Effective Date: October 24, 2025
Last Updated: October 24, 2025
These Terms of Service ("Terms") govern your access to and use of Fin2Cents, Inc.'s websites, mobile and web applications, and related services (collectively, the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.
Fin2Cents, Inc. ("Fin2Cents," "we," "us," "our") provides educational content, interactive learning tools, and optional portfolio connections to help users understand finance and investing. The Services are for educational purposes only and do not provide financial, investment, legal, tax, or accounting advice. We are not a broker-dealer, investment adviser, or fiduciary.
Critical: The Services may display market data and simulations. Market data can be delayed or inaccurate. Educational examples are not recommendations.
We may offer free and paid tiers, trials, coupons, in-app "Coins," and limited-time promotions. Plan features are described at purchase or within the app.
If you purchase a subscription, you authorize recurring charges to your payment method until you cancel. Auto-renewal occurs at the then-current price unless you cancel before the renewal date.
You can cancel at any time in your account or via the app store used for purchase. Access continues until the end of the billing period; payments already made are non-refundable unless required by law or explicitly stated otherwise.
If you do not cancel before a trial ends, you will be charged on the first day after the trial period.
We may modify prices with prior notice where required.
Prices may exclude taxes; you are responsible for any applicable taxes.
Purchases via Apple App Store or Google Play are subject to their terms and refund processes.
Content, prompts, lessons, and analytics are for general educational purposes and are not tailored to your personal situation.
We do not recommend buying, selling, or holding any security, cryptoasset, or financial instrument.
Your use of the Services does not create an adviser-client or fiduciary relationship with Fin2Cents.
You may choose to connect third-party accounts (e.g., brokerage, bank, or authentication providers).
Our integrations are designed for read-only retrieval of balances/positions for educational analytics. We do not place trades or move funds on your behalf.
By connecting an account, you authorize Fin2Cents and its service providers to access the selected data from third parties, subject to those third parties' terms and privacy policies.
We are not responsible for the accuracy, completeness, or availability of third-party data or services.
You may disconnect an integration at any time in settings; previously retrieved data may remain in backups or logs consistent with our Privacy Policy.
You retain ownership of content you submit (e.g., profile info, posts, comments, feedback). You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, perform, adapt, and distribute your content as necessary to operate and improve the Services.
If you submit feedback, you grant a perpetual, irrevocable license for us to use it without restriction or compensation.
Our use of personal information is governed by our Privacy Policy.
You agree not to:
We may remove content or suspend/terminate accounts that violate these Terms.
May be delayed, incomplete, or inaccurate. Provided "as-is" for education.
Past performance, backtests, or hypothetical results do not guarantee future results.
Fin2Cents "Coins" or badges have no cash value, are non-transferable, and may be earned, purchased, or revoked at our discretion. We may modify or discontinue virtual items at any time.
We may test new or experimental features ("Beta"). Beta features are provided as-is, may contain bugs, and may be suspended at any time without notice.
The Services and all content are provided "as is" and "as available." To the fullest extent permitted by law, Fin2Cents disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and availability.
To the maximum extent permitted by law, Fin2Cents and its affiliates, officers, directors, employees, agents, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the Services, even if advised of the possibility of such damages. Our aggregate liability shall not exceed the greater of (a) amounts you paid to Fin2Cents in the 12 months before the claim or (b) $100.
Some jurisdictions do not allow the exclusion or limitation of certain damages; in such cases, these limits apply to the fullest extent permitted by law.
You agree to indemnify, defend, and hold harmless Fin2Cents and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from or related to: (a) your use of the Services; (b) your content; (c) your violation of these Terms; or (d) your violation of any law or third-party rights.
Your use of the Services is also governed by our Privacy Policy. You consent to the transfer and processing of your information in the United States and other jurisdictions where we or our service providers operate. We implement security measures but cannot guarantee absolute security.
If you downloaded the app from the Apple App Store or Google Play:
You may not use or export the Services in violation of U.S. export laws and sanctions or other applicable laws. You represent you are not on any U.S. government restricted party list and are not located in an embargoed country.
These Terms are governed by the laws of the State of Delaware, without regard to conflicts of law principles.
Contact us at support@fin2cents.com to resolve disputes informally within 30 days before filing a claim.
Any dispute arising out of or relating to these Terms or the Services shall be resolved by final and binding arbitration administered by [JAMS/AAA] under its rules. You and Fin2Cents waive the right to a jury trial and to participate in a class, consolidated, or representative action.
You may opt out of arbitration within 30 days of accepting these Terms by sending written notice to support@fin2cents.com with subject "Arbitration Opt-Out" and your account email, full name, and address.
Either party may bring qualifying claims in small claims court.
We may suspend or terminate your access at any time for any reason, including violation of these Terms or risk to the Services or users. You may stop using the Services at any time. Sections that by their nature should survive (e.g., IP, disclaimers, limits of liability, indemnity, dispute resolution) will survive termination.
We may modify the Services or these Terms. We will provide notice of material changes (e.g., in-app or email). Changes become effective on the stated date. Continued use after changes become effective constitutes acceptance.
You consent to receive communications electronically (email, in-app, SMS). If you opt into SMS, you consent to receive recurring automated messages; message and data rates may apply; you can opt out at any time by replying STOP.
If you believe content on the Services infringes your copyright, please send a notice compliant with the DMCA to: support@fin2cents.com (or our designated agent listed on copyright.gov once registered). We respond to valid notices and may terminate repeat infringers.
Fin2Cents, Inc.
350 N Canal St, Chicago, IL 60654
Email: support@fin2cents.com
Website: https://www.fin2cents.com
© 2025 Fin2Cents, Inc. All rights reserved.