Terms of Service

Effective Date: June 1, 2026

Legal Entity: Svikubh Innovations Private Limited

1. Acceptance of Terms

By accessing or using the FinMoon AI website, application, or related services (the “Services”), you agree to these Terms of Service. If you do not agree to these Terms, you must not use the Services.

2. About FinMoon AI

FinMoon AI is a financial research and decision-support tool designed to help users understand financial topics, organize verified information, compare options, and build stronger financial decision processes.

The Services are intended to present facts, research, calculations, checklists, and structured decision support only.

3. No Professional Advice

FinMoon AI does not provide financial advice, investment advice, tax advice, legal advice, insurance advice, credit advice, or any other regulated professional advice.

FinMoon AI does not recommend, endorse, sell, distribute, or advise users to choose any specific financial product, service, lender, insurer, broker, investment, or advisor.

Any output generated by the Services is intended solely for research, informational, and educational purposes and should not be treated as a recommendation to take, avoid, or change any financial product or service.

4. Eligibility

You must be legally capable of entering into a binding agreement under applicable law to use the Services. If you use the Services on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

5. Account Registration

Some features may require you to create an account or sign in through a third-party provider. You agree to provide accurate, current, and complete information and to keep your login credentials secure. You are responsible for all activity that occurs under your account.

6. Permitted Use

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to misuse the Services, interfere with the platform, attempt unauthorized access, reverse engineer protected portions of the Services except where legally permitted, scrape the Services at scale, or use the Services to develop a competing product.

7. User Inputs and Responsibility

You may provide questions, prompts, financial context, documents, or other inputs to receive outputs from the Services. You represent that you have the necessary rights and permissions to provide such inputs and that your inputs do not violate any law or third-party rights. You are responsible for reviewing outputs before acting on them.

8. Nature of Outputs

FinMoon AI may generate summaries, comparisons, calculators, decision workspaces, scenario analyses, and related factual or informational outputs based on user inputs and available sources.

These outputs may be incomplete, outdated, or unsuitable for your specific situation. They should not be treated as guaranteed, definitive, or as a substitute for independent judgment or professional review.

9. Sources and Third-Party Content

The Services may reference public websites, regulatory materials, financial product pages, calculators, or other third-party content as part of the research experience. Svikubh Innovations Private Limited does not control all third-party content and is not responsible for the accuracy, availability, legality, or practices of third-party websites or services.

Your use of third-party services is subject to their own terms and policies.

10. Product Positioning

FinMoon AI is designed to provide structured decision support, not product pushing, hidden sales recommendations, or generic influencer-style content.

Nothing on the website should be interpreted as a solicitation, brokerage service, distribution offer, or assurance that any financial product is appropriate for you unless expressly stated in a separate written agreement.

11. Privacy and Data Handling

Your use of the Services is also governed by the Privacy Policy published on the website.

Where personal data is processed, Svikubh Innovations Private Limited will handle it in accordance with applicable law and the Privacy Policy.

12. Intellectual Property

The Services, including software, design, text, branding, workflows, interfaces, graphics, and underlying technology, are owned by or licensed to Svikubh Innovations Private Limited and are protected by applicable intellectual property laws. Except for limited rights expressly granted under these Terms, no rights are transferred to you.

13. Feedback

If you provide ideas, suggestions, product feedback, or improvement requests, you grant Svikubh Innovations Private Limited a non-exclusive, worldwide, royalty-free right to use that feedback for product improvement without compensation to you, unless otherwise agreed in writing.

14. Service Changes

We may modify, suspend, or discontinue any part of the Services at any time, including features, integrations, usage limits, or access tiers. We may also update these Terms from time to time by posting a revised version on the website.

15. Disclaimers

The Services are provided on an “as is” and “as available” basis. To the maximum extent permitted by law, Svikubh Innovations Private Limited disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, availability, or error-free operation.

We do not warrant that the Services will always be uninterrupted, secure, or free from bugs, hallucinations, omissions, or delays.

16. Limitation of Liability

To the maximum extent permitted by law, Svikubh Innovations Private Limited, its directors, officers, employees, affiliates, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, goodwill, data, investments, opportunities, or business interruption arising out of or related to your use of the Services.

Our aggregate liability arising out of or relating to the Services will not exceed the greater of the amount paid by you to us for the Services in the 12 months preceding the claim or INR 1,000.

17. Indemnity

You agree to indemnify and hold harmless Svikubh Innovations Private Limited and its affiliates, officers, directors, employees, and agents from and against claims, liabilities, damages, losses, and expenses arising from your misuse of the Services, your violation of these Terms, your violation of applicable law, or your infringement of third-party rights.

18. Termination and Suspension

We may suspend or terminate your access if we reasonably believe you have violated these Terms, created legal risk, misused the Services, or harmed other users or the platform. You may stop using the Services at any time.

19. Governing Law and Jurisdiction

These Terms are governed by the laws of India. Subject to applicable law, the courts at [Insert City, India] shall have exclusive jurisdiction over disputes arising from or relating to these Terms.

20. Contact Information

For questions regarding these Terms, please contact:

Svikubh Innovations Private Limited
Any questions or concerns about these Terms can be directed to admin@finmoon.ai Hyderabad, India