FinChiefs
Legal

Terms of Service

v10 · Published October 21, 2026

Effective date: 2026-10-21

1. Acceptance of Terms

By accessing or using FinChiefs, including its public pages, or by creating an account, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the platform.

2. Description of Service

FinChiefs is a market intelligence platform that indexes publicly available financial research and uses artificial intelligence to extract structured factual data - such as asset directional views, macro drivers, and content summaries - from research articles and podcast episodes published by third-party providers.

FinChiefs does not republish, redistribute, or display the full text of any third-party content. All insights, summaries, and structured data presented on the platform are AI-generated analytical outputs derived from publicly available sources. On the platform, insights are attributed to their source and linked to the original where available.

3. AI-Generated Content

All structured insights (asset views, macro drivers, content descriptions) and AI responses displayed on FinChiefs are generated by artificial intelligence models. This means:

  • AI outputs may contain inaccuracies, misinterpretations, or errors.
  • AI-generated summaries and extracted views are analytical interpretations, not reproductions of original content.
  • You should always consult the original source (linked from each insight) for verification.
  • FinChiefs does not guarantee the accuracy, completeness, or timeliness of any AI-generated content.

4. Not Financial Advice

FinChiefs is not a licensed securities dealer, broker, U.S. registered investment adviser, or equivalent in any jurisdiction. Nothing on this platform - including AI-generated asset views, macro driver summaries, directional signals, LinkedIn posts and other social distribution carrying the FinChiefs name, the public sample-digest page, the public landing page, or any other content - should be construed as investment advice, a personal recommendation, or an offer to buy, sell, or hold any security or financial product.

AI-extracted directional views (e.g., "Bullish on Gold" or "Bearish on EUR/USD") are machine-generated summaries of third-party research opinions. They are not trade recommendations from FinChiefs and may not reflect the source provider's current view.

You are solely responsible for your own investment decisions. Always consult a qualified, licensed financial advisor before making any investment.

5. Nature of Extracted Content

Research indexed by FinChiefs may discuss a wide range of financial instruments including equities, bonds, derivatives, foreign exchange, commodities, and digital assets. AI-extracted views reflect what third-party authors have stated or implied - they are not assessments of suitability, risk, or appropriateness for any investor.

  • AI-extracted directional labels ("Bullish", "Bearish") are simplified representations of complex, often conditional analysis. They do not capture the full context, timeframe, or caveats of the original research.
  • Extracted views are based on content available at the time of processing. The source provider's position may have changed.
  • Original research views may have varying investment horizons (intraday, short-term, medium-term, long-term). Where a source states a horizon, FinChiefs may attempt to capture it, but any horizon shown may be missing, simplified, or wrong. Where no horizon is shown, the view carries no implied timeframe.
  • FinChiefs does not guarantee timely updates of content on the platform. There may be delays between when a provider publishes or updates their research and when FinChiefs processes it. Views displayed on the platform may be outdated.
  • Past performance of any asset referenced on the platform is not indicative of future results.
  • FinChiefs does not evaluate, endorse, or verify the quality or accuracy of any provider's research or views.

6. Public Distribution and Disclosures

FinChiefs distributes summaries of indexed research on third-party platforms (including LinkedIn) and on its own publicly accessible pages. All such distribution is summary or paraphrase of public third-party research, not original forecasts or recommendations produced by FinChiefs.

  • Attribution framing. Public posts and pages frame directional claims as views of third-party research ("researchers argue", "the consensus view"), not as FinChiefs's own conclusions, and do not name individual research providers. Provider attributions are available to logged-in users on the platform. FinChiefs is not affiliated with or endorsed by any provider whose research it indexes.
  • No positions, no compensation. FinChiefs and its operator hold no positions in any instrument referenced in our digests, posts, or AI outputs at the time of publication. We receive no compensation from any provider whose research we index, do not accept paid placement, and do not run promoted insights. If this changes, we will update our public Disclosures page and carry the relevant disclosure on the affected content.
  • Audience. Public distribution is intended for general informational purposes for a global professional audience and is not directed at retail investors in any specific jurisdiction. It is not for distribution where prohibited by local law.
  • Canonical statement. Our full disclosures and methodology are published at finchiefs.com/disclosures. That page sits alongside, and does not replace, these Terms of Service.

7. Content Attribution and Third-Party Sources

FinChiefs aggregates and indexes publicly available financial research from third-party providers (banks, asset managers, independent research houses, podcasters). We respect the intellectual property rights of all content creators.

  • Attribution: On the platform, insights are attributed to their source provider and link to the original content where available.
  • Factual extraction: FinChiefs extracts factual data points (e.g., directional views on assets, macroeconomic themes) from source material. Factual information is not subject to copyright protection.
  • No full-text display: FinChiefs does not display the full text of any third-party article or transcript to users. Only AI-generated structured data, short descriptions, and links to originals are shown.
  • Provider opt-out: Content providers who wish to be excluded from FinChiefs indexing may contact us via the Contact Support form. We will process opt-out requests within a reasonable time.

8. Copyright Notices

If you believe that content on FinChiefs infringes your copyright, please submit a notice via the Contact Support form, including:

  • Identification of the copyrighted work you believe is infringed.
  • Identification of the material on FinChiefs that you believe is infringing, with sufficient detail for us to locate it.
  • Your contact information (name, address, email, phone).
  • A statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law.
  • A statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on their behalf.
  • Your physical or electronic signature.

We will review notices that include all of the above and may remove or disable access to the content concerned. Notices that are incomplete may not be acted on.

9. User Accounts

  • You must provide accurate information when creating an account.
  • You are responsible for maintaining the security of your account credentials.
  • You must not share your account with others.
  • You must be at least 18 years old to use this service.

10. Acceptable Use

You agree not to:

  • Use the platform for any unlawful purpose.
  • Attempt to gain unauthorized access to any part of the platform.
  • Reproduce, redistribute, or resell any content, data, or AI outputs obtained from the platform.
  • Use automated tools to scrape or extract data from the platform, except through MCP access as set out in Section 13.
  • Represent AI-generated insights as your own original research or analysis.
  • Rely on any information from the platform as the sole basis for financial decisions.

11. Paid Plan — Subscription

Access to AI features (Ask AI, per-entity AI threads) is available under a paid plan. The paid plan is a recurring monthly subscription of USD 2.50, billed through Stripe. By subscribing, you agree to:

  • Automatic renewal. The subscription renews automatically each month using the payment method on file. You can cancel at any time through the in-app Billing Portal; access continues until the end of your current paid period, after which your account reverts to the free tier.
  • Pricing changes. We may change the subscription price with at least 30 days' notice via email and in-app notification. Pricing changes take effect on your next renewal; existing paying subscribers are not retroactively charged the new price for the current period.
  • Refunds. Subscription fees are refundable on request within 14 days of purchase only if you have not made any paid AI query during that period. After the 14-day window, or after any paid AI usage, the subscription is non-refundable, except where applicable law requires otherwise.

12. Paid Plan — Prepaid AI Credits

AI queries are metered against a prepaid USD-denominated credit balance on your account. Except where applicable law requires otherwise:

  • Purchase. Credits are sold as one-time packs ($5, $10, $25, $50, $100) via Stripe Checkout. Credits are added to your account balance once payment is confirmed.
  • Debit. Each AI query debits an amount equal to the raw model-provider cost (Anthropic / OpenAI) plus a 50% platform service markup, rounded up to the nearest cent with a 1-cent floor. The marked-up per-million-token rate for each supported model is displayed on the Upgrade page and the Profile Billing card.
  • Non-refundable. Credits are non-refundable once purchased and have no cash value. Unused credits remain on your account indefinitely as long as the account is active, including after subscription cancellation.
  • No transfers. Credits are tied to your account and cannot be transferred, sold, or gifted to other users.
  • Balance cap. Each account has a maximum credit balance (default USD 250). You can request a higher cap via the "Request higher cap" flow on the Profile Billing card; approval is at our discretion.
  • Account deletion. If you delete your account (or we terminate it for cause), any remaining credits are forfeited without refund.

13. Access through Your Own AI Tools (MCP Access)

Members may connect AI tools of their choice to FinChiefs using a personal access token or by approving a connection in FinChiefs ("MCP access"). MCP access may be offered on the free plan with lower usage limits and more limited data, and with higher limits as part of a paid membership. MCP access is subject to these Terms.

  • Personal use only. Tokens are for your own use; do not share them. You are responsible for all activity under your tokens and must revoke a token immediately if you believe it has been exposed.
  • No bulk extraction or redistribution. You may not use MCP access to copy or store platform data in bulk, to build or train any database, model or service, or to publish, redistribute or resell platform data or outputs. The other restrictions in these Terms continue to apply.
  • Limits and availability. We set usage limits and may change them, and may suspend or end MCP access or revoke tokens at any time, with or without notice.
  • Third-party tools. AI tools you connect are third-party services that you choose, governed by their own terms. We are not responsible for how they process data, which links they follow, or what they produce.
  • Links to original publications are provided for reference only. Access to the originals is governed by their publishers' terms.
  • No advice. Data obtained through MCP access is subject to the same disclaimers as the rest of the platform and is not investment advice.

14. Currency and Foreign Exchange

All prices, charges, and credit balances on FinChiefs are quoted and billed in United States Dollars (USD). If the payment method you use is denominated in another currency, your card issuer or bank will convert the USD charge to your local currency at their prevailing rate and may apply foreign-exchange or foreign-transaction fees. Those fees are set by your bank and are outside our control; FinChiefs receives only the USD amount quoted at checkout.

15. Taxes

Subscription and credit-pack prices on the platform are shown exclusive of tax. Applicable sales tax, VAT, or GST is calculated at checkout by Stripe Tax based on your billing address and added to the USD total you are charged.

16. Service Availability

AI features are provided on a best-effort basis. We reserve the right to temporarily suspend AI processing for:

  • Maintenance, upgrades, or incident response.
  • Cost management (unusual spend patterns, upstream provider pricing changes).
  • Compliance or abuse investigations.

If AI access is suspended for more than 72 consecutive hours, paying subscribers may request a pro-rated service credit applied against their next subscription renewal by contacting us via the Contact Support form. Suspensions of AI do not affect your subscription, your credit balance, or any non-AI features of the platform.

17. AI Model Providers

AI responses are generated by third-party AI language models. Those providers are subject to their own terms of service and usage policies. FinChiefs is not responsible for the content, accuracy, or availability of third-party AI services. We may change or add AI model providers at any time.

18. Intellectual Property

The FinChiefs platform - including its design, code, branding, and AI extraction methodology - is owned by FinChiefs. Research content aggregated from third-party providers remains the intellectual property of the respective providers. AI-generated structured outputs (extracted asset views, macro themes, summaries) are derivative analytical works produced by FinChiefs.

19. Limitation of Liability

To the maximum extent permitted by law, FinChiefs and its operators shall not be liable for:

  • Any financial losses arising from investment decisions made using information from the platform.
  • Inaccuracies, errors, or omissions in AI-generated content or extracted data.
  • Interruptions or unavailability of the service.
  • Actions of third-party AI providers, payment processors, or content sources.
  • Any indirect, incidental, special, or consequential damages.

The platform is provided "as is" and "as available" without warranties of any kind.

20. Indemnification

You agree to indemnify and hold harmless FinChiefs and its operators from any claims, damages, or expenses arising from your use of the platform, your violation of these Terms, or your reliance on any content or AI output obtained through the platform.

21. Changes to Terms

We may update these Terms at any time. Material changes - including changes to pricing, the credits model, or refund policy - will require explicit re-acceptance through the platform. Your continued use after accepting updated Terms constitutes agreement to the new Terms.

22. Termination

We reserve the right to suspend or terminate accounts that violate these Terms, without prior notice. Upon termination, your right to use the platform ceases immediately. Termination for cause does not entitle you to a refund of any unused subscription period or any unused credit balance.

23. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to conflict of law provisions.

24. Research and other market information

The information made available to you through FinChiefs - including research summaries, asset insights, the Daily Digest, social posts and public pages, charts, and any commentary, score, label or signal derived from them - is provided for general informational and educational purposes only. It is not, and must not be relied upon as, investment, financial, trading, tax, legal, accounting or any other professional advice; nor as an invitation, offer, solicitation or recommendation to buy, sell, hold or otherwise transact in any security, derivative, currency, commodity, digital asset or other financial instrument.

We are not your broker, investment manager, financial planner, fiduciary or adviser. We do not know your personal circumstances, financial position, objectives, risk tolerance, tax status, or investment horizon, and nothing we publish takes any of those into account. Any decision you make about whether to enter into a transaction, hold a position, or refrain from doing so is yours alone, made independently and on the basis of your own analysis and the advice of professionals you have personally engaged.

Content on the platform is generated mechanically - by deterministic computation over historical and recent data, by automated language models, or both - and may be published without a person reviewing it. Any figure, score, label, chart or commentary so produced reflects computation on past data; it does not predict future price movements, returns, or outcomes of any kind. Markets do not behave the same way twice, and past performance is never a reliable indicator of future performance.

We make no representation or warranty, express or implied, that the information shown is accurate, complete, current, free of errors, or fit for any particular purpose. Source data may be delayed, missing, mis-aligned or mis-categorised; calculations may contain bugs; mappings between research providers' commentary and named instruments may be wrong; categories and labels may not correspond to the way you, or any regulator, classify the same asset. Where data is known or suspected to be incomplete or stale we try to surface a quality indicator on the page itself, but the absence of a warning does not mean the information is reliable.

Where the platform displays summaries or extracts of research originally published by third parties, those summaries are produced automatically and may not reflect the original author's intended meaning, context, conviction, time horizon, conditions, or caveats. Citing a third-party view on FinChiefs does not constitute our endorsement of that view, and our omission of a particular view does not constitute disagreement with it. The original publishers are responsible for their own content; we are responsible only for the act of summarising and displaying it.

All investing, trading and speculation carries risk, including the risk of losing the entire amount you commit and - in the case of leveraged instruments such as futures, options, contracts for difference, margin positions and certain digital assets - of losses substantially in excess of the amount initially committed. Some of the instruments referenced on the platform are not suitable for all investors and may be subject to local restrictions on availability or sale. You are solely responsible for ensuring that any transaction you undertake is lawful in your jurisdiction and appropriate for you.

To the fullest extent permitted, FinChiefs, its operator, contributors, employees, contractors and affiliates accept no liability whatsoever for any loss, damage, cost or expense - whether direct, indirect, incidental, consequential or otherwise - arising from any use of, reliance on, or inability to access the platform or any content within it. Your use of FinChiefs is at your own risk.

By continuing to use the platform you confirm that you have read and understood this notice, and that you will not treat anything published on FinChiefs as personalised advice or as a basis, in itself, for any investment decision.

25. Contact

For questions about these Terms, copyright notices, refund requests, provider opt-out requests, or items covered by our public Disclosures page (finchiefs.com/disclosures - including position policy, methodology, or correction requests for public posts), contact us via the Contact Support form on the platform.