Terms of Service

Welcome to HiFinance.ai (the “Service”). These Terms of Service (the “Terms”) apply when you access, view, or use the Service via our website located at https://hifinance.ai (the “Site”), including any related mobile or web applications. Throughout these Terms, HiFinance.ai may be referred to as “Hi Finance,” “we,” “us,” or “our.” The terms “you,” and “your” refer to the individual user of the Service, and if you are under the age of majority in your jurisdiction, the terms also include your parent or legal guardian.

Please read these Terms carefully. By accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must discontinue using the Service immediately.

1. Jurisdiction and Governing Law

This agreement is governed by the laws of Canada and, where applicable, your province or territory of residence, without regard to conflict of law provisions. For users in the United States, you also agree to comply with all applicable U.S. federal and state laws. By using the Service, you consent to the personal jurisdiction of the courts located in Canada and/or the United States (as applicable) for any legal disputes relating to these Terms.

2. Privacy Policy

We respect the privacy of our users. Please refer to our Privacy Policy for information on how we collect, use, disclose, and protect your personal information. By using the Service, you acknowledge that you have read and understand our Privacy Policy.

In particular, we do not sell or rent your email address to any third parties, nor do we send spam or unauthorized marketing emails. For full details, see our Privacy Policy’s “No Spam & No Email Selling” section.

3. Service Description

The Service provides AI-powered interview preparation tools for finance professionals, including practice interviews, feedback systems, and interactive learning tools. All content and services are provided “as is” without warranty of any kind. We do not guarantee the accuracy, completeness, or usefulness of any information provided through the Service, including AI-generated content.

4. User Eligibility

You must be of legal age in your jurisdiction to form a binding contract. In most Canadian provinces and territories, this is the age of majority. In the United States, you must be at least 18 years old to use the Service. If you are under the required age, your parent or legal guardian must agree to these Terms on your behalf. By using the Service, you represent and warrant that you meet these eligibility requirements.

5. Account Registration and Security

You may be required to create an account to access certain features of the Service. You agree to provide accurate, current, and complete information when creating your account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must promptly notify us at help@hifinance.ai if you suspect any unauthorized use of your account.

6. Acceptable Use

By using the Service, you agree that you will not:

• Use the Service in any manner that violates any applicable law or regulation;
• Engage in any activity that disrupts or interferes with the Service, including any servers or networks connected to the Service;
• Use the Service to transmit any malicious code, viruses, or harmful data;
• Circumvent or attempt to circumvent any content filtering techniques we may employ;
• Attempt to gain unauthorized access to any part of the Service, user accounts, computer systems, or networks;
• Reproduce, duplicate, copy, sell, or resell any portion of the Service without our express written permission.

We reserve the right to terminate or suspend your account if we determine, in our sole discretion, that you have violated these Terms or any applicable law.

7. Subscription and Billing

Certain features of the Service may be provided on a subscription basis. Prices for subscription plans are listed in USD or as otherwise indicated at the time of purchase. By purchasing a subscription, you authorize us to charge the designated payment method at the applicable subscription rate (including any recurring charges). Subscriptions will renew automatically unless canceled. You may cancel your subscription at any time through your account settings or by contacting help@hifinance.ai at least 24 hours before the renewal date. Cancellation requests will take effect at the end of the current billing cycle. All fees are non-refundable unless otherwise stated in writing.

8. Data Storage and Protection

Your data is stored on secure servers located in Canada and/or the United States, depending on our operational requirements and the service providers we use. We comply with applicable data protection laws, including Canada’s PIPEDA and, where applicable, relevant U.S. federal and state regulations. For more information on how we handle your data, please review our Privacy Policy.

9. Intellectual Property

All content and materials available through the Service, including but not limited to text, graphics, user interfaces, trademarks, logos, and AI-generated content (collectively,“Materials”), are protected by applicable intellectual property laws of Canada, the United States, and other jurisdictions. You agree not to reproduce, modify, distribute, or create derivative works of the Materials without our prior written consent. Any unauthorized use of the Materials may violate these Terms, and applicable laws, and may result in the suspension or termination of your right to use the Service.

10. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, WE DISCLAIM ANY AND ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

11. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL HI FINANCE, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, THAT RESULT FROM THE USE OF, OR INABILITY TO USE, THIS SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE SIX (6) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO SUCH LIABILITY. THE LIMITATIONS IN THIS SECTION SHALL APPLY EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

12. Indemnification

You agree to indemnify, defend, and hold harmless Hi Finance, its affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, or expenses (including reasonable attorneys’ fees and costs) arising out of or in any way connected with your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

13. Termination

We may, in our sole discretion, terminate or suspend your access to the Service at any time, with or without notice, if you breach these Terms, violate any applicable law, or if we otherwise deem such action necessary to protect our interests or the interests of others. Upon termination, your right to use the Service will immediately cease. You may also choose to discontinue using the Service at any time by deactivating your account, if applicable.

14. Modifications

We reserve the right to modify or discontinue, temporarily or permanently, the Service (or any part thereof) with or without notice. We may also revise these Terms from time to time. If we make material changes, we will provide notice by updating the “Last Updated” date at the top of these Terms or by other means. Your continued use of the Service after any such changes indicates your acceptance of the revised Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

16. Entire Agreement

These Terms, together with our Privacy Policy and any other agreements or policies expressly incorporated by reference, constitute the entire agreement between you and Hi Finance regarding the use of the Service, superseding any prior or contemporaneous agreements, communications, or understandings, whether written or oral.

17. Contact Information

If you have any questions or concerns regarding these Terms, please contact us at:
Email: help@hifinance.ai