1. ACCEPTANCE OF TERMS

By accessing, downloading, installing, or using the Finiclub mobile application ("App") and related services provided by CrowdLite LLC ("Company," "we," "us," or "our"), you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use our services.

2. DESCRIPTION OF SERVICE

Finiclub is a financial literacy and social investment platform that provides:

• Educational content on financial topics
• Real-time financial news and market data
• Social networking and community features
• AI-powered financial assistance
• Portfolio tracking and investment tools
• Gamified learning experiences

3. ELIGIBILITY AND REGISTRATION

3.1 Age Requirements

You must be at least 18 years old to use our services. Users between 13-17 may use the service with parental consent and supervision.

3.2 Account Registration

You must provide accurate, current, and complete information during registration. You are responsible for maintaining the confidentiality of your account credentials.

3.3 Prohibited Users

Our services are not available to individuals or entities in jurisdictions where such services are prohibited by law.

4. USER CONDUCT AND RESPONSIBILITIES

4.1 Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations
• Infringe upon intellectual property rights
• Transmit harmful, offensive, or inappropriate content
• Engage in fraudulent or deceptive practices
• Attempt to gain unauthorized access to our systems
• Use automated systems to access our services

4.2 Content Standards

All user-generated content must comply with our community guidelines and applicable laws. We reserve the right to remove content that violates these standards.

5. FINANCIAL DISCLAIMERS

5.1 Educational Purpose

All content provided through our platform is for educational and informational purposes only. It does not constitute financial, investment, legal, or tax advice.

5.2 Investment Risks

Investing involves risk, including potential loss of principal. Past performance does not guarantee future results. You should consult with qualified professionals before making investment decisions.

5.3 No Investment Advisory Services

We are not a registered investment advisor, broker-dealer, or financial planner. We do not provide personalized investment advice, financial advice or recommendations.

6. SUBSCRIPTION AND PAYMENT TERMS

6.1 Subscription Plans

We offer various subscription tiers with different features and pricing. Current pricing is available in the App.

6.2 Payment Processing

Payments are processed through third-party payment processors. You authorize us to charge your selected payment method.

6.3 Automatic Renewal

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel at any time through your account settings.

6.4 Refund Policy

Refunds are governed by our separate Refund Policy, available on our website.

7. INTELLECTUAL PROPERTY RIGHTS

7.1 Our Content

All content, features, and functionality of our services are owned by CrowdLite LLC and protected by copyright, trademark, and other intellectual property laws.

7.2 User Content

You retain ownership of content you create, but grant us a worldwide, royalty-free license to use, modify, and distribute such content in connection with our services.

7.3 Third-Party Content

We may display third-party content, which remains the property of its respective owners.

8. PRIVACY AND DATA PROTECTION

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

9. THIRD-PARTY SERVICES AND LINKS

Our services may contain links to third-party websites or integrate with third-party services. We are not responsible for the content, privacy practices, or terms of service of such third parties.

10. DISCLAIMERS AND LIMITATIONS OF LIABILITY

10.1 Service Availability

We strive to maintain service availability but do not guarantee uninterrupted access. Services may be temporarily unavailable due to maintenance, updates, or technical issues.

10.2 Disclaimer of Warranties

OUR SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CROWDLITE LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR USE, ARISING OUT OF OR RELATING TO THESE TERMS OR OUR SERVICES.

11. INDEMNIFICATION

You agree to indemnify, defend, and hold harmless CrowdLite LLC and its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your use of our services or violation of these Terms.

12. TERMINATION

12.1 Termination by You

You may terminate your account at any time by following the instructions in the App or contacting customer support.

12.2 Termination by Us

We may suspend or terminate your account immediately if you violate these Terms or for any other reason at our sole discretion.

12.3 Effect of Termination

Upon termination, your right to use our services ceases immediately. Provisions that by their nature should survive termination will remain in effect.

13. DISPUTE RESOLUTION

13.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

13.2 Arbitration

Any disputes arising from these Terms or our services shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association.

13.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

14. INTERNATIONAL USERS

Our services are operated from the United States. Users accessing our services from other jurisdictions do so at their own risk and are responsible for compliance with local laws.

15. ACCESSIBILITY

We are committed to making our services accessible to users with disabilities and strive to comply with applicable accessibility standards.

16. CHANGES TO TERMS

We may modify these Terms at any time. Material changes will be communicated through the App or via email. Continued use of our services after changes constitutes acceptance of the modified Terms.

17. SEVERABILITY

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.

18. ENTIRE AGREEMENT

These Terms, together with our Privacy Policy and other referenced policies, constitute the entire agreement between you and CrowdLite LLC regarding our services.

19. CONTACT INFORMATION

For questions about these Terms, please contact us at: