Legal
Terms of Service
The rules that apply when you use FinWallet.
1. Who we are
FinWallet provides a wallet, reward cycle and payout product. FinWallet is not a licensed bank, is not a deposit-taking institution, and does not offer guaranteed investment returns.
2. Your account
You must provide accurate registration details, keep your credentials private, and complete identity verification before withdrawing. Accounts are personal and may not be shared.
3. Deposits
Deposits are processed through third-party providers. Funds become available when the provider confirms settlement. Fees are shown before you confirm each transaction.
4. Reward cycles
Each cycle publishes its rate, cap, start and end before you join. The rule version active at the start governs the whole cycle. Participation is optional and rewards are not guaranteed.
5. Referrals
Referral rewards are credited only when an invited user reaches the qualifying state published on the referral screen. Self-referral and manufactured signups are prohibited.
6. Withdrawals
Withdrawals require a verified beneficiary, sufficient available balance, a satisfied cooldown and two-factor confirmation. We may hold a payout pending risk review.
7. Prohibited use
You may not use FinWallet for fraud, money laundering, automated abuse of tasks or rewards, or any unlawful activity. We may suspend accounts that breach these rules.
8. Suspension and closure
We may suspend or close an account for breach, legal obligation or unresolved risk review. You may close your account after withdrawing your balance.
9. Liability
We provide the service on a best-effort basis. To the extent permitted by law we are not liable for indirect losses or for third-party provider failures outside our control.
10. Changes
We may update these terms. Material changes are notified in the app before they take effect.