Terms of Service

These Terms of Service ("Terms") govern your use of finbrofinance.com (the "Site"), operated by MARKETCRAFT LLC. By using the Site, creating an account, or subscribing to a paid plan, you agree to these Terms. If you do not agree, do not use the Site.

The Service

FinBro Finance provides educational financial tools, calculators, models, market-data displays, written content, and community access on a free and paid-subscription basis. The Site is an information and education product only; it does not execute trades, hold funds, or provide personalized financial advice. We may add, change, or discontinue features at any time.

Your Account

Some features require an account, created and secured through our authentication provider. You agree to provide accurate information, to keep your login credentials confidential, and to be responsible for all activity under your account. You must be at least 18 years old to create an account or subscribe. Notify us promptly of any unauthorized use.

Use of the Site

You may use the Site for lawful purposes only. You agree not to interfere with the Site's operation, attempt to gain unauthorized access, scrape content at scale, or use the Site to transmit malicious code.

Intellectual Property

All content on the Site — text, graphics, logos, images, and software — is the property of MARKETCRAFT LLC or its licensors and is protected by copyright and trademark law. You may not reproduce or redistribute it without written permission.

No Financial Advice

All content, tools, calculators, models, and community discussions on this Site are for educational and informational purposes only. Nothing on the Site constitutes financial, investment, legal, or tax advice, or a recommendation to buy or sell any security. MARKETCRAFT LLC is not a registered investment adviser or broker-dealer. Investing involves risk, including possible loss of principal. Past performance does not guarantee future results. You are solely responsible for your investment decisions. This section is qualified in full by our Financial Disclaimer, which is incorporated into these Terms by reference.

Subscriptions, Billing & Cancellation

Paid plans automatically renew at the end of each billing period (monthly or yearly, per the plan you select) and your payment method is charged at the then-current rate until you cancel. You may cancel at any time from your account's billing portal; cancellation takes effect at the end of the current billing period. Except where required by law, fees are non-refundable. We will notify you before any price change takes effect.

Disclaimer of Warranties

THE SITE, ITS CONTENT, AND ALL TOOLS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Without limiting that, MARKETCRAFT LLC does not warrant that the Site will be uninterrupted, secure, or error-free, or that any data, calculation, valuation, projection, or other tool output is accurate, complete, current, or reliable. Market and financial data is sourced from third parties and may be delayed, incomplete, or wrong. You use the Site and all tool outputs entirely at your own risk.

Limitation of Liability

To the maximum extent permitted by law, MARKETCRAFT LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Site. Our total liability for any claim relating to the Site will not exceed the greater of $100 or the amounts you paid us in the twelve months before the claim arose.

Indemnification

You agree to indemnify and hold harmless MARKETCRAFT LLC from claims arising out of your misuse of the Site or violation of these Terms.

Termination

You may stop using the Site and delete your account at any time. We may suspend or terminate your access, with or without notice, if you violate these Terms, misuse the Site, or create risk or legal exposure for us. On termination, your right to use the Site ends immediately; provisions that by their nature should survive — including intellectual property, disclaimers, limitation of liability, and indemnification — will survive.

Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law rules. Before filing any claim, you agree to first contact us at jake@cousinsadventureparks.com and attempt to resolve the dispute informally in good faith for at least 30 days. If it cannot be resolved, any dispute will be brought exclusively in the state or federal courts located in Suffolk County, New York, and you consent to the personal jurisdiction and venue of those courts.

Changes

We may update these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

Contact

MARKETCRAFT LLC — jake@cousinsadventureparks.com