Last Updated: March 23, 2026
Effective Date: March 23, 2026
Please read these Terms of Service ("Terms") carefully before using the Finlet platform. These Terms constitute a legally binding agreement between you ("you," "your," or "User") and Finlet Contributors ("Finlet," "we," "us," or "our"), the unincorporated open-source project operating the Service. References to "Finlet" shall include any successor entity (such as an LLC or corporation) to which these Terms are assigned in accordance with Section 21. By accessing or using the Finlet platform at finlet.dev, through our command-line interface, API, MCP server, or any related services (collectively, the "Service"), you agree to be bound by these Terms.
By creating an account, accessing, or using the Service in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms, and "you" refers to both you individually and that organization.
Eligibility. You must be at least 18 years of age (or the age of majority in your jurisdiction, whichever is greater) to use the Service. By using the Service, you represent and warrant that you meet this eligibility requirement.
Binding Agreement. These Terms form a binding legal agreement between you and Finlet. If you do not agree to these Terms, you must not access or use the Service. Your continued use of the Service after any changes to these Terms constitutes acceptance of those changes, as described in Section 20.
Finlet is a historical market simulation environment for AI trading agents. The Service allows users to build, test, and benchmark algorithmic trading strategies against historical market data in a simulated environment.
The Service is NOT:
No real money is transacted, no real securities are bought or sold, and no real brokerage accounts are involved. All trading activity on Finlet occurs exclusively within a simulated environment using historical market data. Performance results generated by the Service are entirely hypothetical.
The Service is available as a cloud-hosted SaaS application at finlet.dev and as a locally self-hosted installation via pip. The Service includes a REST API, MCP (Model Context Protocol) server, command-line interface, and web dashboard.
Finlet uses algorithmic strategies to simulate trading activity using historical market data. The AI agents execute simulated trades within a backtesting environment. Finlet does not use artificial intelligence to predict future market movements, provide investment advice, or manage real assets. All results are hypothetical and for educational and research purposes only.
Additional Services and Features. Finlet may introduce additional features, services, or components in the future, including but not limited to a marketplace for AI trading strategies, developer tools, or integrations with third-party platforms (collectively, "Additional Services"). Any Additional Services will be subject to supplemental terms, which will be presented to you at the time those services become available. Your use of any Additional Services constitutes acceptance of the applicable supplemental terms. In the event of a conflict between these Terms and any supplemental terms, the supplemental terms shall control with respect to the applicable Additional Service. Finlet is under no obligation to introduce any Additional Services.
Registration. To access the Service, you must create an account by providing a valid email address. You agree to provide accurate, current, and complete information during registration and to keep your account information updated.
One Account Per Person. Each individual may maintain only one Finlet account. Creating multiple accounts to circumvent rate limits, abuse free-tier allowances, or for any other purpose is strictly prohibited and grounds for immediate termination.
API Key Security. Upon registration, you will be issued an API key for authenticating requests to the Service. You are solely responsible for maintaining the confidentiality and security of your API key. You must:
Finlet stores API keys in hashed form. We cannot retrieve your original key; if lost, you must generate a new one. You are responsible for all activity that occurs under your API key, whether or not authorized by you.
Rate Limiting. Account registration is rate limited to 5 registrations per hour per IP address to prevent abuse.
Finlet offers the following subscription tiers:
| Plan | Price | Sessions | Tickers | API Calls/Day |
|---|---|---|---|---|
| Explorer | Free | 2/day | 5 | 100 |
| Developer | $49/month | Unlimited | 50 | 5,000 |
| Team | $149/month | Unlimited | Unlimited | 50,000 |
| Enterprise | $499/month | Unlimited | Unlimited | Unlimited |
Billing. All paid subscriptions are billed monthly through Stripe, our third-party payment processor. By subscribing to a paid plan, you authorize Finlet to charge your payment method on file through Stripe on a recurring monthly basis.
Auto-Renewal. Paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date. You will be charged the then-current subscription rate upon each renewal. Stripe will send a receipt for each charge to the email address associated with your account.
Cancellation. You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. You will retain access to paid features until the end of the period for which you have already paid. No partial refunds are issued for unused portions of a billing period.
Refunds. Finlet does not offer refunds for subscription fees already charged, except where required by applicable law. If you believe a charge was made in error, contact legal@finlet.dev within 30 days of the charge.
Price Changes. Finlet reserves the right to change subscription pricing. We will provide at least 30 days' written notice of any price change via the email address associated with your account. Continued use of a paid plan after the effective date of a price change constitutes acceptance of the new pricing. If you do not agree to the new pricing, you must cancel your subscription before the change takes effect.
Taxes. All prices are exclusive of applicable taxes. You are responsible for all taxes, duties, and levies imposed by taxing authorities in connection with your use of the Service, excluding taxes based on Finlet's net income.
Failed Payments. If a payment fails, we will attempt to charge your payment method again over the following 10 days. If payment remains unsuccessful after 10 days, your account may be downgraded to the Explorer (free) tier. If payment is not resolved within 30 days, Finlet reserves the right to suspend or terminate your account.
Free Tier (Explorer). The Explorer plan provides limited access to the Service at no cost, subject to the usage limits set forth in Section 4. Free-tier access is provided at Finlet's discretion and may be modified, limited, or discontinued at any time.
Research Network. Finlet operates an opt-in Research Network through which users may voluntarily share anonymized session data (including trading strategies, reasoning traces, and performance metrics) for academic and industry research purposes.
Participation in the Research Network is entirely voluntary. By opting in, you agree that:
Research Network Bonus. As a benefit of participation, free-tier (Explorer) users who opt into the Research Network receive one additional daily session (3 sessions/day instead of 2). This bonus may be modified or discontinued at any time.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You shall not:
Prohibited Uses:
Market Manipulation Training. Use the Service to develop, train, refine, or validate strategies intended for real-world market manipulation, spoofing, layering, wash trading, or any activity that would violate the Securities Exchange Act of 1934 (15 U.S.C. § 78a et seq.), the Commodity Exchange Act (7 U.S.C. § 1 et seq.), or any other applicable securities or commodities law.
Rate Limit Circumvention. Attempt to bypass, circumvent, or exceed the rate limits or usage quotas of your subscription tier through any means, including but not limited to creating multiple accounts, rotating API keys, or using proxy services.
Reverse Engineering. Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Service, except to the extent expressly permitted by applicable law notwithstanding this restriction.
Scraping and Data Harvesting. Use automated tools, bots, scrapers, or other mechanical means to extract, harvest, collect, or mine data from the Service, other than through the intended API endpoints within your rate limits.
Unauthorized Access. Attempt to gain unauthorized access to any portion of the Service, other users' accounts, or any systems or networks connected to the Service.
Interference. Interfere with or disrupt the integrity or performance of the Service or the data contained therein, including through denial-of-service attacks, injection attacks, or introduction of malicious code.
Competitive Intelligence. Use the Service for the purpose of benchmarking, competitive analysis, or building a competing product or service without prior written consent from Finlet.
Impersonation. Impersonate any person or entity, or falsely claim an affiliation with any person or entity.
Misrepresentation of Results. Present simulated performance results from the Service as actual trading results, or use such results to solicit investments, raise capital, or market financial products or services without prominently disclosing that the results are hypothetical and simulated.
Illegal Activity. Use the Service for any activity that violates applicable local, state, national, or international law or regulation.
Finlet reserves the right to investigate and take appropriate action against any user who violates this Acceptable Use Policy, including suspension or termination of access to the Service and reporting to law enforcement authorities where appropriate.
Finlet Platform IP. The Service, including all software, code, algorithms, data structures, user interfaces, documentation, trademarks, logos, and other materials (collectively, "Finlet IP"), is the proprietary property of Finlet Contributors and is protected by copyright, trademark, trade secret, and other intellectual property laws. All rights, title, and interest in and to the Finlet IP are and shall remain with Finlet. These Terms do not grant you any ownership interest in the Finlet IP, but only a limited, revocable, non-exclusive, non-transferable license to use the Service in accordance with these Terms.
User-Created Content. You retain all ownership rights in the trading strategies, algorithms, agent code, and other original content that you create and upload to the Service ("User Content"). Finlet does not claim ownership of your User Content.
License to Finlet. By using the Service, you grant Finlet a worldwide, non-exclusive, royalty-free, sublicensable license to use, process, store, and reproduce your User Content solely for the purposes of: (a) providing and operating the Service; (b) generating your simulation results and performance metrics; and (c) maintaining and improving the Service. This license terminates when you delete your User Content or your account, except with respect to data that has already been anonymized and aggregated as described in Section 5.
Aggregated and Anonymized Data. Finlet may create and use aggregated, anonymized, or de-identified data derived from your use of the Service for any business purpose, including analytics, product improvement, benchmarking, and research, provided that such data cannot reasonably be used to identify you or any individual.
Leaderboard Display License. If you opt into the public leaderboard (see Section 11), you grant Finlet a non-exclusive, royalty-free license to publicly display your username, agent name, and performance metrics (including Sharpe ratio, returns, and drawdown) on the leaderboard and in promotional materials. This license does not extend to your underlying strategy code or reasoning traces.
Feedback. If you provide Finlet with suggestions, ideas, or feedback regarding the Service ("Feedback"), you grant Finlet a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into the Service without any obligation to you.
THIS SECTION CONTAINS IMPORTANT DISCLAIMERS REGARDING THE NATURE OF THE SERVICE. PLEASE READ IT CAREFULLY.
No Investment Advice. Finlet is a simulation and educational platform. Nothing on this platform — including simulation results, performance metrics, leaderboard rankings, strategy outputs, AI-generated reasoning traces, or any other content — constitutes investment advice, financial advice, trading advice, or any other form of professional advice. Finlet is not a registered investment adviser under the Investment Advisers Act of 1940 (15 U.S.C. § 80b-1 et seq.), nor is it a registered broker-dealer under the Securities Exchange Act of 1934. Finlet is not registered with or regulated by the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), the Commodity Futures Trading Commission (CFTC), or any state securities regulator.
No Recommendation. No results, performance metrics, leaderboard rankings, or strategy outputs should be interpreted as a prediction, promise, or guarantee of future investment performance. Simulated results have no bearing on likely real-world trading outcomes. Finlet does not recommend, endorse, or suggest the purchase, sale, or holding of any security, commodity, derivative, or other financial instrument.
Simulation Only. All trading activity on the Service is simulated. No real securities transactions are executed. No real money is at risk. The simulated environment does not fully replicate real-world market conditions, including but not limited to liquidity constraints, execution latency, slippage, market impact, partial fills, trading halts, corporate actions, or regulatory interventions.
AI Capabilities Disclaimer. Finlet uses algorithmic models to simulate trading activity within a historical data environment. The AI agents on the platform are tools for backtesting and strategy evaluation — they do not predict future market movements, provide personalized investment recommendations, or manage real assets. AI-generated outputs, including reasoning traces and strategy suggestions, may be erroneous, incomplete, or misleading. Users are solely responsible for evaluating and validating any insights derived from the Service before making any real-world financial decisions.
HYPOTHETICAL OR SIMULATED PERFORMANCE RESULTS HAVE CERTAIN LIMITATIONS. UNLIKE AN ACTUAL PERFORMANCE RECORD, SIMULATED RESULTS DO NOT REPRESENT ACTUAL TRADING. ALSO, SINCE THE TRADES HAVE NOT BEEN EXECUTED, THE RESULTS MAY HAVE UNDER-OR-OVER COMPENSATED FOR THE IMPACT, IF ANY, OF CERTAIN MARKET FACTORS, SUCH AS LACK OF LIQUIDITY. SIMULATED TRADING PROGRAMS IN GENERAL ARE ALSO SUBJECT TO THE FACT THAT THEY ARE DESIGNED WITH THE BENEFIT OF HINDSIGHT. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFIT OR LOSSES SIMILAR TO THOSE SHOWN.
HYPOTHETICAL PERFORMANCE RESULTS HAVE MANY INHERENT LIMITATIONS, SOME OF WHICH ARE DESCRIBED BELOW. NO REPRESENTATION IS BEING MADE THAT ANY ACCOUNT WILL OR IS LIKELY TO ACHIEVE PROFITS OR LOSSES SIMILAR TO THOSE SHOWN. IN FACT, THERE ARE FREQUENTLY SHARP DIFFERENCES BETWEEN HYPOTHETICAL PERFORMANCE RESULTS AND THE ACTUAL RESULTS SUBSEQUENTLY ACHIEVED BY ANY PARTICULAR TRADING PROGRAM.
ONE OF THE LIMITATIONS OF HYPOTHETICAL PERFORMANCE RESULTS IS THAT THEY ARE GENERALLY PREPARED WITH THE BENEFIT OF HINDSIGHT. IN ADDITION, HYPOTHETICAL TRADING DOES NOT INVOLVE FINANCIAL RISK, AND NO HYPOTHETICAL TRADING RECORD CAN COMPLETELY ACCOUNT FOR THE IMPACT OF FINANCIAL RISK IN ACTUAL TRADING. FOR EXAMPLE, THE ABILITY TO WITHSTAND LOSSES OR TO ADHERE TO A PARTICULAR TRADING PROGRAM IN SPITE OF TRADING LOSSES ARE MATERIAL POINTS WHICH CAN ALSO ADVERSELY AFFECT ACTUAL TRADING RESULTS. THERE ARE NUMEROUS OTHER FACTORS RELATED TO THE MARKETS IN GENERAL OR TO THE IMPLEMENTATION OF ANY SPECIFIC TRADING PROGRAM WHICH CANNOT BE FULLY ACCOUNTED FOR IN THE PREPARATION OF HYPOTHETICAL PERFORMANCE RESULTS AND ALL OF WHICH CAN ADVERSELY AFFECT ACTUAL TRADING RESULTS.
The above disclaimers are provided in accordance with CFTC Rule 4.41(b)(1)(i) (17 CFR § 4.41) and NFA Compliance Rule 2-29, Interpretive Notice 9025.
PAST SIMULATED PERFORMANCE IS NOT NECESSARILY INDICATIVE OF FUTURE RESULTS, WHETHER REAL OR SIMULATED.
The Service incorporates data from third-party sources. This data is provided on an "as is" and "as available" basis. Finlet does not warrant the accuracy, completeness, timeliness, or reliability of any third-party data.
SEC EDGAR. The Service retrieves public company filings from the SEC's Electronic Data Gathering, Analysis, and Retrieval (EDGAR) system. EDGAR data is in the public domain. To comply with SEC fair access policies, Finlet's EDGAR plugin transmits your registered email address as part of the HTTP User-Agent header in requests to SEC servers. By using the EDGAR-powered features of the Service, you acknowledge and consent to this disclosure. The SEC's use of your email address is governed by the SEC's own privacy policy and terms.
FRED (Federal Reserve Economic Data). The Service uses economic data from the Federal Reserve Bank of St. Louis FRED API. FRED data is subject to the Federal Reserve Bank of St. Louis's terms of use, which require attribution. Finlet provides this attribution within the Service.
Finnhub. The Service uses news and fundamental data from Finnhub. Finnhub data is subject to Finnhub's terms of service and data licensing agreements. Access to Finnhub data through the Service is subject to the rate limits and usage restrictions of your subscription tier. Finlet maintains a commercial license with Finnhub appropriate for the Service's use case.
S3 Historical Price Data. The Service uses historical price data stored in Parquet format on Amazon S3. This data is sourced from officially licensed data providers and is provided for simulation purposes only. Finlet does not guarantee that this data is free from errors, gaps, or survivorship bias.
User-Provided API Keys. Certain features of the Service may require you to provide your own third-party API keys (e.g., for Finnhub or FRED). When you provide such keys, they are stored locally in your configuration and are transmitted directly to the respective third-party services when the Service makes API calls on your behalf. Finlet does not store your third-party API keys on its servers. You are responsible for compliance with the terms of service of any third-party provider for which you supply API keys.
General Third-Party Disclaimer. Finlet is not responsible for the availability, accuracy, or content of any third-party data. Your use of third-party data through the Service is subject to the respective third-party provider's terms. If a third-party provider modifies, restricts, or discontinues its data service, Finlet may be unable to provide the affected features without liability to you.
What We Collect. In the course of providing the Service, Finlet collects and processes the following categories of personal and usage data:
How We Store Data. Personal data is stored in encrypted databases. API keys are stored only in hashed form. Session data is associated with your account identifier and retained in accordance with our data retention schedule.
Data Retention. Account information is retained for the duration of your account plus 90 days following deletion. Trading session data and reasoning traces are retained for 24 months from the date of creation, after which they are automatically deleted. For users who have opted into the Research Network, anonymized and aggregated data derived from sessions may be retained beyond 24 months, but the original identifiable session data is still deleted on the same 24-month schedule. Usage logs are retained for 12 months.
Privacy Policy. Our full Privacy Policy describes in detail how we collect, use, store, share, and protect your personal data. The Privacy Policy is incorporated into these Terms by reference.
Your Rights. Depending on your jurisdiction, you may have certain rights regarding your personal data:
EU/EEA Users (GDPR): You have the right to access, rectify, erase, restrict processing of, and port your personal data, as well as the right to object to processing and to withdraw consent at any time. You also have the right to lodge a complaint with a supervisory authority in the EU/EEA Member State of your habitual residence, place of work, or place of the alleged infringement (GDPR Article 77). Our legal bases for processing are: contract performance (account creation, service delivery), legitimate interest (analytics, service improvement), and consent (marketing communications, Research Network participation). For questions about your GDPR rights, contact legal@finlet.dev.
California Users (CCPA/CPRA): You have the right to know what personal information we collect, the right to delete your personal information, the right to correct inaccurate personal information, and the right to opt out of the sale or sharing of your personal information. Finlet does not sell your personal information. To exercise your CCPA/CPRA rights, contact legal@finlet.dev or use the controls in your account settings.
Other U.S. States: Several additional states have enacted comprehensive privacy legislation. Finlet is committed to honoring the data subject rights provided under all applicable state privacy laws. To exercise your rights, contact legal@finlet.dev.
Data Breach Notification. In the event of a security breach that results in unauthorized access to your personal data, Finlet will notify affected users without undue delay and, where required by applicable law (including GDPR Article 34 and applicable U.S. state breach notification statutes), within the timeframes mandated by such law. Notification will be sent to the email address associated with your account.
Cookies and Tracking. The Finlet web dashboard may use cookies and similar tracking technologies for session management, authentication, and analytics. By using the web dashboard, you consent to the use of cookies as described in our Privacy Policy. You can manage cookie preferences through your browser settings.
Cross-Border Data Transfers. If you access the Service from outside the United States, your data may be transferred to and processed in the United States. By using the Service, you consent to such transfers. Where required by applicable law, Finlet uses Standard Contractual Clauses or other approved transfer mechanisms.
The Finlet Leaderboard is an opt-in feature that publicly ranks AI trading agents by simulated performance metrics, including Sharpe ratio, total returns, and maximum drawdown.
Opt-In. Leaderboard participation is voluntary. By opting in, you agree that your chosen display name, agent name, and simulated performance metrics will be publicly visible on the Service and may be displayed in Finlet's promotional materials.
Simulated Results Only. All leaderboard rankings reflect hypothetical, simulated performance only. Leaderboard placement does not constitute an endorsement by Finlet of any user, strategy, or agent, and should not be interpreted as a prediction of real-world trading performance.
No Endorsement. Finlet does not endorse, recommend, or certify any strategy or agent that appears on the leaderboard. Leaderboard rankings are generated algorithmically from simulated session data and are not reviewed, curated, or validated by Finlet for real-world applicability.
Finlet's Rights. Finlet reserves the right to: (a) modify leaderboard ranking criteria and display format at any time; (b) remove any entry that violates these Terms or the Acceptable Use Policy; and (c) display leaderboard data in aggregated or individual form for promotional, educational, or research purposes.
Benchmark Submissions. Benchmark submissions to the leaderboard are limited to 10 per day per user. This limit is enforced to maintain leaderboard integrity and prevent gaming.
Rate Limits. Each subscription tier includes specific daily API call limits as set forth in Section 4. Rate limits reset daily at midnight UTC. Exceeding your rate limit will result in HTTP 429 (Too Many Requests) responses until the limit resets.
Automated Access. You may access the Service programmatically through the API, MCP server, or CLI using your API key. All automated access must comply with your subscription tier's rate limits and the Acceptable Use Policy in Section 6.
Authentication. All API requests must include a valid API key via the X-API-Key HTTP header. Unauthenticated requests will be rejected.
Session Ownership. The Service enforces session-level access controls. You may only access, view, or modify simulation sessions that belong to your account. Attempting to access another user's sessions is a violation of these Terms.
No Uptime Guarantee. While Finlet strives to maintain high availability, the Service is provided on an "as available" basis. Finlet does not guarantee any specific uptime percentage, response time, or throughput. We will make commercially reasonable efforts to provide advance notice of planned maintenance, but unplanned outages may occur without notice.
Fair Use. Even within your rate limits, Finlet reserves the right to throttle or temporarily restrict access if your usage pattern adversely affects Service performance for other users.
THIS SECTION LIMITS FINLET'S LIABILITY TO YOU. PLEASE READ IT CAREFULLY.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINLET, ITS OFFICERS, DIRECTORS, CONTRIBUTORS, EMPLOYEES, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, REVENUE, GOODWILL, DATA, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF FINLET HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Liability Cap. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINLET'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT OF FEES ACTUALLY PAID BY YOU TO FINLET IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU ARE ON THE FREE TIER AND HAVE PAID NO FEES, FINLET'S MAXIMUM LIABILITY SHALL NOT EXCEED FIFTY U.S. DOLLARS ($50.00).
No Liability for Simulated Results. FINLET SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY REAL-WORLD INVESTMENT OR TRADING DECISIONS YOU MAKE BASED ON, INSPIRED BY, OR OTHERWISE RELATED TO SIMULATED PERFORMANCE RESULTS, STRATEGY OUTPUTS, REASONING TRACES, LEADERBOARD RANKINGS, OR ANY OTHER INFORMATION OBTAINED THROUGH THE SERVICE. YOU ACKNOWLEDGE THAT SIMULATED RESULTS DO NOT PREDICT, GUARANTEE, OR REPRESENT ACTUAL TRADING OUTCOMES.
No Liability for Third-Party Data. FINLET SHALL NOT BE LIABLE FOR ANY LOSSES, DAMAGES, OR CLAIMS ARISING FROM INACCURACIES, ERRORS, OMISSIONS, DELAYS, OR INTERRUPTIONS IN THIRD-PARTY DATA PROVIDED THROUGH THE SERVICE, INCLUDING DATA FROM SEC EDGAR, FRED, FINNHUB, OR ANY OTHER DATA SOURCE.
Basis of the Bargain. You acknowledge that Finlet has set its prices and entered into these Terms in reliance upon the limitations of liability and disclaimers of warranties set forth herein, and that the same form an essential basis of the bargain between the parties.
You agree to indemnify, defend, and hold harmless Finlet, its officers, directors, contributors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
This indemnification obligation survives the termination of these Terms and your use of the Service.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINLET DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO:
NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM FINLET OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
Termination by You. You may cancel your account at any time through your account settings or by contacting legal@finlet.dev. For paid subscriptions, cancellation takes effect at the end of the current billing period. Account deletion is permanent and cannot be undone.
Termination by Finlet. Finlet may suspend or terminate your access to the Service, in whole or in part, at any time and for any reason, including but not limited to:
Where practicable, Finlet will provide notice before termination, except in cases of egregious violations or where immediate action is necessary to protect the Service or its users.
Effect of Termination. Upon termination:
The Service is controlled and operated from the United States. By using the Service, you represent and warrant that:
(a) You are not located in, organized under the laws of, or a resident of any country or territory subject to comprehensive U.S. economic sanctions administered by the Office of Foreign Assets Control ("OFAC") of the U.S. Department of the Treasury. As of the effective date of these Terms, comprehensively sanctioned jurisdictions include Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine;
(b) You are not identified on any U.S. government restricted parties list, including but not limited to the OFAC Specially Designated Nationals and Blocked Persons List (SDN List), the Sectoral Sanctions Identifications List (SSI List), the U.S. Commerce Department's Entity List, or the Denied Persons List;
(c) You are not acting on behalf of, or for the benefit of, any person or entity described in clauses (a) or (b) above;
(d) You will not use the Service in violation of any applicable U.S. or international export control laws, trade sanctions, or embargo regulations, including the Export Administration Regulations (15 CFR Parts 730-774) and OFAC regulations (31 CFR Part 500 et seq.); and
(e) You will immediately notify Finlet and cease use of the Service if you become subject to any of the restrictions described in this section.
Finlet reserves the right to restrict or terminate access to the Service in any jurisdiction at its sole discretion to comply with applicable law. Violation of this section will result in immediate termination of your account.
PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
Before initiating any formal dispute resolution proceeding, you agree to first contact Finlet at legal@finlet.dev to attempt to resolve the dispute informally. You must provide a written description of the dispute, including your name, account information, and the specific relief sought. Finlet will attempt to resolve the dispute within 30 days of receipt. If the dispute is not resolved within this 30-day informal resolution period, either party may proceed to binding arbitration as described below.
You and Finlet agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Service that is not resolved through informal resolution (collectively, "Disputes") will be resolved exclusively through final and binding individual arbitration, rather than in court, except that: (a) either party may bring individual claims in small claims court if they qualify; and (b) either party may seek injunctive or other equitable relief in court for infringement or misappropriation of intellectual property rights.
The Federal Arbitration Act (9 U.S.C. sections 1-16) governs the interpretation and enforcement of this arbitration agreement.
Delegation Clause. The parties agree that the arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or any part of this arbitration agreement is void or voidable. This delegation clause is an agreement to arbitrate under the Federal Arbitration Act and is itself to be interpreted consistent with the FAA.
Arbitration Rules. Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. If AAA is unavailable or unable to administer the arbitration, the parties shall agree on an alternative arbitration forum, or a court shall appoint one. The arbitration shall be conducted in the State of Delaware or, at your election, by telephone, videoconference, or based on written submissions.
Costs. Finlet will pay all AAA filing, administration, and arbitrator fees for claims where the amount in dispute is less than $10,000, unless the arbitrator determines the claims are frivolous (as defined under Federal Rule of Civil Procedure 11(b)). For claims above $10,000, the parties will share costs as provided by the AAA Consumer Arbitration Rules. Each party shall bear its own attorneys' fees, unless the arbitrator awards fees to the prevailing party under applicable law.
YOU AND FINLET AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, MULTI-DISTRICT, OR REPRESENTATIVE ACTION OR PROCEEDING. Unless both you and Finlet agree otherwise in writing, the arbitrator may not consolidate or join the claims of other persons or parties who may be similarly situated and may not preside over any form of representative or class proceeding.
You may opt out of this arbitration agreement by sending written notice to legal@finlet.dev within 30 days of first accepting these Terms. Your opt-out notice must include your full name, email address associated with your Finlet account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you and Finlet may pursue Disputes in court, subject to the governing law and jurisdiction provisions in Section 19.
This arbitration agreement does not preclude either party from: (a) bringing an individual action in small claims court for disputes within its jurisdiction; (b) seeking injunctive or equitable relief in a court of competent jurisdiction to prevent the actual or threatened infringement or misappropriation of intellectual property rights; or (c) asserting claims that cannot be subject to mandatory pre-dispute arbitration under applicable law, including claims related to sexual assault or sexual harassment under the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021.
If the class action waiver in Section 18.3 is found to be unenforceable as to a particular claim or request for relief, then the entirety of this arbitration section (Section 18) shall be deemed void and unenforceable with respect to that claim or request for relief, and such claim or request for relief shall be resolved in court subject to Section 19.
These Terms and any Disputes arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law provisions.
For any claims that are not subject to arbitration under Section 18, or where you have validly opted out of arbitration, you and Finlet agree to submit to the exclusive personal jurisdiction of the federal and state courts located in the State of Delaware. You waive any objection to venue or jurisdiction in such courts.
Finlet reserves the right to modify these Terms at any time. When we make material changes, we will:
Continued use of the Service after the effective date of any modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Service and cancel your account before the changes take effect. Your sole remedy for disagreement with modifications is to discontinue use of the Service.
For material changes to the arbitration agreement in Section 18, you will have the opportunity to opt out of the revised arbitration provisions within 30 days of the change by following the opt-out procedure in Section 18.4.
Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, severed from these Terms. The invalidity of any provision shall not affect the validity or enforceability of the remaining provisions.
No Waiver. The failure of Finlet to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. A waiver of any term shall be effective only if in writing and signed by Finlet, and only for the specific instance and purpose for which it is given.
Entire Agreement. These Terms, together with the Privacy Policy and any subscription-specific terms, constitute the entire agreement between you and Finlet regarding the Service, and supersede all prior and contemporaneous agreements, proposals, representations, and understandings, whether written or oral.
Assignment. You may not assign or transfer your rights or obligations under these Terms without Finlet's prior written consent. Finlet may assign its rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets. Any attempted assignment in violation of this section is void.
Force Majeure. Finlet shall not be liable for any failure or delay in performing its obligations under these Terms due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, riots, epidemics or pandemics, government actions, power failures, internet or telecommunications failures, cyberattacks, or failures of third-party service providers.
Notices. Finlet may provide notices to you via the email address associated with your account, through the Service interface, or by posting on the Service. Notices from you to Finlet must be sent to legal@finlet.dev. Notices are deemed received when sent by email (upon transmission), when posted on the Service (upon posting), or when delivered by other means (upon actual receipt).
Headings. The section headings in these Terms are for convenience only and have no legal or contractual effect.
Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights in any individual or entity that is not a party to these Terms, except as expressly provided herein.
Relationship of the Parties. Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Finlet.
If you have questions about these Terms, please contact us at:
Finlet Contributors Email: legal@finlet.dev
For privacy-related inquiries, including data subject access requests under GDPR or CCPA, please contact: legal@finlet.dev
For security-related concerns, including reporting vulnerabilities or compromised API keys, please contact: legal@finlet.dev
California Residents. Under California Civil Code Section 1789.3, California users of the Service are entitled to the following consumer rights notice: The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210.
These Terms of Service are effective as of March 23, 2026.