Terms of Service

These Terms of Service (“Terms”) govern your use of the Mod Fin Lit website and mobile app (the “Service”) provided by Mod Fin Lit LLC. By using the Service, you agree to these Terms.

1. Educational purpose — not financial advice

Mod Fin Lit provides general financial education only. It does not provide financial, investment, tax, or legal advice, and nothing in the Service is a recommendation to buy or sell any security or product. You are responsible for your own financial decisions and should consult a qualified professional for advice specific to your situation.

2. Eligibility and accounts

You must be at least 18 years old to use the Service. You are responsible for your account credentials and all activity under your account. Provide accurate information and keep it current.

3. Subscriptions and payments

Some features require a paid subscription (“Premium”). Subscriptions purchased through the Apple App Store are billed and managed by Apple, renew automatically unless cancelled at least 24 hours before the period ends, and can be managed in your App Store account settings. Prices may change with notice.

4. Acceptable use

• Do not misuse, disrupt, or attempt to gain unauthorized access to the Service.
• Do not copy, resell, or redistribute our content without permission.
• Do not use the Service for any unlawful purpose.

5. Intellectual property

The Service, including its content, design, and trademarks, is owned by Mod Fin Lit LLC and protected by law. We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal, non-commercial use.

6. Third-party data and tools

Tools may display information from third-party data sources for educational illustration. Such information may be delayed or inaccurate and is provided “as is” without warranty. Do not rely on it for trading or time-sensitive decisions.

7. Disclaimers

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including fitness for a particular purpose and accuracy of content.

8. Limitation of liability

To the maximum extent permitted by law, Mod Fin Lit LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss arising from your use of the Service or reliance on its content.

9. Termination

We may suspend or terminate access to the Service at any time for violation of these Terms or to protect the Service. You may stop using the Service at any time.

10. Changes to these Terms

We may update these Terms from time to time. Continued use after changes means you accept the updated Terms.

11. Contact

Questions about these Terms? Email hello@modfinlit.com.