FinCamp

Terms of Use

Effective date: 28 July 2026 · Last updated: 28 July 2026

Important financial and AI notice. FinCamp is an educational product. It is not a broker, investment adviser, portfolio manager, financial planner, exchange, custodian, bank, or trading platform. FinCamp does not provide investment, legal, tax, accounting, or other professional advice. Virtual trading uses simulated funds only. AI-generated content may be inaccurate, incomplete, outdated, fabricated, inconsistent, or misleading and must not be relied upon to make a real-world investment decision.

These Terms of Use (“Terms”) form a legally binding agreement between you and FABERA YAZILIM HİZMETLERİ ANONİM ŞİRKETİ (“Fabera”, “we”, “us”, or “our”) regarding your access to and use of the FinCamp mobile application, websites, content, subscriptions, virtual portfolio, AI Research features, and related services (collectively, the “Service”).

Our registered address is UTKU MAH, ÇİMENTEPE_1 CAD, NO:49/18, 45000 ŞEHZADELER/MANİSA, Türkiye. You may contact us at support@fabera.ai.

By downloading, accessing, purchasing, or using the Service, you confirm that you have read, understood, and agreed to these Terms. Our Privacy Policy is a notice describing how personal data is processed; it is not part of these Terms and reading it is not consent to data processing. Where consent is legally required, we request it separately. If you do not agree to these Terms, do not use the Service.

1. Eligibility and legal capacity

You must be at least 16 years old and not be prohibited from using the Service under applicable law. If you are under 18 or have not reached the age of legal majority where you live, you may use FinCamp only with the permission of a parent or legal guardian. Your parent or legal guardian is responsible for supervising your use of FinCamp and approving any purchases you make.

You are responsible for ensuring that use of the Service is lawful in your jurisdiction. We may restrict availability by territory, device, operating-system version, language, or other legitimate operational or legal criteria.

2. What FinCamp provides

FinCamp provides educational lessons, quizzes, fictional rewards, market-learning tools, a virtual portfolio or paper-trading environment, market information, and automatically generated AI Research reports. “AI Research” is a product feature name only; it does not mean regulated investment research, an analyst report, a recommendation, or professional advice. Features may be free, subscription-only, experimental, unavailable in some regions, or changed over time.

The Service does not open or connect to a brokerage account, accept deposits, hold money or securities, execute real trades, manage a portfolio, transmit orders, guarantee access to any market, or provide any regulated financial service. Virtual balances, rewards, positions, gains, and losses shown in FinCamp have no cash value and cannot be withdrawn, redeemed, transferred, or exchanged.

3. Educational nature; no financial advice or regulated activity

All lessons, examples, quizzes, company information, charts, rankings, scenarios, price ranges, alerts, explanations, AI outputs, virtual transactions, and other content are provided solely for general informational, educational, and entertainment purposes.

Nothing in the Service is, or should be understood as:

Fabera is not acting as an investment adviser, broker-dealer, portfolio manager, financial planner, research analyst, exchange, bank, custodian, or other regulated financial institution through FinCamp. In particular, Fabera does not receive or transmit orders, provide personalised investment recommendations or suitability assessments, manage portfolios, hold client assets, or provide payment or electronic-money services through FinCamp. The Service is not presented as being registered, licensed, approved, supervised, or insured as such. No deposit-protection, investor-compensation, brokerage-insurance, or similar regulatory protection applies to virtual funds, virtual positions, or educational content.

You must obtain advice from appropriately qualified and authorised professionals and independently verify information before making any real financial decision.

4. Virtual portfolio and paper trading

The virtual portfolio is a learning simulation. It uses fictional funds and records hypothetical transactions only. It does not execute, route, settle, clear, or create any real transaction, ownership interest, entitlement, debt, return, or legal claim.

Simulated prices and results may differ materially from real trading. The simulation may omit or simplify spreads, slippage, liquidity, order priority, partial fills, price impact, trading halts, market hours, foreign-exchange movements, taxes, fees, commissions, dividends, distributions, corporate actions, borrowing costs, margin requirements, counterparty risk, latency, and other real-world conditions.

Past, hypothetical, back-tested, or simulated performance is not indicative of future or actual results. A successful virtual transaction does not mean the same transaction could have been executed, or would have been profitable, in a real account. You acquire no right to any displayed virtual profit, reward, balance, or position.

5. AI Research and automatically generated content

Some FinCamp content is generated, translated, classified, summarised, or assisted by artificial intelligence systems, including third-party large language models, search tools, market-data providers, and automated validation systems (“AI Content”). AI Research reports are produced automatically from market inputs and publicly available or third-party information. They are not personalised for you and may not have been reviewed or verified by any person before they are displayed. They are not approved by a human financial professional.

5.1 Known limitations of AI Content

Generative AI is probabilistic and non-deterministic. The same or similar inputs may produce different outputs at different times. Fabera cannot fully predict, explain, supervise, or control the behaviour, training data, internal reasoning, availability, or output of third-party AI models and related services. Providers may change their models, policies, data, or systems without notice.

AI Content may hallucinate or fabricate facts, quotations, sources, events, explanations, numbers, relationships, dates, price levels, or conclusions. It may also omit important information, confuse entities or securities, use stale information, mistranslate content, repeat common misconceptions, reflect bias, misinterpret market data, contradict itself, or present uncertain information with unjustified confidence. Automated filters, schemas, calculations, source restrictions, and validation checks can reduce certain errors but cannot detect or prevent every error.

AI Content may be similar or identical to content generated for another person or to third-party material. It may be inappropriate, offensive, biased, infringing, or unlawful to use in a particular context. Fabera does not warrant that AI Content is original, unique, exclusive, non-infringing, or legally usable for any purpose.

5.2 Scenarios, likelihoods, price ranges, and key levels

Each displayed scenario likelihood or percentage is an AI-generated estimate produced for a particular inference round from limited inputs. It is not an empirical frequency, statistically calibrated probability, or statement that an outcome will occur. A later inference round may produce materially different scenarios, percentages, explanations, or ranges.

Any displayed “Price Target,” price range, trend, support or resistance level, risk factor, catalyst, horizon, or similar item is an AI-generated illustrative range for educational use only. It is not investment advice, a formal valuation or analyst price target, a forecast, trading signal, recommendation, guarantee, or offer to transact. Market conditions can change before or after the content is generated.

5.3 No reliance

You must treat AI Content as unverified and potentially wrong. You must not make or implement any real investment, trading, legal, tax, accounting, or other professional decision in whole or in part in reliance on AI Content. Consulting another source or combining AI Content with other information does not make it reliable or suitable for a real-world decision. You are solely responsible for checking primary sources, current market information, issuer disclosures, and advice from an appropriately qualified professional. To the fullest extent permitted by law, Fabera is not responsible for losses or decisions arising from reliance on AI Content.

6. Market data and third-party information

Prices, charts, fundamentals, company descriptions, news summaries, market status, timestamps, and other information may come from third parties, automated systems, cached responses, or public sources. Such information may be delayed, stale, incomplete, inaccurate, mistranslated, unavailable, adjusted differently, associated with the wrong instrument, or affected by outages and corrections. It may not reflect the consolidated, official, executable, or most recent market price.

Displayed timestamps indicate the age of the available data but do not guarantee accuracy or completeness. FinCamp is not a market-data terminal and its information is not suitable for execution, valuation, compliance, accounting, tax reporting, or time-sensitive trading. Fabera and its data providers do not warrant the sequence, accuracy, availability, timeliness, or completeness of any market information.

7. Your decisions and investment risk

All real-world financial decisions are yours alone and are made at your sole discretion and risk. Investing and trading involve substantial risk, including loss of some or all invested capital. Markets can be volatile, illiquid, suspended, manipulated, or unavailable. Diversification, educational knowledge, historical performance, simulated performance, or the use of AI does not eliminate risk or guarantee a result.

You acknowledge that you will not treat the Service as a substitute for your own research, independent judgment, current primary information, or advice from an authorised professional. Fabera has no duty to monitor your decisions, update you about changes, correct a report before you act, or warn you of every risk relevant to an asset or strategy.

8. Subscriptions, free trials, billing, cancellation, and refunds

Certain features require an auto-renewing subscription purchased through Apple’s App Store. The product, trial eligibility, trial duration, billing period, price, currency, renewal terms, and included features shown on the purchase screen at the time you subscribe form part of these Terms. Storefront prices are supplied by Apple and may vary by country, currency, tax, and pricing tier.

If Apple confirms that you are eligible for a free trial, you will not be charged during the stated trial period. Unless you cancel at least 24 hours before the trial or current subscription period ends, your subscription automatically converts to the displayed paid plan or renews for the next displayed period and continues to renew for the same billing period until cancelled. Apple charges the payment method associated with your Apple Account. Eligibility for introductory offers is determined by Apple and may be unavailable if you have previously used an offer or do not otherwise qualify.

You can manage or cancel an App Store subscription in your Apple Account subscription settings. Deleting FinCamp does not cancel a subscription. Cancellation normally takes effect at the end of the current paid period. Purchases, billing, cancellations, and refunds are processed under Apple’s applicable terms and refund procedures; Fabera does not receive or store your full payment-card details and cannot independently reverse an App Store charge.

You are responsible for reviewing your trial and renewal date and cancelling in time if you do not wish to be charged. Unless expressly required by applicable law or provided by Apple, Fabera does not promise a separate notification before a trial converts or a subscription renews. Any reminder is a convenience only; failure, delay, non-delivery, or disabled notification permission does not extend a trial or change Apple’s billing or cancellation terms.

Except where required by applicable law or granted by Apple, payments are non-refundable and no credit is provided for a partially used period. We may change subscription features or future prices. Any price change for an existing App Store subscription will be handled through Apple’s required notice or consent process.

9. Licence and acceptable use

For the App Store version of FinCamp, the licence to the application is granted and governed under Apple’s Standard End User License Agreement (“Standard EULA”). The acceptable-use restrictions below supplement that licence and govern your use of the Service. For any FinCamp software surface lawfully distributed outside the App Store, Fabera grants you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable licence to use the current version on devices you own or control for lawful, non-commercial purposes, subject to these Terms.

You must not, and must not assist another person to:

10. Intellectual property

The Service, software, interface, lessons, designs, artwork, audio, databases, selection and arrangement of content, trademarks, and other materials are owned by Fabera or its licensors and are protected by intellectual-property laws. Except for the limited licence above, no right or licence is granted to you.

If you voluntarily submit feedback or suggestions, you grant Fabera a worldwide, perpetual, irrevocable, royalty-free licence to use, reproduce, modify, distribute, and commercialise that feedback without restriction or compensation, provided this does not transfer ownership of your personal data or override the Privacy Policy.

If you believe content in the Service infringes intellectual-property, privacy, publicity, or personality rights, contact support@fabera.ai and identify the material, its location, the right concerned, the basis of your claim, and how we may contact you. We may investigate, restrict, correct, or remove content without admitting liability and may request information reasonably necessary to assess the notice.

11. Third-party services and links

The Service depends on or may link to Apple, subscription-management, cloud-hosting, attribution, market-data, search, AI-model, content, and other third-party services. Their products, content, availability, security, and data practices are controlled by them and governed by their own terms. A link, integration, citation, or data display does not constitute our endorsement.

You must comply with the terms that apply to your device, App Store account, network, data plan, and any third-party service you use with FinCamp. You are responsible for any internet, mobile-data, roaming, device, or other third-party charges.

To the fullest extent permitted by law, Fabera is not responsible for third-party acts, omissions, outages, model changes, data errors, security incidents, pricing, terms, content, or discontinuation. Third-party services may become unavailable or change in a way that affects FinCamp without notice.

12. Service availability, updates, and modifications

The Service may be interrupted, delayed, restricted, changed, suspended, or discontinued for maintenance, security, legal, commercial, provider, capacity, or other reasons. We do not promise that any feature, report, lesson, company, security, asset, language, price, or data source will remain available. You may need to install updates to continue using the Service.

We may set usage limits, replace providers or models, correct or remove content, change virtual balances or game mechanics, and modify free or paid features. Virtual progress and local data may be lost because of deletion, device failure, operating-system behaviour, corruption, or other causes. You are responsible for maintaining the security and compatibility of your device, operating system, Apple Account, network, credentials, and access. We may decline to support jailbroken, rooted, modified, compromised, or unsupported devices. No system is completely secure, and device- or network-originated failures may affect the Service.

Except where applicable law requires otherwise, Fabera is not required to provide an update or continue supporting an earlier version and may require a current supported version to use some or all of the Service.

Subject to mandatory rights, we will not materially reduce the core paid access promised for a current paid period except where reasonably required for security, law, loss or material change of a provider, or service integrity. Any replacement, credit, refund, or paid-access remedy required by Apple or applicable law remains available.

13. Events beyond our reasonable control

To the extent permitted by law, Fabera is not in breach of these Terms and is not liable for delay, interruption, or failure caused by events beyond its reasonable control, including internet, telecommunications, cloud, power, market, exchange, market-data, AI-provider, or App Store failures; cyberattacks; natural disasters; epidemics; war; civil disorder; labour disputes; sanctions; or governmental, judicial, or regulatory action. We will take commercially reasonable steps to reduce avoidable disruption where practicable. This section does not remove mandatory consumer rights, data-security obligations, or any refund or paid-access remedy required by Apple or applicable law.

14. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT, AI CONTENT, MARKET DATA, SIMULATIONS, AND THIRD-PARTY MATERIALS ARE PROVIDED “AS IS”, “AS AVAILABLE”, AND “WITH ALL FAULTS”, AT YOUR SOLE RISK.

Fabera and its affiliates, directors, officers, employees, contractors, licensors, and providers disclaim all express, implied, statutory, and other warranties, including merchantability, fitness for a particular purpose, title, non-infringement, accuracy, completeness, timeliness, reliability, availability, security, uninterrupted operation, error-free operation, and results. We do not warrant that defects will be corrected, that outputs will be unique or reproducible, that content will meet your expectations, or that use of the Service will produce any educational, financial, professional, or other outcome.

No oral or written statement, information, or assistance provided by Fabera, its support personnel, or another representative creates a warranty or modifies these Terms unless it is contained in an express written amendment issued by Fabera.

Nothing in these Terms excludes a warranty or consumer right that cannot lawfully be excluded.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FABERA AND ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, CONTRACTORS, LICENSORS, AND PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF PROFITS, REVENUE, SAVINGS, OPPORTUNITY, GOODWILL, BUSINESS, DATA, OR USE; INVESTMENT OR TRADING LOSS; LOSS ARISING FROM MARKET MOVEMENTS; OR COST OF SUBSTITUTE SERVICES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY, EVEN IF ADVISED THAT SUCH LOSS WAS POSSIBLE.

This exclusion includes, without limitation, loss arising from or relating to:

To the maximum extent permitted by law, the combined total aggregate liability of Fabera and its affiliates, directors, officers, employees, contractors, licensors, and providers arising out of or relating to the Service or these Terms will not exceed the total subscription fees actually paid by you to access FinCamp during the 12 months immediately preceding the event giving rise to the claim. The limitations apply collectively to all protected parties and all claims, do not permit duplicate recovery for the same loss, and apply even if a remedy fails of its essential purpose.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited, including liability arising from fraud, wilful misconduct, gross negligence where it cannot be excluded, death or personal injury caused by negligence where applicable, or mandatory consumer rights. Your jurisdiction may not permit some exclusions, in which case they apply only to the greatest extent legally permitted.

16. Indemnity

To the extent permitted by applicable law, you agree to indemnify and hold harmless Fabera and its affiliates, directors, officers, employees, contractors, licensors, and providers from third-party claims, liabilities, losses, damages, judgments, penalties, and reasonable legal costs arising from your unlawful use of the Service, infringement of another person’s rights, breach of these Terms, misuse or redistribution of content, or use of FinCamp to provide unauthorised financial or other professional services. This section does not require a consumer to indemnify Fabera for Fabera’s own unlawful conduct.

Where this section applies, Fabera will give reasonable notice of the claim. Subject to applicable law, Fabera may control the defence and settlement, and you must provide reasonable cooperation. You may not settle a claim in a way that admits liability by or imposes an obligation on a protected party without Fabera’s prior written consent.

17. Suspension and termination

You may stop using the Service at any time. Stopping use or deleting the app does not cancel an active subscription. We may suspend, restrict, or terminate access, remove content, or discontinue the Service where reasonably necessary because of a breach, suspected fraud, security risk, legal requirement, provider restriction, non-payment, misuse, or discontinuation of the Service.

On termination, the licence granted to you ends and you must stop using the Service. Provisions concerning educational limitations, AI and market-data risk, intellectual property, disclaimers, liability, indemnity, dispute resolution, and any provisions that by nature should survive will remain effective. A lawful suspension or termination does not affect accrued rights or remedies and does not create a refund except where Apple or applicable law requires one.

18. Governing law and dispute resolution

These Terms and any non-contractual obligations arising from them are governed by the laws of the Republic of Türkiye, without regard to conflict-of-law rules.

Before filing a claim, you and Fabera agree to make a good-faith effort to resolve the dispute by written notice describing the issue and requested remedy, unless applicable law permits immediate recourse or a limitation period would be affected. Notices to Fabera must be sent to support@fabera.ai. If the dispute is not resolved within 30 days, either party may pursue available legal remedies.

For disputes not subject to mandatory consumer jurisdiction, the courts and enforcement offices of Manisa, Türkiye have exclusive jurisdiction. If you are a consumer, nothing in these Terms removes rights or venues available under mandatory consumer-protection law, including Law No. 6502 on Consumer Protection and access, where applicable, to competent Consumer Arbitration Committees, Consumer Courts, or courts in your place of residence. Consumers in the EEA, United Kingdom, Switzerland, or another protected jurisdiction retain mandatory rights under the laws of their habitual residence.

19. Apple-specific terms

Apple’s Standard End User License Agreement applies to the licence for the App Store version of FinCamp. These Terms are supplemental service terms governing FinCamp’s subscriptions, educational content, simulations, AI Research, market data, acceptable use, and related services. They are not a Custom EULA. If these Terms conflict with Apple’s mandatory Usage Rules or Standard EULA on an app-licence matter, those Apple terms control to the extent of that conflict.

If you download FinCamp from Apple’s App Store, you acknowledge that these Terms are between you and Fabera, not Apple. Fabera, not Apple, is solely responsible for the Service and its content, subject to these Terms and applicable law. Your use must comply with Apple’s Usage Rules and all other applicable third-party terms.

Fabera is solely responsible for providing maintenance and support required under these Terms or applicable law. Apple has no obligation to provide maintenance or support. Fabera is also solely responsible for any product warranty that cannot lawfully be disclaimed. If the app fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app, if any; to the maximum extent permitted by law, Apple has no other warranty obligation. Any other claim, loss, liability, damage, cost, or expense attributable to a failure to conform to a warranty is Fabera’s responsibility to the extent required by applicable law.

Fabera, not Apple, is responsible for addressing claims by you or a third party relating to the app or your possession or use of it, including product-liability claims, claims that the app fails to meet legal or regulatory requirements, and claims under consumer-protection, privacy, or similar law. If a third party claims that the app or your possession or use of it infringes intellectual property rights, Fabera, not Apple, is solely responsible for investigating, defending, settling, and discharging that claim.

You represent and warrant that you are not located in a country subject to a United States Government embargo or designated by the United States Government as a “terrorist supporting” country, and that you are not listed on any United States Government list of prohibited or restricted parties.

20. Changes to these Terms

We may update these Terms to reflect changes in the Service, providers, law, security, or business operations. The “Last updated” date identifies the current version. Where required, we will provide reasonable notice of material changes. Changes apply prospectively when posted or on a later date stated in the notice and do not remove rights that accrued before they became effective. If you do not agree to revised Terms, you must stop using the Service and cancel any subscription before its next renewal. A change to these Terms does not by itself permit us to materially reduce the core paid access promised for a current paid period or remove any remedy required by Apple or applicable law.

21. General provisions and contact

If any provision is held invalid or unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain effective. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a reorganisation, merger, acquisition, financing, or sale of assets, subject to applicable law. These Terms, the purchase disclosures shown at checkout, and—solely for the App Store application licence—Apple’s Standard EULA constitute the applicable agreement governing the Service and replace prior statements about the same subject. Section headings are for convenience only. These Terms create no third-party beneficiary rights. The Privacy Policy is a separate notice and does not become a contract or consent merely by being linked from these Terms.

Questions about these Terms may be sent to:

FABERA YAZILIM HİZMETLERİ ANONİM ŞİRKETİ
UTKU MAH, ÇİMENTEPE_1 CAD, NO:49/18
45000 ŞEHZADELER/MANİSA, Türkiye
support@fabera.ai