Terms of Use.

1. These terms, and your agreement to them

These Terms of Use (“Terms”) are a contract between you and platform FINCAST.INFO (“Fincast”, “we”, “us”), governing your use of fincast.info, the Fincast web application and mobile applications (the “Service”).

By creating an account, by buying a subscription, or by using the Service at all, you confirm that you have read these Terms and the Privacy Policy and that you agree to them. If you do not agree, do not use the Service.

You must be at least 16 years old, and old enough under the law of the place you live to enter into this contract, to use the Service.

2. What the Service is — and what it is not

The Service collects publicly available market data, stores it, and presents it alongside statistical estimates of how prices may behave. It also lets you record positions you hold elsewhere so that those estimates can be shown in the context of your own holdings.

The Service is not a broker, exchange, bank, payment institution, investment firm or financial adviser. It executes no trades, holds no money and holds no assets. It does not know what you own; it knows only what you type into it.

3. Forecasts are an opinion, not advice

This section is the most important one in these Terms. Please read it.

Everything the Service presents as a forecast, projection, probability, range, scenario, score, signal, alert or assessment is our own statistical estimate. It is produced by software from historical data. It is not a recommendation, not a solicitation, not an inducement and not advice of any kind — financial, investment, legal, tax or otherwise. It is not personalised to you, your circumstances, your objectives or your capacity to bear loss, and nothing in the Service should be read as a suggestion that any transaction is suitable for you.

These estimates can be wrong, and can be wrong by a very large margin. They can be wrong in direction, in size and in timing. They can be wrong for long and continuous periods. A forecast that proved accurate before carries no implication that the next one will. Past performance of any instrument, and past accuracy of any model, does not predict future results.

The models are built from the data available to them and from assumptions that may not hold. They do not know about events that have not yet been reported, and they cannot anticipate anything genuinely new. Markets in general, and cryptocurrency markets in particular, are volatile and can move further and faster than any statistical estimate allows for. The entire value of an asset may be lost.

Every decision you take after using the Service is yours alone, and you accept every consequence of it. If you are unsure whether a transaction is appropriate for you, consult a professional adviser who is licensed to advise you. We do not accept, and expressly disclaim, any responsibility for trading or investment decisions taken in reliance on anything the Service shows.

4. Data, and its limits

Market data shown in the Service comes from third-party sources, including exchanges, central banks and public data projects. We pass on what those sources publish. We do not warrant that any price, rate, volume or other figure is accurate, complete, current or free of error, and figures may be delayed, revised, restated or withdrawn by the source after we have shown them.

Prices for the same instrument routinely differ between sources, sometimes materially. Where the Service shows a price, it shows the reading of the provider named beside it, at the moment that provider published it — not a market-wide or official price, and not a price at which you could transact.

Where a source stops publishing, changes its terms, or becomes unavailable, the corresponding part of the Service may stop working without notice.

5. Availability and changes to the Service

We may update, replace, restrict or discontinue features, markets, data sources, models and forecasts for valid operational, security, legal or commercial reasons, including changes by third-party data providers. We do not promise uninterrupted availability, a particular uptime or latency, or that any forecast or data source will remain available indefinitely.

For a paid subscription, we will provide the paid access described at purchase for the period paid for, subject to these Terms and applicable law. If a change materially and adversely affects that access, we will give notice where required and provide any termination, refund or other remedy that applicable law requires. Temporary outages, maintenance and circumstances outside our reasonable control may affect availability.

6. Your account

• One account belongs to one person. Do not share your credentials, and do not let anyone else use your account.
• You are responsible for everything done through your account and for keeping your password and any two-factor device secure. Tell us immediately if you believe your account has been compromised.
• The information you give us must be accurate, and you must keep it accurate.
• You may close your account at any time from your account settings. See section 8 for what closing an account does not do.

7. What you may not do

You may use the Service for your own personal, non-commercial purposes. You may not:

• copy, scrape, harvest, mirror, index or otherwise extract data from the Service by automated means, or at a volume or frequency that goes beyond ordinary personal use;
• resell, redistribute, publish, sublicense or otherwise make available to anyone else the data, forecasts or other content the Service provides, whether or not for payment;
• use the Service, or anything obtained from it, to build, train, benchmark or operate a competing product or any data set intended for redistribution;
• attempt to circumvent paywalls, rate limits, authentication or any other technical restriction, or share paid access with anyone;
• reverse engineer, decompile or attempt to derive the models, weights or methods behind any forecast, except to the extent that applicable law expressly permits it despite this restriction;
• interfere with the operation or security of the Service, or test it for vulnerabilities without our prior written permission;
• use the Service for anything unlawful, or in breach of sanctions or export controls that apply to you.

Breach of this section entitles us to suspend or close your account immediately and without refund, and to pursue any other remedy available to us.

8. Subscriptions, payment and renewal

Parts of the Service require a paid subscription. A subscription grants access, for the period purchased, to features and data that are otherwise unavailable — including forward-looking estimates covering periods of up to 90 days and beyond, analytical comparisons, and alerting.

• Where you buy. Subscriptions bought in the iOS application are sold and charged by Apple through the App Store, and are governed by Apple’s own terms in addition to these. Apple, not Fincast, takes the payment.
• Automatic renewal. Subscriptions renew automatically at the end of each period, at the then-current price, until cancelled. Cancellation takes effect at the end of the period already paid for.
• How to cancel. Auto-renewal for an App Store subscription is turned off in your Apple Account settings. We cannot turn it off for you, and closing your Fincast account does not turn it off.
• Price changes. We may change prices. A change applies from the next renewal, and you will be told in the manner the platform requires before it takes effect.
• Linking. A subscription bought through an app store is linked to the first Fincast account that claims it, and cannot afterwards be used to unlock any other Fincast account.

9. Refunds

Except where applicable law or the payment platform’s rules provide otherwise, subscription fees for a period of access already supplied are non-refundable. Cancelling a subscription stops future renewals; it does not automatically refund the current paid period.

For subscriptions purchased through the App Store, Apple processes refund requests under its rules. You may request a refund from Apple. This does not limit any statutory remedy you may have against us for a Service that is not supplied or does not conform to the contract.

10. Consumer withdrawal rights

If you are a consumer in the European Union, the European Economic Area or the United Kingdom, you may have a statutory right to withdraw from a distance contract within 14 days. The availability and duration of that right depend on the type of subscription and the law that applies to you.

If you expressly request that we begin supplying a service during the withdrawal period and then withdraw, we may charge the proportionate amount permitted by law for the service supplied before you notified us. A withdrawal right ends early only where the legal conditions for that result are met and the purchase flow has obtained any express consent and acknowledgement required by law. Nothing in these Terms removes your statutory remedies if the Service is not supplied or does not conform to the contract.

11. Intellectual property

The Service, its software, interface, text, models and the way data is selected, arranged and presented belong to us or to our licensors and are protected by law. These Terms grant you a personal, revocable, non-exclusive, non-transferable right to use the Service as it is offered, and nothing more. Underlying market data remains the property of the sources that publish it.

What you enter into the Service — your positions, notes and settings — remains yours. You grant us only the permission needed to store it, process it and show it back to you in order to operate the Service.

12. Suspension and termination by us

We may suspend or close an account, or restrict access to a feature, where reasonably necessary to address a breach of these Terms, unlawful activity, a security risk, a legal requirement or discontinuation of the Service. Where practicable and appropriate, we will give notice and an opportunity to remedy the issue before a permanent closure. We may act immediately where delay would create a material risk.

If we end paid access during a prepaid period for a reason other than your breach, we will provide any refund or other remedy required by applicable law. These Terms do not limit any mandatory right you have where the Service is not supplied or does not conform to the contract.

13. No warranties

The Service is provided “as is” and “as available”. To the fullest extent permitted by law, we exclude all warranties, conditions and representations of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, non-infringement or uninterrupted operation.

14. Limitation of liability

To the fullest extent permitted by applicable law, we are not liable for trading or investment decisions you make after using the Service, or for lost profit, lost opportunity, business interruption or indirect or consequential loss arising from the Service or any forecast, estimate or figure it shows.

To the fullest extent permitted by applicable law, our total aggregate contractual liability for all claims arising from the Service is limited to the fees you paid for the Service during the 12 months before the event giving rise to the claim. This limit applies only where a monetary cap is legally permitted and does not reduce any minimum remedy required by law.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, intentional misconduct, or any other liability or consumer remedy that cannot lawfully be excluded or limited. Any exclusion or limit in this section applies only to the extent permitted by the law that protects you.

15. Indemnity

If you use the Service in breach of section 7, or otherwise in breach of these Terms or of applicable law, you will indemnify us against any claim, loss, liability or cost (including reasonable legal costs) that we incur as a result.

16. Changes to these Terms

We may update these Terms to reflect changes in the Service, applicable law, security requirements or our business. The current Terms are published at policies.ilterra.com/fincast/terms/, and their public GitHub history records changes to the text. Where a change materially affects your rights or an existing paid subscription, we will give notice and any choice, cancellation right or remedy required by applicable law.

Updated Terms apply prospectively when they become publicly available on the policy portal, except where applicable law requires advance notice, affirmative agreement or a later start. Continued use after any required notice may constitute acceptance where applicable law permits. A change will not remove an accrued right or a mandatory consumer protection. If you do not accept updated Terms, you may stop using the Service, turn off auto-renewal in your Apple Account settings if applicable, and close your Fincast account.

17. Governing law and disputes

These Terms are governed by the law of Poland. If you are a consumer, this choice does not deprive you of mandatory protections under the law of your country of habitual residence where those protections apply. You may bring a claim in any court that has jurisdiction under applicable consumer law.

For a dispute with a user acting in the course of business, the courts competent for Poznań, Poland have exclusive jurisdiction to the extent permitted by law. Before starting proceedings, either party may contact the other at info@ilterra.com to try to resolve the dispute informally. This does not prevent either party from exercising a legal right or meeting a filing deadline.

18. Sources and attributions

The Service displays and derives data from third-party sources, which are credited as their licences require:

• Cryptocurrency market data from CoinGecko and from Binance public market data.
• Official exchange rates from the European Central Bank, the Bank of Canada, the Bank of Japan, Banco Central do Brasil, Narodowy Bank Polski, the National Bank of the Republic of Belarus, and H.10 series published by the Federal Reserve Bank of St. Louis.
• World event data from The GDELT Project, https://www.gdeltproject.org/.
• Geopolitical risk indices from Iacoviello, Matteo and Jonathan Tong (2026), “The AI-GPR Index: Measuring Geopolitical Risk using Artificial Intelligence”.

Apple and the Apple logo are trademarks of Apple Inc.; App Store is a service mark of Apple Inc.

19. General

• If any provision of these Terms is held unenforceable, the rest remains in force and the provision is applied so far as it lawfully can be.
• Our failure to enforce a provision is not a waiver of it.
• You may not transfer your rights under these Terms. We may transfer ours as part of a reorganisation or sale of the business.
• These Terms and the Privacy Policy are the whole agreement between us about the Service.

20. Contact

ILTERRA (YAUHEN PANIMATCHANKA), Brzask 10C/94, 60-369 Poznań, Poland. Email: info@ilterra.com. Website: fincast.info.