Terms & Conditions

1. Acceptance of Terms

By creating an account or using Finigram ("the Platform"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the Platform.

Finigram is operated by Emrald. By using the Platform, you confirm that you are at least 18 years old and legally capable of entering into binding agreements.

2. What Finigram Is

Finigram is an AI-powered digital product marketplace that allows creators to:

• Upload and sell digital products (eBooks, templates, courses, etc.)
• Build digital products using AI (Fini Product Builder)
• Generate AI-powered sales funnels (Fini Sales Funnel)
• Get marketing advice from Fini AI
• Earn money through affiliate product links

3. Revenue Split & Payments

• All prices on Finigram are listed in USD
• Buyers may be charged in their local currency at the current exchange rate
• Payments are processed securely through Flutterwave
• Creator earnings are credited to their Finigram balance after each sale
• Withdrawals are subject to Flutterwave's payout terms and verification
• Finigram is not responsible for payment processing failures caused by third-party providers

4. Creator Responsibilities

As a creator on Finigram, you agree to:

• Only upload products that you own or have the legal right to sell
• Not sell counterfeit, plagiarized or stolen content
• Not upload illegal, harmful, offensive or adult content
• Ensure your product descriptions are accurate and not misleading
• Set fair and reasonable prices for your products
• Respond to buyer complaints in good faith

5. AI-Generated Content

• Content generated by AI tools belongs to the creator who generated it
• Creators are responsible for reviewing AI-generated content before publishing
• Finigram does not guarantee the accuracy or quality of AI-generated content
• AI tools require tokens to use — tokens are purchased and non-refundable
• Finigram reserves the right to modify or discontinue AI features at any time

6. Tokens & Subscriptions

• Tokens are used to power AI features on Finigram
• Purchased tokens are non-refundable
• Premium subscriptions renew monthly unless cancelled
• Finigram reserves the right to change token prices with prior notice
• Free trial tokens are provided at signup and cannot be transferred

7. Prohibited Activities

• Selling illegal products or services
• Engaging in fraud, money laundering or scamming
• Harassing, abusing or harming other users
• Uploading malware, viruses or harmful software
• Attempting to hack or disrupt the Platform
• Creating fake accounts or manipulating reviews
• Violating any applicable local or international laws

Violation of these rules may result in immediate account suspension and legal action.

8. Misleading & Fraudulent Products

Finigram takes product integrity seriously. Creators must ensure that every product listed on the platform is accurately represented.

• Accurate descriptions required: Product titles, descriptions, previews, and screenshots must truthfully reflect the actual content delivered to buyers.
• No false claims: Creators must not make exaggerated, unverifiable, or misleading claims about income potential, results, or product capabilities.
• Complaints threshold: If a product receives 2 or more verified buyer complaints for being misleading or not as described, the product and the creator's account will be automatically suspended pending review.
• Admin review: Finigram reserves the right to access and review the full content of any reported product without purchase in order to carry out a fair investigation.
• Outcomes of review: If the product is found to be misleading, it will be permanently removed and the creator may face a permanent ban. If no violation is found, the suspension will be lifted and the product restored.
• Repeat offenders: Creators with a pattern of misleading products will be permanently banned from the platform.

Finigram's goal is to maintain a trustworthy marketplace. Deliberate deception of buyers is a serious violation and will be treated accordingly.

9. Refunds & Disputes

• All sales on Finigram are generally final due to the digital nature of products
• Refunds may be considered if a product is significantly different from its description
• Buyers must contact Finigram support within 7 days of purchase for disputes
• Finigram reserves the right to issue refunds and deduct the amount from creator earnings

10. Privacy & Data

• Finigram collects your email, name and transaction data to operate the Platform
• Your data is stored securely using Supabase
• Finigram does not sell your personal data to third parties
• Payment data is handled by Flutterwave and not stored on Finigram servers
• By using Finigram you consent to receiving transactional emails
• You may request deletion of your account and data by contacting support

11. Account Security

• You are responsible for keeping your account credentials secure
• Finigram will never ask for your password via email or chat
• Sessions automatically expire after 5 minutes of inactivity
• Report any unauthorized access to your account immediately

12. Intellectual Property

• The Finigram name, logo and platform design are owned by Emrald
• Creators retain ownership of their original products
• By listing a product on Finigram, you grant Finigram a license to display and promote it
• You must not copy or reproduce Finigram's design or code without permission

12. Limitation of Liability

Finigram and Emrald are not liable for:

• Loss of earnings due to platform downtime or technical issues
• Actions of buyers or other creators on the platform
• Losses resulting from payment processing failures
• Accuracy of AI-generated content
• Any indirect, incidental or consequential damages

13. Changes to Terms

Finigram reserves the right to update these Terms at any time. Users will be notified of significant changes via email. Continued use of the Platform after changes constitutes acceptance of the new terms.

14. Contact