Legal Disclaimer

Last Updated 09/07/2025

By accessing and using the Fintopio website (the "Website") located at https://fintopio.com and any associated subdomains, mobile applications, or services, you acknowledge that you have read, understood, and agreed to be bound by this Legal Disclaimer (the “Disclaimer”) and all applicable laws and regulations. If you do not agree with any part of this Disclaimer, you must immediately discontinue using the Website.

NO FINANCIAL ADVICE

The information provided on this Website, including but not limited to articles, educational content, market analysis, price data, charts, and any other materials (the "Content"), is for general informational and educational purposes only and should not be construed as financial, investment, legal, tax, or other professional advice. Fintopio Wallet Ltd ("Fintopio," "we," "us," or "our") is not a financial advisor, investment advisor, broker, dealer, or tax advisor. The Content is not tailored to the specific investment needs of any individual, and you should not rely on the Content as a substitute for professional advice. Any decision to use cryptocurrency services, engage in cryptocurrency transactions, or utilize wallet services is made at your sole discretion and risk. You should conduct your own research and consult with qualified professionals before making any financial decisions.

FINTOPIO ACADEMY

1. Educational Purpose Only: Fintopio Academy ("Academy") provides educational content, tutorials, guides, and learning materials related to cryptocurrency, blockchain technology, digital wallets, trading concepts, and related topics. All Academy content is provided solely for educational and informational purposes.

2. No Professional Instruction: The Academy content does not constitute professional financial education, certified training, or accredited instruction. Completion of any Academy courses, tutorials, or materials does not qualify you as a financial professional, trader, or investment advisor.

3. No Guarantee of Results: Fintopio makes no representations or warranties regarding the outcomes of applying information learned through the Academy. Past performance examples, case studies, or success stories shared in Academy materials are not indicative of future results.

4. Content Accuracy: While we strive to ensure Academy content is accurate and current, the cryptocurrency industry evolves rapidly. Information may become outdated, and users should verify all information independently before application.

5. Practice vs. Reality: Any simulations, practice environments, or demo features provided through the Academy do not replicate real market conditions. Real cryptocurrency trading and transactions involve significant risks not present in educational simulations.

6. Third-Party Strategies: Any trading strategies, methodologies, or techniques discussed in Academy content are for educational purposes only. Fintopio does not endorse any particular trading strategy and is not responsible for losses resulting from their application.

7. Academy Access: Fintopio reserves the right to modify, suspend, or terminate Academy access or content at any time without notice. We are not liable for any inconvenience or loss resulting from such changes.

8. Academy Usage: You agree to: (i) Use Academy content solely for personal educational purposes, (ii) Not reproduce, distribute, or sell Academy content without permission, (iii) Not misrepresent your knowledge or qualifications based on Academy participation, (iv) Verify all information independently before making financial decisions

RISK DISCLOSURE

Virtual assets are subject to extreme price volatility, technological risks, regulatory uncertainty, and market manipulation. The value of cryptocurrencies can fluctuate dramatically and may result in significant or total loss of invested capital. Cryptocurrency regulations vary by jurisdiction and are subject to change without notice. Users are solely responsible for complying with all applicable laws and regulations in their jurisdiction. For more information, refer to our Risk Disclosure Statement on our website. 

ACCURACY AND COMPLETENESS

While we strive to provide accurate and up-to-date information, Fintopio makes no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the Website, Academy, or the Content. The Website may contain technical inaccuracies, typographical errors, or outdated information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information at any time without prior notice.

THIRD-PARTY CONTENT AND LINKS

The Website may contain links to third-party websites, services, or content that are not owned or controlled by Fintopio. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services. The inclusion of any links does not imply endorsement, approval, or recommendation by Fintopio. You acknowledge and agree that Fintopio shall not be responsible or liable for any damage or loss caused by or in connection with the use of any third-party content or services.

INTELLECTUAL PROPERTY

All Content on the Website and Academy, including text, graphics, logos, images, audio clips, digital downloads, course materials, and software, is the property of Fintopio or its content suppliers and is protected by international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise use any Content without our prior written permission.

BY USING THIS WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THIS DISCLAIMER IN ITS ENTIRETY.