Consumer terms of service

These terms apply to individuals using Finbar wholly or mainly outside their trade, business, craft or profession, including personal investment research. Your actual circumstances, not an account label, determine consumer status. Business customers use the business terms; neither those provisions nor the Common Paper agreement applies to consumers.

CEL TECHNOLOGIES LTD provides Finbar. These terms apply when accepted or incorporated into an order, not merely viewed. Separately signed agreements take precedence for their services, subject to mandatory law and transfer clauses.

Your subscription

Financial information and AI

Finbar provides research tools, not personalised investment, legal, tax or accounting advice. Outputs, including AI calculations and references, may be incomplete, outdated or incorrect. Check material outputs against original sources and exercise appropriate judgment. These limitations do not exclude liability or statutory rights that cannot lawfully be excluded.

Using Finbar

You must be at least 18. Provide accurate account and billing information, keep it updated and use only payment methods you are authorised to use. Keep credentials secure, promptly report suspected unauthorised access and do not share access beyond your plan's allowance. You can close your account through Account → Delete account or contact us; subscription cancellation and refunds follow the provisions below.

You may use Finbar and its included software for personal investment research or incidental business activities within your plan and source licences. You must not:

• use Finbar unlawfully, fraudulently or to infringe intellectual property, privacy or other rights;
• bypass access controls, usage limits or payment requirements, or access others' accounts, systems or information without permission;
• introduce malware, spam, disrupt or overload the service, or conduct unauthorised security testing;
• scrape, harvest or automate access except through permitted APIs, Excel features or other methods we authorise, within their limits;
• reverse engineer, decompile or attempt to extract our software's source code, or copy or redistribute it beyond the rights granted to you;
• resell or sublicense access or third-party data/documents without the required permissions, remove proprietary notices, or imply our endorsement through unauthorised use of our name or branding; or
• use or provide access to Finbar in breach of applicable sanctions or export-control laws.

These restrictions do not limit activities that applicable law permits notwithstanding contractual restrictions, or rights under applicable open-source licences. Your subscription does not itself grant redistribution, resale or sublicensing rights in third-party data or documents.

Ownership and third-party services

Finbar and its licensors retain their rights in the service, software and branding; you receive only the access and use rights stated here. You retain your rights in content you supply. To the extent we own transferable rights in outputs generated for you, we assign those rights to you, excluding our software and third-party content. Outputs may not be unique; source licences and others' rights still apply.

External websites and services you choose to use have their own terms. This does not exclude our responsibility for providers we use to fulfil our obligations to you. Applicable open-source licence terms prevail for the software portions they cover.

Inactive unpaid accounts

We review unpaid accounts after 12 months without meaningful activity, including through supported clients and APIs. We may close them and delete private content only after at least 30 days' email warning and an opportunity to keep the account through renewed activity.

This excludes active paid accounts, necessary participation in active shared workspaces and content owned by others. Earlier deletion requests, DPA return/deletion obligations and mandatory rights take precedence. The privacy notice explains residual-copy and limited-record retention.

Product changes

We may change interfaces, features, models and providers without preserving every implementation detail, provided ordinary changes do not materially reduce paid functionality or usefulness for the purposes described when you subscribed. Privacy and DPA obligations, including subprocessor notices, still apply.

We may also make proportionate changes necessary for law or regulation, security, or the loss or withdrawal of a dependent third-party source, licence or service. For a resulting material reduction in paid functionality or usefulness, we will email the change, timing and cancellation option with reasonable advance notice where practicable, or as soon as reasonably practicable if legal or urgent security requirements prevent advance notice.

You may cancel the affected subscription without charge by emailing inquiries@finbar.com, effective when the change occurs or, if already implemented, when we receive your request. We will refund unused prepaid subscription fees after cancellation; no remaining subscription fees for that period will be due.

Consumers retain all mandatory change, service-quality, digital-content, cancellation and refund protections.

Customer content and data rights

You must have the rights and permissions needed for us to process content you supply and carry out your requested actions. You permit us to copy, display, modify and use your content, including prompts, files and resulting outputs, as needed to provide and maintain Finbar and related offerings, and for the improvement and training purposes below.

We may collect and analyse information about your use of the service and its performance (usage data) to maintain, improve, enhance and promote our products and services. We may disclose usage data to others only in aggregated form that does not identify you or other users.

You permit us to use your content and usage data to develop, train or enhance AI or machine-learning models forming part of our products and services, including third-party components. Before this use, we must aggregate the content and usage data and use commercially reasonable efforts consistent with industry-standard technology to de-identify it.

These permissions remain subject to confidentiality, applicable data-protection law and the DPA. The DPA forms part of your agreement where we act as your processor/subprocessor; these permissions do not override its processing scope or documented instructions. Aggregation or de-identification does not necessarily remove personal-data protections, and accepting these terms is not consent under data-protection law.

Authorised staff access is limited to support, troubleshooting, security or legal obligations, subject to confidentiality, customer instructions and the DPA. See the privacy notice for data handling and retention.

Feedback: You need not provide suggestions or feedback. If you do, we may use them to develop, improve and promote products without payment or attribution to you, subject to the safeguards above. Feedback does not give us additional rights in accompanying customer content or conversations.

Content deletion when service ends

After the relevant service expires or terminates, we will delete your customer content within 60 days of your request.

Residual backups may remain until overwritten or deleted through the applicable backup cycle, only as permitted by law and the DPA. They must remain protected and beyond ordinary use pending deletion, with deletion reapplied on restoration.

Earlier deletion and responses required by law or binding customer instructions take precedence. DPA end-of-processing return/deletion obligations do not depend on a separate request. See privacy requests and the privacy notice for other retention purposes.

Billing, refunds and ending service

Before purchase, checkout or the order will disclose the price, currency, billing interval, renewal amount or calculation basis, automatic-renewal conditions, usage charges, cancellation and refund terms, and mandatory cancellation rights. No undisclosed extras are authorised.

Subscription payments

Subscriptions are paid upfront for the selected period: one month for monthly plans or the full year for annual plans, where offered. Annual monthly-equivalent prices are comparisons, not monthly instalments; checkout shows the full amount payable. For automatic renewals, we charge your authorised payment method at the start of each period unless renewal is switched off or the subscription otherwise ends.

Separately purchased credits and additional usage charges require their own disclosed terms; credit expiry, refund and rollover terms must be disclosed before purchase. These terms do not promise their availability.

Subscription price increases

For consumer self-signup subscriptions, any increase we make to your subscription price will apply only from a future renewal period, not during the current paid period. We will give you at least 30 days' advance notice by email before the renewal at which the increase would take effect. The notice will identify the affected subscription, the old and new subscription prices and currency, the effective renewal date, and how to switch off renewal through account billing or by email.

You may switch off renewal at any time before that renewal occurs to avoid the increased price, without a cancellation charge. Access continues through the current paid period under the existing terms. The 30-day notice requirement is our obligation, not a deadline for you to cancel. If the required notice has not been given in time for a renewal, we will not apply the increase at that renewal.

For consumer subscriptions, unless you cancel renewal before the affected renewal occurs, the notified new price will apply, except where applicable law requires your express agreement or otherwise restricts the change. Where express agreement is required, we will obtain it before charging the increased price. Silence is not a substitute for agreement in those circumstances.

We will comply with any additional requirements of applicable law, including longer or additional notice and any required grounds or limits for increases. This section does not permit changes to an already paid annual period or replace other statutory cancellation or refund rights.

Renewal reminders

Our normal annual-renewal email is sent 30 days before renewal, stating the renewal date, charge and currency, with a cancellation link and email cancellation instructions. We will provide any different or additional reminders required by law, including for other billing intervals. Reminders neither bring forward your cancellation deadline nor replace required price-change notices or consent.

Starting paid access

Paid access starts immediately after successful checkout and any required separate early-start request or consent. Accepting these terms alone is not that request or consent; activation does not itself waive cancellation rights. If a consumer does not make a required early-start request, we will offer activation and payment after the cancellation period, on the later date stated at checkout. Neither access nor payment begins before that date.

Switching off renewal

You may switch off automatic renewal at any time before it occurs, without an advance-notice period, through account billing or by emailing inquiries@finbar.com with your account and subscription. Email receipt time, not support processing time, determines whether the request is timely.

The subscription ends at the current paid period's end. Access continues until then within plan limits and subject to lawful suspension or termination; properly incurred current-period charges remain due, but no further period is charged. We will confirm cancellation and the access end date.

This process does not require account deletion or replace statutory cancellation, qualifying product-change or other contractual termination/refund rights.

Non-renewal by Finbar

For ordinary non-renewal, we will email at least 30 days before the affected period ends, identifying the subscription and access end date. Paid-period access continues and no further renewal is charged. Longer notice or other protections required by law apply.

This permits period-end non-renewal, not early termination or suspension, which remain subject to their separate grounds and safeguards.

Consumer rights and remedies

Consumers give no contractual indemnity and are not subject to business loss exclusions or the business cap.

Suspension and termination of consumer accounts

We may restrict or suspend access, or terminate your account or subscription, on reasonable grounds and proportionately where:

• you seriously breach these terms or repeatedly breach them after warnings, including unlawful use, infringement, unauthorised access-sharing or misuse of licensed data;
• properly due payment remains unpaid after notice and a reasonable opportunity to pay, subject to any lawful right to withhold or dispute payment; or
• action is necessary for legal compliance or to protect Finbar, users or others from fraud, unauthorised access or a serious security threat.

Normally we will email reasonable advance notice explaining the grounds and proposed action, with a reasonable opportunity to remedy a remediable breach. We may act immediately where reasonably necessary for serious abuse, security harm or legal compliance, giving notice as soon as reasonably practicable. Information may be withheld where disclosure is unlawful or would compromise security.

Suspension ends once its grounds are resolved unless another ground applies or the account/subscription has lawfully ended. It does not itself authorise content deletion. Termination stops future subscription renewals; properly incurred charges remain due, subject to your legal rights. Neither suspension nor termination automatically forfeits prepaid fees or removes owed refunds, compensation or other remedies. We will not terminate merely because you exercise statutory rights.

Service quality and remedies

You retain mandatory rights concerning reasonable care and skill, digital content matching its description and remedies for defective service or content. AI limitations do not remove these rights. Contact inquiries@finbar.com if something goes wrong.

Responsibility for consumer losses

Compensation is determined by applicable law, not an additional guarantee. For UK consumers, ordinary contractual compensation covers loss caused by our breach that was reasonably foreseeable when contracting—an obvious consequence or within the parties' reasonable contemplation. Other statutory bases of liability and consumers' rights elsewhere remain unaffected.

Finbar does not guarantee investment returns or protection from market movements. An investment loss does not itself establish liability, but we remain responsible for investment-related loss where legally liable.

Consumer liability cap and exceptions

Except for the rights and liabilities listed below, our total liability to you arising out of or relating to these terms or your use of Finbar, whether in contract, negligence or otherwise, for an event or series of related events is limited to the greater of:

• USD 100; or
• the total fees you paid us for Finbar in the 12 months immediately before the event giving rise to the claim.

Claims arising from the same event or series of related events share one cap; for related events, we use the date of the first event to calculate the 12-month period. An annual subscription payment made within that period counts in full, rather than being divided into monthly amounts. Fees are not annualised for a newer account, and the USD 100 minimum does not impose a charge for free access.

Neither this cap nor any other consumer term excludes or limits our liability for fraud or fraudulent misrepresentation, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded or limited. In particular, the cap does not restrict mandatory rights or remedies concerning reasonable care and skill, service or digital-content quality, fitness for purpose or conformity with its description, or compensation under applicable consumer guarantees. The Australian Consumer Law rights described below and independent statutory rights concerning personal data are not restricted by this cap. Where applicable law prohibits applying a cap to a particular claim, this cap does not apply to that claim.

Any refund we owe you under these terms or applicable law is payable separately and does not count towards or reduce the cap. This does not create a refund entitlement where none otherwise exists. This section does not require you to indemnify us, and the business liability cap and business loss exclusions do not apply to consumers.

UK and EU online cancellation rights

Where UK or EU distance-contract withdrawal rules apply, you normally have 14 days after the day of contracting to cancel without giving a reason, or longer where law requires, including for missing cancellation information. This is not a worldwide voluntary trial. Early-supply rules are below.

Send a clear withdrawal statement to CEL TECHNOLOGIES LTD, 128 City Road, London, EC1V 2NX, or inquiries@finbar.com. Identify the account/subscription to help us locate it; the model form is optional. Sending notice before the deadline is sufficient, unlike receipt-based ordinary non-renewal.

We will reimburse amounts due without undue delay and within 14 days of being informed, using the original payment method unless you expressly agree otherwise, without a refund fee. Only lawful early-service deductions described below apply, not automatic penalties or payment-processing deductions.

Early supply during a cancellation period

For services, deductions during the withdrawal period require the necessary pre-contract information and your express request for early performance. Any lawful deduction is proportionate to service supplied before you notify us of withdrawal. For continuing subscriptions, we use the agreed price of the purchased period, including any discount, and the portion supplied, subject to any legally required lower amount or different treatment—not a higher monthly repricing of an annual plan or a separate cancellation fee. Without the required conditions, we make no deduction.

Logging in or activating a continuing subscription does not end the withdrawal right or constitute full performance. Loss of a service withdrawal right on full performance requires the applicable prior consent and acknowledgement.

For digital content without a physical medium, loss of withdrawal rights on starting supply requires the applicable prior express consent, acknowledgement and contract confirmation. General acceptance of these terms is not that consent or acknowledgement.

Model cancellation form

Use only to exercise an applicable withdrawal right. Copy into an email or send by post; only paper forms need a signature.

To: CEL TECHNOLOGIES LTD, 128 City Road, London, EC1V 2NX; inquiries@finbar.com

I/We hereby give notice that I/We cancel my/our contract for the supply of the following service:

Service/subscription:

Ordered on:

Name of consumer(s):

Address of consumer(s):

Signature of consumer(s) (only if this form is notified on paper):

Date:

Delete inapplicable alternatives. Account emails or order references help us locate purchases but are not mandatory form fields.

Other core markets

US and Canadian consumers retain applicable federal, state, provincial and territorial rights, including for defective disclosures, unlawful renewals or failures to supply. The UK/EU provision grants no uniform 14-day change-of-mind right there. Any additional purchase rights or required notices must be provided before payment.

Australian Consumer Law guarantees cannot be excluded. For a major service failure, you may cancel for the legally required refund of unconsumed service, or retain the contract and seek compensation for reduced value. Other failures carry applicable rights to timely remedy and further remedies if not fixed, plus compensation for reasonably foreseeable loss or damage. Australian law generally requires no change-of-mind refund alone; express refund promises and other legal rights remain.

Subscription cancellation and refunds

We offer no additional voluntary money-back guarantee. We will honour statutory withdrawal, refund and other remedies, expressly promised refunds including for qualifying product changes, and correct erroneous charges or renewals after timely cancellation. This is not a blanket non-refundable-fee rule.

The general renewal, reminder and price-change provisions apply. Switching off renewal, exercising statutory withdrawal and deleting an account are separate actions; deletion does not itself request a refund.

Governing law and courts

England and Wales law governs these terms and related disputes. You retain mandatory protections under the law where you habitually live, any mandatory right to use local courts, and mandatory rules governing where we may sue you.

Privacy, notices and changes

Our privacy notice explains processing, not a request for blanket consent. Optional cookies and marketing consent are separate from accepting these terms.

Send contract notices to inquiries@finbar.com or our registered office where postal notice is permitted. We use your accepted-order/onboarding email unless you designate a replacement by emailing us. Specific notice methods and deadlines above, in the DPA or under law take precedence. Historical accepted versions remain available.

We may update these terms where reasonably necessary to reflect service changes, legal requirements, security or abuse prevention. For changes materially affecting your use or rights, we will email the changes and effective date at least 30 days beforehand, except where legal or urgent security requirements require shorter notice. Before they take effect, you may reject them and cancel by emailing us, without charge, with a refund of unused prepaid subscription fees from termination and no remaining subscription fees for that period due. We will obtain express agreement where required by law; otherwise notified changes apply from the stated date if you continue using Finbar. Changes are not retrospective and cannot bypass the separate price-change, product-change or mandatory-rights protections.

General provisions

These terms, your accepted order and expressly incorporated documents form our agreement. They do not exclude binding pre-contract information, promises or statutory rights. Any additional service-specific terms must be disclosed and accepted before that service is supplied and identify any changes to these terms.

If a provision is unenforceable, the remainder continues where legally possible. A delay in enforcing a right does not waive it; any express waiver applies only to the stated circumstances.

You may transfer this agreement with our written consent, which we will not unreasonably withhold. We may transfer it as part of a business sale or reorganisation if your rights and guarantees are not reduced; we will notify you in advance. Other transfers require your agreement.

When your access ends, accrued payment/refund rights, ownership, the content/usage-data/feedback permissions and their safeguards, deletion obligations, liability provisions and dispute terms continue as applicable. This does not extend personal-data retention or override deletion rights or the DPA.

The content, usage-data and feedback permissions are adapted from Common Paper CSA 2.0, sections 1.4–1.6, under CC BY 4.0. The wording is modified for this consumer agreement; the business standard terms are not incorporated and Common Paper does not endorse Finbar.