Terms and Conditions
Last updated: 11 June 2026
1. Introduction
These Terms and Conditions ("Terms") govern your access to and use of the Finro Financial Consulting website at finrofca.com ("Website") and any digital products or services you purchase or access through it. By accessing or using the Website, or by completing a purchase, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you must not use the Website.
This Website is owned and operated by Finro Limited ("Finro," "we," "us," or "our"), a private limited company registered in Malta. Our full company and contact details are set out in our Legal Notice. These Terms form a legally binding agreement between Finro Limited and you ("you" or the "User"). We may amend these Terms from time to time, and the version in force is the one published on this page.
2. Purpose of the website
The Website provides information about Finro and our services in startup valuation, financial modeling, and M&A advisory, along with articles, research, and digital products offered for sale.
3. No financial, investment, or professional advice
The content on this Website and within any digital product is provided for general informational and educational purposes only. It does not constitute investment, financial, legal, or tax advice, a recommendation regarding any security or course of action, or any other professional advice.
Finro makes no representation, warranty, or guarantee as to the accuracy, completeness, timeliness, or suitability of any information, and accepts no liability for any loss or damage arising from your use of or reliance on it. You should conduct your own due diligence and obtain advice from a qualified, registered professional before making any decision. Our full disclaimer is set out in our Legal Notice.
4. Digital products and licence
Digital products sold on the Website, including datasets and templates, are delivered as Microsoft Excel files or similar formats and are provided "as is." They are not official valuations, financial forecasts, or due diligence material, are not signed by Finro, and do not replace independent professional advice.
Unless stated otherwise at the point of sale, each purchase grants you a single-user, non-exclusive, non-transferable licence to use the product for your own internal and client-facing work, provided Finro is credited as the data source. You may not resell, redistribute, sublicense, or publish the product or substantial extracts from it. Team or firm-wide licences are available on request at info@finrofca.com.
5. Pricing and payment
Prices are shown on the relevant product page and may change at any time, though changes do not affect purchases already completed. Payment is processed by our payment provider, Stripe. Depending on your location, VAT or other taxes may apply and will be shown or added at checkout.
6. Delivery
Digital products are delivered electronically. After your payment is confirmed, you are redirected to a download page, and a download link is also included in your confirmation. If you have any difficulty accessing your purchase, contact info@finrofca.com and we will resolve it promptly.
7. Right of withdrawal and refunds
Where you purchase as a consumer in the EU or EEA, you normally have a 14-day right to withdraw from a distance contract. For digital content supplied immediately, this right is lost once performance has begun with your prior express consent and your acknowledgment that you thereby lose the right of withdrawal. By purchasing a digital product and proceeding to download, you expressly request immediate delivery, consent to it, and acknowledge that you lose the 14-day right of withdrawal once the download has begun.
Accordingly, digital products are non-refundable once downloaded. For clarity, the following do not qualify for a refund:
Purchasing the wrong product by mistake. A confirmation note is shown at checkout before purchase.
Deciding you do not like the product after purchase.
Changing your mind after purchase.
The product behaving differently in applications other than Microsoft Excel. Files are designed for Excel and also open in Google Sheets and Numbers, but may render differently elsewhere.
If you want to confirm a product fits your use case before buying, contact info@finrofca.com or use the Contact page and we will answer specific questions. Nothing in this section affects mandatory consumer rights that cannot be excluded under applicable law, for example where a product is faulty or not as described.
8. Intellectual property
All content on the Website and in our digital products, including text, data, datasets, templates, graphics, and design, is owned by Finro Limited or its licensors and is protected by intellectual property law. Except for the licence granted in section 4, you may not copy, reproduce, distribute, or create derivative works from our content without our prior written consent.
9. Privacy
We process personal data in accordance with our Privacy Policy, which explains what we collect, how we use it, and your rights. Please review it before using the Website.
10. Limitation of liability
To the fullest extent permitted by law, Finro is not liable for any indirect, incidental, or consequential loss, or any loss of profit, revenue, or data, arising from your use of the Website or any product obtained through it. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law.
11. Governing law and jurisdiction
These Terms are governed by the laws of Malta, and the courts of Malta have jurisdiction over any dispute, without prejudice to any mandatory consumer protections available to you in your country of residence.
12. Changes to these Terms
We may update these Terms from time to time to reflect changes in our services or legal requirements. The current version is always available on this page, with the date of the last update shown above.
13. Contact
For any question about these Terms, contact us at info@finrofca.com.