Terms of Use

1. About FinNotes

The Service is designed to help readers access and review financial information in a clearer, more structured, and source-referenced format. FinNotes does not provide personalised investment advice, trading recommendations, financial planning, legal advice, tax advice, accounting advice, or any other regulated professional service.

By using the Service you confirm that:

• you have read and understood these Terms;
• you are legally capable of entering into a binding agreement;
• you are at least 18 years old, or the age of legal majority in your jurisdiction, whichever is higher.

2. Changes to the Service and to these Terms

We may update, amend, or replace these Terms from time to time. When we do, we will update the "Last updated" date above and, where appropriate, provide notice through the Service. Continued use after a change constitutes acceptance.

FinNotes may modify, suspend, discontinue, limit, or replace any part of the Service at any time. This may include changes to content availability, data coverage, page structure, newsletters, account features, charting tools, research workflows, access levels, or technical functionality.

3. Content and information

The Service provides financial information, source-referenced materials, factual records, public data, market data, timelines, contextual background, and related information tools. The Service may include:

• real-time or near-real-time financial news;
• macroeconomic indicators and public economic releases;
• charts, tables, time series, and data visualisations;
• factual background and contextual links;
• programmatic access to the above through our commercial API at https://api.finnotes.com/v1 (see section 12 for the API Platform and Agent Skill terms).

4. Not investment, financial, legal, or tax advice

Nothing on the Service constitutes investment advice, financial advice, trading advice, legal advice, tax advice, accounting advice, or any other professional advice. Nothing on the Service is:

• a recommendation to follow any investment strategy;
• an offer to sell, or a solicitation of an offer to buy, any security, financial product, investment service, or other instrument;
• tailored to any particular reader's financial situation, objectives, or risk tolerance.

You agree that you are responsible for your own use of the Service and any decisions or actions you take based on information available through it. You should not rely on the Service as the sole basis for any financial, investment, trading, legal, tax, accounting, commercial, or professional decision.

5. Sources and accuracy

FinNotes places importance on source quality. We seek to rely on official, regulatory, market, company, and other recognised source materials that can be traced, reviewed, and cross-checked where appropriate. Source types include:

• official releases;
• company disclosures;
• market data sources;
• central bank, government, and statistical-agency materials;
• other market-relevant public records.

However, financial information may change, be corrected, be delayed, be incomplete, or be subject to differences in methodology, timing, reporting standards, or source availability. We do not guarantee that any content, data, filing reference, chart, source link, timeline, factual record, market price, exchange rate, yield, index level, company information, macroeconomic figure, or other information on the Service is accurate, complete, current, uninterrupted, final, or error-free.

6. Editorial use of AI

Some of our coverage is drafted with the assistance of artificial intelligence tools. Every piece on the Service is reviewed, fact-checked, and signed off by a named human editor before publication. See our AI use policy for the full standard.

7. Accounts, subscriptions, and quotas

Some features of the Service require an account. By creating an account you agree to provide accurate registration information and to maintain the security of your login credentials. Paid subscriptions are billed in advance through our payment processor (Stripe). Refunds are handled in accordance with consumer-protection law in your jurisdiction.

Free-tier reading on the editorial site remains permanently free; quotas apply only to specific actions (such as data exports and the number of personal notes you can save). See the plans page for current limits.

Paid plans (Pro and Max) include a monthly allowance of API points used by the commercial API at api.finnotes.com. Each plan also carries a per-account request-rate limit (Pro: 3 requests per second; Max: 10 requests per second). Unused points expire at the end of each billing cycle and do not roll over. Point costs per endpoint, the free-error allowance, and the no-overdraw behaviour are described on the plans page and in our pricing reference.

Beta period. During the current Beta window (sign-ups before 2027-01-01), every new account receives a complimentary six-month Pro subscription at no charge, including the API points the Pro plan provides. Subscriptions granted under the Beta program remain valid through their original six-month term; access is not retroactively shortened when the Beta program closes. Only sign-ups after the cutoff date are subject to the post-Beta pricing then in effect.

8. Acceptable use

You agree not to:

• use the Service to violate any applicable law or regulation;
• circumvent technical access controls (for example, paywalls, quotas, rate limits, or anti-scraping protections);
• scrape, mass-download, or systematically extract content other than as expressly permitted (search-engine crawling under our robots.txt policy is permitted; programmatic access via the commercial API under your own fnp_ key is permitted within the limits in section 7);
• resell, sublicense, or republish substantial portions of the content without our prior written consent;
• share, publish, embed in client-side code, or otherwise disclose your fnp_ API key to third parties — keys are personal to the account that minted them and must be treated as confidential credentials;
• use one account's API key to serve a different account, organisation, or customer base (each end customer requires their own account and key);
• ignore 429 rate-limit responses or attempt to bypass per-account rate limits by minting multiple keys on the same account.

9. Intellectual property

All text, images, charts, design, code, and other materials available through the Service are the property of FinNotes or our licensors and are protected by copyright and other intellectual-property laws. Personal, non-commercial reading and limited citation with attribution and a link back to the canonical URL is permitted.

10. Limitation of liability

To the maximum extent permitted by law, FinNotes and its officers, employees, agents, and contractors are not liable for any indirect, incidental, special, consequential, or exemplary damages arising out of your use of, or inability to use, the Service, including any reliance on its content. Where liability cannot be excluded, it is limited to the amount you have paid for the Service in the twelve months preceding the claim.

11. Governing law

These Terms are governed by the laws of the jurisdiction in which FinNotes is incorporated, without regard to its conflict-of-law principles. Specific jurisdiction details will be added on platform launch.

12. The API Platform and the Agent Skill

FinNotes operates two distinct programmatic surfaces in addition to the editorial site, each governed by these Terms together with any further notice surfaced on the relevant page:

• Commercial API — https://api.finnotes.com/v1, authenticated with a Bearer fnp_ key minted from platform.finnotes.com/api-keys. API access is billed in points against the monthly allowance of your active plan; the contract is fully documented at platform.finnotes.com/docs/for-ai/contract.txt. Each request returns the points charged and the remaining balance both in the JSON envelope and as response headers. You are responsible for keeping your fnp_ keys confidential and for revoking any key you believe has been exposed.
• FinNotes Agent Skill — an open-source helper package published at github.com/FinNotes-Intelligence/finnotes-news-and-data-skill under the MIT licence. The Agent Skill is provided as-is, with no warranty, and runs entirely on the user's own machine; FinNotes has no visibility into its execution beyond the API requests it issues from your account. Using the Agent Skill does not give you additional rights to the underlying content beyond what these Terms already grant to a paid API customer.

Output retrieved through the commercial API is licensed for use within your own applications, internal tools, AI agent workflows, and research pipelines. The same restrictions in section 8 apply: you may not redistribute the output as a standalone substitute for the FinNotes service (for example, as a public news feed or a wholesale data licence to third parties) without our prior written consent. Attribution and a link back to the canonical finnotes.com URL is required when the output is republished in any user-facing surface.

We may suspend or revoke API keys, throttle accounts, or terminate Service access without prior notice where we reasonably believe abuse, key leakage, fraud, chargeback activity, or violation of these Terms has occurred. Where the suspension affects a paid plan, the unused portion of the current billing cycle will be refunded on a pro-rata basis, except where the suspension follows confirmed abuse or fraud.

13. Contact

Questions about these Terms can be sent to [email protected]. See our contact page for editorial, privacy, and commercial enquiries.