service and Terms

11.1 Service Changes

We reserve the right to:

• Modify, suspend, or discontinue any feature or the entire app at any time without notice
• Change pricing, subscription models, or introduce fees
• Remove or add features without prior notification
• Terminate or suspend user accounts for any reason

11.2 Terms Changes

We may update these Terms at any time. We will notify you of significant changes by posting the updated Terms in the app or sending a notification. Your continued use of the app after changes constitutes acceptance of the modified Terms.

12. Termination

We reserve the right to terminate or suspend your access to Finz immediately, without prior notice or liability, for any reason, including but not limited to:

• Violation of these Terms of Service
• Fraudulent, abusive, or illegal activity
• At our sole discretion for any reason

Upon termination, your right to use the app will immediately cease. You may also request account deletion at any time through our data deletion process.

13. Governing Law and Dispute Resolution

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law provisions.

13.2 Jurisdiction

Any disputes arising from or relating to these Terms or your use of Finz shall be subject to the exclusive jurisdiction of the courts located in [Your City/State], India.

13.3 Arbitration (Optional)

Before filing any legal action, you agree to attempt to resolve disputes through good faith negotiation. If negotiation fails, disputes may be resolved through binding arbitration in accordance with Indian arbitration laws.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and Finz regarding your use of the app and supersede all prior agreements and understandings.

16. No Waiver

Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by authorized representatives.

17. Assignment

We may assign our rights and obligations under these Terms to any party at any time without notice to you. You may not assign or transfer your rights under these Terms without our prior written consent.

18. Contact Information

For questions about these Terms of Service, please contact us at:

Email: ashpaksh7@gmail.com

Subject Line: "Finz Terms of Service Inquiry"

19. Acknowledgment