The rules of using FinScroll

1. About FinScroll

FinScroll is an experimental web app exploring whether the doomscrolling habit can be redirected into financial-literacy learning. It's a portfolio project — free to use, with no paying customers and no business behind it. By using it you accept that this is a demo of an idea, not a polished consumer product.

2. Acceptance

By creating an account or using the service at finscroll.app, you agree to these Terms and our Privacy Policy. If you don't agree, please don't use the service.

3. Eligibility

You must be at least 13 years old to use FinScroll. If you're under the age of majority in your jurisdiction, please review these Terms with a parent or guardian before signing up.

4. Your account

You're responsible for keeping your sign-in credentials secure and for activity under your account. Don't share your account or use someone else's.

You can delete your account at any time from Account → Delete account. Deletion is permanent.

5. Educational content — NOT financial advice

FinScroll is an educational service. The concept cards, AI Coach responses, personalized impact numbers, and any videos surfaced inside the app are for general financial-literacy purposes only. They are not:

• Personalized investment, tax, or legal advice
• An offer or solicitation to buy or sell any security
• A recommendation to follow any specific financial strategy

The 30-year future-value calculations are simplified models based on assumed annual returns (8%) and opportunity-cost estimates (~$3/hr). Real-world returns vary and are never guaranteed. Always consult a licensed financial advisor before making real money decisions.

6. AI-generated content

The AI Coach uses Google's Gemini model with retrieval-augmented generation grounded in SEC publications and curated peer-reviewed economic research. Despite the grounding, AI can be wrong. Verify any AI-generated answer before acting on it.

7. Third-party content

Some cards embed videos from YouTube and link to publications hosted by third parties (SEC.gov, NBER, the Federal Reserve, academic journals, etc.). FinScroll doesn't control that content and isn't responsible for it. Each third party's terms apply when you click through.

8. Your notes

Notes you write inside the app stay yours. You grant FinScroll a limited, non-exclusive licence to store and display them back to you so the feature works. You can delete notes individually or by deleting your account.

9. Acceptable use

Please don't:

• Use FinScroll for any illegal purpose
• Try to access, scrape, or interfere with other users' accounts or data
• Reverse-engineer, decompile, or attempt to extract the source code or models
• Send abusive, harassing, or unlawful content through the AI Coach or notes
• Impersonate FinScroll or claim affiliation without permission

10. Service availability

As a portfolio project, FinScroll is provided “as is”and may go offline, lose data, change features, or shut down at any time without notice. We don't guarantee uptime or that any specific feature will continue to exist.

11. No warranty

To the fullest extent permitted by law, FinScroll is provided without warranties of any kind — express or implied — including warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't promise the service will be error-free, accurate, or secure.

12. Liability

This is a free portfolio project with no commercial relationship between us. To the fullest extent permitted by law, FinScroll and its operator are not liable for any damages — including loss of profits, data, or investment value — arising from your use of the service. You use the service at your own risk.

13. Termination

You may stop using FinScroll at any time by deleting your account. We may suspend or remove access if you breach these Terms, abuse the service, or use it in a way that creates legal or operational risk for us or other users.

14. Changes

We may update these Terms occasionally. Material changes will update the “Last updated” date above. Continued use after the change means you accept the new Terms.

15. Contact

Questions about these Terms? Use our contact form.