Terms & Conditions

1. Acceptance of Terms

These Terms and Conditions ("Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and FinBoost Inc ("Company," "we," "us," or "our"). By accessing, browsing, or using our website, applications, or related services (collectively, the "Services"), you accept and agree to this Agreement in its entirety.

If you are using the Services on behalf of a business or legal entity, you represent that you have authority to bind that entity to this Agreement. We may update these Terms at any time. Continued use of the Services after changes are posted constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 18 years of age to use the Services. By using the Services, you represent and warrant that you meet this requirement and that all information you provide is accurate, current, and complete. We reserve the right to refuse access to anyone who does not meet these requirements.

3. User Accounts

3.1 Account Creation

Certain features require account creation. You agree to provide accurate, complete, and current information and keep your account details up to date.

3.2 Account Security

You are solely responsible for protecting your login credentials and all account activity. You must notify us immediately of any unauthorized access or suspected breach.

3.3 Account Restrictions

You may not share credentials, create multiple accounts to bypass restrictions, or use another person's account without authorization.

4. Use of Services

4.1 Permitted Use

Subject to this Agreement, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for lawful personal or internal business purposes.

4.2 Prohibited Conduct

Use the Services for unlawful purposes or in violation of laws.
Attempt unauthorized access to Services, servers, or networks.
Reverse engineer, decompile, or disassemble any part of the Services.
Introduce malware, viruses, or harmful code.
Use bots/scrapers/crawlers without our prior written consent.
Reproduce, resell, or transfer Services without authorization.
Remove proprietary notices.
Impersonate any person or entity.
Interfere with other users' access or enjoyment of Services.

5. Intellectual Property

All content, software, designs, logos, trademarks, and materials on the Services ("Company IP") are owned by FinBoost Inc or licensors and are protected by applicable law. Nothing grants ownership rights in Company IP.

You retain ownership of content you submit ("Your Content"). You grant us a limited, royalty-free license to use and process it as necessary to provide Services.

If you provide feedback, you grant us a perpetual, irrevocable, royalty-free license to use it without obligation.

6. Credits & Payments

6.1 Credit-Based Model

Certain features use a credit-based system. Credits are prepaid virtual units consumed when specific actions are used. Credits have no value outside the platform.

6.2 Purchasing Credits (Top-Up)

Pay-as-you-go top-up model; no recurring subscription by default.
Payment methods are shown at checkout via secure processors.
Prices shown exclude applicable taxes.
No auto-renewal unless you initiate a new purchase.
Pricing may change with at least 30 days advance notice.

6.3 Credit Consumption

Credits are deducted when a credit-enabled action is executed. Costs are shown before confirmation. Credits are consumed once an action is initiated.

6.4 Credit Expiry

Some packs may not expire until used or account closure.
Some packs may include an expiry date disclosed at purchase.
Unused credits on closed accounts are subject to Section 7.

7. Refund Policy

7.1 General Policy

Credit purchases are final and non-refundable once consumed, except where required by law or as described below.

7.2 Refunds on Unused Credits

Account closure by us without cause (unused, unexpired credits).
Cooling-off request within 14 days if no credits were used.
Verified erroneous deduction due to platform fault.
Duplicate billing charges.
Any statutory rights under applicable law.

7.3 Non-Refundable Credits

Consumed or partially used credits.
Expired credits.
Bonus, promotional, or gifted credits.
Credits on suspended/terminated accounts for Agreement violations.
Credits tied to resolved chargebacks/disputes.

7.4 How to Request a Refund

Contact support@loangen.ai with account details and request context. Valid requests are targeted for processing within 10 business days.

8. Privacy

Use of the Services is also subject to our Privacy Policy at https://loangen.ai/privacy.

9. Third-Party Services & Links

Services may include links/integrations with third parties. We do not control or endorse third-party services and are not responsible for them.

10. Disclaimer of Warranties

SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINBOOST INC AND ITS AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES. AGGREGATE LIABILITY WILL NOT EXCEED THE GREATER OF (A) FEES PAID IN THE PRIOR 12 MONTHS OR (B) $100 USD, EXCEPT FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD.

12. Indemnification

You agree to indemnify and hold harmless FinBoost Inc and affiliates from claims and expenses arising from Agreement violations, unlawful use, infringement, or Your Content.

13. Termination

You may terminate your account anytime. We may suspend/terminate access with or without cause, including for Agreement violations. Certain sections survive termination.

14. Dispute Resolution

14.1 Informal Resolution

Before legal action, contact support@loangen.ai with a written dispute description. We will attempt informal resolution within 45 days.

14.2 Governing Law

Governed by the laws of the State of Delaware, United States.

14.3 Jurisdiction

Exclusive jurisdiction is the federal and state courts in Delaware.

14.4 Class Action Waiver

Disputes must be brought individually, not as class or representative actions.

15. Modifications to this Agreement

We may update this Agreement by posting a revised version and effective date. For material changes, we provide at least 30 days notice. Continued use constitutes acceptance.

16. General Provisions

Entire Agreement: includes incorporated policies.
Severability: invalid terms do not invalidate remaining terms.
Waiver: non-enforcement is not a waiver.
Assignment: restricted without consent, except corporate transactions.
Force Majeure: no liability for events beyond reasonable control.