Effective as of July 16, 2018


0.1. The Terms of Use (“Terms”) describe how FINTIBI (Company” or “we”) regulates your use of this website (the “Site”). Please read the following information carefully to understand our practices regarding your use of the Site. The Company may change the Terms at any time. The Company may inform you of the changes to the Terms using the available means of communication. The Company recommends you check the Site frequently to see the actual version of the Terms and their previous versions.
0.2. If you represent a legal entity, you certify that you are entitled by such a legal entity to conclude the Terms as the legal entity you represent.


Our Privacy Policy is available on a separate page. Our Privacy Policy explains to you how we process information about you. You shall understand that through your use of the Site you acknowledge the processing of this information shall be undertaken in accordance with the Privacy Policy.


2.1. To access additional functionality of the website and use all possible features, you need to register on the Site. Your account allows you to identify as a particular user.

2.2. When using the Site, you shall be responsible for ensuring the confidentiality of your account, password and other credentials and for a secure access to your device. You shall not assign your account to anyone. The Company is not responsible for unauthorized access to your account that results from misappropriation or theft of your account. The Company may refuse or cancel service, terminate your account, and, remove or edit content.

2.3. The Company does not knowingly collect personal data from persons under the age of 16 (sixteen). If you are under 16 (sixteen) years old, you may not use the Site and may not enter into the Terms under any circumstances.


3.1. The Site allows you to use services and features of the Site; you can upload data and analyze the financial performance of legal entities and our algorithms will produce results of the analysis. The analysis is produced only for information purposes. The report is general and cannot be used as a direction of the business and planning. You shall not rely on the analysis as an investment consultation or advice. Any such analysis shall be reviewed by an expert. The analysis does not constitute any kind of accuracy and completeness. The analysis may have gaps and errors.

3.2. We may amend the method of calculation, remove ratios, add ratios, and suggest multiple calculations for the same ratio without any prior notice. The ratio analysis we generate is a short comparison period and shall not be a reliable indicator for future results or performance. Past performance shall not be used as a reliable indicator for future results, as any financial decision including, but not limited to, investment or sale shall not be made on the basis of the analysis. The method of calculation shall be defined on the Site. The method used may require reclassification of the data, as ratio calculation may vary from a system to another and differences may occur in comparison to other methods of calculation or classification. Analysis may lead to different results from the methods used.

3.3. You shall not use the services for any illegal purposes. In the case of you misusing the Site, we may suspend or ban your account or access.

3.4. We may, at our sole discretion, set fees for using the Site or separate services. All prices are published separately on relevant pages on the Site. We may, at our sole discretion, change fees at any time.

3.5. We may use certified payment systems which also may have their commissions. Such commissions may be applied when you choose a particular payment system. Detailed information about commissions of such payment systems may be found on their websites.


The Site may include links to other sites, applications, and platforms (hereinafter the “Linked Sites“).

The Company does not control the Linked Sites, and shall not be responsible for the content and other materials of the Linked Sites. The Company makes these links available to you for providing the functionality or services on the Site.


5.1. The Company grants you a non-transferable, non-exclusive, revocable license to access and use the Site from one device in accordance with the Terms.

5.2. You shall not use the Site for unlawful or prohibited purpose. You may not use the Site in a way that may disable, damage, or interfere with the Site.

5.3. All content present on the Site includes text, code, graphics, logos, images, compilation, software used on the Site (hereinafter and hereinbefore the “Content“).

The Content is the property of the Company or its contractors and protected by intellectual property laws that protect such rights. You agree to use all copyright and other proprietary notices or restrictions contained in the Content and you are prohibited from changing the Content.

5.4. You may not publish, transmit, modify, reverse engineer, participate in the transfer, or create and sell derivative works, or in any way use any of the Content. Your enjoyment of the Site shall not entitle you to make any illegal use of the Content, and in particular you shall not change proprietary rights or notices in the Content. You shall use the Content only for your personal and non-commercial use. The Company does not grant you any licenses to the intellectual property of the Company.

5.5. Upon obtaining actual knowledge or awareness of illegal activities we shall act expeditiously to remove or disable access to the Content concerned; the removal or disabling of access will be undertaken in the observance of the principle of freedom of expression and of procedures established for this purpose.


6.1. The information and analysis available via the Site may include typographical errors or inaccuracies. The Company shall not be liable for these inaccuracies and errors.

6.2. The Company makes no representations about the availability, accuracy, reliability, suitability, and timeliness of the Content or analysis contained on and services available on the Site. To the maximum extent allowed by the applicable law, all such Content, analysis and services are provided on the “as is” basis. The Company disclaims all warranties and conditions regarding this Content and services, including warranties and provisions of merchantability and fitness for a certain purpose.

6.3. To the maximum extent permitted by the applicable law, in no event shall the Company be liable for any direct, indirect, incidental, consequential, special, or punitive damages including, but not limited to, damages for loss of enjoyment, data or profits, in the connection to the enjoyment or execution of the Site in the context of the inability or delay to enjoy the Site or its services, or for any Content of the Site, or otherwise arising out of the enjoyment of the Site, based on contract and non-contract liability or other reason.

6.4. If the exclusion or limitation of liability for damages, whether consequential or incidental, are prohibited in a particular case, the exclusion or limitation of liability shall not apply to you.


You agree to indemnify, defend and hold harmless the Company, its managers, directors, employees, agents, and third parties, for any costs, losses, expenses (including attorneys’ fees), liabilities regarding or arising out of your enjoyment of or inability to enjoy the Site or its services and Company’s services and products, your violation of the Terms or your violation of any rights of third parties, or your violation of the applicable law. The may assume the exclusive defence and you shall cooperate with the Company in asserting any available defences.


The Company may terminate your access and account to the Site and its related services or any part at any time, without notice, in case of your violation of the Terms.


9.1. The governing law of the Terms shall be the substantive laws of the country where the Company is set up, except the conflict of laws rules. You shall not use the Site in jurisdictions that do not give effect to all provisions of the Terms.

9.2. No joint venture, partnership, employment, or agency relationship shall be implied between you and the Company as a result of the Terms or use of the Site.

9.3. Nothing in the Terms shall be a derogation of the Company’s right to comply with governmental, court, police, and law enforcement requests or requirements regarding your enjoyment of the Site.

9.4. If any part of the Terms is determined to be void or unenforceable in accordance with applicable laws then the void or unenforceable clauses will be deemed superseded by valid and enforceable clauses shall be similar to the original version of the Terms and other parts and sections of the Terms shall be applicable to you and the Company.

9.5. The Terms constitute the entire agreement between you and the Company regarding the enjoyment of the Site and the Terms supersede all prior communications and offers, (electronic, oral or written) between you and the Company.

9.6. The Company and its affiliates shall not be liable for a failure or delay to fulfil its obligations where the failure or delay results from any cause beyond Company’s reasonable control, including technical failures, natural disasters, blockages, embargoes, riots, acts, regulation, legislation, or orders of government, terrorist acts, war, or any other force outside the Company’s control.

9.7 In case of controversies, demands, claims, disputes, or causes of action between the Company and you relating to the Site or other related issues, or the Terms, you and the Company agree to attempt to resolve such controversies, demands, claims, disputes, or causes of action by good faith negotiation, and in case of failure of such negotiation, exclusively through the courts of the country where the Company is set up.


We are committed to resolving any complaints. If you would like to make a complaint regarding the Terms or our practices, please contact us via email or the electronic contact form. We will reply to your complaint as soon as we can and in any event, within 30 days. We hope to resolve any complaint brought to our attention, however if you feel that your complaint has not been adequately resolved, you reserve the right to contact your local supervisory authority.


We welcome your comments or questions about the Terms. You may contact us via the available means of communication.