Terms and Conditions

 
 
 

Last updated: 6 August 2026

1. Introduction

This Website is owned and operated by Finro Limited (“Finro,” “we,” “us,” or “our”), a private limited company incorporated in Malta. Our full company and contact details are available in our Legal Notice (Impressum).

By accessing or using the Website, purchasing a product, or engaging any service, you confirm that you have read, understood, and agree to these Terms. If you do not agree, you should not use the Website or purchase any product or service.

This Website is owned and operated by Finro Limited (“Finro,” “we,” “us,” or “our”), a private limited company incorporated in Malta.

These Terms form a legally binding agreement between Finro Limited and you (“you,” “your,” or the “User”). We may update these Terms from time to time. The version published on this page applies to future purchases from the date shown above.

2. Purpose of the Website

The Website provides information about Finro and its services in startup valuation, financial modeling, due diligence, M&A advisory, research, educational content, and digital products.

Nothing on the Website constitutes an offer to provide services except where expressly stated.

3. No Financial, Investment, or Professional Advice

Unless expressly agreed as part of a purchased advisory engagement, all information available on the Website, including articles, research, downloads, and digital products, is provided for general informational and educational purposes only.

Nothing on the Website constitutes:

  • investment advice;

  • legal advice;

  • tax advice;

  • accounting advice;

  • an offer to buy or sell securities; or

  • a recommendation regarding any investment or commercial decision.

You should obtain advice from appropriately qualified professionals before making financial, legal, tax, or investment decisions.

4. Digital Products and Advisory Services

Finro offers both digital products and professional advisory services.

Digital products, including valuation datasets, templates, and spreadsheets, are supplied electronically and licensed in accordance with these Terms.

Professional advisory services, including valuation engagements, financial modeling, due diligence, and Investor Readiness Reviews, are governed by these Terms together with any applicable:

  • service-specific terms;

  • proposal;

  • engagement letter;

  • scope of work; or

  • service page.

Where there is any conflict between these Terms and service-specific terms, the service-specific terms shall prevail for that engagement.

5. Digital Product Licence

Unless stated otherwise at the time of purchase, digital products are licensed on a single-user, non-exclusive, non-transferable basis.

You may use purchased products for your own internal business purposes and client work, provided Finro is acknowledged as the source where appropriate.

You may not:

  • resell;

  • redistribute;

  • sublicense;

  • publish; or

  • commercially exploit

the products or substantial portions of their contents without Finro’s prior written permission.

Team and enterprise licences are available on request.

6. Pricing and Payment

Prices are shown on the relevant product or service page or within an accepted quotation.

Prices may change at any time but will not affect completed purchases.

Payments are processed through Stripe or another payment provider selected by Finro.

Unless expressly stated otherwise, applicable taxes, VAT, bank charges, currency conversion costs, and payment processing fees remain the responsibility of the purchaser.

7. Delivery

Digital products are delivered electronically after successful payment.

If you experience difficulty accessing your purchase, please contact info@finrofca.com.

Professional advisory services are delivered in accordance with the delivery timelines described in the applicable service-specific terms, proposal, or scope of work.

8. Consumer Cancellation Rights and Refunds

Consumers within the European Union or European Economic Area may have statutory rights of withdrawal under applicable consumer protection legislation.

For digital products supplied immediately after purchase, the statutory withdrawal right is lost once performance begins following your prior express consent and acknowledgment, where permitted by law.

Accordingly, downloaded digital products are generally non-refundable.

For professional advisory services, cancellation rights, refund policies, and any service-specific guarantees are governed by the applicable service-specific terms in addition to these Terms.

Nothing in this section limits any mandatory statutory rights available under applicable law.

9. Intellectual Property

All Website content, digital products, reports, methodologies, financial models, review memoranda, templates, datasets, graphics, written analyses, software, and research remain the intellectual property of Finro Limited or its licensors unless otherwise stated.

Except for the licences expressly granted under these Terms, no intellectual property rights are transferred to you.

10. Confidentiality

Finro treats confidential information received from clients as confidential and uses it solely for providing services, administering engagements, complying with legal obligations, and protecting legitimate business interests.

Where necessary to provide services, Finro may use trusted technology providers, payment providers, communication platforms, cloud storage providers, and professional advisers who are subject to appropriate confidentiality obligations.

Additional confidentiality obligations may apply under service-specific agreements.

11. Privacy

Personal data is processed in accordance with our Privacy Policy and applicable data protection legislation, including the General Data Protection Regulation (GDPR), where applicable.

Please review our Privacy Policy before using the Website or purchasing any product or service.

12. Force Majeure

Finro shall not be responsible for delays or failure to perform obligations resulting from events beyond its reasonable control, including natural disasters, internet or telecommunications failures, cyber incidents, governmental actions, illness, labour disputes, or other unforeseen events.

Where reasonably possible, affected clients will be informed of any material delay.

13. Limitation of Liability

To the fullest extent permitted by applicable law, Finro shall not be liable for any indirect, incidental, consequential, special, or investment-related loss, including loss of profit, revenue, funding opportunities, anticipated savings, business interruption, or loss arising from decisions made by third parties.

Nothing in these Terms excludes or limits liability that cannot legally be excluded under applicable law.

Where liability cannot be excluded, it shall be limited to the maximum extent permitted by law.

14. Governing Law and Jurisdiction

These Terms are governed by the laws of Malta.

Subject to any mandatory consumer protection rights applicable under law, the courts of Malta shall have exclusive jurisdiction over disputes arising from these Terms or your use of the Website, products, or services.

15. Order of Precedence

These Terms apply generally to all products and services offered through the Website.

Where a product or service is accompanied by service-specific terms, an engagement letter, proposal, or scope of work, those documents supplement these Terms.

If any inconsistency exists, the service-specific terms shall prevail for that particular engagement.

Mandatory statutory rights remain unaffected.

16. Changes to these Terms

Finro may update these Terms from time to time to reflect changes in its services, business practices, or legal requirements.

The version published at the time of purchase applies to that purchase unless otherwise required by law.

17. Contact

If you have any questions regarding these Terms, please contact:

Finro Financial Consulting

Email: info@finrofca.com

Please also refer to our Legal Notice for additional company information.