Terms of Service

These Terms of Service ("Terms") govern your access to and use of digital products and payment services offered by Finoment LLC ("Finoment", "we", "us"), a Limited Liability Company (Wyoming, USA) with principal address 30 N Gould St Ste R, Sheridan, WY 82801, United States, EIN 98-1916471.

1. Nature of service

Finoment sells digital products and services directly. All purchases are made via unique, time-limited payment links issued either by us or by one of our authorised sister sites. Finoment is the seller and merchant of record for every transaction on this platform. Finoment does not hold customer funds, does not offer stored-value accounts, and does not transmit money to third parties.

2. Eligibility

You must be at least 18 years old and legally able to enter into contracts. You may not use Finoment if you are located in, or a resident of, a jurisdiction subject to comprehensive U.S. sanctions (currently Iran, North Korea, Syria, Cuba, and the Crimea, Donetsk and Luhansk regions of Ukraine), or if you appear on any U.S. government sanctions list.

3. Account, KYC and agreement

To complete a purchase you must (a) create an account with a valid email address, (b) complete identity verification via our KYC provider Didit, and (c) sign this Customer Agreement electronically. Verification and signature are one-time gates that unlock future purchases on the same account.

4. Payments and 3-D Secure

Card payments are processed by Airwallex US, Inc. as our payment service provider. Every card transaction is submitted with 3-D Secure authentication where supported by the issuer. By initiating a payment you authorise Finoment LLC to charge your payment method for the exact amount displayed at checkout, in the currency displayed at checkout.

5. Prices, taxes, invoices

Prices are shown inclusive or exclusive of applicable taxes as indicated at checkout. Where required, sales tax, VAT or GST is calculated based on the billing information you provide. Upon successful payment we issue a sequentially-numbered electronic invoice bearing Finoment LLC's legal name, address and EIN. Invoices are available in your account under "Orders".

6. Refunds, cancellations, chargebacks

Refund policy is described at /legal/refunds. Unauthorised chargebacks initiated after successful delivery of a digital product may be disputed and, if upheld against you, may result in suspension of your account and referral of the debt to collection.

7. Prohibited use

You may not use Finoment to purchase or resell goods or services that violate applicable law, infringe third-party rights, involve fraud, money laundering, terrorism financing, sanctions evasion, or that fall within our payment provider's prohibited-business list (including but not limited to: unregulated financial services, adult content, illegal substances, weapons, and gambling without a licence).

8. Data protection

We process your personal data as described in our Privacy Notice.

9. Warranties and liability

Digital products are provided "as is" and "as available" without warranties of any kind, express or implied, to the maximum extent permitted by law. In no event will Finoment LLC's aggregate liability arising out of or in connection with these Terms exceed the amount you paid us in the 12 months preceding the event giving rise to the claim.

10. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, USA, without regard to conflict-of-laws principles. Any dispute will be resolved by binding individual arbitration seated in Sheridan County, Wyoming, subject to your right to bring qualifying claims in small-claims court.

11. Changes

We may update these Terms from time to time. Material changes take effect for future purchases only. Continued use of Finoment after publication of updated Terms constitutes acceptance of the changes.

12. Contact

Questions about these Terms: legal@finoment.com. General support: support@finoment.com.