Terms of Service

Effective and last updated: August 26, 2026

These Terms are an agreement between you and the operator of Fin Eye (“Fin Eye,” “we,” “us,” or “our”) and apply when you access, register for, purchase, or use this website and related services. By using the service or accepting these Terms at checkout, you confirm that you have read, understood, and accepted these Terms, including the Refund Policy. If you do not agree, do not use or purchase the service.

1. Nature and scope of the service

Fin Eye organizes publicly available financial-creator content and uses automated systems for security mapping, opinion extraction, market-data association, and standardized simulation. It provides educational, information-retrieval, and research-support tools. It is a digital software-as-a-service product for which access is delivered immediately after confirmed payment; no physical goods are delivered.

Fin Eye is not an issuer, broker, exchange, investment adviser, asset manager, fiduciary, or representative of any creator.

2. No investment advice

Opinion summaries, ratings, return curves, rankings, risk profiles, trading actions, and AI-generated outputs are research information or hypothetical simulations. They are not investment advice, trading instructions, guarantees, offers, solicitations, or suitability determinations. You remain responsible for decisions made in light of your circumstances, risk tolerance, and professional advice, and you bear the resulting investment risk.

3. Accounts, eligibility, and security

You must have legal capacity to enter into these Terms and provide accurate, valid information. You must safeguard your credentials and remain responsible for activity under your account. You may not sell, transfer, or share an account, bypass access controls, or impersonate another person. If unauthorized use is suspected, end the affected sessions and notify us through the contact channel below.

4. Plans, prices, and billing periods

The current standard plans are set out below. The price, currency, tax, billing period, and features displayed for your review immediately before checkout control your purchase:

• If promotions, discounts, taxes, or local payment rules change the price, the amount clearly displayed and accepted at checkout controls.
• Unused Pro time is extended only after the server verifies a new successful payment. Redirects, screenshots, and payment assertions are not proof of settlement.
• Foreign-exchange, cross-border, or other charges imposed by a payment provider, card issuer, or bank are not Fin Eye service fees.

5. Purchases, validity, and expiration

Fin Eye offers only one-time monthly and annual plan purchases. These plans do not renew or charge automatically. Whether you use Waffo Pancake or Alipay, each order must be actively confirmed and paid by you. We will not automatically charge you when access expires.

Each successful monthly-plan payment adds 30 days of Pro access, and each successful annual-plan payment adds 365 days. Existing unused time is extended. No further charge occurs at expiration; you may make another purchase if desired. Future price changes apply only to a new order that you actively confirm, at the price displayed before payment.

6. Third-party payments

Payments may be processed by Alipay, Waffo Pancake, or another lawful provider and are also subject to that provider's terms. Fin Eye activates or extends access only after verifying a valid server notification from the provider. Issues involving a payment account, card, network, bank, or provider may also require you to contact the relevant provider.

7. Refund Policy

General rule: The service is an intangible digital service for which access is delivered immediately after payment confirmation. Except for the circumstances expressly identified below or where mandatory law requires otherwise, monthly-plan, annual-plan, and other service fees are non-refundable.

Eligible refund or remedy circumstances:

• A duplicate charge or incorrect charge amount caused by Fin Eye or the payment system;
• Payment succeeded but the corresponding Pro access was not activated due to a Fin Eye system failure that we cannot remedy within 72 hours after receiving complete supporting information;
• A verified outage of paid core functionality caused by the service itself and lasting continuously for more than 72 hours, in which case we may issue a proportional refund or equivalent service extension;
• Any non-waivable withdrawal, refund, or consumer right provided by applicable law.

Time limits and request procedure: Requests concerning duplicate charges, incorrect charges, or missing access must be submitted within 30 calendar days after the charge. An outage request must be submitted within 7 calendar days after restoration. Statutory refunds follow the applicable statutory period. Sign in and submit through “Request a creator / Share feedback”, enter “Billing / Refund” as the page or module, and provide the account email, payment provider, merchant order or transaction ID, payment date, amount, and reason. Do not submit a card number, password, or verification code.

We will acknowledge the request within 2 business days and normally complete eligibility review within 5 business days after receiving complete information. Approved refunds are returned to the original payment method. Receipt generally takes 5–10 business days and may be affected by the payment provider, bank, holidays, or cross-border settlement. When a refund succeeds, the Pro access attributable to that payment will be revoked or reduced.

Normally non-refundable circumstances:

• Change of mind, non-use or low use, or subjective dissatisfaction with a feature;
• A paid-plan access period that was delivered and used normally, or a request made outside the time limits above;
• Exchange-rate differences, fees, taxes, or chargeback costs imposed by a bank, card issuer, or payment provider;
• An account suspended or terminated for violation of these Terms;
• Failure to provide information sufficient to verify the account and transaction.

This section does not limit consumer rights that cannot lawfully be excluded. Mandatory law controls in the event of a conflict.

8. Data, models, and simulated results

Public content, transcripts, prices, and corporate-action data may be incomplete, delayed, deleted, or corrected. Automated extraction, translation, security mapping, and AI judgments may be wrong. Simulations apply standardized assumptions, timestamps, and execution rules; they are not a creator's actual holdings, fills, account returns, or replicable performance.

9. Acceptable use

You may use the service for lawful personal research and authorized internal analysis. Without written permission, you may not scrape or resell data at scale, reproduce the core database, evade access or billing controls, disrupt the service, distribute malicious code, infringe third-party rights, facilitate unlawful trading activity, or use the Fin Eye name to provide advice or return guarantees.

10. Intellectual property and third-party material

Fin Eye software, interfaces, analytical structures, branding, and original content are protected by applicable law. Videos, posts, avatars, trademarks, and other third-party material remain the property of their respective owners. A reference or link does not constitute endorsement or a warranty of accuracy, position, or continued availability.

11. Changes and availability

We may change, suspend, or discontinue functionality for security, compliance, licensing, maintenance, or operational reasons and will use reasonable efforts to limit disruption. Network conditions, market closures, source restrictions, third-party services, AI models, payment-system failures, and force majeure may interrupt the service. Continuous, error-free, or real-time availability is not promised.

12. Disclaimers and limitation of liability

To the maximum extent permitted by applicable law, the service is provided “as is” and “as available,” without express or implied warranties of merchantability, fitness for a particular purpose, accuracy, completeness, uninterrupted operation, or absence of errors. Fin Eye is not liable for investment outcomes, lost opportunities, trading losses, lost data, or indirect, incidental, special, punitive, or consequential losses arising from reliance on the service.

13. User breach and responsibility

If you violate these Terms, applicable law, or third-party rights, you must stop the violation, take reasonable steps to mitigate its effects, and cooperate with a reasonable investigation. We may issue a warning, limit functionality, suspend or terminate an account, revoke improperly obtained benefits, and preserve evidence. To the extent permitted by law, you are responsible for direct losses and reasonable enforcement costs caused by your breach and for third-party claims to the extent attributable to your conduct.

14. Suspension and termination

We may restrict or terminate access where an account is involved in illegality, fraud, abusive chargebacks, abuse, system attacks, infringement, or a material breach of these Terms, and may retain records needed for security, payment disputes, and legal obligations. You may stop using the service at any time. Fin Eye will not create an order or charge you automatically when monthly or annual access expires.

15. Governing law and jurisdiction

These Terms and any dispute concerning their formation, validity, interpretation, or performance are governed by the laws of mainland People's Republic of China, without regard to conflict-of-law rules. The parties will first attempt in good faith to resolve a dispute for 30 days. If unresolved, either party may bring proceedings before a court of competent jurisdiction at the domicile of the Fin Eye service operator. Any non-waivable consumer protection right or jurisdiction available under mandatory law where you reside remains unaffected.

16. Updates and contact

We may update these Terms to reflect legal, product, or billing changes and will identify the new effective date on this page. Where reasonably practicable, material changes affecting plan prices or core user rights will be highlighted before your next purchase. Billing, refund, legal, or other questions may be submitted through the website request and feedback channel. Personal-data handling is governed by the Privacy Policy.