Terms and Conditions

01 Acceptance of Terms

By accessing, browsing, or otherwise using the website located at finonity.com (the “Site”), you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions (“Terms”), together with our Privacy Policy and Editorial Policy, which are incorporated herein by reference.

We reserve the right to modify, amend, or replace these Terms at any time at our sole discretion. The date of the most recent revision will always be displayed at the top of this page. Your continued access to or use of the Site following the posting of any changes constitutes acceptance of those changes. We encourage you to review these Terms periodically.

If you do not agree to these Terms in their entirety, you must discontinue use of the Site immediately.

02 Description of Service

Finonity is an independent digital financial news publication providing:

• Original news reporting and editorial analysis covering global equities, foreign exchange, cryptocurrency, commodities, and macroeconomics
• Market data, price information, and charting tools sourced from third-party data providers
• Financial commentary, opinion columns, and expert perspectives
• Educational content designed to improve financial literacy
• Curated market intelligence, trend analysis, and sector-specific deep dives

All content on this Site is provided for general informational and educational purposes only and is intended for an audience of adult readers who understand the inherent risks of financial markets.

03 Not Financial Advice

• We do not provide personalised investment recommendations or portfolio management services
• We do not recommend buying, selling, holding, or otherwise transacting in any security, financial instrument, or digital asset
• References to specific securities, assets, or strategies are for illustrative and informational purposes only and do not constitute endorsements
• Past performance of any asset, market, or strategy is not indicative of, and does not guarantee, future results
• All investments carry risk, including the potential total loss of principal

You are solely responsible for evaluating the merits and risks of any investment decision. You should consult with a qualified financial advisor, licensed broker, tax professional, and/or legal counsel before making any financial decisions. Finonity accepts no responsibility or liability for any investment decisions made in reliance on information published on this Site.

04 Accuracy of Information

Finonity’s editorial team endeavours to ensure the accuracy, timeliness, and completeness of all published content. However, financial markets are dynamic and information can change rapidly. We cannot and do not guarantee that all information on the Site is accurate, current, or complete at all times.

Information may be sourced from third-party providers, public filings, press releases, government agencies, and other publicly available sources. While we take reasonable steps to verify the reliability of these sources, we cannot independently confirm the accuracy of all third-party data.

Errors, omissions, or outdated information discovered will be corrected in accordance with our Corrections Policy. Readers who identify inaccuracies are encouraged to report them to [email protected].

05 No Warranties

The Site and all content, features, and services made available through it are provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory.

To the fullest extent permitted by applicable law, Finonity disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Any warranty that the Site will be available uninterrupted, secure, timely, or error-free
• Any warranty that the information on the Site is accurate, complete, reliable, or current
• Any warranty that the Site is free of viruses, malware, or other harmful components
• Any warranty that defects, errors, or inaccuracies will be corrected in any particular timeframe

Your use of the Site and reliance on any content or information obtained through it is at your own risk.

06 Limitation of Liability

To the maximum extent permitted by applicable law, Finonity, its owners, officers, directors, employees, agents, affiliates, partners, and content providers shall not be liable for any:

• Direct, indirect, incidental, special, consequential, exemplary, or punitive damages of any kind
• Loss of profits, revenue, data, goodwill, business opportunities, or anticipated savings
• Damages resulting from your access to, use of, or inability to use the Site
• Damages resulting from reliance on any content, data, or information obtained from the Site
• Damages resulting from any investment, trading, or financial decisions made based on our content
• Damages caused by errors, omissions, interruptions, deletions, defects, or delays in operation
• Damages arising from unauthorised access to or alteration of your transmissions or data

This limitation of liability applies regardless of the legal theory on which the claim is based, including contract, tort (including negligence), strict liability, or otherwise, and regardless of whether Finonity has been advised of the possibility of such damages.

In jurisdictions that do not permit the exclusion or limitation of liability for certain types of damages, our liability shall be limited to the maximum extent permitted by applicable law.

07 Investment Risk Disclosure

You should be aware of the following risks, among others:

• Equities: Stock prices are inherently volatile and can decline significantly, including to zero, due to company-specific events, sector trends, or broader market conditions
• Foreign Exchange (Forex): Forex trading involves leverage, which can amplify both profits and losses. You may lose more than your initial deposit
• Cryptocurrency: Digital asset markets are highly volatile, largely unregulated in many jurisdictions, and may be subject to market manipulation, fraud, and security breaches
• Commodities: Commodity prices can fluctuate dramatically due to supply and demand dynamics, geopolitical events, weather conditions, and regulatory changes
• Derivatives: Options, futures, and other derivative instruments carry additional risks including leverage, expiration, and counterparty risk

Never invest money you cannot afford to lose. Only invest based on your own independent research, assessment of risk, and financial circumstances. Consider seeking independent financial advice from a properly licensed and qualified professional.

08 Intellectual Property

All content on this Site, including but not limited to articles, text, graphics, images, photographs, illustrations, logos, brand names, trademarks, service marks, website design, layout, and underlying software and code, is the exclusive property of Finonity or its licensed content providers and is protected by international copyright, trademark, and other intellectual property laws.

Permitted Use

• View and read content for personal, non-commercial use
• Share direct links to articles on social media platforms
• Quote brief excerpts (not exceeding 100 words) with proper attribution and a hyperlink to the original article on finonity.com
• Reference our reporting in academic or research work with appropriate citation

Prohibited Use

• Copy, reproduce, republish, distribute, or systematically download content without prior written permission
• Modify, adapt, translate, or create derivative works based on our content
• Use our content for commercial purposes, including republication, syndication, or resale, without a licensing agreement
• Remove, alter, or obscure any copyright notices, trademark notices, or other proprietary markings
• Use our trademarks, logos, or branding elements without express written authorisation
• Frame, mirror, or embed our content on other websites without permission
• Train artificial intelligence or machine learning models on our content without a licence

For content licensing, syndication, or republication requests, please contact [email protected].

09 User Conduct

When using the Site, you agree not to:

• Violate any applicable local, national, or international laws, regulations, or codes of conduct
• Post, transmit, or otherwise distribute content that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable
• Impersonate any person, entity, or falsely represent your affiliation with any person or entity
• Interfere with, disrupt, or compromise the integrity or performance of the Site, its servers, or associated networks
• Attempt to gain unauthorised access to any portion of the Site, user accounts, or systems connected to the Site
• Use automated systems, bots, scrapers, crawlers, or other extraction tools to access, monitor, or harvest content from the Site without prior written consent
• Collect, store, or process personal data of other users without their explicit consent
• Engage in any activity that constitutes market manipulation, dissemination of false or misleading financial information, or any form of securities fraud
• Use the Site to promote scams, pyramid schemes, or fraudulent investment opportunities

We reserve the right to terminate or restrict your access to the Site, without prior notice, for any violation of these Terms or for any conduct that we determine, in our sole discretion, to be harmful to us, other users, or third parties.

10 User Comments & Submissions

If you submit comments, feedback, tips, story leads, or other content to the Site or to Finonity through any communication channel:

• You grant Finonity a non-exclusive, worldwide, royalty-free, perpetual, irrevocable licence to use, reproduce, modify, adapt, publish, translate, and distribute such content in any media format
• You represent and warrant that you own or have all necessary rights and permissions to submit the content and to grant the licence described above
• You acknowledge that your submission does not violate any third-party rights, including intellectual property, privacy, or publicity rights
• You understand that Finonity has no obligation to publish, use, respond to, acknowledge, or return any submissions

We reserve the right to moderate, edit, refuse, or remove any user-submitted content at our sole discretion, without notice or explanation. User comments and submissions do not reflect the views or opinions of Finonity.

11 Third-Party Links & Content

The Site may contain hyperlinks to third-party websites, embedded content from external platforms (such as videos, social media posts, and interactive tools), and references to third-party products, services, or entities.

The inclusion of any third-party link or reference on the Site does not imply endorsement, approval, or recommendation by Finonity. We do not control, monitor, or assume responsibility for the content, privacy policies, terms of use, or practices of any third-party websites or services.

Accessing third-party links or content is entirely at your own risk. We strongly encourage you to review the terms and privacy policies of any third-party website you visit.

12 Third-Party Data & Charts

Finonity utilises third-party services to display financial market data, price quotes, charts, and other analytical tools, including but not limited to TradingView widgets, exchange data feeds, and other market data providers.

Third-party market data displayed on the Site:

• May be delayed, not displayed in real-time, or subject to exchange-specific reporting schedules
• May contain errors, inaccuracies, or omissions
• Is subject to the terms, conditions, and licensing agreements of the respective data providers
• Should not be relied upon as the sole basis for any trading, investment, or financial decision

Finonity is not responsible for the accuracy, completeness, timeliness, or reliability of any third-party data displayed on the Site. For real-time, actionable market data, please consult your broker or a licensed data provider.

13 Advertising & Affiliate Disclosure

FTC & EU Transparency Compliant

The Site may display:

• Third-party advertisements served by advertising networks
• Sponsored content, branded articles, or advertorials, which will be clearly and prominently labelled as “Sponsored,” “Advertisement,” “Paid Partnership,” or similar designation
• Affiliate links to products, services, or platforms for which Finonity may receive a commission or referral fee if you click through or complete a qualifying action

The presence of advertising, sponsored content, or affiliate links does not influence our editorial decisions, news coverage, or the opinions expressed by our editorial team. Our newsroom operates independently of our commercial partnerships. For details, see our Editorial Policy.

Advertising content is clearly separated from editorial content and is subject to our advertising acceptance guidelines.

14 Newsletter & Communications

If you subscribe to our newsletter or other email communications:

• You consent to receive periodic emails containing financial news, market analysis, editorial highlights, and promotional material
• You may unsubscribe at any time by clicking the unsubscribe link included in every email or by contacting us directly
• We will not sell, rent, or trade your email address or personal data to third parties for marketing purposes
• We may send important service-related announcements (such as changes to these Terms or our Privacy Policy) regardless of your subscription preferences
• Our email communications comply with applicable anti-spam legislation, including the EU ePrivacy Directive and CAN-SPAM Act

15 Privacy & Data Protection

GDPR Compliant

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Our Privacy Policy describes in detail how we collect, use, store, and protect your personal data.

As a company headquartered in Poland and operating within the European Union, Finonity is committed to full compliance with the General Data Protection Regulation (GDPR) and applicable Polish data protection laws. We respect your data rights, including the right to access, rectification, erasure, restriction, portability, and objection.

For questions or requests relating to your personal data, please contact us at [email protected].

16 Editorial Independence

Finonity is committed to editorial integrity and independence. Our newsroom and editorial staff operate independently of our business, commercial, and advertising departments.

Editorial decisions — including what stories to cover, how to cover them, and what conclusions to draw — are made solely by our editorial team based on journalistic merit, public interest, and relevance to our readership. No advertiser, sponsor, partner, or external party has influence over our editorial content or opinions.

Conflicts of interest, if any, are disclosed in accordance with our Editorial Policy. Our journalists and editors are subject to internal codes of conduct that include restrictions on personal trading in assets they cover.

17 Corrections & Retractions

Finonity is committed to accuracy and accountability. When factual errors are identified in published content, we will issue corrections promptly and transparently, in accordance with our Corrections Policy.

• Minor corrections (such as typographical errors, incorrect dates, or minor factual inaccuracies) will be corrected within the article with a note indicating the correction
• Significant corrections affecting the substance or conclusions of an article will be prominently noted at the top of the article
• In cases where an article is found to be fundamentally flawed or misleading, Finonity reserves the right to retract the article with a public explanation

To report an error or request a correction, please email [email protected].

18 Indemnification

You agree to indemnify, defend, and hold harmless Finonity, its owners, officers, directors, employees, agents, affiliates, and content providers from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable legal fees and court costs) arising out of or relating to:

• Your access to or use of the Site
• Your breach of these Terms or any applicable law or regulation
• Your violation of any rights of a third party, including intellectual property, privacy, or publicity rights
• Any content, data, or information you submit, post, or transmit through the Site
• Any investment, trading, or financial decision you make based on information obtained from the Site

19 Termination

We reserve the right to, at any time and without prior notice or liability:

• Modify, suspend, or discontinue the Site (in whole or in part) for any reason
• Restrict, suspend, or terminate your access to the Site for any reason, including violation of these Terms
• Remove, edit, or refuse to publish any content on the Site at our sole discretion

Upon termination, all provisions of these Terms which by their nature should survive termination shall remain in full force and effect, including without limitation intellectual property provisions, disclaimers, limitations of liability, and indemnification obligations.

20 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Poland, without regard to its conflict of law provisions. Where applicable, the laws of the European Union, including the General Data Protection Regulation (GDPR), shall also apply.

Any disputes arising from or in connection with these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the competent courts in Warsaw, Poland.

Nothing in these Terms shall limit any rights you may have as a consumer under the mandatory consumer protection laws of your country of residence within the European Union.

21 Dispute Resolution

Before initiating any formal legal proceedings, you agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Site by contacting us directly at [email protected].

We will use reasonable efforts to resolve the dispute informally within 30 calendar days of receipt of your written notice. If the dispute cannot be resolved informally within that period, either party may pursue remedies available under applicable law in the courts of Warsaw, Poland.

For consumers in the European Union, the European Commission provides an online dispute resolution platform accessible at https://ec.europa.eu/consumers/odr.

22 Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity or unenforceability of any provision shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

23 Entire Agreement

These Terms, together with the Privacy Policy, Editorial Policy, and Corrections Policy, constitute the entire agreement between you and Finonity with respect to your use of the Site. These Terms supersede all prior or contemporaneous agreements, communications, representations, and proposals, whether oral or written, between you and Finonity regarding the Site.

24 Waiver

The failure of Finonity to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term. Any waiver must be in writing and signed by an authorised representative of Finonity.

25 Assignment

You may not assign, delegate, or transfer your rights or obligations under these Terms, in whole or in part, without the prior written consent of Finonity. Any attempted assignment without such consent shall be null and void.

Finonity may freely assign, transfer, or delegate its rights and obligations under these Terms without restriction and without notice to you, including in connection with a merger, acquisition, corporate reorganisation, or sale of all or substantially all of its assets.

26 Force Majeure

Finonity shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from events, circumstances, or causes beyond its reasonable control, including but not limited to: natural disasters, epidemics or pandemics, acts of war or terrorism, civil unrest, government actions or sanctions, strikes or industrial action, internet or telecommunications outages, cyberattacks, or failure of third-party service providers.

27 Contact Information