Policy Effective Date: April 2, 2019
We offer an automated investment service (“Service”). Should you choose to become our Client, we will manage a diversified, continually rebalanced portfolio on your behalf in a very low cost. Our unique service is made possible by combining a team of world-class financial experts.
2.2 Your Access
You are responsible for safeguarding your password and other Account information. You agree not to disclose your password to any third party and you will notify Finhabits immediately if your password is lost or stolen or if you suspect any unauthorized use of your Account. As a User you agree that you shall be solely responsible for any activities or actions under your Account, whether or not you have authorized such activities or actions.
2.3 Alerts, Notifications and Service Communications
By creating an Account, you automatically sign up for various types of alerts via email, text message, and web-based application notification. When logged in, you may customize, modify and in some cases deactivate alerts by adjusting the settings accordingly. We never include your password in these communications, but we may include your name, or email address and information about your portfolio(s) if you are a Client. Anyone with access to your e-mail or mobile device will be able to view these alerts. You may unsubscribe from marketing oriented emails by mailing your request to or you may opt-out of receiving text messages at any time by texting STOP to 917-810-9141 from the mobile device receiving the messages. You acknowledge that opting out of receiving text messages and/or electronic may affect your use of the services. You also acknowledge that standard message and data rates will apply when receiving text messages.
3. Disclaimer and Limit of Liability
3.1 For a User who is not a Client
You understand and acknowledge that the investment results you could obtain from investment information and financial insights provided by Finhabits cannot be guaranteed and that Finhabits cannot be held responsible. All investments entail a risk of loss and that you may lose money. Investment management services may be offered to individuals who become clients, at the sole discretion of Finhabits. Your election to engage our investment management services are subject to your explicit enrollment and acceptance of the separate Advisory Agreement and related fee schedule.
You agree and understand that your use of Finhabits is for educational purposes only and is not intended to provide legal, tax or financial planning advice. You agree as a User that you are responsible for your own investment research and investment decisions, that Finhabits is only one of many tools you may use as part of a comprehensive investment education process, that you should not and will not rely on Finhabits as the primary basis of your investment decisions and, except as otherwise provided for herein, Finhabits will not be liable for decisions/actions you take or authorize third parties to take on your behalf based on information you receive as a User of Finhabits or information you otherwise see on our website.
3.2 Disclaimer Warranties
Your use of Finhabits, and the personal information you provide is at your sole discretion and risk. Finhabits and all materials, information, products and services included therein, are provided on an AS IS and AS AVAILABLE basis without warranties of any kind from Finhabits.
FINHABITS EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, EXPRESS, IMPLIED OR STATUTORY, RELATING TO FINHABITS, CONTENT AND/OR USER INFORMATION, INCLUDING WITHOUT LIMITATION THE WARRANTIES OF TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OF PROPRIETARY RIGHTS, COURSE OF DEALING OR COURSE OF PERFORMANCE. FINHABITS DISCLAIMS ANY WARRANTIES, EXPRESS OR IMPLIED:
REGARDING THE AVAILABILITY, SECURITY, ACCURACY, RELIABILITY, TIMELINESS AND PERFORMANCE OF FINHABITS, CONTENT AND/OR USER INFORMATION;
THAT FINHABITS WILL BE ERROR-FREE OR THAT ANY ERRORS WILL BE CORRECTED;
THAT FINHABITS WILL BE FREE FROM ELECTRONIC VIRUSES; OR
REGARDING THE PERFORMANCE OF OR ACCURACY, QUALITY, CURRENCY, COMPLETENESS OR USEFULNESS OF ANY INFORMATION PROVIDED BY FINHABITS INCLUDING BUT NOT LIMITED TO INFORMATION OBTAINED THROUGH SOCIAL MEDIA.
No advice or information, whether oral or written, obtained by you from Finhabits, shall create any warranty not expressly stated in this Agreement. If you choose to rely on such information, you do so solely at your own risk.
Some states or jurisdictions do not allow the exclusion of certain warranties. Accordingly, some of the above exclusions may not apply to you
3.3 Limitation of Liability
IN NO EVENT SHALL FINHABITS OR ANY OF ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU FOR ANY DAMAGES WHATSOEVER, INCLUDING WITHOUT LIMITATION INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF FINHABITS, CONTENT AND/OR USER INFORMATION, INCLUDING BUT NOT LIMITED TO THE QUALITY, ACCURACY, OR UTILITY OF THE INFORMATION PROVIDED AS PART OF OR THROUGH FINHABITS OR FOR ANY INVESTMENT DECISIONS MADE ON THE BASIS OF SUCH INFORMATION, WHETHER THE DAMAGES ARE FORESEEABLE AND WHETHER OR NOT FINHABITS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION AND IN NO EVENT SHALL FINHABITS’ CUMULATIVE LIABILITY TO YOU EXCEED U.S. $100.
You may request termination of your Account at any time and for any reason by sending an email to email@example.com.
5. Dispute Resolution
6. Finhabits "Dos" and "Don'ts"
Finhabits grants you a license to use our website and mobile applications so long as you comply with all our rules.
You agree you will:
Comply with all applicable laws, including, without limitation, privacy laws, intellectual property laws, anti-spam laws, export control laws, tax laws, and regulatory requirements;
Provide accurate information to us, whether reported directly or through a third party who you authorize, and keep it updated;
Use the services solely for your personal, non-commercial use;
Use your real name on your profile and keep your password confidential;
Use the Services in a professional manner
You agree you won't:
Circumvent, disable, or otherwise interfere with security-related features of Finhabits or features that prevent or restrict use or copying of any content or User information;
Upload, email, transmit, provide, or otherwise make available: any User information which you do not have the lawful right to use, copy, transmit, display, or make available (including any User information that would violate any confidentiality or fiduciary obligations that you might have with respect to the User information); or any User information that infringes the intellectual property rights of, or violates the privacy rights of, any third-party (including without limitation copyright, trademark, patent, trade secret, or other intellectual property right, moral right, or right of publicity); or unsolicited or unauthorized advertising, promotional materials, junk mail, spam, chain letters, pyramid schemes, or any other form of solicitation; or any personal information that is unlawful, obscene, harmful, threatening, harassing, defamatory, or hateful, or that contain objects or symbols of hate, invade the privacy of any third-party, contain nudity, are deceptive, threatening, abusive, inciting of unlawful action, or are otherwise objectionable in the sole discretion of Finhabits; or
any personal information that contains software viruses or any other computer code, files, or programs designed to (i) interrupt, destroy, or limit the functionality of any computer software; or (ii) interfere with the access of any user, host or network, including without limitation overloading, flooding, spamming, mail-bombing, or sending a virus to Finhabits; or any personal information that includes code that is hidden or otherwise surreptitiously contained within the User information;
Use any meta tags or other hidden text or metadata utilizing a Finhabits name, trademark, URL or product name;
Forge any TCP/IP packet header or any part of the header information in any posting, or in any way use Finhabits to send altered, deceptive, or false source- identifying information;
Interfere with or disrupt (or attempt to interfere with or disrupt) any Finhabits web page, server, or network, or the technical delivery systems of Finhabits' providers, or disobey any requirements, procedures, policies, or regulations of networks connected to Finhabits.
Attempt to probe, scan, or test the vulnerability of any Finhabits system or network or breach or impair or circumvent any security or authentication measures protecting Finhabits;
Attempt to decipher, decompile, disassemble, or reverse-engineer any of the software used to provide Finhabits;
Attempt to access, search, or meta-search Finhabits or content thereon with any engine, software, tool, agent, device, or mechanism other than software and/or search agents provided by Finhabits or other generally available third- party web browsers, including without limitation any software that sends queries to Finhabits to determine how a website or webpage ranks;
Violate the terms of service or any other rule or agreement applicable to you or Finhabits' inclusion in, reference to, or relationship with any third party or third-party site or service, or your use of any such third-party site or service;
Collect or store personal information about other users without their express permission;
Impersonate or misrepresent your affiliation with any person or entity, through pretexting or some other form of social engineering, or commit fraud;
Solicit any User for any investment or other commercial or promotional transaction;
Violate any applicable law, regulation, or ordinance;
Scrape or copy information through any means (including crawlers, browser plugins and add-ons, and any other technology or manual work);
Use, launch, or permit to be used any automated system, including without limitation "robots," "crawlers," or "spiders"; or
Copy or use the information, content or data on Finhabits in connection with a competitive service (as determined by Finhabits);
Monitor Finhabits' availability, performance or functionality for any competitive purposes
If you become aware of misuse of Finhabits’ copyrighted materials or content thereon by any person, please contact Finhabits to report any abuse. Finhabits has adopted and implemented a policy that provides for the termination of Accounts of users who infringe the rights of copyright holders.
7. General Terms
You agree the only way to provide us legal notice is at the address provided in Section 9.5.
8. International Use
Finhabits is only available for use in the United States. We make no representation that Finhabits is appropriate or available for use outside the United States. Similarly, we make no representations that accessing Finhabits from locations outside the United States is legal or permissible by local law. If you access Finhabits from areas outside of the United States, you do so at your own risk and are yourself responsible for compliance with local laws.
9.1 Integration and Severability
This Agreement is the entire agreement between you and us with respect to Finhabits, and your use of our website and web-based applications, and supersedes all prior or contemporaneous communications and proposals (whether oral, written or electronic) between you and us. If any provision of this Agreement is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that this Agreement will otherwise remain in full force and effect. The failure of either party to exercise in any respect any right provided for herein shall not be deemed a waiver of any further rights hereunder.
9.2 Advice may differ
You understand and agree that we act as an investment adviser for Clients and will continue to do so. We and our personnel may make recommendations and take action for Clients that may differ from the recommendations we give to you or the action we take on your behalf. In addition, our personnel may take actions for their own accounts based on their own investment situations that differ from the recommendations we give you or actions we take on your behalf.
Your feedback is welcome and encouraged. You may submit feedback by emailing us at firstname.lastname@example.org. You agree, however, that (i) by submitting unsolicited ideas to Finhabits or any of its employees or representatives, by any medium, including but not limited to email, written, or oral communication, you automatically forfeit your right to any intellectual property rights in such ideas; and (ii) such unsolicited ideas automatically become the property of Finhabits. You hereby assign and agree to assign all rights, title, and interest you have in such feedback and ideas to Finhabits together with all intellectual property rights therein. In addition, you warrant that all moral rights in any feedback have been waived, and you do hereby waive any such moral rights.
You can also contact Finhabits via physical mail at:
46 Hester St, Floor 2
New York, NY 10002