Terms and Conditions of Use and License Agreement

Overview

This Terms and Conditions of Use and License Agreement (“Agreement”) is entered into by and between you (“you,” “your,” “client,” or “licensee”) and Finnworlds (“we,” “us,” or “Finnworlds”). This Agreement governs your access to and use of Finnworlds’ financial data services, including all content, APIs, downloadable databases, and other services provided through our website (“www.finnworlds.com”) (collectively, the “Services”).

By accessing or using the Services, you acknowledge that you have read, understood, and agreed to be bound by this Agreement and our Privacy Policy. If you do not agree to this Agreement, you may not access or use the Services.

Service Description

  • API Subscriptions: Finnworlds offers access to financial data through APIs. Subscriptions are created on our Website. Upon successful payment, you will receive an API key that enables access to the data for the duration of your active subscription.
  • Standalone Databases: Finnworlds also offers one-time purchases of downloadable financial data sets. These products are licensed for indefinite access unless otherwise stated on the Website.
  • No Ownership Transfer: Your use of our Services does not constitute a transfer of ownership or grant you any intellectual property rights in the data, APIs, software, databases, or related materials.

License and Scope

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Services solely for your internal commercial use or integration into your commercial product or service, subject to this Agreement.

You may:

  • Access and use the APIs during an active subscription.
  • Process, display, and store the data internally or in conjunction with your end-users’ access to your product or service;
  • Use the data in commercial services, provided it is not made publicly or externally accessible in raw data form.

You may not;

  • Resell, sublicense, publish, lease, mirror, or otherwise redistribute the data or API access;
  • Use the Services to create or feed a competing data product;
  • Use the Services or data to provide or simulate financial advice, trading signals, or investment products;
  • Extract or display the data in its raw form in public-facing applications;
  • Reverse engineer, decompile, or attempt to extract source code from the APIs;
  • Circumvent API call limits or security restrictions;
  • Store or use any data after your subscription ends or this Agreement is terminated.

Any unauthorized use constitutes a material breach of this Agreement and may result in immediate termination of access without notice, refund, or liability.

Data Disclaimer

The data provided by Finnworlds is offered “as is.” Finnworlds does not warrant the accuracy, timeliness, completeness, or reliability of any data. The data is intended solely as a raw informational input for technical use and should not be relied upon for investment, trading, or legal decisions.

You understand and agree that:

  • Finnworlds is not a financial institution, investment advisor, or licensed broker-dealer;
  • The Services do not provide personalized financial advice, investment recommendations, or trading strategies;
  • You and your end-users must seek independent financial, tax, legal, or investment advice before making decisions;
  • You are solely responsible for evaluating and validating the data prior to any financial analysis or decisions.

Limitation of Liability

Under no circumstances shall Finnworlds or its affiliates, suppliers, officers, directors, employees, or agents be liable for:

  • Loss of profits, investment losses, lost revenue, lost data, or loss of goodwill;
  • Business interruption, opportunity loss, or reputational damage;
  • Any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or related to your use of the Services or reliance on the data;
  • Errors, inaccuracies, omissions, delays, or disruptions in the Services.

In any case, Finnworlds’ aggregate liability to you under this Agreement for any claim shall be limited to the amount paid by you in the month preceding the claim.

You use the Services at your own risk. Finnworlds disclaims any liability resulting from your reliance on the data or the suitability of the Services for any specific purpose.

Security and Unauthorized Access

Your API key is for your exclusive use. You must take all reasonable steps to prevent unauthorized use, distribution, or disclosure.

You are liable for any damages resulting from third-party use of your API key, whether authorized by you or not.

If you suspect unauthorized access, please notify us immediately at support@finnworlds.com.

Subscription and Pricing

All pricing and features of our subscription plans are listed on our Website and may change at our discretion. You will be notified in advance of any increase to your active subscription pricing.

Subscriptions renew automatically every 30 days until canceled. You may cancel your subscription via the dashboard or by sending a request via email at least 7 days before the next renewal.

All payments are final and non-refundable. Failure to cancel or downgrade your plan in time may result in renewal and billing without recourse. You accept and agree that the Services start immediately upon your receipt of your API key to your email and therefore, you waive your right to 14-day withdrawal right during signup.

Trial periods or promotional pricing may apply where specified. After the trial, standard rates apply unless canceled beforehand.

Termination and Survival

We may terminate or suspend your access to the Services at our sole discretion for breach of this Agreement or other misuse.

All provisions regarding payment obligations, license restrictions, disclaimers, liability limits, and intellectual property shall survive termination.

Intellectual Property

All trademarks, data, software, APIs, and documentation are the sole property of Finnworlds. No ownership rights are transferred to you by virtue of this Agreement.

You agree not to contest or infringe Finnworlds’ rights during or after the term of this Agreement.

Indemnification

You agree to indemnify, defend, and hold harmless Finnworlds and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorneys’ fees) arising from:

  • Your or your end-users’ use of the Services;
  • Any violation of this Agreement;
    Any breach of law or third-party rights by you or your integration of the data.

Force Majeure

Finnworlds is not liable for delays, errors or outages in performance due to causes beyond their reasonable control, including third-party services, labor disputes, cyberattacks, force majeure, server provider or internet issues.

Miscellaneous

  • This Agreement is governed by and construed in accordance with the laws of Bulgaria. Any disputes shall be subject to the exclusive jurisdiction of the competent courts in Bulgaria.
  • You must keep all non-public information received from Finnworlds confidential and use it only for the purpose of this Agreement.
  • Confidentiality obligations survive termination.
  • If any provision is held to be unenforceable, it shall be modified to the minimum extent necessary or severed, and the remainder of the Agreement shall remain in effect.
  • We reserve the right to update this Agreement at any time. Continued use of the Services after updates constitutes acceptance.
  • All notices must be made via email to the email addresses provided on our contact page.

For any questions, send us an email at support@finnworlds.com

Effective Date: 1 July 2025