Certain sections in these License Terms of Use are accompanied by simplified versions for easier comprehension. Simplified versions do not supersede or replace the sections they accompany.

If you are entering into this agreement on behalf of a legal entity, you represent that you have the authority to bind such entity, in which case the words "you" or "your" shall refer to such entity.

1. 1. INTRODUCTION
   You will be provided with access to data (the “Services Data”) from the Database (the “Database”) published by Findl via the Findl platform and website, the Findl API, and libraries, programming languages and software programs that utilize the Findl API (collectively, the “Services”), under the Personal Use License (the “License”). Your access to and use of the Services Data and the Services under the License are subject to these terms of use (“License Terms of Use” or “License Terms”) and all applicable laws and regulations. By accessing and using the Services and Services Data you accept, without limitation or qualification, these License Terms. You are also reminded that in addition to these License Terms, you continue to be bound by Findl's Website Terms of Use. Simplified: You accept these License Terms.
   
   
2. 2. USAGE
   You are licensed to use the Services and the Services Data for personal use only. You may not use the Services or the Services Data or derivations of the Services Data in relation to professional activities for yourself, your employer, colleagues, clients, partners or organization, including, but not limited to, activities such as research, analysis, trading, investing, consulting, operations, publication, marketing, sales, technology, accounting or finance, for or within organizations including but not limited to financial services firms, investment firms, partnerships, technology firms, non-profit firms, government or quasi-government entities or corporations. Simplified: You may use the data for personal purposes only.
   
   
3. 3. REDISTRIBUTION
   Your use of the Services and the Services Data is personal to you, and you may not transfer or make available access to either the Services or the Service Data to others. You may not publish, disseminate, re-distribute or share the Services Data, or any part thereof, or any derivative data that allows reverse engineering of part or all of the Services Data, with anyone else. You may not offer the Service Data, or any part thereof, for sale, rent, license or commercial redistribution. Any sharing or distribution by you of your access privileges or of the Services Data may result in cancellation of your use of the Services and the Services Data without refund. Simplified: Don't share the data or your access to it. If you do, we may cancel your access.
   
   
4. 4. APPROPRIATE LICENSE
   You will only use the Services and the Services Data as explicitly permitted by this License. If your use of the Services or the Services Data is in relation to professional activities of any sort, you agree to subscribe to the appropriate professional or institutional license. If you wish to share or redistribute any part or all of the Services or the Services Data within or outside of your organization or with any other person(s), you agree to subscribe to the appropriate institutional or distribution license. Findl may request you to provide reasonable proof that you are using this License appropriately. Any inappropriate use may result in cancellation of your access to the Services and the Services Data without refund, at Findl's sole discretion. Simplified: Don't abuse this license. If you do, we may cancel your access.
   
   
5. 5. ATTRIBUTION
   If any part of the Services Data including derivations is displayed to the public in any form, it must be accompanied by an attribution in easily readable form within the same display, whether online or in print. If in print, the attribution must read "Data from Findl.com". If online, the attribution must read "Data from Findl.com" and the attribution text must be hyperlinked to http://www.Findl.com/. Simplified: If you present the data publicly in some way, attribute it properly.
   
   
6. 6. INTELLECTUAL PROPERTY
   You will not have ownership rights to the Services Data. The Services Data, including but not limited to text, content, and data, is protected by copyrights, trademarks, service marks, international treaties, and/or other proprietary rights and laws of the U.S. and other countries. The Services Data is also protected as a collective work or compilation under U.S. copyright and other laws and treaties. You agree to abide by all additional copyright notices or restrictions contained in the Services Data. You may not use the Services Data for any illegal purpose or in any manner inconsistent with these License Terms. You agree to notify Findl in writing (email: info@Findl.com) promptly upon becoming aware of any unauthorized access or use of the Services Data by any party or of any claim that the Services Data infringes upon any copyright, trademark, or other contractual, statutory or common law rights. You acquire absolutely no rights or licenses in or to the Services or the Services Data or materials contained therein other than the limited right to utilize the Services and the Services Data in accordance with these License Terms. Simplified: This data is Findl's intellectual property.
   
   
7. 7. CONFIDENTIALITY
   To the extent that you conduct any sort of testing or evaluation of the Services or the Services Data for purposes of determining usability or fitness for purposes intended, the conclusions arrived at related to the value, usability or fitness for purpose, or any other attributes of the Service or the Services Data shall not be published in any way in any document, electronic or paper, or disclosed in any blog, verbal, or electronic communication, or provided or otherwise disclosed to any outside individual or entity, without prior written approval of Findl. Simplified: You may not publish evaluations of this data without permission.
   
   
8. 8. PAYMENT
   The credit card which you provide will automatically and immediately be billed for the Services and Services Data you subscribe to. All currency references are in US dollars. If you cancel your subscription you will no longer be billed but no money already paid will be refunded. If your credit card is invalid for any reason, Findl has the right to terminate your access to the Services and the Services Data immediately. Simplified: We will bill your credit card.
   
   
9. 9. TERMINATION
   You may terminate your use of the Services and the Services Data at the end of the then-current subscription period. You agree that Findl may, without prior notice, immediately terminate, limit your access to or suspend your use of the Services and the Services Data. Cause for such termination, limitation of access or suspension will include, but not be limited to: (a) breach by you of these License Terms, Website Terms or other incorporated terms or policies; (b) non-payment of any fees owed by you in connection with use of the Services or the Services Data; or (c) malicious actions that damage or could damage the integrity of the Findl website, the Services or the Services Data. Further, you agree that all terminations, limitations of access and suspensions will be made in Findl's sole discretion and Findl will not be liable to you or any third party with respect thereto. If Findl terminates your use of the Services without cause, Findl will provide you with a pro rata refund of any prepaid subscription fees for the Services for the remainder of the then-current subscription period after the date of termination. You agree that immediately upon termination, you will discontinue your use of the Services and the Services Data. You also agree that within thirty (30) days of termination, you will delete from all computer systems owned or operated by you, and from all computer systems owned or operated on your behalf, all copies of the Services Data, and all data sets derived from the Services Data, and all software provided to you as part of the Services. You agree that if requested by Findl, you shall promptly provide Findl with an affidavit certifying compliance with the provisions of this clause. Simplified: Both you and we have the right to terminate your license at any time.
   
   
10. 10. NO WARRANTY
    You understand and agree that the Services and Services Data are provided "as is" without representation, warranty or condition of any kind. Findl and its third party suppliers expressly disclaim all warranties and conditions with regard to the website, Services and Services Data, including all implied warranties and conditions of merchantable quality, merchantability, durability, fitness for a particular purpose, title and non-infringement. All content, Services and Services Data are subject to change. Simplified: We provide no warranty.
    
    
11. 11. NO SERVICE GUARANTEE
    You understand and agree that Findl and its third party suppliers make no representation, warranty or condition that: (a) Services or Services Data will be uninterrupted, timely, secure, reliable, accurate or error-free; (b) Services or Services Data will meet your requirements; (c) the website, Services or Services Data will meet your expectations, be suitable for any purpose, or be accurate, complete, reliable, current, timely, adequate, or error-free. Findl and its third-party suppliers disclaim all liability for the use or interpretation of the Services Data. The Services Data may be delayed, inaccurate or contain errors or omissions, and Findl and its third-party suppliers will have no liability with respect thereto. Findl does not endorse nor is responsible for the Services Data of any third party supplier. Simplified: We provide no service guarantee.
    
    
12. 12. USE AT YOUR OWN RISK
    You understand and agree that you obtain Services Data through the Services at your own risk and discretion. You will be responsible for any damage caused to your computer system through your use of the Services, including, without limitation, damage caused by downloading Services data. While Findl aims to ensure the safety and high quality of its services, the company cannot and does not represent or warrant that this website or the services it provides are free of viruses or other harmful components. Simplified: Use at your own risk.
    
    
13. 13. NO LIABILITY
    You understand and agree that under no circumstances will Findl or its third-party suppliers be liable for any direct, indirect, incidental, special, consequential or exemplary damages, damages for loss of profits, goodwill, use, data, or other intangible losses (even if Findl has been advised of the possibility of such damages) incurred by you or any third parties. Simplified: We are not liable for any damages or losses.
    
    
14. 14. JURISDICTION
    You understand and agree that some jurisdictions do not allow the exclusion or limitation of liability for incidental or consequential damages, so the above limitations and exclusions may not apply to you. In any event, Findl and its third-party suppliers will not be liable (whether in contract, tort including negligence or otherwise) for any amount greater than the amount you paid, if any, to Findl for accessing the services. Simplified: Our liability will not exceed what you paid us.
    
    
15. 15. INDEMNITY
    You will indemnify Findl, its parents, subsidiaries, affiliates, officers, agents, partners and employees harmless from any claims or demands, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising out of your use of the Website, the Services, or the Services Data, your violation of the License Terms or Website Terms (including any third party supplier's additional terms), or your infringement or violation of any rights of another, including intellectual property rights. Simplified: You will indemnify us against losses caused by your actions.
    
    
16. 16. SEVERABILITY
    The failure of Findl to exercise or enforce any right or provision of these License Terms will not constitute a waiver of such right or provision. If any provision of these License Terms is determined to be invalid or unenforceable pursuant to applicable law, including, without limitation, the warranty and conditions disclaimers and liability limitations above, the parties nevertheless agree that the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision, and the other provisions of the License Terms remain in full force and effect. If the invalid or unenforceable provision cannot be so replaced, then that provision will be considered severable from the remaining provisions, and will not affect their validity and enforceability. Simplified: Each clause stands on it own.
    
    
17. 17. MODIFICATIONS AND UPDATES
    Findl reserves the right to change or modify any of the terms and conditions contained in these License Terms at any time and in its sole discretion. Any changes or modification will be effective upon posting of the revisions and notice of such changes to the Findl's website. Your continued use of the Services or Services Data following the posting of the changes or modifications will constitute your acceptance of such changes or modifications. Simplified: These License Terms can change.