Subscription Terms

• Plans: Pro (Enterprise by separate agreement)
• Pro price: $89/month billed monthly, or $948/year billed annually ($79/month equivalent)
• New subscriber offer (Pro monthly): 14-day free trial. When you subscribe, $19.99/month for your first 3 paid months, starting the day you subscribe, then $89/month until you cancel
• Free trial: 14 days of Pro, $0. No credit card or payment method required to start. If you don't subscribe, your free trial simply ends on day 15 and you are not charged
• Subscribing: Add a payment method and agree to the automatic renewal terms at checkout. If you subscribe during the free trial, your paid subscription starts that day and you are charged that day ($19.99 plus tax for Pro monthly, or $948 plus tax for Pro annual). The rest of your free trial is forfeited and is not carried over or credited
• Taxes: Added at checkout where required
• Automatic renewal: Yes. Renews each month or year until you cancel. With the new subscriber offer, Pro renews at $19.99 for paid months 1–3, then at $89/month
• How to cancel: Online at Account Settings > Billing > Cancel Subscription, or email support@finapolis.com. No cancellation fee, including during the promotional months. You don't need to cancel a free trial; it ends on its own
• When cancellation takes effect: End of the current billing period; you keep access until then. Cancelling does not restore forfeited free trial days
• Refunds: See Section 9
• Payment processor: Stripe, Inc.

These Subscription Terms apply to paid Finapolis plans purchased online and form part of the Finapolis Terms of Service. Enterprise subscriptions are governed by the applicable Master Services Agreement and Order Form.

2.1 Plan features. Pro features and monthly usage limits (for example, backtests, tracked portfolios, and brokerage connections) are described on our Pricing page. Monthly usage allowances reset at the start of each monthly billing cycle (for annual plans, on the monthly anniversary of your start date) and do not roll over. We may modify features, but we will not materially reduce the core features of Pro during a billing period you have already paid for.

3.1 How the free trial works. New users can start a 14-day free trial of Pro by creating a Finapolis account. We do not ask for a credit card or any other payment method to start the free trial, and we do not charge you anything during it. The free trial includes Pro features. The $19.99 promotional price applies only to Pro monthly billing.

3.2 No automatic charge. Because we don't collect payment details for the free trial, your free trial does not turn into a paid subscription on its own. If you do nothing, your free trial ends at the end of day 14 and you are not charged.

3.3 Subscribing to continue Pro. To keep Pro after the free trial, you subscribe by adding a payment method and agreeing to the automatic renewal terms through Stripe Checkout (Section 5). You can subscribe at any time during the free trial in Account Settings > Billing.

• If you subscribe during the free trial, your paid subscription starts that day. Your free trial ends on the day you subscribe, and any remaining free trial days are forfeited. They are not carried over, added to your first billing period, refunded, or credited. Your billing date is the day you subscribe.
• Pro monthly during the free trial: Stripe charges your payment method $19.99 plus tax on the day you subscribe. You will then be charged $19.99 plus tax on the same date each month for the rest of your first 3 paid months, and $89 plus tax every month after that, until you cancel (Section 4).
• Pro annual during the free trial: Stripe charges your payment method $948 plus tax on the day you subscribe, and your plan renews every year on that date. Pro annual does not include the $19.99 promotional price.
• If you subscribe after the free trial ends: your paid subscription starts and you are charged when you subscribe.

3.4 Cancelling after you subscribe. Because subscribing ends your free trial and starts your paid subscription, there is no free trial period left to cancel in. You can cancel at any time in Account Settings > Billing; cancellation takes effect at the end of your current paid billing period (Section 8), and refunds are governed by Section 9. Cancelling does not restore forfeited free trial days.

3.5 Free trial reminder. If you have not subscribed, we will email you 7 days before your free trial ends (on day 8 of your 14-day free trial). The email gives the date your free trial ends, explains that you will not be charged, and tells you how to subscribe if you want to keep Pro, including the $19.99 promotional price, when it ends, and the $89 price after that, and that subscribing starts your paid subscription that day and forfeits any remaining free trial days. If you have already subscribed, your free trial has ended, so you will not receive this reminder; your subscription confirmation (Section 6) states your charges and renewal dates.

3.6 When the free trial ends without a subscription. If you have not subscribed by the end of your free trial, your Pro access ends when the free trial ends, and any connected brokerage accounts are disconnected. You can export your data before the free trial ends. For 30 days after that, we keep your free trial data (such as watchlists, saved screens, DCF models, portfolios, and Napoli history). If you subscribe to Pro with the same email during that time, your data will be restored. After 30 days, we delete your free trial data as described in our Privacy Policy, except information we must keep for legal, security, or fraud-prevention purposes (such as a record that your email has used a free trial). You can ask us to delete your data sooner by emailing support@finapolis.com.

3.7 If your first payment fails. If we can't charge your payment method when you subscribe during the free trial, your paid subscription does not start, and your free trial continues until its original end date . You can try again with another payment method.

3.8 Limits. The free trial and the promotional price are limited to one per person, household, or organization. We may decline, shorten, or end a free trial if we detect abuse, such as creating multiple accounts. Reopening a closed account or subscribing later does not start a new free trial. Free trial usage limits are stated on the Pricing page.

4.1 Price. If you subscribe to Pro monthly before your free trial ends, Pro costs $19.99 per month, plus applicable tax, for your first 3 paid monthly billing periods, starting on the day you subscribe. Starting with your 4th paid monthly billing period, it automatically renews at Pro's regular price of $89 per month, plus applicable tax, until you cancel. Both prices are shown before you subscribe, and you agree to both at checkout.

4.2 Timeline.

• Free trial (up to 14 days, no payment method required; ends on the day you subscribe): $0
• Paid months 1–3 (starting the day you subscribe): $19.99/month plus tax
• Paid month 4 onward: $89/month plus tax, until you cancel

Example: you start your free trial on March 1 and subscribe to Pro monthly on March 5. Your paid subscription starts on March 5, you are charged $19.99 plus tax that day, and the remaining 10 days of your free trial are forfeited. You are charged $19.99 plus tax on April 5 and May 5, and $89 plus tax every month starting June 5, until you cancel.

4.3 Features. You get Pro features throughout the free trial and the promotional months.

4.4 Who is eligible. The promotional price is available once per person, household, or organization, to new subscribers only. It is not available to current or former paid subscribers, and it applies to monthly billing only.

4.5 Notice before the promotional price ends. We will email you at least 7 days and no more than 21 days before your first charge at the $89 price. The notice will state the date the $89 price starts, that your subscription will continue to renew automatically unless you cancel, and a link to cancel.

4.6 No minimum commitment. The promotional price does not lock you in. You can cancel at any time, including during the promotional months, with no cancellation fee or penalty. Cancellation during a paid month takes effect at the end of that month (see Section 8).

4.7 Switching to annual billing during the promotional months. If you switch to Pro annual billing during the promotional months, your promotional price ends when the switch takes effect, and any remaining promotional months are not credited or carried over. Charges for switching are described in Section 10. Choosing annual billing during the free trial is covered in Section 3.3.

Your subscription automatically renews at the end of each billing period (monthly or annual) for the same period length, and Stripe will charge your payment method on file the price for your plan, plus applicable taxes, unless you cancel before the renewal date. Automatic renewal applies only after you subscribe and agree to these terms at checkout; starting a free trial does not enroll you in automatic renewal. If you subscribe during the free trial, your subscription starts and your first charge is made on the day you subscribe, and the rest of your free trial is forfeited. With the new subscriber offer on Pro monthly, the price is $19.99 for your first 3 paid monthly billing periods and $89 per month after that. Otherwise, it is the then-current Pro price. Monthly plans renew on the same calendar date each month (or the last day of the month if that date doesn't exist). Annual plans renew on the anniversary of your start date. Your start date is the day you subscribe.

By subscribing, you expressly authorize Finapolis, through Stripe, to charge your payment method on a recurring basis as described above until you cancel.

• Free trial: if you have not subscribed, we will email a reminder 7 days before your free trial ends (Section 3.5).
• Promotional price: we will email a notice at least 7 days and no more than 21 days before your first charge at the $89 price (Section 4.5).
• Annual plans: we will email a renewal reminder 30 days before each annual renewal, stating the renewal date, the amount, and how to cancel.
• All plans: we will send an annual reminder that identifies your plan, the frequency and amount of charges, and how to cancel.
• Confirmation: after you subscribe (not when you start a free trial without subscribing), we will email a confirmation that includes these terms (including the date and amount of your first charge, which is the day you subscribe; that any remaining free trial days were forfeited; and, with the new subscriber offer, the $19.99 promotional price, when it ends, and the $89 price after that), the cancellation policy, and how to cancel, in a form you can keep.

We may change subscription prices. We will notify you by email at least 7 days and no more than 30 days before a price change takes effect, with instructions for how to cancel. The new price applies starting with your next renewal after the notice period. If you do not want to pay the new price, you may cancel before it takes effect.

The move from the $19.99 promotional price to the regular $89 Pro price described in Section 4.1 is part of the terms you agree to at checkout, not a price change under this Section. We will still send the notice in Section 4.5.

You can cancel at any time, online, without contacting us:

1. Sign in and go to Account Settings > Billing.
2. Click Cancel Subscription and confirm.

You can also cancel by emailing support@finapolis.com from your account email. We will confirm cancellation by email. If we show you a retention offer, a clearly labeled option to finish cancelling will be displayed at the same time. There is no cancellation fee on any plan, including during the promotional months. If you haven't subscribed, there is nothing to cancel: your free trial ends on its own and you are not charged.

Effect of cancellation: your subscription will not renew, and you keep access to paid features through the end of your current paid period. After that, your account moves is closed. Cancelling does not restore forfeited free trial days. You can export your data before the period ends.

• Free trial: we never charge for a free trial. If you subscribe during the free trial, the charge on the day you subscribe is your first subscription payment, covered by the rules below. Forfeited free trial days are not refunded or credited.
• Monthly billing (including the promotional months): fees are non-refundable, and we do not provide credits for partial months, except as required by law.
• Annual plans: you may request a full refund within [14] days of your initial annual purchase or of an annual renewal charge, provided you have not exceeded [ten (10)] AI Reporter reports during that period. After that, annual fees are non-refundable, except as required by law.
• Billing errors: if you believe you were charged in error, contact support@finapolis.com within 60 days. We aim to respond within one business day.
• California residents: if you did not receive the automatic renewal disclosures required by California law before purchase, you may be entitled to a refund under California Business and Professions Code § 17603.

Refunds are issued to the original payment method through Stripe.

• Switching from monthly to annual billing takes effect immediately. You will be charged the annual price, less a prorated credit for the rest of your current month, shown before you confirm. Switching during the promotional months ends the promotional price (Section 4.7). Choosing annual billing during the free trial is covered in Section 3.3.
• Switching from annual to monthly billing takes effect at your next annual renewal, at the regular $89/month price. The promotional price does not apply.
• You can change your billing cycle in Account Settings > Billing.

Payments are processed by Stripe. No payment method is needed during a free trial unless you subscribe. Once you subscribe, you must keep a valid payment method on file. If a payment fails, Stripe may retry the charge over [up to 14] days and we will notify you. If payment is not completed, we may suspend paid features until the balance is paid. You authorize Stripe to update your card details through card network updater services.

Prices do not include sales, use, or similar taxes unless stated. Applicable taxes are calculated based on your billing address and shown at checkout.

If you dispute a charge with your card issuer, please contact us first so we can try to resolve it. We may suspend your account while a chargeback is pending.

We keep a record of your consent to these automatic renewal terms for at least three years, or one year after your subscription ends, whichever is longer.

Finapolis Inc., 4343 Von Karman Ave., 3rd Floor, Newport Beach, CA 92660
support@finapolis.com