These Terms of Service ("Terms") form a binding agreement between you and 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.
Responses are produced by artificial intelligence and may be inaccurate, incomplete, or out of date.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. Market data may be delayed and is for educational context only.
You must be at least 18 years old to use the App. The App is not intended for anyone under 18, and users under 18 may not use the App, create an account, or make any purchase. By using the App you represent that you are at least 18 years old and 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., "Financial Modeling Prep", "Claude") belong to their respective owners.
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.
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 12, this Section 13 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 12 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 13 is found unenforceable, the remaining parts stay in effect, except that if the class-action and collective waiver is found unenforceable, this entire Section 13 (other than the small-claims and IP carve-outs) is null and void as to the affected claim. This Section 13 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.
Financebro Studio — financebrostudio@gmail.com