1. Eligibility
You must be at least 18 years old to use this Platform. By using the Platform, you represent that you are 18 or older and have the legal capacity to enter into a binding contract under applicable US federal and state law.
2. Nature of Our Services
Finzony provides financial calculators, investment tools, credit card comparison tools, budgeting tools, educational content, and market information strictly for informational and educational purposes. Finzony is NOT a registered investment advisor, broker-dealer, financial planner, or tax consultant under SEC, FINRA, or any applicable US regulatory body.
- Nothing on the Platform constitutes professional financial, investment, tax, or legal advice.
- You should consult a licensed financial advisor or CPA before making financial decisions.
- Past performance is not indicative of future results.
3. User Responsibilities
4. Account Registration
Creating an account may be required to access certain features. You are responsible for all activity under your account and for maintaining account security. Finzony is not liable for losses resulting from unauthorized use of your account. Notify us immediately at support@finzony.com if you suspect unauthorized access.
5. Financial Tools & Calculators
Our calculators and estimators provide approximate results for educational purposes only. They rely on mathematical formulas, publicly available benchmarks, and user-provided inputs. Actual values may vary significantly based on market conditions, interest rates, federal and state taxes, regulations, or institutional policies.
Finzony is not responsible for errors arising from inaccurate inputs, outdated data, or misinterpretation of calculator results. Do not rely solely on calculator outputs for financial decisions.
6. Market Data, Articles & Educational Content
Market data, blogs, guides, and educational content available on the Platform are for informational use only. Although we strive for accuracy, Finzony does not guarantee completeness, reliability, or timeliness of any information provided.
7. Third-Party Services and Affiliate Links
Finzony may feature links to third-party financial institutions, banks, credit card providers, insurance partners, or affiliates. These are provided for convenience and are subject to FTC disclosure requirements.
- Finzony does not control, endorse, or guarantee third-party services or their accuracy.
- Any purchase, signup, or application with third-party providers is governed solely by their terms and privacy policies.
- Finzony is not liable for issues, losses, or disputes arising from third-party services.
8. Payments, Subscriptions & Refunds
Certain tools or premium content may require payment. All payments are processed securely through PCI-DSS compliant payment gateways. Refunds for digital services, where applicable, are governed by our Refund Policy. Some purchases may be non-refundable. For billing issues, contact support@finzony.com within 30 days of the charge.
9. Intellectual Property Rights
10. Prohibited Activities
- Using the Platform for fraud, market manipulation, or any activity illegal under US federal or state law.
- Scraping, crawling, or harvesting data without express written permission.
- Reverse engineering, decompiling, or bypassing any security measures on the Platform.
- Uploading harmful code, malware, scripts, or viruses that could damage the Platform or other users.
- Impersonating Finzony, its employees, or other users.
11. Limitation of Liability
To the fullest extent permitted by applicable US law, Finzony and its affiliates, officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising out of:
- Use or inability to use the Platform.
- Errors or inaccuracies in content, market data, or calculators.
- Third-party services, links, or financial decisions made by you.
- Loss of data, revenue, profits, investments, or goodwill.
- Unauthorized access to or alteration of your data.
12. Indemnification
You agree to indemnify, defend, and hold harmless Finzony Inc., its employees, directors, officers, and partners from any third-party claims, losses, damages, liabilities, costs, or expenses (including reasonable attorneys fees) arising out of your misuse of the Platform, violation of these Terms, or infringement of any third-party rights.
13. Data Protection & Privacy
Your data is handled according to our Privacy Policy, which complies with the California Consumer Privacy Act (CCPA), California Privacy Rights Act (CPRA), COPPA, and other applicable US privacy laws. By using the Platform, you consent to our data practices as described in our Privacy Policy.
14. Suspension & Termination
Finzony reserves the right to suspend or terminate your account or access to the Platform at its sole discretion, with or without notice, for violations of these Terms, fraudulent activity, or misuse of services. You may stop using the Platform and close your account at any time by contacting support@finzony.com.
15. Changes to Terms
Finzony reserves the right to update or modify these Terms at any time. Material changes will be communicated via email or a prominent notice on the Platform. Updated versions will be posted on this page with a revised Last Updated date. Continued use of the Platform after notice constitutes acceptance of the revised Terms.
16. Severability
If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
17. Entire Agreement
These Terms, together with our Privacy Policy, Cookie Policy, Disclaimer, and any other policies referenced on the Platform, constitute the entire agreement between you and Finzony Inc. regarding use of the Service and supersede all prior agreements.
18. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the United States and the State of Delaware, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved through binding arbitration or in a court of competent jurisdiction in the United States.
19. Contact Us
For questions regarding these Terms of Service, please email us at support@finzony.com. We aim to respond to all inquiries within 2 business days.
support@finzony.com