Welcome to dfin.pro. By accessing or using our service, you agree to comply with and be bound by the following Terms of Service. If you do not agree to these terms, please do not use our service.

A. User Obligations and Responsibilities

As a user of our service, you agree to the following:

• You will comply with all applicable laws and regulations.
• You will not use our service for any unlawful or prohibited activities.
• You will provide accurate and truthful information when creating an account.
• You are responsible for maintaining the confidentiality of your account information.

B. Disclaimer of Investment Advice

Our application is designed to provide tools and information for financial analysis and investment planning. However, it does not offer investment advice. You should not rely solely on the information provided by our service for making investment decisions. Always seek the advice of a qualified financial advisor.

C. No Fiduciary Duty

1. Disclaimer of Fiduciary Responsibility

Dfin.pro provides tools, information, and resources for financial analysis and investment planning purposes only. The services and content offered on this site do not constitute financial, investment, legal, or other professional advice. Consequently, dfin.pro does not assume any fiduciary duty to its users.

2. User Responsibility

Users acknowledge and agree that:

• They are solely responsible for their own financial decisions and actions.
• They should seek the advice of qualified financial, legal, or other professional advisors before making any financial or investment decisions.
• They will not hold dfin.pro liable for any losses, damages, or other liabilities arising from their reliance on the information or tools provided on this site.

3. Limitation of Liability

In no event shall dfin.pro, its affiliates, officers, directors, employees, or agents be liable to any user for any indirect, incidental, consequential, special, or exemplary damages arising out of or in connection with the use or inability to use the services provided, even if dfin.pro has been advised of the possibility of such damages.

D. Email Address Registration

Our Service requires registration with a valid email address in lieu of a username to simplify the registration process and eliminate the need to create and remember additional usernames. By providing your email address, you acknowledge and agree that:

• Your email address serves as your unique account identifier and login credential
• We will use your email address solely for essential account-related communications, including:
• Account verification and security notifications
• Password resets and login assistance
• Critical service updates and maintenance notifications
• Occasional updates about new features or important changes to the Service
• We do not share, sell, rent, or distribute your email address to any third parties
• We may verify your email address through confirmation messages
• We reserve the right to reject or suspend accounts using invalid email addresses
• You may request to change your email address by contacting our support team

E. Use at Your Own Risk

Your use of our service is at your own risk. We do not guarantee that the information provided will be relevant, accurate, or up-to-date. We provide this service on a best-effort basis and make no warranties of any kind, express or implied.

F. Limitation of Liability

We are not responsible for any damages or losses incurred by users as a result of relying on our tools or information. Free users have no recourse against us for any issues arising from the use of our service. For users of our paid service, our liability is limited to the amount of the fee paid by the user.

G. Indemnification

You agree to indemnify, defend, and hold harmless dfin.pro, its officers, directors, employees, agents, and third parties, for any losses, costs, liabilities, and expenses (including reasonable attorneys' fees) relating to or arising out of your use of our service, your violation of these terms, your violation of any rights of a third party, or your violation of any applicable laws, rules, or regulations.

H. Restrictions on Use by Commercial Entities and Affiliated Parties

Access to and use of dfin.pro is currently limited to individual users. Corporate users must contact us for corporate plans and features.

I. Modification of Terms

We reserve the right to modify these Terms of Service at any time. We will notify users of any changes by posting the new terms on our website and through email. Your continued use of the service after such modifications constitutes your acceptance of the new terms.

J. Termination of Service

We may terminate or suspend your access to our service at any time, with or without cause, with or without notice, effective immediately. You may also terminate your use of the service at any time.

K. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Canada. Any disputes arising out of or in connection with these terms shall be resolved in the courts of Canada.

L. Intellectual Property

All content, trademarks, and data on our service, including but not limited to software, databases, text, graphics, icons, and hyperlinks, are the property of dfin.pro and its backers and are protected by law. You are not permitted to use or reproduce any of this content without our prior written consent.

M. Acceptance of Terms

Your continued usage of the site means that you have agreed to the terms and conditions posted here. If you do not agree to these terms and conditions, please exit the site and clear your browser history and cookies.

This Privacy Policy explains how dfin.pro collects, uses, and protects your personal information. We believe in being transparent about our practices and keeping things simple.

A. Information We Collect

1. Information You Provide

• Email Address: Required for account registration and login
• Account Information: Any information you provide when setting up or using your account
• Chat Content: Messages and interactions with our AI chatbot
• Support Communications: Any messages you send to our support team

2. Information We Collect Automatically

• Usage Data: How you interact with our Service (pages visited, features used, time spent)
• Technical Data: IP address, browser type, device information, and operating system
• Cookies: Small data files stored on your device for essential site functionality
• Recaptcha: We use Google reCAPTCHA to ensure that interactions on our site are conducted by real people and not malicious software. reCAPTCHA analyzes traffic on our site transparently, without any direct interaction from users. For more details, visit Google's privacy policy linked from the reCAPTCHA badge

B. How We Use Your Information

1. Primary Uses

We use your information to:

• Provide and maintain our Service (account management, authentication, core functionality)
• Communicate with you about your account, security issues, and service updates
• Improve our Service through usage analysis and user feedback
• Provide customer support when you contact us

2. AI Chatbot Interactions

Important: Your chats with our AI chatbot are used for:

• Service quality monitoring to ensure the chatbot is working properly
• System improvement to make the AI more helpful and accurate
• Safety and compliance to prevent misuse and ensure appropriate responses

We review chat interactions to understand how users interact with our AI and to identify areas for improvement. This helps us provide better, more accurate responses to all users.

3. Legal Compliance

We may use your information to comply with legal obligations, resolve disputes, and enforce our Terms of Service.

C. Information Sharing

1. We Don't Share Your Personal Information

We do not sell, rent, trade, or share your personal information with third parties for their marketing purposes. Period.

2. Limited Exceptions

We may share information only in these specific situations:

• Service Providers: With trusted vendors who help us operate our Service (hosting, analytics, payment processing, LLM providers) — but only the minimum necessary information
• Legal Requirements: When required by law, court order, or to protect our rights and safety
• Business Transfer: If dfin.pro is sold or merged (you would be notified in advance)
• Your Consent: When you explicitly agree to share specific information

3. Aggregated Data

We may share aggregated, anonymized usage statistics that cannot identify individual users.

D. Data Security

1. Protection Measures

• Secure data transmission (HTTPS encryption)
• Password protection for your account
• Regular security monitoring
• Limited access to personal information

2. No Guarantee

While we work hard to protect your information, no internet transmission is 100% secure. You use our Service at your own risk.

E. Your Rights and Choices

1. Access and Control

You have the right to:

• Access your personal information
• Update your account information
• Delete your account and associated data
• Opt-out of non-essential communications

2. Data Deletion

To delete your account and data:

1. Contact us at [email protected] with your registered email address
2. We'll verify your identity and process your request
3. Most data will be deleted within 30 days
4. Some information may be retained for legal or security purposes

3. Cookie Control

You can control cookies through your browser settings, but some features may not work properly if you disable cookies.

F. Data Retention

1. Retention Periods

• Account Information: Retained while your account is active
• Chat Data: Retained for up to 2 years for service improvement purposes
• Usage Data: Retained for up to 1 year for analytics
• Support Communications: Retained for up to 3 years

2. Deleted Account Data

When you delete your account, we remove your personal information within 30 days, except where we're required to retain it for legal purposes.

G. Third-Party Services

1. External Services

We use third-party services for:

• Google reCAPTCHA: To prevent spam and abuse (subject to Google's Privacy Policy)
• Analytics Tools: We use Google Analytics to understand how our service is used
• Payment Processing: We use Stripe for payment processing.
• LLM Models: We use AI LLMs provided by major companies such OpenAI, Google, XAI, as well as publicly released models hosted providers such as AWS, Microsoft, Jina, and Together.

2. Third-Party Links

Our Service may contain links to other websites. We're not responsible for their privacy practices.

H. International Users

1. Data Processing

dfin.pro is operated from Canada. By using our Service, you consent to your information being processed in Canada.

2. International Rights

If you're in the EU, UK, or other jurisdictions with specific privacy rights, you may have additional rights under local law. Contact us to exercise these rights.

I. Children's Privacy

Our Service is not intended for users under 18. We do not knowingly collect information from children under 18. If we discover we have collected such information, we will delete it immediately.

J. Changes to This Privacy Policy

1. Updates

• We'll post the updated policy on our website
• We'll notify you via email if changes are significant
• The "Last Updated" date will be revised

2. Continued Use

Your continued use of our Service after changes are posted constitutes acceptance of the updated Privacy Policy.

K. Contact Us

1. Privacy Questions

If you have questions about this Privacy Policy or our privacy practices, contact us at [email protected]

2. Response Time

We aim to respond to privacy-related inquiries within 7 business days.

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Note: This Privacy Policy works together with our Terms of Service above. Both documents govern your use of dfin.pro.

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