Terms and Conditions

1. Description of Service

finscout is your personal market intelligence assistant. We analyze thousands of market events, news, and social discussions daily, delivering a concise, personalized summary of what matters most to your portfolio. No more information overload - just clear, actionable insights about your chosen assets and sectors, accessible within the app.

Key features of the service include:

• Daily market briefings tailored to your portfolio
• Asset-specific insights and impact analysis
• AI-generated summaries of relevant market events
• Real-time alerts for significant market movements

2. Subscription Plans and Billing

finscout offers the following subscription plans:

• Monthly Plan: $8.99 per month
• Annual Plan: $29.99 per year

* Prices may vary on Apple App Store due to App Store pricing tiers and policies.

2.1 Trial Period

New subscribers to the Annual Plan receive a 3-day free trial with full access to all premium features. During this period, you'll have complete access to all premium features including daily market briefings, asset-specific insights, AI-generated summaries, and real-time alerts. Two days before your trial ends, we'll send you a reminder email. If you decide to cancel during the trial, you won't be charged. The Monthly Plan does not include a free trial period.

2.2 Cancellation Policy

You may cancel your subscription at any time through:

• Your account settings page
• Emailing us at founders@finscout.io

Cancellation terms vary by plan:

• Monthly Plan: Access continues until the end of your current billing period
• Yearly Plan:
  • Mid-year cancellations are prorated based on unused months
  • You'll receive a refund for unused months at the yearly rate
  • Example: Cancelling after 6 months results in a $14.99 refund (50% of $29.99)

3. Ownership and Refund Policy

When you subscribe to finscout, you gain access to personalized market news tailored to your selected sectors, invested assets, and preferred market updates within the app. We are committed to your satisfaction; if you're not completely happy with our service, you can request a full refund within 7 days of your purchase.

4. User Data Collection and Usage

We collect and process the following data types:

• Name and Email Address: For app functionality and communication
• Payment Information: For subscription processing
• User Content: Including photos and videos you provide
• Device Information: For analytics and functionality
• Usage Data: To improve our service

We also collect non-personal data through web cookies. For more information, please refer to our Privacy Policy.

5. User Responsibilities

By using finscout, you agree to:

• Provide accurate account information and keep it updated
• Use the service for personal, non-commercial purposes only
• Not share your account credentials with others
• Notify us immediately of any unauthorized access or security concerns
• Not attempt to reverse-engineer or manipulate the service

finscout reserves the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity.

6. Contact Information

If you have any questions or concerns, please contact us at: founders@finscout.io

7. Intellectual Property

All content provided through finscout, including but not limited to:

• Market analysis and insights
• AI-generated summaries
• Data visualizations and reports
• Our proprietary algorithms and methodologies

are protected by intellectual property laws and remain the exclusive property of finscout. You may not reproduce, distribute, modify, or create derivative works without our explicit written permission.

8. Limitation of Liability and Disclaimer

finscout provides market information and insights for informational purposes only. We explicitly state that:

• We do not provide financial advice
• We do not make investment recommendations
• These materials are for informational purposes only and do not constitute individual investment advice or financial analysis under EU Directive MiFID II.
• We make no representation or warranty as to the accuracy, completeness, or timeliness of the information provided.
• You should seek independent advice from a qualified financial or investment advisor tailored to your personal circumstances.
• All news and information are sourced from third-party providers with proper attribution
• Original sources are always linked and credited

9. Governing Law

These Terms and Conditions are governed by and construed in accordance with the laws of Germany, without regard to its conflict of law principles.

Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts in Hamburg, Germany.

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

10. Changes to Terms

We will notify you of any material changes via:

• Email notification to your registered address
• Notice on our website
• In-app notifications where applicable

Your continued use of finscout after such modifications constitutes your acceptance of the updated Terms.

11. Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

Market data and analysis can be subject to errors, delays, or inaccuracies. You acknowledge these limitations and agree to use the service at your own risk.