Effective Date: 31.07.2026
- Introduction
Welcome to FINANGRAM ("FINANGRAM", "we", "our", or "us").
These Terms of Use ("Terms") govern your access to and use of the FINANGRAM website, mobile applications, and all related services (collectively, the "Platform").
By accessing, browsing, registering for, or using the Platform, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you do not agree with these Terms, you must not use the Platform.
- Eligibility
You may use the Platform only if:
- you are at least 18 years old (or the legal age of majority in your jurisdiction);
- you have the legal capacity to enter into a binding agreement;
- your use of the Platform is permitted under the laws of your country.
You are responsible for ensuring that your use of the Platform complies with applicable laws.
- About the Platform
FINANGRAM is an information and analytics platform that provides, among other things:
- financial news;
- market analysis;
- personal finance blog;
- watchlists;
- trading ideas;
- investment ideas;
- educational content;
- AI-assisted content;
- market statistics and analytical tools.
FINANGRAM is not:
- a broker;
- an investment adviser;
- a financial institution;
- an exchange;
- an asset manager;
- a portfolio management service.
FINANGRAM does not execute trades, hold client funds, or provide personalized investment advice.
- User Account
Certain features require registration.
You agree to:
- provide accurate information;
- keep your credentials secure;
- maintain the confidentiality of your account;
- notify us immediately of unauthorized access.
You are responsible for all activities conducted through your account.
- Subscription Services
Certain content or features may be available only through a paid subscription.
Subscription terms, billing, renewal, cancellation, refunds, and pricing are described separately within the Platform or the applicable app store.
Unless otherwise required by law, subscription fees are non-refundable.
- Acceptable Use
You agree not to:
- violate any applicable laws;
- use the Platform for fraudulent or illegal purposes;
- attempt unauthorized access;
- interfere with the operation or security of the Platform;
- upload malicious software;
- scrape, harvest, or systematically collect Platform data;
- use automated bots except where expressly permitted;
- impersonate another person;
- distribute spam;
- reverse engineer any part of the Platform except where permitted by law.
- Intellectual Property
All content available through FINANGRAM, including but not limited to:
- text;
- articles;
- graphics;
- logos;
- trademarks;
- software;
- layouts;
- AI-generated materials;
- databases;
- watchlists;
- analytical reports;
- charts (unless provided by third parties),
is protected by intellectual property laws.
Unless expressly permitted, you may not:
- copy;
- reproduce;
- distribute;
- publish;
- modify;
- sell;
- license;
- create derivative works from Platform content.
- User Content
If users are permitted to submit comments or other content, they remain responsible for such content.
You grant FINANGRAM a worldwide, non-exclusive, royalty-free license to display, store, reproduce, and distribute content you voluntarily submit for purposes of operating the Platform.
You represent that you have all necessary rights to submit such content.
- Third-Party Services
The Platform may contain links to third-party websites, brokers, exchanges, or other services.
FINANGRAM is not responsible for:
- third-party content;
- availability;
- pricing;
- services;
- security;
- privacy practices.
Your interactions with third parties are solely between you and those parties.
- AI-Assisted Content
Some materials available on the Platform may be generated, summarized, translated, or enhanced using artificial intelligence technologies.
AI-generated content may contain inaccuracies or omissions.
Users should independently verify information before making financial decisions.
- No Investment Advice
Nothing on the Platform constitutes:
- investment advice;
- financial advice;
- legal advice;
- tax advice;
- accounting advice;
- an offer to buy or sell securities or financial instruments.
All information is provided for informational and educational purposes only.
Users are solely responsible for their investment decisions.
- Availability
We strive to keep the Platform available but do not guarantee uninterrupted service.
The Platform may be suspended, modified, updated, or discontinued without prior notice.
- Disclaimer of Warranties
The Platform is provided on an "as is" and "as available" basis.
To the fullest extent permitted by law, FINANGRAM disclaims all warranties, including implied warranties of:
- merchantability;
- fitness for a particular purpose;
- accuracy;
- reliability;
- availability;
- non-infringement.
- Limitation of Liability
To the maximum extent permitted by applicable law, FINANGRAM shall not be liable for:
- trading losses;
- investment losses;
- indirect damages;
- consequential damages;
- loss of profits;
- loss of business opportunities;
- data loss;
- interruption of service.
Users assume full responsibility for the use of the Platform.
- Termination
We may suspend or terminate your account if:
- you violate these Terms;
- your activities create legal or security risks;
- required by law.
You may stop using the Platform at any time.
- Changes to These Terms
We may update these Terms from time to time.
The updated version becomes effective upon publication unless otherwise stated.
Continued use of the Platform constitutes acceptance of the updated Terms.
- Governing Law
These Terms shall be governed by the laws applicable to the legal entity operating FINANGRAM, unless mandatory laws of the user's jurisdiction provide otherwise.
- Contact
If you have questions regarding these Terms, please contact us through the contact information provided on the Platform.
Platform-Specific Terms
In addition to these Terms of Use, the following platform-specific terms may apply when you access FINANGRAM through a third-party platform:
-
Apple App Store: Apple Standard End User License Agreement (EULA).
-
Google Play: Google Play Terms of Service.
For purchases and subscriptions, the applicable platform's billing, renewal, cancellation, and refund policies also apply, where relevant.