Effective Date: February 4, 2026

Last Updated: February 4, 2026

Welcome to Finorima (“Finorima,” “we,” “us,” or “our”). These Terms of Use (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Finorima governing your access to and use of our website, applications, APIs, content, and related services (collectively, the “Platform”).

BY CLICKING “I AGREE,” REGISTERING AN ACCOUNT, ACCESSING, OR USING THE PLATFORM, YOU EXPRESSLY ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS, INCLUDING THE MANDATORY ARBITRATION PROVISION AND CLASS ACTION WAIVER SET FORTH IN SECTION 15. IF YOU DO NOT AGREE, YOU MUST IMMEDIATELY CEASE ALL ACCESS AND USE OF THE PLATFORM.

1. Eligibility & Authority

To access or use the Platform, you represent and warrant that:

• You are at least 18 years of age (or the legal age of majority in your jurisdiction).

• You possess the legal capacity, right, and authority to enter into these Terms.

• You are not currently restricted, suspended, or prohibited from using the Platform by Finorima or under any applicable law, sanction, or regulatory decree.

• If you are accessing the Platform on behalf of an entity, corporation, or organization, you represent and warrant that you are authorized to bind that entity to these Terms.

2. Nature of the Platform & Informational Purpose Only

• Community-Driven Discussions: Finorima is a technology platform designed to facilitate social interaction, discussions, educational content, and community-driven insights regarding finance, economics, and markets.

• No Fiduciary Duty: Your use of the Platform does not create any fiduciary, advisory, brokerage, professional, or confidential relationship between you and Finorima.

• No Reliance: All content, data, commentary, financial metrics, charts, third-party links, or user posts are made available strictly for general informational, educational, and entertainment purposes. You assume full responsibility for evaluating the accuracy, completeness, and usefulness of any information available on or through the Platform.

3. Strict Non-Financial, Non-Investment & Non-Legal Advice Disclaimer

• Not a Financial Institution or Advisor: Finorima is not a registered broker-dealer, investment adviser, commodity trading advisor, legal advisor, tax advisor, or financial planner under any federal, state, or international securities laws.

• No Investment Solicitation: Nothing published, transmitted, or hosted on the Platform constitutes a personalized investment recommendation, endorsement, solicitation, or offer by Finorima to buy, sell, or hold any security, cryptocurrency, digital asset, commodity, derivative, financial instrument, or investment strategy.

• Independent Due Diligence: Financial investments, trading, and asset holdings carry significant inherent risks, including the potential total loss of principal. You are solely responsible for your own financial research and decisions. You must consult with a licensed, qualified financial advisor, CPA, or attorney before executing any financial transaction.

4. Account Registration, Security & User Representations

• Account Credentials: You are solely responsible for maintaining the confidentiality of your login credentials (username, password, API tokens) and for all activities that occur under your account. You agree to notify Finorima immediately of any unauthorized use or security breach.

• Accuracy of Information: You agree to provide true, accurate, current, and complete information during registration and to maintain and promptly update your profile information.

• Account Non-Transferability: You may not assign, transfer, or sublicense your account or account rights to any third party without our prior written consent.

5. User Content & Intellectual Property Licensing

• Ownership: You retain all existing ownership rights in the content, text, data, code, images, audio, video, messages, or materials you submit, post, or display on the Platform (“User Content”).

• Worldwide License Grant: By submitting, posting, or displaying User Content on or through the Platform, you grant Finorima an irrevocable, perpetual, non-exclusive, transferable, sublicensable, royalty-free, worldwide license to use, host, store, cache, reproduce, adapt, modify, publish, transmit, distribute, publicly perform, and publicly display such User Content in any media formats and channels now known or later developed, for the operation, promotion, enhancement, advertising, and syndication of the Platform.

• Warranties Regarding User Content: You represent and warrant that:

  • You own or have secured all necessary rights, licenses, consents, and permissions to submit your User Content.

  • Your User Content does not infringe, misappropriate, or violate any third party’s intellectual property, privacy, publicity, or contractual rights.

  • Your User Content does not violate any applicable law, rule, or regulation.

6. Prohibited Conduct & Community Integrity

You agree that you will not, directly or indirectly:

• Market Manipulation: Engage in, organize, or facilitate pump-and-dump schemes, front-running, coordinated spoofing, spread of intentional disinformation, or any activity intended to manipulate market prices or volume.

• Unlawful or Tortious Acts: Post, transmit, or promote unlawful, fraudulent, defamatory, libelous, harassing, predatory, threatening, hateful, or obscene material.

• Data Scraping & Automation: Use any robot, spider, crawler, scraper, data mining tool, automated query, or extraction engine to extract, index, or harvest data, text, or user profiles from the Platform without express written authorization from Finorima.

• System Interference: Introduce viruses, worms, Trojan horses, logic bombs, or other malicious code designed to disrupt, compromise, intercept, or limit the functionality of any software, hardware, or telecommunications network.

• Circumvention & Reverse Engineering: Reverse engineer, decompile, disassemble, decipher, or attempt to derive the source code or underlying algorithms of the Platform.

• Impersonation & False Representation: Impersonate any individual, firm, regulator, certified financial entity, or employee/representative of Finorima.

7. Intellectual Property Rights & Trademarks

• The Platform, its visual interface, graphics, design, compilation, information, data, computer code, software, algorithms, brand names, service marks, logos, and proprietary technology (collectively, “Finorima IP”) are the exclusive property of Finorima and its licensors, protected by United States and international copyright, trademark, trade secret, and other intellectual property laws.

• No license or right is granted to you by implication, estoppel, or otherwise regarding Finorima IP, except for the revocable, non-exclusive, limited license to access and use the Platform strictly in compliance with these Terms.

8. Third-Party Links, Feeds, Services & Integrations

The Platform may include links, financial data feeds, market statistics, or integrations provided by third parties. Finorima does not control, investigate, monitor, or endorse third-party content or services. We are not liable for any loss, damage, inaccuracy, outage, or legal liability resulting from your interaction with or reliance on third-party services, APIs, data feeds, or external websites.

9. Content Moderation, Account Suspension & Termination

• Right to Moderate: Finorima reserves the right, but assumes no obligation, to pre-screen, monitor, review, flag, filter, modify, refuse, or remove any User Content at our sole and absolute discretion.

• Termination by Finorima: We reserve the right to suspend, disable, restrict, or terminate your account and access to the Platform at any time, with or without prior notice, for any conduct that we determine violates these Terms, harms other users, infringes third-party rights, or exposes Finorima to legal liability.

• Survival: Sections 3, 5, 7, 10, 11, 12, 14, 15, and 16 shall survive any expiration or termination of these Terms.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE PLATFORM, SERVICES, AND ALL CONTENT ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.

FINORIMA AND ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS (COLLECTIVELY, THE “FINORIMA PARTIES”) EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT;

• ANY WARRANTIES ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE;

• ANY WARRANTY THAT THE PLATFORM WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, ACCURATE, COMPLETE, RELIABLE, TIMELY, OR FREE OF VIRUSES OR HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE FINORIMA PARTIES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES;

• LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS REPUTATION, OR FINANCIAL TRADING LOSSES;

• DAMAGES ARISING FROM USER CONTENT, UNAUTHORIZED ACCESS, SYSTEM DOWNTIME, TECHNICAL MALFUNCTIONS, OR RELIANCE ON FINANCIAL METRICS.

THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR OTHERWISE), EVEN IF FINORIMA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL THE TOTAL AGGREGATE LIABILITY OF THE FINORIMA PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE PLATFORM EXCEED THE GREATER OF:

1. THE TOTAL AMOUNT PAID BY YOU TO FINORIMA FOR ACCESS TO THE PLATFORM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR

2. ONE HUNDRED UNITED STATES DOLLARS ($0.05 USD).

12. Comprehensive Indemnification

You agree to defend, indemnify, and hold harmless Finorima, its parent companies, subsidiaries, affiliates, and their respective officers, directors, shareholders, employees, contractors, agents, licensors, and service providers (the “Indemnified Parties”) from and against any and all claims, demands, actions, suits, liabilities, damages, judgments, settlements, losses, penalties, fines, costs, and expenses (including reasonable attorneys’ fees and court costs) arising out of or related to:

• Your access to, use of, or misuse of the Platform;

• Any User Content submitted, posted, or transmitted by you or through your account;

• Your violation of these Terms or any applicable local, state, national, or international law, statute, or regulation;

• Your infringement, misappropriation, or violation of any intellectual property, privacy, publicity, proprietary, or contractual right of any third party;

• Any financial transactions, investments, or investment strategies executed or pursued based directly or indirectly on discussions or content retrieved from the Platform;

• Any willful misconduct, fraud, or gross negligence committed by you.

Finorima reserves the right, at your expense, to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to fully cooperate with our defense and settlement of such claims.

13. Digital Millennium Copyright Act (DMCA) / Copyright Policy

If you believe that any material available on or through the Platform infringes your copyright, you may submit a formal DMCA notification to our Designated Copyright Agent containing:

1. An electronic or physical signature of the person authorized to act on behalf of the copyright owner;

2. A description of the copyrighted work claimed to have been infringed;

3. Identification of the URL or specific location on the Platform where the infringing material is located;

4. Your full legal name, physical address, telephone number, and email address;

5. A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law;

6. A statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Designated Agent:

Copyright Compliance Department

Finorima

Email: legal@finorima.com

14. Governing Law & Jurisdiction

These Terms, and all claims, controversies, or disputes arising out of or relating to these Terms or your use of the Platform, shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law rules or principles.

To the extent that any lawsuit or court proceeding is permitted under these Terms, you and Finorima agree to submit to the exclusive personal jurisdiction and venue of the state and federal courts located in Delaware.

15. Dispute Resolution: Mandatory Binding Arbitration & Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

• Informal Negotiation: Before initiating formal dispute proceedings, you and Finorima agree to attempt to resolve any dispute, claim, or controversy informally by sending written notice detailing the dispute to legal@finorima.com. Both parties will engage in good-faith negotiations for thirty (30) days following receipt of notice.

• Binding Arbitration: If the dispute is not resolved through informal negotiations, it shall be finally settled by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and Consumer Due Process Protocol. The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of these Terms.

• CLASS ACTION WAIVER: YOU AND FINORIMA AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A CLASS OR REPRESENTATIVE PROCEEDING.

• Opt-Out Procedure: You have the right to opt out of binding arbitration and the class action waiver by sending written notice of your decision to opt out to legal@finorima.com within thirty (30) days of the date you first accept these Terms.

16. Miscellaneous

• Entire Agreement: These Terms, together with our Privacy Policy and any supplemental terms posted on the Platform, constitute the entire agreement between you and Finorima regarding the Platform and supersede all prior or contemporaneous understandings.

• Severability: If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

• No Waiver: No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term.

• Modifications: We reserve the right to revise or update these Terms at any time. When changes are made, we will update the “Last Updated” date at the top of this document. Your continued use of the Platform following any changes constitutes your binding acceptance of the revised Terms.

17. Contact Information

If you have questions, feedback, or legal inquiries concerning these Terms, please contact us at:

• Support: support@finorima.com

• Legal Inquiries: legal@finorima.com