Terms of Service for CeFinan.com

Effective Date: April 13, 2025

These Terms of Service ("Terms") govern your access to and use of the website CeFinan.com and its interactive dashboard and analytical services (collectively, the "Services"). By using the Services, you agree to these Terms. If you do not agree, do not use the Site.

1. Overview of Services

CeFinan.com provides a data analytics platform designed to help users visualize and understand the performance and correlation of multiple stocks over customizable time periods. Features include:

  • Mathematical and statistical analysis of stock growth patterns
  • Visualization through interactive heatmaps and line charts
  • Comparison of selected stocks with major financial indices
  • Exploration of historical data over time periods ranging from 5 days to 10+ years

⚠️ Important Disclaimer:

The Services provided by CeFinan.com are for informational and educational purposes only. They do not constitute financial, legal, or investment advice, and are not intended to recommend, endorse, or promote any specific investment, security, or strategy.

2. Subscriptions and Billing

A. Subscription Plans

CeFinan.com offers paid subscriptions that provide access to the premium features such as stock historical data, advanced comparison tools, and visualization capabilities. Subscription tiers and benefits are outlined on our website and may be updated from time to time.

B. Payments via Stripe

All subscription payments are processed securely via Stripe, a third-party payment processor. By subscribing to a paid plan, you authorize us and Stripe to charge your selected payment method at the agreed price and frequency (e.g., weekly, monthly or annually).

You acknowledge and agree that:

  • Your payment information will be securely handled by Stripe
  • You are responsible for maintaining accurate billing details
  • Subscription charges may include applicable taxes or transaction fees depending on your location

We do not store your full credit card details on our servers.

C. Renewal and Cancellation

Subscriptions are automatically renewed at the end of each billing cycle unless canceled prior to renewal. You may cancel your subscription at any time through your account dashboard.

Cancellation will stop future charges but does not entitle you to a refund for the current billing period.

Upon cancellation, you will retain access until the end of the active billing cycle.

D. Price Changes

We reserve the right to modify subscription pricing. If pricing changes, we will notify you in advance by email or within the app interface. Your continued use of the Services after the new pricing comes into effect constitutes your acceptance.

3. No Investment Advice – Risk Disclosure

All insights generated by CeFinan.com are derived solely from quantitative data and statistical models. These outputs do not take into account your personal financial situation, investment goals, or risk tolerance.

You acknowledge and agree that:

  • CeFinan.com is not a registered investment advisor, broker, or financial planner
  • None of the data, visualizations, or analysis constitutes a recommendation to buy, sell, or hold any security
  • Any investment you decide to undertake is at your sole discretion and risk

4. User Eligibility and Accounts

  • You must be at least 18 years old to use the Services
  • You are responsible for all activity under your account and for maintaining the confidentiality of your login credentials
  • CeFinan.com reserves the right to suspend or terminate access to any user in violation of these Terms

5. License and Acceptable Use

We grant you a limited, non-transferable, revocable license to access and use the Services solely for your personal or internal business use.

You agree not to:

  • Use the Services to give financial advice to third parties
  • Reverse-engineer or extract the underlying algorithms or data
  • Automate usage through bots or scraping tools
  • Use the Services for illegal, unethical, or unauthorized purposes

6. Data Collection and Privacy

CeFinan.com may collect technical and usage data (such as cookies, IP addresses, session times) to enhance the platform and user experience. We do not collect personally identifiable information unless explicitly provided by the user.

You retain ownership of any data you input. By using the Services, you grant us a non-exclusive, royalty-free license to use this data solely for providing and improving the Services.

For more information, refer to our Privacy Policy.

7. Intellectual Property

All intellectual property associated with the Site, including algorithms, design, visualizations, trademarks, and code, belongs to CEFINAN.COM or its licensors. You may not reproduce, redistribute, or modify any content without prior written consent.

Feedback you provide may be used to improve the Services.

8. No Warranty and Limitation of Liability

The Services are provided "as is" and "as available", with no guarantees of accuracy, completeness, or uptime.

CeFinan.com disclaims all warranties, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, CeFinan.com shall not be liable for any:

  • Loss of capital or investment due to reliance on any analysis
  • Indirect, incidental, or consequential damages
  • Technical errors, bugs, or service interruptions

9. Termination

  • You may stop using the Services at any time
  • We reserve the right to suspend or terminate your access immediately if you breach these Terms, without prior notice

10. Modifications

We may update these Terms from time to time. Any changes will be posted on this page, and your continued use of the Services constitutes acceptance of the revised Terms.

11. Governing Law

These Terms are governed by the laws of France, without regard to its conflict of laws principles.

12. Contact

For questions or concerns, please contact us at:

📧 martin@cefinan.com