Business terms of service
These terms apply to business self-signups. Using Finbar wholly or mainly outside your trade, business, craft or profession? Read the consumer terms instead. Your actual circumstances, not an account label, determine which terms apply.
Business customers may request further modifications through a custom agreement; contact inquiries@finbar.com for more information. A separately signed agreement takes precedence for the services it covers, subject to mandatory law and applicable transfer clauses.
This Agreement is between CEL TECHNOLOGIES LTD and the company or person identified below as Customer. This Agreement consists of: (1) the Order Form below and (2) the Framework Terms defined below. If you are accessing or using the Product on behalf of your company, you represent that you are authorised to accept this Agreement on behalf of your company. These terms apply when accepted or incorporated into an order, not merely viewed.
Cover Page
Order Form
Framework Terms: This Order Form incorporates and is governed by the Framework Terms that are made up of the Key Terms below and the Common Paper Cloud Service Agreement Standard Terms Version 2.0, which are incorporated by reference. Any modifications to the Standard Terms made in the Cover Page will control over conflicts with the Standard Terms. Capitalized words have the meanings given in the Cover Page or the Standard Terms.
Cloud Service: Finbar financial research, document analysis and modelling, including purchased web, Excel and API features.
Order Date: Date of the accepted order or checkout.
Subscription Period: The monthly or annual period stated in the accepted order or checkout.
Cloud Service Fees: As stated in the accepted order or checkout. Checkout discloses the price, currency, billing interval, renewal amount/calculation, automatic-renewal conditions, usage charges and cancellation/refund rights before purchase. No undisclosed extras are authorised. Monthly subscriptions are charged for one month upfront; annual subscriptions for the full year. Annual monthly-equivalent prices are comparisons, not instalments; checkout shows the full amount.
Price increases apply only at future renewals, with at least 30 days' email notice identifying the subscription, old/new prices and currency, effective renewal date and cancellation methods. You may cancel renewal without charge any time before it occurs; current-period access and prices remain. Late notice defers the increase. Additional legal requirements, including notice, grounds or limits, apply.
We correct erroneous charges, including renewals after timely cancellation. Separately purchased credits or usage charges need disclosed terms, including credit expiry/refund/rollover before purchase; their availability is not promised.
Payment Process: Customer authorises Provider to bill and charge Customer's payment method on file upfront for each selected monthly or annual period. Paid access starts immediately after successful checkout and any legally required separate early-start request or consent. Renewals charge your authorised payment method at the start of each period unless renewal is switched off or the subscription otherwise ends.
Non-Renewal Notice Period: For section 5.1, Customer may switch off renewal any time before it occurs through account billing or email identifying the account/subscription, without advance notice. Email receipt, not support processing, determines timeliness. Provider must email non-renewal at least 30 days before the affected period ends, identifying the subscription and access end date; notice on that date suffices. Longer legally required notice applies.
Paid-period access continues within plan limits, subject to lawful suspension/termination; current-period charges remain due, but no further period is charged after timely non-renewal. We confirm cancellation and the access end date. This does not require account deletion or replace other termination/refund rights.
The normal annual-renewal email is 30 days before renewal, showing the date, charge and currency, cancellation link and email option. Additional/different legally required reminders apply without changing cancellation deadlines or replacing price-change notices.
Use Limitations: As stated in the accepted order or checkout, subject to the source-licence and redistribution restrictions below.
Technical Support: inquiries@finbar.com; no response-time or uptime guarantee unless separately agreed.
Key Terms
Customer: The individual or organisation identified in the accepted order/onboarding. If the person accepting this Agreement is doing so on behalf of an organisation, all use of the word “Customer” in the Agreement will mean that organisation.
Provider: CEL TECHNOLOGIES LTD; company details.
Effective Date: Acceptance or incorporating-order date.
Governing Law: England and Wales.
Chosen Courts: Courts of England and Wales, exclusively.
Covered Claims:
- Provider Covered Claims: None.
- Customer Covered Claims: Third-party claims against Provider, excluding claims by Provider or its Affiliates, to the extent they allege Customer Content used as authorised infringes or misappropriates intellectual property or other proprietary rights, or are caused by Customer's or Users' breach of section 2.1 or our source-licence/redistribution restrictions.
General Cap Amount: Greater of USD 100 and total Fees paid or payable to Provider under the Agreement in the 12 months immediately preceding the claim. The General Cap Amount is not annualised for new accounts; its USD 100 floor is not a charge for free access.
Unlimited Claims: Customer's defence and indemnification obligations for Customer Covered Claims; no other optional categories.
Notice Address:
- For Provider: inquiries@finbar.com; postal notices: 128 City Road, London, EC1V 2NX.
- For Customer: The accepted-order/onboarding email, unless Customer designates a replacement (Customer Notice Address).
Attachments and Supplements
DPA: The data processing agreement forms part of this Agreement where Finbar acts as Customer's processor/subprocessor. The DPA governs processing within its scope; mandatory law and transfer clauses prevail over both.
Changes to the Standard Terms
Liability and indemnities
Section 8.2 does not exclude covered third-party indemnity amounts or defence costs. Its confidentiality exception in section 8.4 refers to section 10; confidentiality remains capped. Caps and exclusions do not reduce properly due fees or expressly required refunds. Nothing limits fraud, fraudulent misrepresentation, death/personal injury caused by negligence, other non-limitable liability, individuals' statutory rights or regulatory powers; this prevails over exclusive remedies too.
Customer has no defence or indemnification obligation for a claim or loss to the extent caused by Provider's breach or unauthorised content use. Sections 9.1, 9.4 and 9.5(a) do not apply.
Warranties and beta features
Section 6.1(b)'s organisation-status warranty applies only to legal entities. Section 12.7 applies only to experimental features identified as beta/prerelease before use and, if purchased, before purchase. Non-beta protections remain; retrospective beta labelling cannot avoid obligations.
Product changes
Ordinary interface, feature, model or provider changes must not materially reduce paid functionality or usefulness for the purposes described at purchase. Privacy/DPA obligations, including subprocessor notices, remain.
Proportionate changes necessary for law/regulation, security or loss/withdrawal of a dependent third-party source, licence or service are permitted. For resulting material reductions, 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 it.
You may cancel the affected subscription without charge by emailing us, effective when the change occurs or, if already implemented, upon receipt of your request. We will refund unused prepaid subscription fees after cancellation; remaining subscription fees for that period are not due.
For compliant changes only, this replaces sections 6.3–6.4's restoration process: cancellation and refund are the sole contractual remedy for the permitted change itself, without a remediation waiting period. Other and earlier breaches retain their remedies.
Content, accounts and notices
Finbar supplies research tools, not personalised investment, legal, tax or accounting advice. Outputs, including AI calculations/references, may be incomplete, outdated or incorrect; check material outputs against sources. Your subscription grants no automatic redistribution, resale or sublicensing rights in third-party data/documents; source licences and order restrictions apply.
Authorised staff access is limited to support, troubleshooting, security or legal obligations, subject to confidentiality and customer instructions.
Section 5.5(b)'s deletion provision applies. Residual backups must remain protected and beyond ordinary use pending lawful cycle expiry, with deletion reapplied on restoration. Section 5.6(b) does not override the DPA, binding instructions or statutory deadlines. Processor end-of-service obligations do not await a separate request.
We review unpaid accounts after 12 months without meaningful activity across supported clients/APIs. Closure and private-content deletion require at least 30 days' email warning and an opportunity to retain the account through renewed activity. Active paid accounts, necessary active-workspace participation and others' content are excluded; earlier deletion/DPA obligations prevail.
Use the Notice Addresses above; update yours by emailing us. Specific methods/timing here or in the DPA override section 12.9. Material changes are communicated as the agreement and law require; historical accepted versions remain available.
The privacy notice explains processing and retention. Terms acceptance is separate from optional cookies and marketing consent.
Adapted from Common Paper's Cloud Service Agreement v2.0 clickthrough cover, free to use and modify under CC BY 4.0. Finbar has completed the variables and modified the cover as set out above. Common Paper does not endorse Finbar.