Terms of Service

Finaxus is an AI financial agent that operates through messaging platforms. It connects to your brokerage accounts and data providers, monitors your portfolio and watchlist, and communicates with you in natural conversation. Finaxus does not provide financial advice. It does not act as a financial advisor, broker, investment manager, or fiduciary. All outputs — including analysis, alerts, and suggestions — are informational only and do not constitute a recommendation to buy, sell, or hold any asset.

By accessing or using Finaxus, you agree to these Terms and our Privacy Policy. You must be at least 18 years old to use the service. If your jurisdiction requires a higher minimum age, that higher age applies. If you do not agree to these Terms, you may not use Finaxus.

Finaxus does not supply an AI model. You connect your own — Claude (Anthropic), GPT (OpenAI), or Gemini (Google) — using your own API key. By connecting your AI provider, you acknowledge that: — Your use of that provider is subject to their own terms and privacy policies — All AI-generated outputs are produced by your chosen provider, not by Finaxus — Your API costs are your sole responsibility — Finaxus passes your messages to your provider but does not store their content beyond temporary session storage Finaxus orchestrates your AI model. It does not control, warrant, or guarantee the accuracy, completeness, or reliability of AI outputs.

You may connect brokerage accounts and data providers via API key or OAuth. By doing so, you authorize Finaxus to make authenticated API requests to those services on your behalf to retrieve data and, where you explicitly request it, to initiate actions. You acknowledge that: — Finaxus is not a broker, exchange, custodian, clearing firm, or financial institution — We do not hold, move, or have custody of any funds at any time — You are responsible for ensuring your use of each connected service complies with that service's terms — API credentials must be your own and authorized for programmatic third-party use — Finaxus is not liable for errors, downtime, or data inaccuracies from connected brokers or providers

The Heartbeat is an automated monitoring feature that runs on a schedule you configure. It fetches live market data, evaluates your portfolio and watchlist against your stated preferences, and sends alerts when conditions you set are met. You acknowledge that: — Heartbeat is automated and operates on a best-effort basis — it may not capture every market event — Alerts are informational. They are not instructions to trade and do not constitute financial advice — You are solely responsible for any investment decisions made based on alerts — Finaxus does not guarantee uptime, continuous monitoring, timely alert delivery, or the accuracy of underlying market data — Monitoring may be interrupted due to maintenance, infrastructure issues, third-party API failures, or circumstances beyond our control — The heartbeat includes a significance pre-filter that skips the AI analysis step when no actionable signals are detected (no price move ≥ 2%, no recent news, no target/stop triggered, no macro events). Alerts configured below these thresholds may not fire during quiet market periods

Finaxus includes an optional Action Mode feature. When enabled, the agent may include trade suggestions alongside alerts. If you confirm a suggested action, the agent will attempt to execute it via your connected broker. You acknowledge that: — Action Mode is an opt-in feature that you explicitly enable — You are solely responsible for every trade you confirm, including reviewing the suggested action before confirming — Finaxus is not liable for order failures, incorrect executions, slippage, broker API errors, or any financial loss resulting from executed or attempted trades — Trade execution is subject to your broker's availability, terms, and API limitations — Finaxus does not act as your broker, agent, or fiduciary in executing any trade Trade execution is currently in development. This section applies once the feature is live.

Nothing provided by Finaxus — including AI-generated analysis, price data, earnings information, news summaries, portfolio overviews, watchlist alerts, macro event data, or any other output — constitutes financial, investment, legal, tax, or accounting advice. Finaxus is a tool to help you stay informed. You are solely responsible for your investment decisions. Always conduct your own research and, where appropriate, consult a qualified financial professional before making any financial decision. AI outputs may be inaccurate, incomplete, or outdated. Never rely on them as your sole basis for any decision.

You agree not to: — Use Finaxus for any unlawful purpose or in violation of any applicable law or regulation, including securities laws — Use the service to facilitate market manipulation, insider trading, or any form of market abuse — Attempt to reverse-engineer, scrape, probe, or disrupt the platform or its infrastructure — Share, sell, or transfer your account or credentials to any third party — Impersonate any person or entity or misrepresent your affiliation with any person or entity — Interfere with the availability or integrity of the service for other users Violations may result in immediate account suspension or termination.

Finaxus, its software, brand, and all associated platform content are owned by Finaxus or its licensors. You may not reproduce, distribute, modify, or create derivative works from any part of the platform without prior written permission. Your workspace documents — portfolio notes, watchlist entries, monitoring preferences — remain yours. You grant Finaxus a limited, non-exclusive license to store and process them solely to operate the service on your behalf.

We aim to maintain reliable availability of Finaxus but do not guarantee uninterrupted or error-free access. We may: — Modify, suspend, or discontinue any feature or the entire service at any time — Perform scheduled or emergency maintenance that temporarily limits access — Suspend or terminate accounts that violate these Terms or that pose a risk to the platform or other users We will provide at least 30 days' advance notice of material changes or service discontinuation where reasonably possible.

You may close your account at any time by contacting malik@finaxus.ai. Upon closure: — Your credentials and workspace documents will be deleted within 30 days — Your conversation history will be cleared immediately — Connected broker and data provider credentials will be removed immediately If we suspend or terminate your account for a Terms violation, we will notify you by email where reasonably possible. You may contact malik@finaxus.ai to appeal a suspension.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINAXUS DISCLAIMS ALL WARRANTIES — EXPRESS, IMPLIED, OR STATUTORY — INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, UNINTERRUPTED, SECURE, OR THAT ANY DATA — INCLUDING PRICES, PORTFOLIO VALUES, OR MARKET INFORMATION — WILL BE ACCURATE, COMPLETE, OR TIMELY. INVESTMENT IN FINANCIAL INSTRUMENTS INVOLVES RISK. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FINAXUS AND ITS TEAM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO INVESTMENT LOSSES, MISSED TRADING OPPORTUNITIES, LOSS OF FUNDS, LOSS OF DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE — REGARDLESS OF THE THEORY OF LIABILITY AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF THESE TERMS OR YOUR USE OF FINAXUS SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO FINAXUS IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) USD $100. Nothing in this clause limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any other liability that cannot be excluded or limited under applicable law.

You agree to indemnify, defend, and hold harmless Finaxus and its team from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: — Your use of the service — Your breach of these Terms — Your violation of any applicable law or regulation — Your violation of any third-party right, including broker terms of service

These Terms are governed by the laws of France, where the founder is based, without regard to conflict of law principles. This governing jurisdiction is provisional and will be updated upon formal incorporation. Any dispute arising out of or relating to these Terms or your use of Finaxus that cannot be resolved through good-faith negotiation shall be submitted to the competent courts of France. Before initiating any formal proceeding, you agree to contact us at malik@finaxus.ai and attempt to resolve the dispute informally for at least 30 days.

We may update these Terms as the product and its legal structure evolve. We will post the updated effective date above. Continued use of Finaxus after changes constitutes acceptance of the updated Terms. For material changes, we will notify you directly where possible.

Questions about these Terms: malik@finaxus.ai