Terms of Service

Welcome to FinData4AI. These Terms of Service govern your access to and use of the FinData4AI website, dashboard, documentation, APIs, data services, and related software services.

By creating an account, subscribing to a plan, purchasing credits, accepting an order form, or using the service, you confirm that you are at least 18 years old, have authority to bind yourself or the organization you represent, and agree to these terms.

If you do not agree to these terms, do not use FinData4AI.

FinData4AI provides financial data APIs, market-aware documentation, dashboard tooling, and related developer services for applications, research workflows, and AI agents.

The service is a digital SaaS product delivered over the internet. Access is made available after account creation, plan activation, payment confirmation, or other approval flow.

Coverage, supported markets, response fields, freshness, request limits, and available datasets may differ by plan, market, region, source, and contractual data rights.

• You must provide accurate account, billing, and organization information.
• You are responsible for keeping passwords, API keys, and access tokens confidential.
• You are responsible for all activity under your account, including activity by teammates, applications, and agents using your keys.
• Notify security@findata4ai.com promptly if you suspect unauthorized access or credential leakage.

If you register on behalf of a company or other organization, you represent that you are authorized to accept these terms for that organization.

FinData4AI offers free, individual, team, and enterprise plans. Paid subscriptions may include monthly request credits, rate limits, dataset access, dashboard features, support levels, and other plan-specific capabilities.

Monthly plan credits are intended for use during the applicable billing period and do not roll over unless the pricing page, dashboard, order form, or written agreement states otherwise.

Additional usage packs or separately purchased credits may be available. Unless a checkout page or order form states otherwise, separately purchased credits expire 12 months after purchase. When both subscription credits and purchased credits are available, subscription credits are consumed first.

Enterprise plans, redistribution rights, private deployments, custom datasets, SLAs, and data processing terms require written approval or a signed order form.

By choosing a paid subscription, you authorize FinData4AI to charge your selected payment method for recurring subscription fees until you cancel. Monthly plans renew monthly. Annual plans renew annually unless cancelled before renewal.

By purchasing additional usage or credits, you authorize a one-time charge in the amount shown at checkout. If auto-recharge is offered and you enable it, you authorize charges when your balance falls below the threshold you configure.

Prices may vary by billing region, currency, payment method, taxes, invoices, and procurement workflow. Applicable taxes, VAT, GST, sales tax, withholding, or similar charges may be added or handled as required by law.

Card and wallet payments are processed by Waffo Pancake or another PCI-DSS compliant payment processor shown at checkout. Payment card data is not stored on FinData4AI application servers.

• You may cancel a self-serve subscription from dashboard billing settings or by emailing cancel@findata4ai.com from the account billing email.
• Cancellation stops future renewal charges but does not automatically refund the active billing period.
• Your subscription remains available until the end of the paid billing period unless your dashboard states otherwise.
• Separately purchased credits remain available until their stated expiration date unless your plan, order form, or applicable law requires different treatment.
• Account data is normally retained for 90 days after closure, then deleted or anonymized according to operational and legal requirements.

Because FinData4AI is a digital SaaS and data service with immediate access after purchase, fees are generally non-refundable except as stated below or required by law.

• First paid subscription: you may request a refund within 7 days of the first charge if usage is below 10% of the included plan credits.
• Unused credit purchases: separately purchased credits may be refundable within 7 days of purchase if no credits from that purchase have been consumed.
• Duplicate or erroneous charge: verified billing errors are refunded in full.
• Verified service outage longer than 72 hours caused by FinData4AI: we may provide a prorated refund, account credit, or service extension.
• Enterprise orders: refunds, termination, and service credits follow the applicable order form or signed agreement.

Refund requests must be sent to refunds@findata4ai.com with the account email, transaction ID, and reason. Approved refunds are normally processed back to the original payment method within 5 to 10 business days after approval.

If you believe a charge is incorrect, contact billing@findata4ai.com before filing a card dispute or chargeback. We aim to respond within 2 business days and resolve verified billing errors within 5 business days.

FinData4AI, its licensors, and its data providers retain all rights in the service, APIs, documentation, schemas, and financial data delivered through the service. You receive a limited, non-exclusive, non-transferable right to use the service under your plan.

Unless your plan, dashboard, order form, or written data terms state otherwise, you may use API responses internally for your applications, dashboards, research workflows, and AI agents. You may not resell, sublicense, redistribute, publicly display, or provide bulk access to the data.

You may cache responses only as reasonably necessary to operate your product or workflow, subject to source restrictions, market rules, and any retention limits communicated by FinData4AI.

You retain rights in content, prompts, code, and applications you create. You grant FinData4AI a limited license to process account, query, usage, and support information only as needed to provide, secure, support, and improve the service.

• Do not use the service for illegal, fraudulent, harmful, or abusive activity.
• Do not share, publish, or embed API keys in client-side code or public repositories.
• Do not bypass rate limits, access controls, authentication, billing controls, or usage measurement.
• Do not scrape, extract, bulk download, or reconstruct datasets except through permitted API use.
• Do not benchmark, train, fine-tune, distill, or build a competing financial data product using FinData4AI data, schemas, outputs, or documentation.
• Do not use the service as the sole basis for legal, medical, financial, investment, tax, or other professional advice.
• Do not violate securities laws, sanctions rules, export controls, market data rules, exchange rules, data provider terms, or card network rules.

We use account, billing, API usage, diagnostics, and support data to provide, secure, monitor, bill, and improve the service. We do not sell payment card data or store full card numbers on FinData4AI application servers.

More detail about personal information, retention, cookies, and privacy rights is available in our Privacy Policy at /privacy.

You are responsible for configuring your systems so that you do not send sensitive personal data, regulated secrets, or confidential third-party data to FinData4AI unless your agreement permits it and appropriate safeguards are in place.

The service and data are provided on an "as is" and "as available" basis. We do not guarantee uninterrupted availability, complete coverage, error-free data, specific latency, or suitability for a particular trading, investment, tax, legal, accounting, or compliance purpose.

FinData4AI is not an investment adviser, broker-dealer, exchange, rating agency, tax adviser, or legal adviser. Data and API responses are informational only and are not investment advice, recommendations, offers, or solicitations.

To the maximum extent permitted by law, FinData4AI will not be liable for indirect, incidental, consequential, special, punitive, lost-profit, trading, market, data-loss, or business-interruption damages. Our total liability is limited to the amount you paid to FinData4AI in the 12 months before the event giving rise to the claim.

We may suspend or terminate access if you violate these terms, create security or legal risk, exceed permitted usage, fail to pay amounts due, misuse data, or if required by law or a data provider.

If we terminate a paid subscription for convenience and not because of your breach, we will provide a prorated refund or service credit for prepaid unused subscription fees unless an order form states otherwise.

Unless an order form states otherwise, these terms are governed by the laws of the jurisdiction of the FinData4AI contracting entity, without regard to conflicts of law principles.

Before starting a formal proceeding, both sides agree to try to resolve disputes informally by emailing legal@findata4ai.com and allowing a reasonable period for response.

We may update these terms from time to time. Material changes will be communicated at least 14 days before they take effect when practicable. Continued use after the effective date means you accept the updated terms.

Use the contacts below for support, billing, refunds, cancellation, legal, privacy, and security requests. If your order form lists different contacts, use the order form contacts for that order.