These Terms of Service ("Terms") form a binding agreement between you and Yusuf Demirtas, trading as Financebro Studio ("Financebro", "we", "us") governing your use of the Financebro AI mobile application (the "App"). By downloading or using the App, you agree to these Terms. If you do not agree, do not use the App.
Financebro AI provides financial education and coaching only. It is not licensed financial, investment, tax, or legal advice, and is not provided by a registered investment adviser or broker-dealer. Nothing in the App is a recommendation, solicitation, or offer to buy, sell, or hold any security, asset, or financial product. You are solely responsible for your own financial decisions and should consider consulting a licensed professional. Investing involves risk, including the possible loss of principal; past performance does not guarantee future results, and no outcome or return is guaranteed.
Using the App does not create an advisory, fiduciary, agency, or professional relationship between you and Financebro Studio. We do not know your full financial position, we do not monitor your circumstances, and we owe you no duty to act in your financial interest. Anything the App tells you — including responses shaped by the profile details you gave us during onboarding — is general education, not a personalised recommendation. If you want someone who does owe you that duty, consult a licensed adviser in your own jurisdiction.
Responses are produced by artificial intelligence and may be inaccurate, incomplete, or out of date. Do not rely on them as your sole basis for any decision. The App does not provide live market data, prices, or quotes.
You choose what to type into the coach. Do not send account numbers, card or bank details, passwords, government identification numbers, or anyone else's personal information. The coach does not need them, and you should not share them with any AI assistant. If you send them anyway, you do so at your own risk.
Coach responses depend on what you tell it, including the profile details you set during onboarding. If that information is inaccurate, incomplete, or out of date, the responses will be too. Keeping it accurate is your responsibility.
If a response is wrong, offensive, or reads like advice, report it using the control on the message. We review reports and use them to improve the coach.
Lessons and coaching are written in general terms and often use examples from particular countries — United States retirement accounts, or Brazilian fixed-income products, for example. Those examples may have no equivalent where you live. Account types, tax treatment, contribution limits, and financial regulation differ by country and change over time.
Nothing in the App is tailored to the rules of your country, state, or tax residence, and we do not undertake to keep content current with legal or tax changes. Always check the current rules that apply to you, locally, before acting on anything you learn here.
The App awards experience points, streaks, badges, and course completion certificates. These are motivational features inside a learning product and nothing more.
A certificate is not an accredited qualification. It is not recognised by any regulator, employer, or educational institution, and confers no professional standing, licence, or authorisation of any kind. XP, streaks, and badges have no monetary value, cannot be exchanged, transferred, sold, or redeemed, and may be adjusted, reset, or discontinued as the App changes.
You must be at least 16 years old to use the App. The App is not intended for anyone under 16, and users under 16 may not use the App, create an account, or make any purchase. If you are between 16 and 18, you may use the App only with the involvement of a parent or legal guardian, who must agree to these Terms on your behalf, and you must have their permission before making any purchase. By using the App you represent that you meet these requirements and that you (or your parent or legal guardian) have the legal capacity to enter into these Terms and any subscription purchase.
The App creates an anonymous session when first opened and lets you sign in with Apple. You are responsible for activity under your account and for keeping your device secure.
You agree not to misuse the App, including: bypassing security, rate limits, or paywalls; reverse-engineering or copying it; using it for unlawful purposes; or attempting to extract another user's data.
The App, its design, and its content are owned by Financebro Studio or its licensors and are protected by law. We grant you a personal, non-transferable, revocable license to use the App for your own non-commercial use. Third-party marks shown (e.g., "Claude") belong to their respective owners.
If you send us ideas, suggestions, or feedback about the App, we may use them without restriction and without owing you compensation, credit, or confidentiality. Please do not send us anything you regard as confidential or proprietary.
Lessons and coach responses mention real companies, products, institutions, and public events for illustration. Naming something is not endorsement, sponsorship, or a recommendation, and implies no relationship with the party named. Third-party names and marks belong to their owners.
The App may also link to websites we do not control. We are not responsible for their content, accuracy, security, or privacy practices, and visiting them is at your own risk.
The App is provided "as is" and "as available" without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the App will be uninterrupted, secure, or error-free, or that any information is accurate or complete.
To the maximum extent permitted by law, Financebro Studio shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or investment losses, arising out of or relating to your use of the App. Our total liability for any claim shall not exceed the amount you paid us in the 12 months before the claim.
You agree to indemnify and hold harmless Financebro Studio from claims arising out of your misuse of the App or violation of these Terms.
The App is under active development. We may add, change, suspend, or remove features, lessons, courses, and content at any time, and we have done so before. We are not obliged to preserve any particular feature, or any content you have previously seen. If a change materially reduces what a paid subscription provides, you may cancel at any time through Apple, as described in section 9.
We may suspend or terminate your access for breach of these Terms. You may stop using the App and delete your account at any time in-app.
These Terms are governed by the laws of the Republic of Türkiye, without regard to conflict-of-laws principles. Mandatory consumer-protection rights in your country of residence are unaffected.
If you reside in the United States, the following applies to you and forms part of these Terms. It governs how disputes between you and us are resolved.
Governing law of this Section. Notwithstanding Section 19, this Section 20 and the agreement to arbitrate are governed by the U.S. Federal Arbitration Act and, to the extent state law applies, the laws of the State of Delaware, and not the law of the Republic of Türkiye. Section 19 continues to govern the rest of these Terms.
Informal resolution first. Before starting an arbitration or any formal proceeding, you agree to first contact us at financebrostudio@gmail.com and give us 30 days to resolve the dispute informally. Send a short description of the dispute and the relief you seek.
Agreement to arbitrate. If we cannot resolve the dispute within 30 days, you and we agree that any dispute, claim, or controversy arising out of or relating to the App, these Terms, or your use of the App will be resolved by binding individual arbitration, and not in court, except as stated below. The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect, and may be conducted by phone, video, or written submissions where the rules allow. Judgment on the award may be entered in any court with jurisdiction.
Arbitration fees. Payment of filing, administration, and arbitrator fees is governed by the AAA Consumer Arbitration Rules, which limit the fees payable by consumers.
Class-action and collective waiver. You and we agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding.
Exceptions (carve-outs). Nothing in this Section prevents either party from (a) bringing an individual claim in a small-claims court if the claim qualifies and stays in that court, or (b) seeking injunctive or other equitable relief in a court of competent jurisdiction to protect its intellectual-property or proprietary rights.
Delegation. Questions about the interpretation, applicability, enforceability, or formation of this arbitration agreement, including whether a dispute is subject to arbitration, are for the arbitrator to decide, except that a court may decide whether the class-action and collective waiver above is enforceable.
30-day opt-out. You may opt out of this arbitration agreement (including the class-action waiver) by emailing financebrostudio@gmail.com within 30 days of the date you first accept these Terms or this Section, whichever is later. Include your name and the email associated with your account and state clearly that you are opting out of arbitration. Opting out will not affect any other part of these Terms.
Severability and survival. If any part of this Section 20 is found unenforceable, the remaining parts stay in effect, except that if the class-action and collective waiver is found unenforceable, this entire Section 20 (other than the small-claims and IP carve-outs) is null and void as to the affected claim. This Section 20 survives termination of these Terms and deletion of your account.
The following apply because the App is distributed via Apple's App Store:
We may update these Terms; material changes will be noted in the App or on this page, and continued use after changes means you accept them.
If any provision is unenforceable, the rest remains in effect. These Terms are the entire agreement between you and us regarding the App. We may assign these Terms; you may not without our consent.
Events outside our control. We are not responsible for delays or failures caused by events beyond our reasonable control — including outages at Apple, our hosting or AI providers, network or telecommunications failures, natural events, or government action. If the App is unavailable for a prolonged period you can cancel your subscription at any time through Apple, as described in section 9.
Yusuf Demirtas, trading as Financebro Studio — financebrostudio@gmail.com