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Terms of use

Last Updated: [04 February 2026]

1. Introduction

Welcome to Fincul.com (“we”, “us”, “our”, “the Website”). These Terms of Use govern your access to and use of our website at https://fincul.com, including any content, functionality, and services offered.

By accessing or using our Website, you accept and agree to be bound by these Terms. If you do not agree, please do not use our Website.

Fincul.com is operated by:

Preme Agency
D. Lehmann

Xantus Janos utca 240
7555 Csokonyavisonta
Hungary
Tax Number: 90706176-1-34
Email: contact@fincul.com

2. Intellectual Property and Copyright

2.1 Our Content

All content published on Fincul.com—including but not limited to articles, images, graphics, logos, videos, audio, and multimedia—is the property of Preme Agency or its licensors and is protected by international copyright, trademark, and other intellectual property laws.

2.2 Permitted Use

You may:

  • View, read, and share links to our content for personal, non-commercial purposes
  • Quote brief excerpts (up to 100 words) with proper attribution and a link to the source

2.3 Prohibited Use

Without our prior written consent, you may not:

  • Reproduce, distribute, or republish our content in any form
  • Modify, adapt, or create derivative works
  • Use our content for commercial purposes
  • Remove or alter any copyright notices
  • Use automated systems to scrape or harvest content

2.4 AI Training and Licensing

Use of our content for training artificial intelligence models, machine learning systems, or similar technologies requires explicit written licensing agreement. For licensing enquiries, contact contact@fincul.com.

2.5 Third-Party Content

Where content is attributed to third-party authors or sources, copyright remains with the original creator. Such content is used with permission or under applicable licences.

Unauthorised use of our content may result in civil and criminal penalties.

3. General Disclaimer

3.1 Informational Purpose Only

The content on Fincul.com is provided for general informational and educational purposes only. It is not intended to constitute:

  • Professional financial, investment, or tax advice
  • Legal advice
  • A recommendation or endorsement of any investment, security, or strategy
  • An offer or solicitation to buy or sell any financial instrument

3.2 No Warranty

While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, regarding:

  • The accuracy, completeness, or reliability of any content
  • The suitability of any information for your particular circumstances
  • The availability or uninterrupted access to our Website

All content is provided “as is” and “as available” without warranty.

3.3 Your Responsibility

You are solely responsible for evaluating the accuracy, completeness, and usefulness of any information provided. Any reliance you place on our content is strictly at your own risk.

4. Investment and Financial Disclaimer

Important Notice for Readers

4.1 Risk Warning

All investments carry risk. The value of investments can go down as well as up, and you may receive back less than you originally invested. Past performance is not a reliable indicator of future results.

Specific risks include but are not limited to:

  • Cryptocurrency and digital assets: Highly volatile, speculative, and may result in total loss of capital
  • NFTs and tokenised assets: Illiquid markets, regulatory uncertainty, and potential for complete loss
  • Alternative investments: Limited liquidity, complex structures, and higher risk profiles
  • Art and collectibles: Subjective valuation, authenticity risks, and market fluctuation

4.2 Not Financial Advice

Nothing on this Website constitutes a personal recommendation or advice. We do not consider your individual financial situation, investment objectives, or risk tolerance. Before making any investment decision, you should:

  • Conduct your own independent research
  • Consult with a qualified financial adviser
  • Consider whether the investment is appropriate for your circumstances
  • Only invest money you can afford to lose

4.3 Regulatory Notice

Fincul.com is not registered with, authorised by, or regulated by any financial services authority including but not limited to:

  • The UK Financial Conduct Authority (FCA)
  • The US Securities and Exchange Commission (SEC)
  • The US Financial Industry Regulatory Authority (FINRA)
  • The European Securities and Markets Authority (ESMA)

The information provided should not be relied upon as a substitute for advice from an appropriately qualified professional.

4.4 Geographic Restrictions

Our content is not intended for distribution to, or use by, any person in any jurisdiction where such distribution or use would be contrary to local law or regulation. Users are responsible for compliance with applicable local laws.

4.5 Affiliate Disclosure

Some links on our Website may be affiliate links. If you click on these links and make a purchase, we may receive a commission at no additional cost to you. This does not influence our editorial content or opinions.

Featured companies, products, or services may have paid for placement or sponsorship. Any such arrangements will be disclosed within the relevant content.

5. Use of AI in Content Creation

Fincul.com utilises artificial intelligence tools to assist in content research, drafting, and creation. All AI-generated content undergoes:

  • Human editorial review and fact-checking
  • Editing for accuracy, tone, and quality
  • Verification of sources and claims

Our editorial team maintains final responsibility for all published content.

6. Limitation of Liability

To the fullest extent permitted by applicable law:

  • Preme Agency, its officers, directors, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, this Website or its content
  • This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses
  • Our total liability shall not exceed the amount you paid to access our services (if any)

This limitation applies whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

7. Third-Party Links

Our Website may contain links to third-party websites, products, or services. These links are provided for your convenience only. We do not:

  • Control or endorse these third-party sites
  • Guarantee the accuracy of their content
  • Accept responsibility for their privacy practices

You access third-party links at your own risk and should review their terms and privacy policies.

8. User Conduct

When using our Website, you agree not to:

  • Violate any applicable laws or regulations
  • Infringe upon the rights of others
  • Submit false, misleading, or fraudulent information
  • Upload malicious code, viruses, or harmful content
  • Attempt to gain unauthorised access to our systems
  • Interfere with the proper functioning of the Website
  • Use automated systems (bots, scrapers) without permission

9. Indemnification

You agree to indemnify, defend, and hold harmless Preme Agency and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including legal fees) arising from:

  • Your use of our Website
  • Your violation of these Terms
  • Your violation of any rights of a third party
  • Any content you submit or share through our Website

10. Modifications to Terms

We reserve the right to modify these Terms at any time. Changes become effective immediately upon posting. Your continued use of the Website after changes constitutes acceptance of the modified Terms.

We encourage you to review these Terms periodically.

11. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Hungary, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Hungary.

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

12. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in effect.

13. Entire Agreement

These Terms, together with our Privacy Policy and Imprint, constitute the entire agreement between you and Preme Agency regarding your use of Fincul.com.

14. Contact Information

For questions about these Terms, please contact us:

Email: contact@fincul.com
Contact Form: https://fincul.com/contact/
Postal Address:
Preme Agency, Daniela Lehmann
Xantus Janos utca 240
7555 Csokonyavisonta
Hungary

These Terms of Use were last reviewed and updated in February 2026.