Terms of Service

FinAlpha is a software-as-a-service platform for market data, company fundamentals, financial news and AI research. FinStock supports company research, comparison, financial analysis and valuation. FinRadar aggregates and analyses news, sentiment and company events. FinData supplies structured financial and market datasets, with API or MCP access where included in the relevant plan.

AI processes a research question through classification, planning, data collection, web research, calculation, report writing and visualisation. Outputs may include explanations, financial metrics, comparisons, valuation models, tables and charts. Research collection may run in parallel; the results are synthesised automatically.

The service supports your research. It does not make investment decisions for you or provide personalised investment recommendations. FinAlpha does not provide brokerage, trading execution, payment services, lending or investment fund services. Purchasing a subscription pays for access to software, data and research features.

Access is delivered digitally through your FinAlpha account. Available features, usage limits, Credits, supported integrations and billing intervals depend on the plan or written enterprise agreement you select. Paid access is supplied after payment as described in the Refund and Cancellation Policy. Internet access and a compatible device are your responsibility.

You must be at least 18 years old and have the legal capacity to enter into these Terms. If you act for an organisation, you must have authority to bind it.

Provide accurate and current account, contact and billing information. Keep your login credentials, authentication codes and devices secure. Notify us promptly if you suspect unauthorised access. You are responsible for use that you authorise and for protecting your credentials; this does not make you responsible for a failure attributable to our systems.

We may request information reasonably necessary to confirm account ownership, investigate misuse or meet an applicable legal obligation. We explain the purpose of such a request. Access may be restricted if a necessary verification cannot be completed. Do not send passwords, one-time codes or full payment card details to support.

For an organisation workspace, the designated administrator manages membership and permissions under its plan. Each user must follow these Terms and the organisation's authorised access rules. Subscription cancellation and account deletion are separate actions.

Use FinAlpha lawfully and within your plan's access rights, data licences and usage limits. You are responsible for ensuring that you may submit the questions, documents and other content you provide, including any personal or confidential information.

You must not:

• Access accounts, datasets or systems without permission; impersonate another person; or provide fraudulent information.
• Disrupt the service, distribute malware, probe vulnerabilities without authorisation, or bypass authentication, usage limits or other security controls.
• Collect, disclose, buy or sell personal data unlawfully, or upload content that infringes privacy, intellectual property rights or trade secrets.
• Use the service for fraud, money laundering, terrorist financing or any other unlawful activity.
• Copy, scrape, redistribute, resell or commercially exploit restricted data, software, trademarks or materials without the necessary permission or licence.

Review the data period, assumptions and calculations before relying on an output. AI can produce incomplete or incorrect results, and market information can change. You remain responsible for your research conclusions and investment decisions.

The price, benefits, usage allowances and renewal cycle of each Membership Plan are disclosed before purchase. The billing interval you select governs that subscription. Prices listed in VND are the primary prices; any amount marked ~ in USD is an approximation. The payment currency, any conversion rate and any conversion fee are shown before you confirm payment.

Payment is handled by the designated payment intermediary, which acts as merchant of record for the applicable tax obligations in your country of residence. We do not directly receive or hold your payment card information. Displayed prices include applicable taxes calculated by that intermediary, which determines, collects and remits those taxes.

Invoices or payment documents are issued by the designated payment intermediary as required by the law of your country of residence and sent to your registered email address. You must provide accurate billing information and pay the agreed fees on time.

If you subscribe to automatic renewal, your plan renews for the billing interval disclosed at purchase until you cancel. You may cancel online at any time by a process no more complex than subscribing. Cancellation takes effect at the end of the current paid cycle, and access continues until then unless the account is lawfully restricted for a violation.

We give at least 30 days' notice before a service price increase or other price adjustment takes effect. You may end your plan before the new price applies. A new price applies only from the next billing cycle.

If payment fails, the payment intermediary may retry the authorised payment and you may be asked to update your payment method. We may restrict or suspend unpaid access while an outstanding payment is resolved. A payment failure does not waive any cancellation or refund right provided by mandatory law.

Contact us if you suspect a duplicate, incorrect or unauthorised charge. We may request the account email, order reference, date, amount and relevant evidence to reconcile it with the payment intermediary. We may investigate suspected fraud and apply proportionate restrictions, but do not restrict your right to raise a genuine payment dispute or exercise statutory rights.

The Refund and Cancellation Policy sets out the full rules for paid plans and Credits. Because data analytics and AI services consume resources when used, payments are generally final and non-refundable, subject to the exceptions below and mandatory consumer law. The Refund and Cancellation Policy governs if a general summary in these Terms differs from its detailed provisions.

Credits may be used only for services provided by the Company within FinAlpha. The Credits price for each service is disclosed before use. Credits cannot be transferred between accounts or converted into money, do not earn interest or increase in value, and are not a means of payment, electronic money, a digital asset or a security. Promotional Credits have a disclosed validity period and are non-refundable.

Purchased Credits are not refundable in money, including when unused, provided this has been clearly disclosed and separately confirmed before payment. We restore Credits without charge when a system error deducts them incorrectly or when a service deducts Credits but cannot be performed.

Cancelling automatic renewal stops the next billing cycle. It does not normally create a refund or a pro-rated refund for the unused part of the current cycle. You keep the plan's benefits until that cycle ends, except where an account is locked for a violation.

We consider refunds case by case for an extended inability to access the service caused by a system error within our control, a duplicate or incorrect charge caused by a payment gateway error, or verified unauthorised use of the account for payment.

If we lock or terminate your account for reasons not arising from your fault, or stop providing a service plan or a principal feature of that plan, the fee corresponding to the remaining paid period is refunded. Voluntary termination or termination for an established serious violation does not normally entitle you to a refund.

You retain any statutory right to withdraw from a distance contract under the law of your country of residence. Before immediate supply begins, you request immediate provision and receive information and confirmation about its effect on withdrawal rights. For digital content, withdrawal rights end when supply begins where the applicable legal conditions are met. Where withdrawal remains available for an ongoing service, the amount for the service already supplied may be deducted as permitted by law.

Send a withdrawal or refund request by email or through an available website or application function. A withdrawal notice requires no particular form. Refunds for statutory withdrawal are made within 14 days of receiving the notice. Other valid refund requests are processed within no more than 15 working days. Refunds use the original means of payment through the designated intermediary, with no additional fee.

Nothing in these Terms limits mandatory consumer remedies for a service or digital content that does not conform to the contract, including remediation, a price reduction or termination.

Our Privacy Policy describes the information we process, its purposes, recipients, retention, security and your rights. This can include account information, research inputs, service usage, technical records, support messages and subscription records, depending on the features you use.

Submit personal data only where you have a lawful basis and the necessary permissions. Do not include passwords, payment card information or unnecessary sensitive personal data in AI questions, uploads or support messages.

You can manage browser storage and cookies through your browser settings; disabling essential storage may affect features. Personal data is retained for the purposes described in the Privacy Policy and applicable legal requirements, rather than indefinitely by default.

We apply reasonable organisational, technical and physical safeguards appropriate to the information and the service, including access controls, encryption, monitoring and backups where applicable. No internet service or transmission method can be guaranteed completely secure.

We investigate security incidents, take steps to limit their impact and notify affected users and competent authorities when required by applicable law. Contact contact@fintechai.vn if you suspect unauthorised disclosure or a security incident involving your account.

The software, code, interfaces, designs, trademarks and service materials belong to the Company or its licensors. Subject to these Terms and your plan, you receive permission to access and use the service; no ownership of the underlying software or datasets is transferred.

You retain the rights you hold in the content you submit. You authorise us to process that content as needed to provide and secure the service and respond to your requests, in accordance with the Privacy Policy.

Your use of reports, charts, research outputs and underlying data must respect applicable third-party rights and your plan's licence. AI-generated material may not be unique. Access to an output does not grant an unrestricted right to redistribute licensed market data or third-party content.

Do not copy, modify, distribute, reverse engineer or commercially exploit the service or protected materials except where your licence or applicable law permits it.

FinAlpha may use third-party infrastructure, data and AI providers to deliver the service. Optional logins, embedded videos, notification channels and integrations can also connect you to another provider. Only enable an integration if you are authorised to share the information it requires.

Independent third-party services have their own terms and privacy practices. We do not control their independent content or availability. This does not exclude our responsibilities for providers processing information on our behalf, or any liability that cannot be excluded by law.

API and MCP access, where included in your plan, is subject to its authentication, permission, usage and data-licensing requirements. Keep access keys secure and do not use an integration to circumvent service restrictions.

The service is provided on an "as is" and "as available" basis to the extent permitted by law. We do not guarantee uninterrupted availability, error-free AI outputs or that every dataset is complete and current. Valuation results depend on their inputs and assumptions; indicators and sentiment analysis are research tools.

No report, calculation, forecast or other output guarantees a financial result, profit or investment performance. Markets can change and losses can occur. You decide whether and how to use research outputs.

To the extent permitted by law, we are not liable for indirect losses, lost profits or data loss arising from device faults, internet failures, malware, independent third-party actions or your failure to protect account credentials. This exclusion does not remove liability or consumer rights that applicable law does not allow us to exclude, or our refund obligations under these Terms.

We may restrict, suspend or terminate access for a material breach of these Terms, overdue payment, suspected fraud, a security threat, failure to provide reasonably necessary account verification, or a lawful request from a competent authority. Restrictions should be proportionate to the issue; immediate action may be necessary to protect users or systems or comply with law.

You may stop using the service and cancel renewal at any time. Contact support if you also want to close the account or exercise deletion rights. Closing an account does not remove legal retention obligations or automatically settle amounts already due.

The refund rules in Section 5 apply to termination and discontinued service plans or principal features. Provisions that by their nature must continue, including intellectual property, outstanding payment obligations, privacy obligations and dispute resolution, survive termination.

We may update these Terms and will publish the revised text with its last-updated date. We will give notice of material changes where required by law. Price adjustments follow the 30-day notice and next-cycle rules in Section 4.

Continued use after an update takes effect constitutes acceptance to the extent permitted by law. Where an amendment requires express consent, we will obtain it. An update does not remove rights that have already arisen or mandatory consumer protections.

These Terms are governed by Vietnamese law. We encourage you to contact us first so that a concern can be addressed through discussion or mediation. If it cannot be resolved, either party may refer it to the competent court or authority, or to arbitration where validly agreed.

This provision does not deprive consumers of mandatory protections or access to remedies available under the law of their country of residence. If a provision is unenforceable, the remaining provisions continue to apply to the extent permitted by law.

Service provider: Fintech AI Joint Stock Company. Customer support, legal and contractual enquiries, cancellation and refund requests: contact@fintechai.vn. Hotline: 0967915569.

For a billing or account request, include your registered email and relevant order reference so that we can identify the issue. Do not include your password, one-time authentication code or full payment card details.