Terms of Service

Last updated: 11 August 2026 Effective: 11 August 2026

These Terms of Service ("Terms") are a binding agreement between you and RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ governing your use of the Finoha website at finoha.net, the Finoha web application, and all related content, features and services (together, "Finoha" or the "Service").

By creating an account, subscribing, or otherwise using Finoha, you agree to these Terms. If you do not agree, do not use the Service.

Section 16 contains a binding arbitration agreement and a class action waiver. They affect how disputes between us are resolved. Please read them.

1. Who you are contracting with

Finoha is operated by two companies with distinct roles:

In these Terms, “we,” “us,” and “our” mean Alvin AI Studio LLC, the Seller / Merchant of Record identified above. Your contract for the Service and your subscription is with Alvin AI Studio LLC.

RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ acts as our technical service provider and content licensor, and is an intended third-party beneficiary of the disclaimers, liability limits, and indemnities in these Terms.

Contact for all matters, including notices under these Terms: info@finoha.net

2. What Finoha is — and what it is not

Finoha is an educational product. It provides lessons, quizzes, explanatory tools, and a simulated trading portfolio funded with demo money.

Finoha is not a broker, dealer, exchange, investment adviser, custodian, money transmitter, or financial institution of any kind. No real money is ever invested, traded, transferred, held, or moved through Finoha. Every portfolio balance, position, gain and loss in the Service is simulated.

Nothing in the Service is investment, financial, tax, or legal advice. The Educational Disclaimer is incorporated into these Terms by reference and you must read it. In particular, market prices displayed in the Service are indicative, may be delayed, and may be replaced by an internally generated fictional price series when a data source is unavailable.

3. Eligibility

To use Finoha you must:

• be at least 18 years old (or the age of majority where you live, if higher);
• have the legal capacity to enter into a binding contract;
• not be barred from using the Service under the laws of your country, and not be located in, or ordinarily resident in, a country or territory subject to comprehensive U.S. sanctions, and not be listed on any U.S. government restricted-party list.

The Service is not directed to children. We do not knowingly collect personal data from anyone under 18. See the Privacy Policy.

You are responsible for ensuring that your use of Finoha is lawful where you are. We make no claim that the Service is appropriate or available in every jurisdiction.

4. Your account

Anonymous accounts. Finoha creates an account for you automatically when you first open the app, so that you can start learning without signing up. Until you add and confirm an email address, your account exists only on the device and browser you are using. If you clear your browser storage, switch device, or use a private window, that progress may be permanently unrecoverable. Adding an email address is what makes your account portable and restorable, and we strongly recommend doing it before you subscribe.

Accuracy and security. You agree to provide accurate information, to keep your account credentials secure, and to notify us at info@finoha.net promptly if you believe your account has been accessed without your authorisation. You are responsible for activity that occurs under your account.

One account per person. You may not maintain multiple accounts to obtain additional free content, rewards, coins, credits, trials, or promotional pricing.

5. Licence to use the Service

Subject to these Terms and to your payment of any applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use Finoha for your own personal, non-commercial educational purposes.

That is the entire grant. We reserve all rights not expressly granted.

6. Things you may not do

You agree not to, and not to attempt to, and not to permit anyone else to:

1. copy, reproduce, republish, distribute, sell, rent, sublicense, or publicly display any part of the Service or its content, except as expressly allowed;
2. use the content to build, train, fine-tune, or evaluate any machine-learning model, or to create a competing or derivative product or service;
3. scrape, crawl, harvest, or use any automated means to access the Service or extract data from it;
4. reverse engineer, decompile, or disassemble any part of the Service, except to the extent that restriction is prohibited by applicable law;
5. circumvent, disable, or interfere with any security, access control, rate limit, paywall, usage metering, or credit accounting mechanism;
6. manipulate the simulator, coins, credits, XP, streaks, or the leaderboard by any means other than ordinary use, including exploiting bugs. If a bug grants you coins, credits, or rankings you did not earn, we may reverse it;
7. resell, transfer, or commercially exploit access to the Service, or share your account with others;
8. use the Service to transmit malware, to send unsolicited communications, or to violate the rights of others;
9. use the Service in a way that damages, disables, overburdens, or impairs it, or that interferes with any other user's use;
10. misrepresent the Service publicly, including describing it as real trading, as a brokerage, as investment advice, or as producing real financial returns;
11. use the Service in violation of any applicable law, regulation, or sanctions programme.

7. Coins, credits, and other virtual items

The Service contains two distinct virtual balances. Neither is money.

Coins are the simulator's demo currency. They exist solely to fund the practice portfolio.

Credits are consumed when you use certain paid features, such as AI-generated explanations. Credits may be included with a subscription or purchased.

For both:

• They have no cash value, are not legal tender, and are not a cryptoasset, security, stored-value instrument, or claim against us.
• They are non-refundable, non-transferable, non-exchangeable, and cannot be redeemed, withdrawn, or converted into money or anything of value outside the Service.
• We license them to you; you do not own them. We may change, limit, suspend, or discontinue any virtual item, or adjust its price, availability, or the rate at which features consume it, at any time.
• Unused balances expire when your account is closed or terminated, and are forfeited without compensation.

Cash refunds, where available at all, are governed exclusively by the Refund Policy.

8. Subscriptions and payment

Paid plans, billing cycles, free trials, automatic renewal, and cancellation are governed by the Subscription Terms, which form part of these Terms. Refunds are governed by the Refund Policy.

In short, and without replacing those documents: subscriptions renew automatically until you cancel, and cancelling stops the next renewal rather than ending your current paid period.

9. Intellectual property

The Service and all of its content — lessons, text, quizzes, curricula, audio narration, illustrations, mascot and character designs, logos, software, and design system — are owned by RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ or its licensors, and are licensed to RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ for distribution through Finoha. They are protected by copyright, trademark, and other intellectual property laws.

"Finoha" and its logos are our trademarks. You may not use them without our prior written permission.

Market data, charts, and other third-party materials remain the property of their respective owners and are subject to their own terms.

10. Your content and your inputs

You may submit content to the Service, including messages to the AI features, support enquiries, and feedback ("Your Content"). You retain ownership of Your Content.

You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, process, and transmit Your Content for the purpose of operating, securing, supporting, and improving the Service, including transmitting it to the third-party AI providers that generate responses. You confirm that you have the rights necessary to grant this licence.

Do not submit confidential information, sensitive personal data, account credentials, payment card details, or anything you would not want processed by a third-party AI provider. See the Privacy Policy.

If you send us feedback or suggestions, we may use them without restriction, obligation, or compensation to you.

11. Third-party services

Finoha depends on third-party services, and some of them are contacted directly by your browser: market data from Finnhub and Binance, charting from TradingView, infrastructure and authentication from Supabase and Google Cloud, payments from Stripe, and AI generation via OpenRouter. Their content and availability are outside our control, they are provided subject to their own terms, and we are not responsible for them. Interruption or discontinuation of a third-party service may degrade or disable parts of the Service.

12. Changes to the Service

We are actively developing Finoha. We may add, change, suspend, or discontinue any part of the Service — including lessons, features, virtual items, and plans — at any time. Where a change materially and adversely affects a paid feature you are currently subscribed to, we will give you reasonable advance notice and, where required by law, an appropriate remedy.

13. Suspension and termination

By you. You may stop using Finoha at any time. To cancel a subscription, follow the Subscription Terms. To request deletion of your account and data, contact info@finoha.net.

By us. We may suspend or terminate your access, with notice where practicable and immediately where necessary, if you materially breach these Terms, if we are required to by law, if your account is used fraudulently or abusively, or to protect the Service or other users.

On termination: your licence ends, access stops, and virtual balances are forfeited. Sections 2, 6, 7, 9, 10, 14, 15, 16 and 18 survive termination. Termination does not by itself entitle you to a refund, except as set out in the Refund Policy or as required by law.

14. Disclaimers

The Service is provided "as is" and "as available", without warranty of any kind. To the maximum extent permitted by law, we and RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ disclaim all warranties, express, implied, or statutory, including the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

We do not warrant that the Service will be uninterrupted, secure, error-free, or free of harmful components; that any content, price, calculation, or AI output will be accurate, complete, current, or reliable; or that any educational outcome, skill, or financial result will be achieved.

We specifically make no representation that using Finoha will make you a profitable trader or produce any financial gain. See the Educational Disclaimer.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for death or personal injury caused by negligence, or for fraud.

15. Limitation of liability

To the maximum extent permitted by law:

No indirect damages. Neither we nor RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ, nor our respective officers, employees, or suppliers, will be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, trading gains, business, goodwill, opportunity, or data, however caused and on any theory of liability, even if advised of the possibility.

Trading losses are excluded. We are not liable for any loss you suffer in real markets, whatever role Finoha's content, prices, AI output, or simulator played in your thinking. Every real-world financial decision you make is your own.

Cap. Our total aggregate liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the total amount you paid us for the Service in the twelve (12) months immediately before the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

These limits apply even if a limited remedy fails of its essential purpose.

16. Governing law and dispute resolution

Governing law. These Terms and any dispute arising out of them or the Service are governed by the laws of the State of New York, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Informal resolution first. Before starting any formal proceeding, you agree to contact us at info@finoha.net with a description of the dispute and to negotiate in good faith for at least sixty (60) days. Most issues are resolved at this stage.

Binding arbitration. If we cannot resolve the dispute informally, you and we agree that it will be resolved by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, seated in New York, New York, and conducted in English. Judgment on the award may be entered in any court of competent jurisdiction.

Exceptions. Either party may (a) bring an individual claim in small-claims court if it qualifies, and (b) seek injunctive or equitable relief in court to protect intellectual property or prevent unauthorised access to the Service.

Class action waiver. You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate claims or preside over any representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this Section 16 remains in force.

Consumer rights are preserved. If you are a consumer resident in the European Union, the United Kingdom, Türkiye, or another jurisdiction whose law grants you mandatory rights, nothing in this Section deprives you of the protection of the mandatory consumer-protection provisions of the law of your country of residence, or of your right to bring proceedings in your local courts, where that law so provides.

17. Changes to these Terms

We may update these Terms. When we do, we will change the "Last updated" date above and, for material changes, give reasonable notice — by email or in-app — before they take effect. Material changes affecting an active subscription take effect at your next renewal. Continuing to use the Service after the effective date means you accept the updated Terms. If you do not accept them, stop using the Service and cancel your subscription.

18. General

Entire agreement. These Terms, together with the Privacy Policy, Educational Disclaimer, Subscription Terms, and Refund Policy, are the entire agreement between you and us about the Service, and supersede any prior understanding.

Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the remaining provisions stay in effect.

No waiver. Our failure to enforce a provision is not a waiver of it.

Assignment. You may not assign or transfer these Terms. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Force majeure. Neither party is liable for failure to perform caused by events beyond its reasonable control.

No third-party beneficiaries, except that RİSER YAZILIM REKLAM TEKNOLOJİLERİ ARAŞTIRMA GELİŞTİRME VE PAZARLAMA TİCARET ANONİM ŞİRKETİ is an intended beneficiary of Sections 9, 14 and 15.

Notices. We may give notice by email to the address on your account or by in-app message. Notices to us go to info@finoha.net.

Language. These Terms are drafted in English. Any translation is provided for convenience; the English version governs to the extent permitted by applicable law.