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Terms of Use​

General

These Terms of Use apply to finberry.ai, Finberry and our affiliates (hereinafter, collectively: “us” or “we”, and the “Terms of Use”, respectively.

The information on this website is provided “as is” and is provided without any warranty of any kind, either express or implied. Any third-party information on this website should not be construed by any user as our views and we disclaim any responsibility for the information or opinions presented herein.

We advise you to give independent consideration to, and conduct independent investigation with regards to, the content of our services and to obtain advice from your financial, legal and tax advisors. The information in the website is general and not tailored for your needs and as such should not be considered as an investment advice and should be examined carefully while keeping your personal circumstances in mind.

We do not make any representations as to the accuracy of any information prepared by any unaffiliated third party linked to our website and take no responsibility for it.  

WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT OR CONSEQUENTIAL DAMAGES, EVEN IF EXPRESSLY ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, ARISING OUT OF OR IN CONNECTION WITH THE USE OF THIS WEBSITE AND/OR OUR SERVICES.  

As a result, you agree, as a condition precedent to your access to our website and/or services to, release and hold us harmless, our offices, directors, owners, employees, and agents, from any and all adverse consequences resulting from any of your actions and/or omissions which use independent of your receipt of personalized individual advice from us.

By using our website and/or services you hereby agree to the fact that any information provide by you might be saved in our databases for the purpose of customizing the information in our website and/or services to a specific user as well as for the purpose of future services suggested by us.

The use of our website and/or services is subject to the laws of the State of Israel and the authorized courts in Tel Aviv will have the exclusive authority with respect to any use of our website and/or services. 

We reserve the right to change, modify, add or remove portions of the content presented on this website at any time and you will have no claim against us as a result of that.  

Use of this website connotes that you have accepted the Terms of Use, and any changed terms.

Services

The following statements outline the scope and nature of the services provided by finberry.ai, Finberry Ltd. and our affiliates (“we,” “us,” or “our”) to our valued customers. Please read this information carefully before availing any of our services.

  1. Financial Data Aggregation: We offer financial data aggregation services that include both manual entries and third-party aggregator integration. While we strive to ensure the accuracy and completeness of the aggregated data, we do not guarantee the reliability or timeliness of the information obtained from external sources. Users are advised to cross-verify and validate the data before making any financial decisions.
  2. Suitability and Profiling Analysis: Certain aspects of our suitability and profiling analysis are provided by third-party entities. While we endeavor to collaborate with reputable and reliable partners, we do not accept responsibility for any inaccuracies or errors in their analysis. The user acknowledges that the suitability and profiling analysis should not be construed as personalized financial advice, and individual circumstances should be considered before making investment decisions.
  3. Direct Access to Interactive Brokers’ Client Portal: As part of our services, we offer direct access to Interactive Brokers’ client portal for trading securities through a white branded portal called FNBY. Users must adhere to Interactive Brokers’ terms of service and regulations while using the platform. We are not liable for any issues arising from the use of Interactive Brokers’ services or any third-party actions on their platform.
  4. Consolidation of Total Wealth: Our platform facilitates the consolidation of total wealth by aggregating various financial accounts and assets. The user acknowledges that we do not have control over the external financial institutions or accounts, and any discrepancies or inaccuracies should be addressed directly with the respective institutions.
  5. Portfolio Management/Advisory Services: Our exclusive service for our clientele, for more information please contact us here info@finberry.ai.

For specific details, features, and limitations of each of our service package please click here.

Opening an account on our website

Opening an account with Finberry is a simple and straightforward process, enabling you to access a wide range of financial services and investment opportunities. Kindly note that after creating the account you may also join our more exclusive services, for more information please contact us here info@finberry.ai

Follow these steps to get started:

Step 1: Visit the Website: Go to the Finberry website (finberry.ai) using your preferred web browser.

Step 2: Click on “Sign Up”, “join us” or “Open Account”: Look for the “Sign Up” or “Open Account” button on the website’s homepage and click on it.

Step 3: Provide Your Information: Fill out the account registration form with accurate and up-to-date information. You’ll need to provide details such as your full name, email address, contact phone number, and a secure password for your account.

Step 4: Verify Your Email/ phone number (2-Factor Authentication): Once you submit the registration form, Finberry will send a verification link to the email address you provided or a code to the phone number you provided. Click on the link/ enter the code to verify your email/ phone number and activate your account.

Step 5: Complete Identity Verification (If required): In some cases, Finberry may require additional identity verification for security purposes. If prompted, follow the instructions to complete the verification process, which may involve providing additional identification documents.

Step 6: Review and Accept Terms and Conditions: Carefully read through Finberry’s Terms and Conditions, as well as any other applicable policies, before proceeding. To proceed with account creation, you must accept these terms.

Step 7: Account Activation: After completing all the necessary steps, your account will be successfully created and activated. You can now access your personalized dashboard and explore the various features and services offered by Finberry.

As part of opening the account, you are required to provide us with complete, accurate and correct information, and you hereby agree that you will not misrepresent your identity or any other information in your account. It is clarified that using a bank account or credit card that does not belong to you or providing incorrect information is strictly prohibited and constitutes an offense according to law. Setting up an account using another person’s identification information expose you to criminal and/or civil liability.

The registration procedure will not be considered complete and binding without receiving our final approval. In the event that a discrepancy is found during the verification of the personal information provided by you, you will be sent an appropriate message.

Only individuals who meet the conditions for registering for the service detailed in the section “Preliminary Conditions to opening an account” below, will be allowed to open an account.

We are entitled to prevent you from opening an account or receiving the our services in any case where reasonable concern arises, at our sole discretion, that you have committed an illegal act and/or violated the provisions of the law and/or violated a condition of these terms of use and/or delivered during registration and/or subsequently incorrect details and/or you have committed an act or omission that could harm us and/or anyone on our behalf and/or the proper operation of the service and/or any third party. Blocking, suspending or restricting use, as stated above, does not impose any responsibility on us and/or detract from your obligation to act at all times in accordance with these terms of use.

You may not transfer or assign your rights or delegate your obligations in the account, without our prior written consent.

We will not be held responsible or liable for any damage caused to you due to unauthorized access, hacking or penetration of the security system or due to storage failure or theft, deletion, corruption, destruction, damage or loss of data or information (including in relation to loss or damage caused as a result of unauthorized use on your mobile device), except to the extent that we did not take the reasonable information security measures required by law.

You must report to us immediately any unauthorized use of your account, including any breach of security to the device from which you use the services.

Preliminary Conditions to opening an account

To open an account at Finberry, you must be at least 18 years old and have the legal capacity to enter into a binding agreement. You should also comply with all applicable laws and regulations in your jurisdiction.

Minors are not permitted to use our services and/or website.

A pre-condition for using our services is reading and consenting to our privacy policy, which you may find here.

Purchasing Service Packages

Once you have an active account with us you may purchase our service packages which includes various features as provided here.

Payments: By purchasing any service package from Finberry, you agree to pay the specified fees associated with the selected service package, as presented to you upon purchase. Kindly note that the price noted at the time of purchase is binding solely at that certain time and for that certain transaction. Our prices may change from time to time at our sole discretion and we reserve the right to change subscription amounts for any contract exceeding 12 months, in such case you shall be notified accordingly in advance.

Payment Method: You may make payments using the accepted payment methods specified on the website or as directed by our customer support team.

Currency and Taxes: All fees and charges are denoted in the applicable currency and do not include any taxes, duties, or other government charges. You are solely responsible for any taxes or additional charges levied by relevant authorities.

Package Initiation: No later than 2 business days following acceptance of payment, Finberry will initiate the subscription to the purchased service package in accordance with the terms and conditions specified for each service package.

Performance Obligations: Finberry shall use reasonable efforts to provide the services with due skill, care, and professionalism, subject to the limitations and conditions outlined in these Terms.

Cancelations and Refunds

If you wish to change the service package you purchased to another package, please contact us here info@finberry.ai.

You may cancel your purchase within 30 days [MS1] from making the purchase by contacting us here info@finberry.ai. You will receive a full refund within 30 business [MS2] days from delivering your cancelation notice.

If you are not satisfied with our services, for any reason, you may terminate the engagement with us by notified us here info@finberry.ai. Upon acceptance of the termination notice by you the service package shall terminate and any payments made by you in advance for the time following such termination shall be refunded to you within 30 business [MS3] days from delivering your termination notice. Please note that any discount granted to you at the time of purchase which attributed to payments for a full year shall be revoked, therefore you will bear the full subscription fee per in month you used the services.

Closing your account on our website

In the event that you wish to close your account with us for any reason, please contact us on info@finberry.ai.

Please be aware that not using the website will not terminate your engagement with us without the closing of the account.

Information from financial institutions

As part of using our services, you will be required to authorize us to access and collect financial information about you from various financial institutions, such as banks, credit card companies and any other institutions similar in nature (hereinafter: “Financial Institutions”), in order for us to provide you with our services.

Please note that this information is “drawn” from your accounts at the financial institutions and is stored and used by us in order to provide you with our services, but we cannot verify its accurateness, correctness or reliability. Please note that we rely on this information, as it is received from the Financial Institutions, in order to provide you with our services, therefore, you have the duty to exercise discretion and check whether the financial information presented in our services is current and accurate, either by checking the date the information was updated, the manner of classification and presentation of any financial operation and/or in any other acceptable way.

we may receive the said information by interfacing with your bank account and/or credit card account, through a dedicated interface (API) offered by the relevant Financial Institution. In this case, we will not collect the login details for the internet service of your account, but we will receive an identifier (token) from the operator of the dedicated interface, in order to interface with your accounts, and this in accordance with the access privileges you grant to the relevant Financial Institution.

Please note that closing the account and/or disconnecting from the services and/or disconnecting the interface between your account with us and your account at the Financial Institution, do not cancel the consent to transfer information or the access permission you gave to the Financial Institution so that we can receive information from your account at the Financial Institution. In order to cancel access, you must contact us with an appropriate request info@finberry.ai or contact the operations website of the relevant Financial Institution and use them to complete the authorization cancellation process.

We centralize, summarize and analyze the financial information drawn from your accounts at the Financial Institutions in order to provide you with our services, as detailed in our privacy policy here.

We save and store the financial information to which you give us access, including bank account numbers and any information necessary to log in and display financial information available on the Financial Institutions’ online websites, all in accordance with our privacy policy here.

For the avoidance of doubt, the Financial Institutions are not parties to the contract between us and we do not act in the name of or on behalf of any Financial Institution, and the Financial Institution is not responsible for our activities or any deficiencies therein and vice-versa.

In addition, we may also be exposed to and collect information about additional beneficiaries registered in these accounts, and therefore you are required to obtain their consent to collect information about them from the accounts, according to your use of our services.

Your registration and your use of our services, as well as providing the login details for your accounts at the Financial Institutions, constitute confirmation that you have received all the required consents from the beneficiaries of your accounts at the relevant Financial Institutions for the collection of personal information about them by us, as described in these terms.

Please note that we do not intentionally and knowingly collect from your accounts at the Financial Institutions personal information about third parties who do not benefit from the account, but it is possible and from time to time that this type of information will be collected by us as part of the provision of our services.

If you receive a request from a user of your account or any other party whose details appear in the account, according to which that party does not want information about them to be collected by us, we ask that you promptly notify us of this privacy@finberry.ai.

Modifications to our website and/or services

From time to time, we are entitled to update and change our website and/or services, as well as block or cancel the account or stop providing the services, at our sole discretion. Also, we may change these terms of use from time to time and in cases, while notifying you of material changes.

We may, from time to time, update, upgrade, improve and not guarantee our website and/or services, delete any information or content from our website and/or services or change, correct, improve, and make other changes or stop providing information, content or features in which to give any advance and at our sole discretion.

We may, at any time, permanently block and/or limit your access to our website and/or services and/or block, cancel and/or limit access to the account at our sole discretion (in addition to any other remedy that may be available to us according to any law).

It is stated that we would not provide complete access to our website and/or services if we believe, at our sole discretion, that one (or more) of the following cases have occurred: (a) there is a risk to security or privacy; (b) there is a threat to the security or integrity of our network or our servers; (c) suspension is necessary to protect the rights, property or safety of us, our users or the public; (d) violation of these terms; (e) If, at our sole discretion, it is determined that you are conducting yourself as a convicted felon (the user who has been notified of infringing activity more than twice); and/or (g) we are required by law.

In addition, we are entitled at any time, at our sole discretion, to cease our website and/or services, temporarily or permanently, without giving any advance notice. You agree and confirm that we will not be responsible for any loss of information and/or damages arising from or related to its decision to stop or suspend the operation of our website and/or services.

You agree and confirm that we do not bear any responsibility or in connection with the termination of our website and/or services and/or loss of any data.

Intellectual Property

The website, the services, the content therein and all related intellectual property rights, including but not limited to patents and patent applications, trademarks and trademark applications, trade names, reputation, copyrights, trade secrets, domain names, whether or not registered or registrable (hereinafter, collectively: the “Intellectual Property”) are owned by us and/or licensed to us and protected by copyright laws and other intellectual property laws, and we hereby grant you a limited, personal, non-exclusive, non-transferable and non-sublicensable license to use the website and our services, subject to these terms of use. Any right not expressly granted to you under this Agreement shall be reserved by us and our licensors. For the avoidance of doubt, the terms do not grant you a right to our Intellectual Property, but only a limited and revocable right of use as stated. No provision in the terms constitutes a waiver of our Intellectual Property under any law.

Intellectual Property of third parties may be included within the services for presentation, description and identification purposes only. No right, license or ownership in our trademarks or in the trademarks of third parties is hereby granted, and therefore you must refrain from any use of these marks, unless otherwise permitted in these terms of use.

Please note that to the extent that you provide us with feedback, comment or suggestion about the website or services, you grant us an exclusive, royalty-free, perpetual, worldwide license to use any such feedback, comment or suggestion, at our discretion. You acknowledge that such feedback, comment or suggestion will be treated as non-confidential information.

Prohibited Uses

There are certain actions that are prohibited when using the website and/or our services. Please read these restrictions carefully. Failure to comply with these restrictions and prohibitions may result in the termination of your use of the website and/or our services, at our sole discretion, and may even expose you to civil and/or criminal liability.

You may not (and you may not permit any third party), unless expressly permitted by these terms of use: (a) use the website and/or our services for any illegal, immoral, unauthorized and/or prohibited purpose; (b) use the website and/or our services and/or our content for commercial or non-private purposes; (c) remove or separate from the contents and/or website and/or our services any restrictions and signs indicating our proprietary rights or our licensors, including all proprietary notices appearing therein (such as ©, TM or ®); (d) violate users’ rights to privacy and other rights, or collect personally identifiable information about users without their express consent, either manually or through the use of any robot, spider, any search or retrieval application, or use of any means, process or method manual or other automatic in order to enter the website and retrieve, collect and/or extract information; (e) damage or disrupt the operation of the website and/or our services, servers or networks that store the website and/or servers, or violate any law, regulation, requirement, procedure or policy of said servers or networks; (f) make false statements or misrepresent your relationship with any person or entity, or state explicitly or implicitly we are in any way associated with, sponsors, endorses you, your website, your business or your statements, or present false information or inaccurate about the website and/or our services and/or us; (g) perform any action that creates or may create a large and unreasonable load on the website’s infrastructure and/or services; (h) to bypass the means we use in order to prevent or limit access to the website and/or our services; (i) copy, correct, modify, adapt, deliver, make available, translate, redirect, reverse engineer, convert binary code to open source, decompile, or separate any part of the content or the website and/or our services or display to the public, create derivative works, perform, distribute or make similar use of the contents; (j) Copy, distribute, display, process, sublicense, make any commercial use, sell, rent, transfer, lend, collect, translate, create a derivative work, reverse engineer, combine with other software – any material subject to our proprietary rights, including our Intellectual Property (as that term is defined above), in any way or by any means; (k) make any use of the contents on any other website or computer network, for any purpose, without our prior written consent; (l) create a browser environment, frame, mirror or perform in-line linking to any part of the website and/or our services and content; (m) sell, license, or exploit for any commercial purpose any use or access to the website and/or our services; (n) create a database by systematically downloading and storing all or part of our contents; (o) transmit or make accessible in any other way, in connection with the website and/or our services, or contents, any virus of any kind, or any other computer code, file or software that may harm, or is intended to harm the activity of any hardware, software, communications equipment, code or component; and/or (p) use the website and/or our services or contents for any unauthorized purpose or that is inappropriate for the purpose of using the website and/or violate any of the conditions.

Limitation of Liability

The right to use our website and/or services and/or the contents is given to you AS-IS, and your use of our website and services is at your personal and sole responsibility.

We and our suppliers, managers, shareholders, directors, subcontractors, distributors, employees, related parties, agents, licensors and representatives (hereinafter, collectively: “our representatives”), do not bear any responsibility or liability of any kind (expressly or implied), including responsibility for title or non-infringement or implied responsibility for commercial quality or for suitability for a particular purpose, as well as liability arising from the normal course of business or commercial activity.

We and Our Representatives do not guarantee (a) that website and/or services and/or the contents are or will be safe to use, accurate, complete, without faults or interruptions, or free of viruses, defects, worms, other harmful components or other software restrictions, (b) that they will correct any errors, malfunctions or defects, (c) that the use, inability to use or manipulate, or the results of using our website and/or services and/or the contents, including the results of using the foregoing will meet the user’s requirements or expectations.

We and our representatives bear no responsibility and any guarantee or stipulation regarding the use of our website and/or services, including but not limited to the availability, reliability or quality of our website and/or services, are not responsible and will not be held responsible for errors, faults or deficiencies in relation to the contents and / or any information displayed within our website and/or services.

We and/or our representatives will not be responsible for any result arising from technical malfunctions (including but not limited to internet connectivity, line or server load, related delays and interruptions) and arising from internet and telecommunications providers. You agree that the use of our website and/or services and/or the contents are your sole responsibility.

After closing the account, we will not bear any responsibility regarding information entered and/or collected during your use of our website and/or services. It is your sole responsibility to ensure that this information is backed up and that you do not rely on it after you have finished using the Services.

If certain jurisdictions do not allow exclusions or limitations as stated above, the exclusions and limitations mentioned above will not apply in full, but only to the maximum extent permitted by applicable law.

For the avoidance of doubt, it is clarified that any decision on expenditure, income, investment, including any financial decision and/or other decisions for the management of the household and the family economy that will be made during your use of our website and/or services are made by you and under your sole responsibility.

We will not bear any responsibility for any damage, including direct, bodily, consequential, special, indirect and/or random damage, caused to you or third parties due to your use of our website and/or services, directly or indirectly, including (but not limited to) loss of any revenue, profits, sales or information, procurement costs of replacement products or services, business interruption or interruption and/or any other business and commercial loss or damage resulting from or related to your use of the service, even if made in accordance with the recommendations given to you as part of our website and/or services, for any cause of action (contractual, tortious or otherwise), and everything also in the event that we have been warned about the possibility that this type of damage may occur.

Without detracting from the above, our total responsibility towards you for all your damages of any kind will not exceed the price actually paid by you to us in connection with the our website and/or services in the twelve (12) months preceding the alleged damage.

You will have to defend us and indemnify us and our representatives from and against any claim, damage, loss, obligation, liability, expense and debt (including, without limitation, attorneys’ fees) that arise from: (a) your use of our website and/or services and/or content not in accordance with the conditions; (b) any breach by you of these terms of use; (c) your violation of any right of a third party, including but not limited to intellectual property rights and the right to privacy; and (d) any damage of any kind, whether direct, indirect, special or consequential damage, that you caused to a third party in connection with your use of our website and/or services and/or the contents. It is hereby clarified that the said indemnification obligation will apply even after the termination of your contract with us.

Without detracting from the generality of the above, we reserve the exclusive right to manage the exclusive defense and control of any matter and procedure related to indemnification on your part, in a manner that does not detract from your duty as stated, and which requires you to fully cooperate with us in the management of said procedure. You confirm that you will not agree to compromise in any matter subject to indemnification by you without obtaining our prior written consent.

Modifications to these Terms of Use

We reserve the right, at our sole discretion, to change the Terms of Use from now on, and asks you to revisit this page as often as possible.

We will make reasonable efforts to notify you of any material change in the Terms of Use, by a notice on the website.

Substantial changes made by us to the Terms of Use will enter into force within seven (7) days from the date of notification. All other changes to the Terms of Use will become effective on the last updated date of the Terms of Use, and your continued use of our website and/or services after the last updated date will constitute your acceptance of the changes required by you.

General legal conditions

Please read the Terms of Use carefully before our services or our website.

The Terms of Use constitute a binding and enforceable legal agreement between you and us. By entering, logging in, using our website and/or services, you confirm that you have read and understood the Terms of Use (and that the Terms of Use will bind you and that you will act in accordance with them), including the conditions detailed in our Privacy Policy, which you may find here.

If you do not agree to any of the Terms of Use of use listed herein, you are obliged, immediately, to refrain from entering, connecting or using our website and/or services in any way.

If you have any additional questions or comments regarding these Terms of Use, you are welcome to contact us info@finberry.ai. Our representatives are at your disposal for any request, response, question or complaint.

We are aware that when using our services you are entrusting us with personal and sensitive information and undertake that all your data and information (including personal and financial information) that will come into our hands as a result of your use of our services, will be kept confidential by us and that we will take the relevant security measures and standards, accepted and/or required by law, in order to maintain the integrity of said data and information and to protect it from disclosure to any third party, malicious use of it or copying it without lawful permission.

For more information about the security measures which we implemented to protect your information, please refer to our Privacy Policy here.

These Terms of Use will remain in effect until they are terminated as detailed in these Terms of Use. Failure to comply with the Terms of Use will terminate your use of our website and/or services and these Terms. In the event of your inability to comply with the Terms of Use, we may immediately, temporarily or permanently limit, suspend or close the account.

If you object to any provision of these Terms of Use, as amended from time to time, or you are not satisfied with the service, you may terminate your engagement with us at any time by exiting the website or closing your account with our services and/or by contacting us info@finberry.ai and this will be the only remedy available to you in these cases. After these the threat of contracting according to the conditions following failure of the conditions, all the rights granted to you above will automatically end and you will be obliged to immediately stop any use of our website and services.

The provisions of these Terms of Use, which by their nature survive the termination of the contract to fulfill the purposes of the Terms of Use will remain in effect. Except to detract from the generality of the above, the clauses regarding intellectual property, disclaimer, limitation of liability, indemnification and the “general” clause will continue to apply even after the termination of the contract.