Summary: FinVestPro provides an AI-driven investment platform. These terms govern your use of our services. You must be 18 or older, a resident of an eligible jurisdiction, and agree to our KYC/AML requirements to open an account. All investing carries risk — please read Section 8 carefully.

§ 1

1. Acceptance of Terms

These Terms of Service ("Terms," "Agreement") constitute a legally binding agreement between you ("User," "you," or "your") and FinVestPro LLC ("FinVestPro," "we," "us," or "our"), a Delaware limited liability company with its principal offices at 350 Fifth Avenue, Suite 4100, New York, NY 10118.

By (i) clicking "I Agree" or similar acceptance mechanisms during the account registration process, (ii) accessing or using the FinVestPro platform, website, mobile applications, or any related services (collectively, the "Services"), or (iii) continuing to use the Services after changes to these Terms have been posted, you agree to be bound by these Terms in their entirety.

If you do not agree to these Terms, you must not access or use the Services. These Terms incorporate by reference our Privacy Policy, Risk Disclosure Statement, and any supplemental terms applicable to specific features of the Services.

These Terms were last updated on March 15, 2026. We encourage you to review these Terms periodically. Your continued use of the Services following any modification constitutes your acceptance of the revised Terms.


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2. Eligibility and Account Registration

2.1 Age and Legal Capacity

To use FinVestPro's Services, you must be at least 18 years of age and possess the legal capacity to enter into a binding contract under the laws of your jurisdiction. By registering an account, you represent and warrant that you meet these requirements.

2.2 Geographic Eligibility

The Services are available to residents of eligible jurisdictions as defined in our Regulations page. We do not offer Services to residents of jurisdictions subject to comprehensive OFAC sanctions programs, including but not limited to Iran, North Korea, Cuba, Syria, and the Crimea, Donetsk, and Luhansk regions. You are responsible for ensuring that your use of the Services complies with all applicable laws in your jurisdiction.

2.3 Account Registration

To access the full functionality of the Services, you must complete the registration process, which includes:

  • Providing accurate and complete personal information including full legal name, date of birth, country of residence, and contact details;
  • Completing our Know Your Customer (KYC) verification process by submitting valid government-issued identification and supporting documents;
  • Creating a secure password and agreeing to safeguard your login credentials;
  • Accepting these Terms of Service and our Privacy Policy.

2.4 Account Accuracy

You agree to maintain accurate, complete, and up-to-date account information. Failure to do so may result in suspension or termination of your account. You must promptly notify us of any changes to your personal information by updating your account settings or contacting support@finvestpro.net.

2.5 Single Account Policy

Each individual or entity may only maintain one active account on the FinVestPro platform. The creation of multiple accounts for the same individual is prohibited and may result in permanent account termination and forfeiture of funds.


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3. Description of Services

FinVestPro operates an AI-driven investment platform that provides users access to managed investment plans across multiple asset classes including equities, fixed income, forex, commodities, and digital assets. Our proprietary AI engine continuously analyzes global market data to optimize allocation strategies and generate returns for our users.

3.1 Investment Plans

FinVestPro offers a range of investment plans with defined terms, projected return rates, and maturity periods. Each plan is administered by our AI model, which autonomously executes investment decisions on behalf of all participants in a given plan. The specific parameters of available plans — including minimum investment amounts, durations, and projected ROI percentages — are displayed in the platform dashboard and are subject to change.

3.2 AI-Driven Management

Our investment methodology is fully automated. FinVestPro's AI engine processes real-time market signals, macroeconomic indicators, sentiment data, and historical patterns to make allocation decisions. You acknowledge that by investing through FinVestPro, you are delegating investment decision-making to our AI system and will not have direct control over individual trade execution.

3.3 Platform Access

We provide a web-based dashboard through which you may monitor your active investments, track performance, initiate deposits and withdrawals, manage account settings, and access transaction history. We strive for 99.9% platform availability but do not guarantee uninterrupted access and shall not be liable for any service disruptions.

3.4 No Advisory Relationship

Nothing in these Terms or on the FinVestPro platform constitutes personalized financial, investment, tax, or legal advice. FinVestPro does not act as your fiduciary, financial advisor, or broker-dealer in a traditional advisory capacity. Projected returns presented on the platform are estimates based on historical AI performance and are not guarantees of future results.


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4. Account Terms and User Responsibilities

4.1 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials, including your email address and password. You agree to immediately notify FinVestPro at security@finvestpro.net if you suspect any unauthorized access to your account. FinVestPro will not be liable for any losses arising from unauthorized use of your account resulting from your failure to safeguard your credentials.

4.2 Accurate Information

You warrant that all information provided to FinVestPro — including during registration, KYC verification, and throughout your use of the Services — is accurate, truthful, and not misleading. Providing false or fraudulent information is grounds for immediate account termination and may expose you to civil or criminal liability.

4.3 Compliance with Laws

You agree to use the Services in full compliance with all applicable local, state, national, and international laws and regulations, including but not limited to securities laws, tax laws, anti-money laundering laws, and export control regulations.

4.4 Tax Obligations

You are solely responsible for determining, reporting, and paying any taxes applicable to your investment returns, capital gains, or other income derived through use of the Services. FinVestPro does not provide tax advice. We recommend consulting a qualified tax professional regarding the tax treatment of your investments.

4.5 System Integrity

You agree not to attempt to interfere with, compromise, or disrupt the FinVestPro platform, its infrastructure, or the accounts of other users. This includes but is not limited to attempting to reverse engineer the platform, transmitting malware, performing denial-of-service attacks, or scraping platform data through automated means.


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5. Investment Plans and Returns

5.1 Plan Selection

You may select from available investment plans displayed in your dashboard. Each plan specifies the minimum and maximum investment amounts, the investment duration (term), and the projected return on investment (ROI). By confirming an investment in a plan, you acknowledge and accept all terms and conditions of that specific plan.

5.2 Plan Maturity

Upon successful maturity of an investment plan — meaning the completion of the specified investment term — the principal amount plus any accrued returns will be credited to your FinVestPro account balance. Maturity credits are processed automatically by the platform's ROI engine. You may then withdraw available funds subject to the withdrawal terms set out in Section 6.

5.3 No Guarantee of Returns

All projected ROI rates are estimates based on FinVestPro's AI model performance and historical data. They do not constitute a guarantee of future returns. Market conditions may cause actual returns to differ materially from projections. You may lose some or all of your invested principal.

5.4 Early Termination

Investment plans are generally locked for their specified term. Early termination of an active investment plan is not available to users through the self-service dashboard. In exceptional circumstances (such as verified account security incidents or regulatory requirements), FinVestPro may, at its sole discretion, process an early termination. Early termination may result in reduced or forfeited returns.

5.5 Plan Availability

FinVestPro reserves the right to modify, suspend, or discontinue specific investment plans at any time. If an active plan you are enrolled in is discontinued for regulatory or operational reasons, your principal will be returned to your account balance. We will provide reasonable notice of plan changes where practicable.

5.6 Re-investment

Upon plan maturity, credited balances are not automatically re-invested. You must actively select and confirm a new investment plan through your dashboard. FinVestPro does not maintain auto-reinvestment functionality unless explicitly stated in plan-specific terms.


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6. Deposits, Withdrawals and Fees

6.1 Deposits

You may fund your FinVestPro account by initiating a deposit through the platform dashboard and following the instructions provided for your selected payment method. All deposits must originate from accounts or payment instruments registered in your own name. Third-party deposits are prohibited. Deposit amounts are credited to your account balance upon confirmation by our payment processor.

6.2 Withdrawal Processing

Withdrawal requests are processed within three (3) business days from the time of submission. Business days are Monday through Friday, excluding US federal holidays. Funds are remitted to the bank account or payment method on file in your account profile. Withdrawal processing times may be extended during periods of high volume, regulatory review, or compliance checks.

6.3 Withdrawal Eligibility

To be eligible to withdraw funds, your account must:

  • Have a verified KYC status;
  • Have a confirmed withdrawal method on file;
  • Not be subject to any pending compliance review or administrative hold;
  • Have available balance (i.e., funds not locked in active investment plans).

6.4 Fees

FinVestPro may charge fees in connection with certain account operations. Any applicable fees will be clearly disclosed in the platform dashboard prior to transaction confirmation. We reserve the right to modify our fee structure with 30 days' prior notice to users.

6.5 Minimum Transactions

Minimum deposit and withdrawal amounts may apply and are displayed in the platform. FinVestPro reserves the right to reject transactions that do not meet minimum thresholds.

6.6 Currency

All account balances and transactions on the FinVestPro platform are denominated in US Dollars (USD) unless otherwise specified. Currency conversion, if applicable, is performed at rates determined by our payment processors and may include conversion fees.


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7. KYC / AML Obligations

FinVestPro is committed to full compliance with applicable Know Your Customer (KYC) and Anti-Money Laundering (AML) laws and regulations, including the Bank Secrecy Act (BSA) and related FinCEN guidance.

7.1 Identity Verification

As part of our Customer Identification Program (CIP), all users are required to provide identity verification documents before being permitted to make investments or process withdrawals. Required documentation includes:

  • Government-issued photo identification (passport, national ID card, or driver's license);
  • Proof of address (utility bill, bank statement, or government correspondence dated within 90 days);
  • Additional documentation may be requested at FinVestPro's discretion.

7.2 Ongoing Monitoring

FinVestPro conducts ongoing transaction monitoring and periodic account reviews. We may request updated identity documentation or source of funds information at any time. Failure to provide requested documentation within a reasonable timeframe may result in account restriction or closure.

7.3 Suspicious Activity Reporting

FinVestPro is legally required to report suspicious activity to appropriate regulatory authorities. This includes filing Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) where applicable. We cannot notify you when a SAR or CTR has been filed related to your account.

7.4 Prohibited Source of Funds

You represent and warrant that all funds deposited into your FinVestPro account are derived from legitimate sources and are not the proceeds of any criminal, fraudulent, or unlawful activity. FinVestPro reserves the right to freeze and return funds where we have reasonable grounds to suspect they are connected to illicit activity.


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8. Risk Disclosure

⚠ Important: Investing involves significant risk. You may lose some or all of your invested capital. Past performance of FinVestPro's AI model does not guarantee future results. Do not invest funds you cannot afford to lose.

8.1 Market Risk

Investment values are subject to fluctuations in financial markets driven by economic conditions, geopolitical events, regulatory changes, and other factors beyond FinVestPro's control. Market volatility can result in rapid and substantial losses.

8.2 AI Model Risk

While FinVestPro's AI model has demonstrated strong historical performance, no AI system can predict markets with certainty. The model may produce suboptimal results under market conditions significantly different from those in its training data, in novel economic environments, or in periods of extreme market stress.

8.3 Liquidity Risk

Funds committed to active investment plans are illiquid for the duration of the plan term. You may be unable to access invested funds in an emergency without forfeiting returns or incurring penalties. Do not invest funds you may need immediate access to.

8.4 Regulatory Risk

Changes in laws or regulations applicable to investment platforms, digital assets, or financial services may adversely affect FinVestPro's operations or the availability of certain investment products in your jurisdiction.

8.5 Counterparty and Operational Risk

FinVestPro relies on third-party service providers for payment processing, data infrastructure, and custody of assets. Failure or disruption of these third-party services could impact platform operations and, in extreme cases, asset recovery.

8.6 Cybersecurity Risk

Despite our best efforts to maintain industry-standard cybersecurity practices, FinVestPro's platform may be subject to cyberattacks, data breaches, or unauthorized access that could impact user funds or personal information. We maintain cybersecurity insurance and incident response protocols, but cannot guarantee absolute protection against all threats.

8.7 No Government Guarantee

Investments made through FinVestPro are not insured by the FDIC, SIPC, or any other government or quasi-governmental insurance program. In the event of FinVestPro's insolvency, you may not recover all or any portion of your invested funds.


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9. Prohibited Activities

You agree not to use the Services for any of the following purposes:

  • Money laundering, terrorist financing, or any other activity that violates applicable AML/CFT laws;
  • Funding accounts with proceeds of criminal activity;
  • Creating multiple accounts to circumvent investment limits, account restrictions, or compliance reviews;
  • Providing false, misleading, or fraudulent information to FinVestPro or its representatives;
  • Attempting to manipulate, exploit, or abuse any aspect of FinVestPro's platform, AI model, or investment plans;
  • Using automated scripts, bots, or other tools to interact with the platform in ways not authorized by FinVestPro;
  • Circumventing security features or attempting to gain unauthorized access to other user accounts or platform infrastructure;
  • Using the Services in any jurisdiction where doing so is illegal or in violation of local regulations;
  • Engaging in any form of market manipulation in connection with financial instruments accessible through the platform;
  • Uploading or transmitting viruses, malware, or other harmful code through the platform;
  • Violating any applicable export or sanctions controls;
  • Conducting any activity that could expose FinVestPro to regulatory, legal, or reputational harm.

Violation of these prohibitions may result in immediate account suspension or termination, forfeiture of funds pending compliance review, and referral to appropriate law enforcement or regulatory authorities.


§ 10

10. Intellectual Property

10.1 Ownership

All content, features, and functionality of the FinVestPro platform — including but not limited to software, AI algorithms, user interface designs, logos, text, graphics, and data compilations — are the exclusive property of FinVestPro LLC and are protected by US and international copyright, trademark, patent, trade secret, and other intellectual property laws.

10.2 Limited License

FinVestPro grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial investment purposes in accordance with these Terms. This license does not include the right to:

  • Copy, modify, or create derivative works of the platform or its content;
  • Reverse engineer, decompile, or disassemble any software component;
  • Remove or alter any proprietary notices, labels, or marks;
  • Sublicense, sell, or transfer any rights in the platform to third parties.

10.3 User Content

Any feedback, suggestions, or ideas you submit to FinVestPro regarding the Services may be used by us without any obligation to compensate you. You grant FinVestPro a perpetual, irrevocable, worldwide, royalty-free license to use such submissions for any purpose.

10.4 Trademarks

The FinVestPro name, logo, and related marks are trademarks of FinVestPro LLC. You may not use these marks without our prior written consent. All other trademarks referenced on the platform are the property of their respective owners.


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11. Limitation of Liability

11.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. FINVESTPRO DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINVESTPRO, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, PARTNERS, AND LICENSORS SHALL NOT BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, INVESTMENT RETURNS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICES.

IN NO EVENT SHALL FINVESTPRO'S TOTAL AGGREGATE LIABILITY TO YOU EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO FINVESTPRO IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM OR (B) ONE HUNDRED US DOLLARS ($100).

11.3 Jurisdictional Exceptions

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain types of damages. In such jurisdictions, FinVestPro's liability is limited to the minimum extent permitted by applicable law.


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12. Indemnification

You agree to defend, indemnify, and hold harmless FinVestPro LLC, its affiliates, officers, directors, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

  • Your use of the Services in violation of these Terms;
  • Your violation of any applicable law or regulation;
  • Your violation of any third-party right, including intellectual property rights or privacy rights;
  • Any fraudulent, misleading, or inaccurate information you provide to FinVestPro;
  • Any claim arising from your investment activities conducted through the platform.

FinVestPro reserves the right to assume exclusive control over the defense of any matter subject to indemnification by you, at your expense. You agree to cooperate with our defense of such claims.


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13. Suspension and Termination

13.1 Termination by You

You may close your FinVestPro account at any time by contacting support@finvestpro.net. Before account closure, you must ensure that all active investment plans have matured or been resolved and that no pending transactions are outstanding. Any available balance at the time of closure will be processed for withdrawal in accordance with Section 6.

13.2 Termination or Suspension by FinVestPro

We reserve the right to suspend or permanently terminate your account, with or without notice, if:

  • You breach any provision of these Terms;
  • We are required to do so by applicable law or a regulatory authority;
  • Your account is associated with suspicious, fraudulent, or unlawful activity;
  • You fail to complete KYC verification within a required timeframe;
  • Your account has been inactive for an extended period as defined in our account inactivity policy;
  • We determine, in our sole discretion, that your continued use poses legal or reputational risk to FinVestPro.

13.3 Effect of Termination

Upon termination, your right to use the Services ceases immediately. Funds in active investment plans at the time of termination may be subject to a compliance review period before being released. FinVestPro will make reasonable efforts to return available balances to you subject to compliance requirements, deduction of any outstanding fees, and applicable law.

13.4 Survival

Provisions of these Terms which by their nature should survive termination shall survive, including without limitation Sections 8, 10, 11, 12, 14, and 16.


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14. Dispute Resolution and Governing Law

14.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles.

14.2 Informal Resolution

Before initiating any formal dispute proceedings, you agree to attempt to resolve the dispute informally by contacting FinVestPro at legal@finvestpro.net. We will make good-faith efforts to resolve disputes within 30 days of receiving written notice.

14.3 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitration will take place in New York, New York. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

14.4 Class Action Waiver

YOU AND FINVESTPRO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. If any court or arbitrator determines that this class action waiver is void or unenforceable, the arbitration agreement in Section 14.3 shall be null and void with respect to such proceeding.

14.5 Exceptions

Notwithstanding the foregoing, either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent irreparable harm, and claims relating to intellectual property rights may be brought in court.

14.6 Limitation Period

Any claim arising from or relating to these Terms or the Services must be brought within one (1) year after the cause of action accrues. Claims not brought within this period are permanently barred.


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15. Amendments to These Terms

FinVestPro reserves the right to modify these Terms at any time. When we make material changes, we will:

  • Post the updated Terms on this page with a revised "Last Updated" date;
  • Send a notification email to the address registered to your account;
  • Display a notification banner in the platform dashboard for a period of not less than 14 days.

Your continued use of the Services after the effective date of any modification constitutes your acceptance of the revised Terms. If you disagree with the modified Terms, you must stop using the Services and may close your account in accordance with Section 13.1.


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16. Miscellaneous

16.1 Entire Agreement

These Terms, together with the Privacy Policy and any supplemental terms applicable to specific Services, constitute the entire agreement between you and FinVestPro regarding the subject matter hereof and supersede all prior agreements and understandings.

16.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it enforceable.

16.3 Waiver

FinVestPro's failure to enforce any right or provision of these Terms shall not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of FinVestPro.

16.4 Assignment

You may not assign or transfer your rights or obligations under these Terms without FinVestPro's prior written consent. FinVestPro may assign these Terms, in whole or in part, in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets.

16.5 Force Majeure

FinVestPro shall not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including acts of God, natural disasters, government actions, pandemics, infrastructure failures, or cyberattacks.

16.6 Electronic Communications

You consent to receive all communications from FinVestPro electronically, including via email or in-platform notifications. You agree that electronic notices satisfy any legal requirement that communications be provided in writing.

16.7 No Third-Party Beneficiaries

These Terms are for the sole and exclusive benefit of the parties and do not create any third-party beneficiary rights.

16.8 Headings

Section headings are for convenience only and shall not affect the interpretation of these Terms.


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17. Contact Information

If you have any questions, concerns, or complaints regarding these Terms of Service, please contact us:

FinVestPro LLC — Legal Department

350 Fifth Avenue, Suite 4100

New York, NY 10118

General Inquiries: support@finvestpro.net

Legal & Disputes: legal@finvestpro.net

Compliance: compliance@finvestpro.net

Response time: Within 3–5 business days for general inquiries. Legal matters may take up to 30 days.