Finlume Terms and Conditions

Last Updated: August 18, 2026

These Terms, together with our Privacy Policy, govern your use of the Finlume Service. By using the Service, you agree to both documents. If you do not agree, please do not use the Service. Any translation of these Terms is provided for convenience only; the English version prevails.

Table of Contents

  1. Who We Are
  2. Overview of the Agreement
  3. Eligibility
  4. The Services We Provide
  5. No Financial Services; Not an Investment Adviser
  6. Subscription Plans
  7. Billing and Cancellation
  8. Data Protection
  9. Information Use and Intellectual Property
  10. Third-Party Advertising
  11. Compliance
  12. Copyright
  13. User Representations and Restrictions
  14. Disclaimers
  15. Limitation of Liability
  16. Indemnification
  17. Dispute Resolution
  18. Miscellaneous
  19. Changes to These Terms
  20. Contact Us

1. Who We Are

We, Finlume™ — Hong Kong Xingyue Network Technology Limited, registered at Room 511, 5/F, Ming Sang Industrial Building, 19-21 Hing Yip Street, Kwun Tong, Hong Kong ("we", "us", or "Company") — provide learning materials and related services through our Website https://finlumeapp.com or designated platforms.

2. Overview of the Agreement

By using our product Finlume (the "Service"), you agree to these Terms. Our Privacy Policy are incorporated into these Terms by reference.

3. Eligibility

To use Finlume, you must be at least 18 years old and have the legal capacity to enter into an agreement. If you are under 18 or do not agree to these Terms, please do not use the Service.

4. The Services We Provide

Finlume provides an investment knowledge assessment questionnaire, a practice question bank, and a personalized report generated from your responses (the "Questionnaire Report"). The Questionnaire Report is educational and informational content only; it is not personalized investment advice and does not recommend buying or selling any securities. All materials and services we provide are collectively referred to as "Digital Content."

You may access the Service only after registering and paying the applicable subscription fee for the plan selected at the time of purchase (e.g., 4 weeks or 12 weeks). We may also offer additional paid features; please read any offer carefully.

5. No Financial Services; Not an Investment Adviser

Finlume is an educational platform. We do not provide, broker, or execute any securities transactions, and we do not provide personalized investment advice. We are not registered as an investment adviser, broker-dealer, or financial institution with the SEC or any equivalent regulator, and nothing in the Service creates an investment advisory, fiduciary, or brokerage relationship with you. The Service includes no simulator, trading functionality, or real broker connection, and involves no real funds. The Service is for learning and entertainment purposes only and is not a regulated financial service.

6. Subscription Plans

A subscription grants you continued access to the Service for a specified period (every 4 weeks, 12 weeks, or another period, depending on your plan). You may enjoy a discounted price for the first period, after which you will be automatically charged the regular price at each renewal period. Subscriptions automatically renew at the end of each period. You may cancel at any time in your account settings at least 24 hours before the end of the current billing period.

We may adjust prices or the amount of Digital Content by region from time to time. We will give you reasonable prior notice of any price change by posting it on the Website, by notification, or by other prominent means. If you do not accept the new price, please cancel before it applies to you.

7. Billing and Cancellation

We bill through PayPal or other payment service providers (e.g., Visa, Mastercard). You authorize us to store your payment method and automatically charge the applicable subscription fee at each renewal. If a charge to your primary payment method fails, we may retry it or use another stored payment method. If payment is not authorized, we may suspend or terminate your subscription; you remain responsible for unpaid amounts.

Refunds are governed by the Subscription Terms and our Refund Policy.

8. Data Protection

We collect, store, and process your data in accordance with our Privacy Policy; by using the Service you consent to that processing. We do not connect to, integrate with, or process data from any third-party broker or financial account.

9. Information Use and Intellectual Property

All content, software, and materials on our Website belong to us or third parties. You are granted a non-exclusive license to use the Service for personal, non-commercial purposes only. The information you provide (your "User Content") belongs to you, but you agree that we may retain copies and use such information as reasonably necessary to operate the Service.

The name "Finlume" and all logos and service marks are the exclusive property of Hong Kong Xingyue Network Technology Limited or their respective owners; using the Service does not grant you any right to use them. If you believe your intellectual property rights have been infringed, contact us through the Support Center.

10. Third-Party Advertising

We currently do not display third-party advertisements. If we introduce them in the future, we will explain this separately and provide an opt-out mechanism. Our Service may contain links to third-party websites, which are governed by those websites' own terms and used at your own risk.

11. Compliance

The Service is provided under the laws of the Hong Kong Special Administrative Region of the People's Republic of China. If you use the Service elsewhere, you do so at your own risk and are responsible for complying with local laws.

Finlume owns the copyright to this product, including all materials and logos. Redistribution or copying of any part of the Service or Digital Content in any form is prohibited; any other use requires our formal written permission.

13. User Representations and Restrictions

By using the Service, you represent and warrant that you have the legal capacity to comply with these Terms, you are at least 18 years old, you will not use the Service for any illegal or unauthorized purpose, you are not located in an embargoed or restricted country, and your use will not violate any applicable law.

You agree not to:

  • Scrape, retrieve, or compile data from the Service without our written permission;
  • Modify, adapt, translate, or create derivative works of the Service;
  • Use the Service to create competing products or services;
  • Circumvent, disable, or interfere with security-related features;
  • Reverse engineer, decompile, or disassemble any part of the Service;
  • Send automated queries or unsolicited commercial email; or
  • Otherwise violate these Terms or applicable laws.

14. Disclaimers

All information on the Service is for informational and educational purposes only and is not a substitute for professional financial, legal, or other advice. The Questionnaire Report is generated automatically from your responses and is provided "as is" — we make no warranty as to its accuracy, completeness, or suitability, and it is not advice or an endorsement of any transaction or strategy. We do not guarantee that the Service will meet your needs or that you will achieve any particular result; results vary from person to person, and the Service involves no real funds. To the maximum extent permitted by law, we disclaim all express and implied warranties and any liability arising from your reliance on information provided through the Service.

15. Limitation of Liability

To the maximum extent permitted by law, we (and our affiliates) shall not be liable for any loss of profits or any indirect, consequential, punitive, incidental, special, or exemplary damages arising from these Terms or your use of the Service. Our aggregate liability for all claims shall be limited to the amount you have paid to us for the Service. Some jurisdictions do not allow these limitations, so they may not apply to you.

16. Indemnification

You agree to indemnify and hold harmless Finlume, its affiliates, suppliers, and partners, and their respective officers, directors, employees, and agents, from any claim or demand (including reasonable attorneys' fees) arising from your use of the Service, your User Content, or your violation of these Terms.

17. Dispute Resolution

Governing law and jurisdiction. These Terms are governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the courts of the Hong Kong Special Administrative Region, and you consent to the personal jurisdiction of such courts.

17.1 Mandatory arbitration.

  • Preliminary dispute resolution. Before initiating any formal legal proceeding, we encourage you to contact us directly to resolve any dispute informally. We will use reasonable efforts to resolve any issue through direct communication within 30 days of receiving notice.
  • Formal arbitration requirement. If informal resolution is unsuccessful, all disputes shall be resolved by binding arbitration:

17.1.1 Arbitration rules.

Administered by the Hong Kong International Arbitration Centre (HKIAC); following its commercial arbitration rules; conducted in English; with a single arbitrator appointed.

17.1.2 Arbitration procedure.

The dispute notice must be in writing, with a detailed statement of claim, supporting documents, and a proposed resolution, within a 60-day resolution window.

17.1.3 Arbitration process.

Virtual hearings; document submission requirements; witness testimony where necessary; relevant expert evidence; and a reasoned written decision.

17.2 Cost allocation.

Application fees are shared equally; each party bears its own legal costs; arbitrator's fees are shared equally unless otherwise determined; each party bears its own travel costs; document production costs are borne by the producing party.

17.3 Class action and jury waiver.

By agreeing to these Terms, you expressly waive the right to a jury trial and the right to participate in class actions, class arbitration, consolidated claims, representative actions, and private attorney general actions.

17.4 Scope of waiver.

All disputes must be resolved individually; claims may not be consolidated or combined; there is no class-wide relief; only individual relief is available; each claim must be brought separately.

17.5 Exceptions to arbitration.

The following are not subject to mandatory arbitration:

17.5.1 Intellectual property disputes:

  • Copyright infringement
  • Trademark infringement
  • Patent disputes
  • Trade secret misappropriation

17.5.2 Small claims court:

  • Claims within the court's jurisdiction
  • Local venue requirements
  • Individual use only
  • Monetary relief only

17.5.3 Emergency relief:

  • Temporary restraining orders
  • Preliminary injunctions
  • Other urgent equitable relief
  • Prevention of immediate harm

17.5.4 Time limits.

To the extent permitted by law and without prejudice to any statutory limitation period, all claims must be brought within 6 months of the date the claim arose or the date you discovered the basis for the claim.

17.6 Consumer protections.

Nothing in this section deprives consumers located in the EEA, UK, or Switzerland of the mandatory protections of their country of residence, including the right to bring disputes in the courts of their habitual residence.

17.7 Survival.

This dispute resolution provision survives the termination of these Terms and your account.

18. Miscellaneous

We may modify, suspend, or terminate the Service (or any part of it) at any time, with or without notice. To the maximum extent permitted by law, we shall not be liable for any modification, suspension, or termination of the Service.

19. Changes to These Terms

We may update these Terms from time to time. For any material change, we will notify you at least 30 days in advance; other changes take effect upon posting with an updated "Last Revised" date. If you continue to use the Service after a change, you accept it. If you do not accept a material change, you may cancel or stop using the Service within that 30-day period.

20. Contact Us

Company: Hong Kong Xingyue Network Technology Limited
Address: Room 511, 5/F, Ming Sang Industrial Building, 19-21 Hing Yip Street, Kwun Tong, Hong Kong
Email: [email protected]