Terms of Service

Last Updated: March 2, 2026

Welcome to Fintork. These Terms of Service ("Terms") govern your access to and use of Fintork's website, products, and services (collectively, the "Services"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.

1. Acceptance of Terms

By accessing or using Fintork's Services, you confirm that you:

• Are at least 18 years of age or the age of majority in your jurisdiction
• Have the legal authority to enter into these Terms
• Agree to comply with all applicable laws and regulations
• Accept these Terms in their entirety without modification

2. Description of Services

Fintork provides AI-powered FinTech solutions, including but not limited to:

• Financial analytics and predictive intelligence platforms
• Intelligent automation solutions for financial processes
• Custom FinTech software development services
• Consulting and advisory services for financial technology
• Related products and services as may be offered from time to time

We reserve the right to modify, suspend, or discontinue any part of our Services at any time without prior notice.

3. User Accounts and Registration

Account Creation

To access certain features of our Services, you may be required to create an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access or security breach
• Accept responsibility for all activities that occur under your account

Account Termination

We reserve the right to suspend or terminate your account at any time if you violate these Terms or engage in conduct that we deem inappropriate or harmful.

4. Acceptable Use Policy

You agree not to use our Services to:

• Violate any applicable laws, regulations, or third-party rights
• Transmit any harmful, fraudulent, or malicious content
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Services or servers
• Use automated systems to access the Services without authorization
• Impersonate any person or entity or misrepresent your affiliation
• Collect or harvest personal information of other users
• Engage in any activity that could harm Fintork's reputation or business

5. Intellectual Property Rights

Our Intellectual Property

All content, features, and functionality of our Services, including but not limited to text, graphics, logos, software, algorithms, and designs, are owned by Fintork and are protected by copyright, trademark, patent, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Services for your internal business purposes, subject to these Terms.

User Content

You retain ownership of any content you submit to our Services. By submitting content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and display such content solely for the purpose of providing and improving our Services.

6. Payment and Fees

Service Fees

Certain Services may require payment of fees. You agree to pay all applicable fees as specified in your service agreement or as posted on our website.

Payment Terms

• All fees are non-refundable unless otherwise stated in writing
• Fees are due as specified in your service agreement
• Late payments may result in suspension of Services
• We reserve the right to change our fees with reasonable notice

7. Confidentiality

Both parties agree to maintain the confidentiality of any proprietary or confidential information disclosed during the use of our Services. This obligation survives the termination of these Terms.

8. Data Protection and Privacy

Your use of our Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your personal information in accordance with applicable data protection laws and regulations.

9. Disclaimers and Limitations of Liability

Service Disclaimer

Our Services are 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.

Limitation of Liability

To the maximum extent permitted by law, Fintork shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of or inability to access or use the Services
• Any conduct or content of any third party on the Services
• Any content obtained from the Services
• Unauthorized access, use, or alteration of your transmissions or content

In no event shall Fintork's total liability to you for all damages, losses, or causes of action exceed the amount paid by you to Fintork in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless Fintork, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with:

• Your access to or use of the Services
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Services

11. Financial Services Compliance

Fintork operates in a highly regulated industry. You acknowledge that:

• Our Services must comply with applicable financial services regulations
• You are responsible for ensuring your use of our Services complies with all applicable laws
• We may be required to report certain activities to regulatory authorities
• We implement appropriate security measures to protect financial data

12. Dispute Resolution

Governing Law

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

Arbitration

Any dispute arising out of or relating to these Terms or the Services shall be resolved through binding arbitration in accordance with the rules of the applicable arbitration association, rather than in court, except that you may assert claims in small claims court if your claims qualify.

13. Modifications to Terms

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

• Posting the updated Terms on our website
• Updating the "Last Updated" date at the top of these Terms
• Sending notice to the email address associated with your account

Your continued use of the Services after such modifications constitutes your acceptance of the updated Terms.

14. Termination

Either party may terminate these Terms at any time with written notice. Upon termination:

• Your right to access and use the Services will immediately cease
• You must cease all use of our intellectual property
• All provisions that by their nature should survive termination shall survive
• You remain liable for all obligations accrued prior to termination

15. 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.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements referenced herein, constitute the entire agreement between you and Fintork regarding the use of our Services and supersede all prior agreements and understandings.

17. Contact Information

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

• Email: legal@fintork.com
• General Inquiries: info@fintork.com

18. Acknowledgment

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.