(Last updated: 12.08.2025)

1. Introduction
These Terms and Conditions ("Terms") govern the access to and use of services provided by Lintu Investments Oy, Business ID 3359228-4, Meri-Rastilan Tie 6 A 8, 00980 HELSINKI ("Company", "we", "our", "us"). By accessing our website, platform, or services (collectively, the "Service"), you ("User", "you") agree to be legally bound by these Terms.
If you do not agree to these Terms, you must not use the Service.
If you are using the Service on behalf of a company or other legal entity, you represent and warrant that you are authorized to bind that entity to these Terms, and "you" will refer to that entity.
These Terms are governed by Finnish law and applicable European Union law. If you are a consumer, your mandatory rights under Finnish and EU consumer protection laws apply in addition to these Terms.
2. Nature of Service and Disclaimer
Informational Purpose Only

• The Service provides data analysis, statistical models, and interpretation of financial and economic data.
• All content is for general informational, educational, and research purposes only.
• The Service does not constitute investment, financial, legal, or tax advice.

No Licensing as Financial Services Provider

• Lintu Investments Oy is not authorized by the Finnish Financial Supervisory Authority (Finanssivalvonta) or any EU regulator to provide investment services.
• No content on the Service should be construed as an offer, solicitation, or recommendation to buy, sell, or hold securities or other financial instruments.

Responsibility of Users

• You remain solely responsible for your financial and investment decisions.
• Before making financial decisions, you should seek advice from a licensed professional.
• Past performance, forecasts, or simulations are not indicative of future results.

No Guarantee of Accuracy or Availability

• While we use reasonable care and reliable sources, we do not guarantee accuracy, completeness, timeliness, or uninterrupted availability of the Service.
• We do not assume fiduciary duties towards you.
• We are not liable for reliance on Service information or for system outages, data errors, or third-party service failures.

3. Eligibility and User Obligations

• You must be at least 18 years old and legally capable of entering into contracts.
• You are responsible for ensuring that your use of the Service complies with laws in your jurisdiction.
• You must provide accurate, complete, and truthful information when using the Service, including during registration, payment, and submission of data.
• You are solely responsible for any damages, losses, or liabilities arising from the provision of false, misleading, incomplete, or fraudulent information.
• By using the Service, you represent and warrant that neither you nor any company or entity you represent is subject to, owned or controlled by, or acting on behalf of any person or entity that is included on any sanctions list issued by the European Union, the European Economic Area, the United Kingdom, or the United States.
• You agree not to misuse the Service, including but not limited to:
• copying, redistributing, reselling, or reverse-engineering the Service;
• violating financial market regulations, anti-money laundering laws, or data protection rules;
• introducing malware, attempting unauthorized access, or interfering with security;
• scraping, automated data extraction, or excessive use that impairs performance;
• engaging in fraudulent or unlawful conduct.