1. Acceptance of Terms

By accessing or using FinleyBook's services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

1.1 Service Description

FinleyBook provides a personal financial management platform, including but not limited to:

Financial data recording and categorization
Budgeting and spending analysis
Financial report generation
Investment portfolio tracking
Secure data storage and backup services

1.2 Service Availability

We strive to ensure continuous availability of services but do not guarantee 100% uninterrupted service. We may temporarily suspend services for maintenance, upgrades, or other technical reasons, and will try to notify you in advance.

2. Account Registration and Management

2.1 Registration Requirements

You must be at least 18 years old
Provide accurate, complete, and up-to-date registration information
Choose a secure password and protect account security
Only one account per person (unless explicitly permitted by us)
Do not register using another person's identity

2.2 Account Security

You are responsible for protecting your login credentials
Do not share your account information with others
Contact us immediately if you notice any suspicious account activity
You are responsible for all activities under your account

3. User Conduct

3.1 Prohibited Conduct

When using our services, you must not:

Upload false, misleading, or illegal information
Attempt unauthorized access to our systems or other users' accounts
Use automated tools (e.g., bots, crawlers) to access our services
Interfere with or disrupt the normal operation of our services
Infringe upon others' intellectual property or privacy rights
Engage in any illegal activity or assist others in doing so
Send spam or engage in malicious marketing

3.2 Data Accuracy

You promise that the financial data provided is true, accurate, and complete. False data may lead to incorrect analysis results and affect your financial decisions.

4. Fees and Payments

4.1 Free Services

We provide basic free services, including:

Basic financial recording features
Simple budget management
Basic report generation
Limited storage space

4.2 Paid Services

Our paid plans include additional features:

Advanced analysis and AI suggestions
Unlimited data storage
Portfolio management
Priority customer support
Advanced reporting and export features

4.3 Payment Terms

Paid services are billed monthly or annually
Fees are charged at the beginning of the service period
All fees are non-refundable unless required by law
We reserve the right to adjust prices but will notify you 30 days in advance

5. Intellectual Property

5.1 Our Rights

FinleyBook platform, software, technology, trademarks, copyrights, etc., are owned by us. You are granted only a license to use the services, not a transfer of any intellectual property rights.

5.2 User Content

Data and content you upload to our platform remain yours. You grant us the right to use, process, and store such content as necessary to provide the services.

5.3 Feedback and Suggestions

Any feedback, suggestions, or ideas you provide to us may be used freely by us without any fee or obligation to you.

6. Disclaimer

6.1 Services Provided "As Is"

Our services are provided "as is" without any express or implied warranties. We do not guarantee that the services will be completely error-free, uninterrupted, or meet your specific needs.

6.2 Financial Advice Disclaimer

The analysis, suggestions, and insights we provide are for reference only and do not constitute professional financial advice. You should consult a professional financial advisor before making any financial decisions.

6.3 Data Loss Risk

Although we take reasonable data protection measures, we cannot guarantee that your data will not be lost. We recommend that you regularly backup important data.

7. Limitation of Liability

To the maximum extent permitted by law:

Our total liability shall not exceed the fees you paid to us in the past 12 months
We are not liable for any indirect, special, incidental, or consequential damages
We are not liable for any damages caused by the use or inability to use the services
We are not liable for third-party actions or content

8. Termination of Service

8.1 Your Termination Rights

You can stop using our services at any time
You can delete your account in account settings
Paid subscriptions will automatically terminate at the end of the current billing cycle

8.2 Our Termination Rights

We may suspend or terminate your account in the following circumstances:

Violation of these Terms of Service
Engaging in illegal activities
Long-term inactive accounts
Failure to pay fees on time
Existence of security risks

9. Dispute Resolution

9.1 Negotiation

If a dispute arises, we encourage both parties to first resolve it through friendly negotiation. You can contact us through our customer service channels.

9.2 Governing Law

These Terms are governed by the laws of the People's Republic of China. Any dispute shall be submitted to the People's Court of Chaoyang District, Beijing for resolution.

10. Terms Modification

We may update these Terms of Service from time to time. Significant changes will be notified to you by:

Posting update notices on the website
Email notifications
Displaying alerts in the application

11. Contact Information

If you have any questions regarding these Terms of Service, please contact us via:

Contact Information

Support Email

support@finleybook.com

Legal Email

legal@finleybook.com

Phone

400-123-4567

Hours

Mon-Fri 9:00-18:00

Address

No. xxx, xxx Road, Chaoyang District, Beijing, FinleyBook Technology Co., Ltd.

12. Other Terms

12.1 Entire Agreement

These Terms of Service together with our Privacy Policy constitute the entire agreement between you and us, superseding all prior oral or written agreements.

12.2 Severability

If any part of these Terms is found to be invalid or unenforceable, the remaining parts shall remain valid and enforceable.

12.3 No Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision.

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