Terms of Service

1. Agreement to Terms

By accessing or using FinHisaab ("Service," "we," "our," or "us"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

These Terms apply to all visitors, users, and others who access or use the Service.

2. Description of Service

FinHisaab is a financial information platform that provides:

• Mutual fund screening and analysis tools
• Market data and investment insights
• Portfolio tracking and management features
• Financial calculators and planning tools
• Educational content about investments

The Service is provided for informational and educational purposes only and does not constitute financial, investment, or professional advice.

3. User Accounts

3.1 Account Creation

To access certain features of the Service, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized access

3.2 Account Eligibility

You must be at least 18 years old to create an account and use the Service. By creating an account, you represent and warrant that you meet this age requirement.

3.3 Account Termination

We reserve the right to suspend or terminate your account at any time, with or without notice, for any violation of these Terms or for any other reason at our sole discretion.

4. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Violate any laws, regulations, or third-party rights
• Transmit any harmful code, viruses, or malicious software
• Attempt to gain unauthorized access to our systems or networks
• Interfere with or disrupt the Service or servers
• Collect or harvest user information without consent
• Impersonate any person or entity or misrepresent your affiliation
• Use automated systems (bots, scrapers) without permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Remove, alter, or obscure any proprietary notices

5. Investment Disclaimer

Important: FinHisaab provides information and tools for educational and research purposes only. We are not registered investment advisors, brokers, or financial planners.

• The information provided is not personalized investment advice
• Past performance does not guarantee future results
• All investments carry risk, including potential loss of principal
• You should consult with qualified financial professionals before making investment decisions
• We do not recommend or endorse any specific investments or strategies
• We are not responsible for any investment decisions you make

By using the Service, you acknowledge that all investment decisions are made at your own risk and discretion.

6. Data Accuracy and Availability

6.1 Data Sources

We strive to provide accurate and up-to-date information from reliable sources. However, we do not guarantee the accuracy, completeness, or timeliness of any data or information provided.

6.2 Service Availability

We do not guarantee that the Service will be available at all times. We may experience:

• Scheduled or unscheduled downtime for maintenance
• Technical issues or interruptions
• Third-party service disruptions
• Force majeure events beyond our control

6.3 No Warranty

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

7. Intellectual Property

7.1 Our Content

All content on FinHisaab, including text, graphics, logos, icons, images, software, and documentation, is the property of FinHisaab or its content suppliers and is protected by copyright, trademark, and other intellectual property laws.

7.2 Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for personal, non-commercial purposes. This license does not include:

• Modification or copying of materials
• Commercial use of materials
• Downloading (except for page caching)
• Transfer of materials to another person
• Removal of copyright or proprietary notations

7.3 User Content

If you submit, post, or share any content on the Service, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute that content in connection with operating and improving the Service.

8. Third-Party Services and Links

The Service may contain links to third-party websites or services that are not owned or controlled by FinHisaab. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

You acknowledge and agree that we shall not be responsible or liable for any damage or loss caused by your use of any third-party content, goods, or services.

9. Limitation of Liability

To the maximum extent permitted by applicable law, FinHisaab and its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for:

• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or use
• Investment losses or financial damages
• Business interruption or loss of goodwill
• Any damages arising from your use or inability to use the Service, even if we have been advised of the possibility of such damages

In no event shall our total liability to you for all damages exceed the amount paid by you to FinHisaab in the twelve (12) months prior to the action giving rise to liability, or PKR 10,000, whichever is greater.

10. Indemnification

You agree to defend, indemnify, and hold harmless FinHisaab and its affiliates from any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or share on the Service

11. Privacy

Your use of the Service is also governed by our Privacy Policy. Please review our Privacy Policy to understand our data collection and usage practices.

12. Modifications to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by:

• Posting the new Terms on this page
• Updating the "Last Updated" date
• Sending you an email notification (if you have an account)

Your continued use of the Service after any changes constitutes acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Service.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Pakistan, without regard to its conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the courts of Pakistan.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy & Cookie Policy, constitute the entire agreement between you and FinHisaab regarding the use of the Service and supersede all prior agreements and understandings.

16. Contact Us

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

• Email: contact@finhisaab.com
• Support: support@finhisaab.com
• Contact Form: Contact Us Page