LAST UPDATED: February 24, 2026

Welcome to the Finley website, www.getfinley.com (the "Website"). Your use of our Website is subject to the following Terms and Conditions ("Terms") and our Privacy Policy. Please read these Terms carefully before using the Website. If You do not agree to these Terms, please do not use our Website.

PLEASE BE ADVISED THAT THESE TERMS ARE A LEGAL AGREEMENT BETWEEN YOU AND FINANCIAL WELLNESS LABS, AND YOUR USE OF THIS WEBSITE IS GOVERNED BY THESE TERMS.

ABOUT US

Financial Wellness Labs, Inc. ("Financial Wellness Labs," "Finley," "we," "us," or "our") is a Delaware corporation with offices at 4 West Palisade Ave, Englewood, NJ. Should You have any questions about these Terms and Conditions or wish to contact us for any reason, please use the Contact Us section on our Website.

PRIVACY

Our Privacy Policy also governs Your visit to our Website and describes what information we collect from You, and how that information is used, shared, secured, and eventually deleted.

OUR WEBSITE'S INTENDED AUDIENCE

Our Website is intended for and directed to residents of the United States and for persons over the age of 18. This Website is not intended for or marketed to anyone under the age of 18. You must be 18 years old or the age of majority in Your jurisdiction of residence to use the services offered on our Website.

NOT LEGAL, TAX OR INVESTMENT ADVICE

Financial Wellness Labs does not provide insurance, tax or investment advice. The Website and its contents are not intended for and should not be construed as legal or tax advice. The Website does not constitute a solicitation of an offer to buy or an offer to sell products, securities, stocks, bonds, or any other similar financial product. For information specific to Your personal situation, consult with Your attorney, tax advisor, or investment advisor. The Website, the contents, and Financial Wellness Labs' services are intended to provide You with general information and assistance with respect to financial education and goals, and our services which may be able to assist You in developing a plan to modify financial behaviors and reach Your personal financial goals. We are not responsible for the consequences of any decisions or actions taken in reliance upon or as a result of the content made publicly available on the Website.

INTELLECTUAL PROPERTY AND LIMITED LICENSE

All content available on the Website, including but not limited to text, graphics, logos, button icons, images, audio clips, data compilations and software, and the compilation and arrangement thereof (collectively, the "Content") is the property of Financial Wellness Labs, our affiliates, partners, licensors, or service providers, and is protected by United States and international copyright laws.

The trademarks, logos, and service marks displayed on the Website (collectively, the "Trademarks") are the registered and unregistered marks of Financial Wellness Labs, our affiliates, partners, licensors or service providers, in the United States and other countries, and are protected by United States and international trademark laws.

Except as required under applicable law, neither the Content or Trademarks nor any portion of the Website may be used, reproduced, duplicated, copied, sold, resold, accessed, modified, or otherwise exploited, in whole or in part, for any purpose without our prior written consent. This includes any automatic or bot scraping of the data and content contained on our Website. Any form of automatic scraping of our Website and the data contained herein, is a violation of these Terms.

If You would like to use or post any of our data, Content or Trademarks, You can send us a request for permission via email to support@getfinley.com.

With regards to content that You are viewing on our Website and Your overall use of our Website, we do provide You with a limited, royalty-free, non-exclusive, nontransferable, right and license to access our Website and You may view, download, or print materials from our Website for Your own personal and non-commercial use (provided all original copyright, trademark, and other notices are preserved in their original form) ("Limited License"). This Limited License does not include any rights not specifically stated herein.

Your use of our Website does not grant, license, or transfer to You any ownership or other rights in our Website content, and except as expressly provided, nothing herein or within the Website shall be construed as conferring on You or any other person any license under any of Financial Wellness Labs' or any third party's intellectual property rights. Any rights not expressly granted to You in these Terms are expressly reserved by Financial Wellness Labs.

ELECTRONIC COMMUNICATIONS

The information communicated on the Website constitutes an electronic communication. When You communicate with us through the Website or via other forms of electronic media, such as e-mail, You are communicating with us electronically. You agree that we may communicate electronically, subject to local privacy and anti-spam laws, and that such communications, as well as notices, disclosures, agreements, and other communications that we provide to You electronically, are equivalent to communications in writing and shall have the same force and effect as if they were in writing and signed by the party sending the communication.

MOBILE FEATURES

We may offer features and services that are available to You via Your mobile phone. These features and services may include, without limitation, the ability to browse our Website from Your mobile device, upload content to our Website, receive messages from our Website, download applications to Your mobile phone or access Website features (collectively, the "Mobile Features"). Standard messaging, data and other fees may be charged by Your carrier when You use the Mobile Features. Your carrier may prohibit or restrict certain Mobile Features and certain Mobile Features may be incompatible with Your carrier or mobile device. Contact Your carrier with questions regarding these issues.

AI-POWERED SERVICES

Our platform includes AI-powered financial coaching and guidance features. You acknowledge and agree that: (i) AI-generated content is for informational and educational purposes only and does not constitute professional financial, legal, tax, or investment advice; (ii) You are solely responsible for any financial decisions You make based on information provided by our AI features; (iii) AI-generated responses may not always be accurate, complete, or up-to-date; and (iv) You should consult with qualified professionals for advice specific to Your personal financial situation. Financial Wellness Labs makes no warranties or representations regarding the accuracy or reliability of AI-generated content.

LINKING/SCRAPING

You may not link the Website to any other site without Financial Wellness Labs' prior written consent. If and where the Website provides a link(s) to any third party website, such website may not be under Financial Wellness Labs' control and accordingly Financial Wellness Labs will have no responsibility for, and does not make any representations or warranties with respect to, such website or any content, products or services in connection therewith, and Financial Wellness Labs does not endorse any of the same. Financial Wellness Labs does not consent to this Website being scraped by bot, automated means, or any other means, and/or used in a data set or to train any automated systems, including but not limited to any artificial intelligence.

YOUR OBLIGATIONS AND RESPONSIBILITIES

In the access or use of the Website, You shall comply with these Terms and the special warnings or instructions for access or use posted on the Website. You shall always act in accordance with the law and/or applicable custom, and in good faith. It is strictly prohibited to use or contact this Website to disrupt or damage the Website, its contents or its security measures or to harass Financial Wellness Labs or its services or personnel. You may not use the Website for commercial purposes. No unsolicited email (spam), or advertising or promotional materials may be directed to or through this Website.

You may not use this Website in order to transmit, distribute, store, or destroy material (a) in violation of any applicable law or regulation, (b) in a manner that will infringe the copyright, patent, trademark, trade secret or other intellectual property rights of others or violate the privacy or publicity or other personal rights of others, or (c) that is libelous, obscene, threatening, abusive, or hateful.

IF YOU DEFAULT NEGLIGENTLY OR WILLFULLY IN ANY OF THE OBLIGATIONS SET FORTH IN THESE TERMS AND CONDITIONS (INCLUDING OUR PRIVACY POLICY), YOU SHALL BE LIABLE FOR ALL THE LOSSES AND DAMAGES THAT THIS MAY CAUSE TO FINANCIAL WELLNESS LABS, OUR AFFILIATES, PARTNERS OR LICENSORS.

CUSTOMER ACCOUNTS

If You choose to register as a Customer on our Website or through the Finley platform, use of Your account will be governed by Financial Wellness Labs' Customer Terms. You are responsible for maintaining the confidentiality of Your account, username and password and for restricting access to Your computer or device. You agree to accept responsibility for all activities that occur under Your account, username and/or password. You agree to provide only accurate, truthful information. We reserve the right to refuse service and/or terminate Customer Accounts without prior notice if You violate these Terms or if we decide, in our sole discretion, that it would be in Financial Wellness Labs' best interest to do so. If You notice any problems or suspect that Your account has been compromised, please contact us at support@getfinley.com to report the same as soon as possible.

USER GENERATED CONTENT

Any unsolicited suggestions, ideas, inquiries, materials, feedback, or other information You provide us ("User Generated Content") will be treated as non-proprietary and non-confidential and, by submitting such information, You hereby grant us a nonexclusive, royalty-free, perpetual, transferable, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, sell, assign, translate, create derivative works from, distribute and display such information in any form, media, or technology, whether now known or hereafter developed, alone or as part of other works.

You agree that You will not provide to us any User Generated Content that is unlawful, harmful, tortious, defamatory, libelous, obscene, invasive of the privacy of another person, threatening, harassing, abusive, hateful, racist, infringing, pornographic, violent or otherwise objectionable or inappropriate as determined by Financial Wellness Labs.

Financial Wellness Labs reserves the right to cooperate fully with any law enforcement authorities or court order requesting or directing us to disclose the identity or other information of anyone posting any materials on or through the Website.

DMCA - COPYRIGHT COMPLAINTS

The Digital Millennium Copyright Act of 1998 (the "DMCA") provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. It is our policy, in appropriate circumstances and at our discretion, to disable and/or terminate the accounts of users who repeatedly infringe or are repeatedly charged with infringing the copyrights or other intellectual property rights of others.

We can be reached for claims of copyright infringement by writing to Financial Wellness Labs, Inc., 4 West Palisade Ave, Englewood, NJ 07631 or by emailing: support@getfinley.com.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Financial Wellness Labs, its affiliates, partners, licensors and service providers, and their respective officers, directors, employees, agents, licensors, representatives, and third-party providers to the Website from and against all claims, losses, expenses, damages, and costs, including reasonable attorneys' fees, arising out of or relating to any violation of these Terms by You.

This provision does not require You to indemnify us for any unconscionable commercial practice by such party or for such party's fraud, deception, false promise, misrepresentation or concealment, suppression or omission of any material fact in connection with the Website. This Indemnification section does not apply to New Jersey residents.

DISCLAIMER OF WARRANTIES

FINANCIAL WELLNESS LABS MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, IN CONNECTION WITH THESE TERMS, OUR WEBSITE, AND THE SERVICES OFFERED ON OUR WEBSITE, INCLUDING ITS CONTENT. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM OR THROUGH OUR WEBSITE, INCLUDING ANY PRODUCTS OR SERVICES, WILL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

THE WEBSITE IS NOT A SUBSTITUTE FOR SEEKING FINANCIAL ADVICE CONCERNING YOUR SPECIFIC CIRCUMSTANCES FROM A QUALIFIED ATTORNEY, ACCOUNTANT, INVESTMENT, OR OTHER PROFESSIONAL ADVISOR.

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, FINANCIAL WELLNESS LABS DISCLAIMS ANY AND ALL IMPLIED OR STATUTORY WARRANTIES, INCLUDING ANY IMPLIED WARRANTY OF TITLE, ACCURACY OF DATA OR OPERABILITY, NON-INFRINGEMENT, MERCHANTABILITY OF THE WEBSITE OR FITNESS FOR A PARTICULAR PURPOSE.

LIMITATION OF LIABILITY

FINANCIAL WELLNESS LABS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING LOST PROFITS) RELATED TO OUR WEBSITE REGARDLESS OF THE FORM OF ACTION WHETHER IN CONTRACT, TORT, OR OTHERWISE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL OUR MAXIMUM AGGREGATE LIABILITY EXCEED ONE HUNDRED UNITED STATES DOLLARS ($100.00).

NOTWITHSTANDING THE FOREGOING, THESE DISCLAIMERS AND LIMITATIONS OF LIABILITY DO NOT EXCLUDE ANY PRODUCT LIABILITY CLAIMS, STATUTORY CONSUMER RIGHTS, DAMAGES ASSOCIATED WITH PERSONAL INJURY OR RESULTING FROM COMPANY INTENTIONAL MISCONDUCT, RECKLESSNESS, FRAUD, OR GROSS NEGLIGENCE.

This Limitation of Liability section does not apply to New Jersey residents.

CHOICE OF LAW/FORUM SELECTION

These Terms shall be governed by the laws of New Jersey as if the Terms were a contract wholly entered into and wholly performed within New Jersey. You further expressly consent and agree to submit to the exclusive jurisdiction and venue of a state court of competent jurisdiction located in Bergen County, New Jersey.

SEVERABILITY

If any provision in these Terms is found to be invalid or unenforceable or contrary to applicable law, such provision shall be construed, limited, or altered, as necessary, to eliminate the invalidity or unenforceability or the conflict with applicable law, and all other provisions of these Terms shall remain in effect.

GENERAL

We reserve the right, in our sole discretion, to change these Terms at any time by posting the changes on the Website and revising the Last Updated date at the top of these Terms. Any changes are effective immediately upon posting to our Website. Your continued use of the Website following any changes to these Terms constitutes acceptance of such changes.

CONTACT US

If You have any questions about these Terms or our Services, please contact us at support@getfinley.com.