Last updated: 11.09.2025 

Welcome to Finomerica.com (“Company”, “we”, “our”, “us”). By accessing or using our website (the “Site”), you agree to be bound by these Terms and Conditions (“Terms”). Please read them carefully before using our services. 

If you do not agree with any part of these Terms, you must not use our Site. 

1. Use of the Website 

You must be at least 18 years old or the legal age of majority in your jurisdiction to use this Site. 

You agree to use the Site only for lawful purposes and in accordance with these Terms. 

You must not misuse the Site, attempt unauthorized access, or engage in activities that may harm our systems or reputation. 

Prohibited Activities. You agree not to use the Site: 

• To engage in any fraudulent or illegal activity. 

• To manipulate or attempt to manipulate the market or any data presented. 

• To upload or transmit viruses or any other malicious code. 

• To collect or track the personal information of others. 

• For any obscene or immoral purpose. 

• To interfere with or circumvent the security features of the Site. 

2. Services and Content 

Information provided on this Site is for general informational purposes only and does not constitute financial, investment, or legal advice. 

We make reasonable efforts to ensure the accuracy of information but do not guarantee it will always be current, complete, or error-free. 

Any reliance on the information provided is at your own risk. 

3. Intellectual Property 

All content on the Site, including text, graphics, logos, images, and software, is the property of Finomerica or its licensors and is protected by applicable copyright, trademark, and intellectual property laws. 

You may not reproduce, distribute, modify, or create derivative works of any content without our prior written consent. 

4. Privacy and Data Protection 

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use, and protect your personal data. 

By using the Site, you consent to such collection and use in accordance with our Privacy Policy. 

5. Third-Party Links 

The Site may contain links to third-party websites. We provide these links for convenience only and are not responsible for the content, accuracy, or practices of such websites. 

Accessing third-party sites is at your own risk. 

6. Disclaimer of Warranties 

The Site and its content are provided on an “as is” and “as available” basis. 

We make no warranties, express or implied, regarding the availability, reliability, or suitability of the Site or its content for any purpose. 

We disclaim all warranties of merchantability, fitness for a particular purpose, and non-infringement to the fullest extent permitted by law. 

7. Limitation of Liability 

To the maximum extent permitted by law, Finomerica and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use or inability to use the Site. 

This includes but is not limited to damages for loss of profits, data, goodwill, or other intangible losses. 

8. Indemnification 

You agree to indemnify, defend, and hold harmless Finomerica, its officers, directors, employees, and affiliates from any claims, liabilities, damages, losses, or expenses (including legal fees) arising from your use of the Site or violation of these Terms. 

9. Changes to the Terms 

We reserve the right to update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting on this page. Continued use of the Site constitutes acceptance of the revised Terms. 

10. Governing Law and Jurisdiction 

These Terms shall be governed by and construed in accordance with the laws of Finland and The European Union, without regard to its conflict of law principles. 
Any disputes shall be subject to the exclusive jurisdiction of the courts of Helsinki, Finland. 

11. Contact Us 

If you have any questions about these Terms, please contact us at: 

Contact@finomerica.com 
Helsinki, Finland 

12. User Accounts and Security 

Account Creation: In order to access certain features of the Site, you may be required to register for an account. You agree to provide accurate, current, and complete information during the registration process. 

Security Responsibilities: You are responsible for maintaining the confidentiality of your account login information and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. 

Account Accuracy: You agree to ensure that you log out of your account at the end of each session and to promptly update your account information if it changes. 

Right to Suspend: We reserve the right to disable any user account, at any time, in our sole discretion, if in our opinion you have failed to comply with any of the provisions of these Terms. 

13. Termination 

These Terms are effective unless and until terminated by either you or us. 

You may terminate your agreement with us at any time by closing your account (if applicable) and discontinuing your use of the Site. 

We may suspend or terminate your right to use the Site or close your account at any time for any or no reason, including if we reasonably believe: (i) you have violated these Terms; or (ii) you create risk or possible legal exposure for us. 

14. Electronic Communications 

By using the Site, you consent to receive electronic communications from us. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.