Terms of Use

By accessing or using MARFIN, you agree to these Terms of Use. If you do not agree, do not use the website or the service.

If you use MARFIN on behalf of a company, fund, advisory business, research desk, institution, or other organisation, you represent that you have authority to bind that organisation to these Terms.

Additional terms may apply to specific plans, trials, payment flows, API access, institutional access, or manually approved arrangements. If there is a conflict, the more specific written terms apply to that specific access.

MARFIN is a paid financial market analytics indicator that provides informational market regime, model-state, score, exposure-category, historical model, benchmark-context, and workflow-related data.

MARFIN outputs are impersonal model-based information. They are not based on your personal financial situation, objectives, portfolio, risk tolerance, tax position, legal restrictions, or investment needs.

MARFIN is not personalized investment advice, portfolio management, brokerage, custody, execution, a managed account, a discretionary investment service, or an offer to buy, sell, hold, hedge, allocate to, or avoid any security, fund, derivative, strategy, or market exposure.

Public website content may be delayed. Some features may only be available through Telegram, subscription plans, API access, or access granted on request.

MARFIN is operated from Estonia by OÜ MegagroupEU. The service is available only in jurisdictions where access to and use of MARFIN is lawful and does not require OÜ MegagroupEU to obtain a licence, registration, approval, or authorisation that it does not hold.

You are responsible for ensuring that your access to and use of MARFIN is lawful in your country, state, province, territory, or other jurisdiction.

You must not access or use MARFIN if doing so would be unlawful where you are located, resident, organised, operate, trade, invest, or provide services, or if receiving financial market analytics of this type requires authorisation that has not been obtained.

MARFIN is not directed at any person in any jurisdiction where publication, distribution, access, payment, subscription, communication, or use of the service would be contrary to applicable law or regulation.

We may restrict, suspend, or terminate access to MARFIN, refuse payments, cancel subscriptions, limit features, or block specific access methods for users, locations, payment methods, or use cases where we believe access may create legal, regulatory, sanctions, payment, abuse-prevention, or compliance risk.

Some features may require account verification, invitation, subscription, manual approval, or access through specific channels such as Telegram.

MARFIN may offer a delayed public experience, paid plans, time-limited trials, live model-state access, advanced workflow access, institutional access, and API access on request.

Plan scope, included features, data availability, delivery timing, usage limits, and access conditions may vary by product tier and may be updated from time to time.

Trial access, promotional access, or manually granted access may be limited, modified, or withdrawn at our discretion where this is necessary for product operation, abuse prevention, compliance, plan enforcement, or service changes.

Access to any plan does not imply that MARFIN is suitable for your circumstances or lawful for your use case or jurisdiction.

Where MARFIN is offered on a paid basis, pricing, billing frequency, and plan details will be shown at or before purchase.

By purchasing a paid plan, you agree to pay the applicable fees, taxes, and charges associated with the selected access level.

Unless stated otherwise at checkout, subscriptions may renew automatically until cancelled. You are responsible for reviewing plan details and managing subscription status before the next billing cycle.

We may change pricing, packaging, included features, or access conditions for future billing periods, subject to applicable law and reasonable notice where required.

Payment processing may be handled by third-party payment providers. Their own terms, privacy practices, payment flows, authentication requirements, and restrictions may apply.

You may cancel a subscription renewal in accordance with the cancellation tools, account flow, or support method made available for your plan.

Where consumer protection law applies, including in the European Union, you may have statutory rights relating to distance contracts, digital content, digital services, and withdrawal. Any mandatory rights you have under applicable law remain unaffected by these Terms.

If a paid digital service begins immediately at your request, and if applicable law permits a limitation or loss of the withdrawal right once performance has begun, the relevant checkout or order flow should make this clear before purchase.

If you have questions about cancellation, billing, or statutory withdrawal rights, contact us using the contact details provided in these Terms.

You agree not to:

• use MARFIN in a way that is unlawful, deceptive, abusive, or harmful to the service or other users;
• copy, scrape, reverse engineer, redistribute, resell, frame, or systematically extract content, model outputs, API data, or service materials beyond permitted use;
• attempt to bypass access controls, plan limits, security measures, payment restrictions, or technical restrictions;
• use MARFIN for spam, credential abuse, service disruption, automated harvesting, malicious traffic generation, or unauthorised integrations;
• misrepresent MARFIN outputs as guaranteed, personalized, suitable for a particular person, or professionally regulated investment advice;
• redistribute MARFIN outputs as your own financial advice, trading signal service, portfolio management service, or regulated investment service;
• use MARFIN in any jurisdiction or for any purpose where such use would require authorisation that has not been obtained.

MARFIN, including the website design, charts, text, framework descriptions, branding, model-state presentation, data presentation, workflow structure, Telegram workflows, API structure, and related materials, is protected by intellectual property and other applicable laws.

These Terms do not transfer ownership of MARFIN or any related rights to you. We grant only a limited, revocable, non-exclusive, non-transferable right to use the service in accordance with your selected access level and these Terms.

You may not use MARFIN branding, screenshots, outputs, charts, model-state data, or service materials in a way that implies endorsement, partnership, regulated advice, guaranteed results, or official authorisation unless we have agreed to this in writing.

Investing and trading involve risk of loss. Losses may be substantial, especially where leverage, margin, options, futures, derivatives, concentrated exposure, or volatile markets are involved.

MARFIN does not guarantee profit, reduced losses, smoother performance, improved timing, successful capital preservation, or better results than any benchmark, strategy, instrument, or market exposure.

You should read the Risk Disclosure before using MARFIN in connection with any investment, trading, hedging, portfolio, or risk-management decision.

Charts, historical model outputs, benchmark comparisons, cumulative returns, model-state histories, drawdown statistics, performance illustrations, and backtested results are provided for informational context only.

Historical backtests, model histories, simulated results, and benchmark comparisons are hypothetical. They do not reflect the experience of any individual user and do not guarantee future outcomes.

Live use may differ materially from historical or backtested results because of execution timing, slippage, fees, taxes, spreads, liquidity, data revisions, delayed access, model changes, operational constraints, and future market conditions.

Any benchmark reference is shown for context only and is not a recommendation to buy, sell, hold, or track that benchmark or any related security, fund, derivative, or market exposure.

MARFIN is provided on an “as available” and “as is” basis to the maximum extent permitted by law.

We do not guarantee uninterrupted availability, error-free operation, accuracy, completeness, timeliness, profitability, or fitness for a particular investment, trading, business, compliance, tax, or legal purpose.

Data may be delayed, unavailable, incomplete, stale, incorrect, or affected by upstream providers, technical issues, market data limitations, infrastructure problems, product updates, access restrictions, Telegram delivery limitations, or payment provider issues.

You should not rely on MARFIN as the sole operational input for a time-sensitive investment, trading, hedging, portfolio, or risk-management decision.

API access, institutional access, or advanced integration may be made available on request and may be subject to additional approval, technical limits, commercial terms, usage restrictions, and compliance requirements.

API access provides data access only. It does not provide execution, brokerage, personal advice, portfolio management, or a determination that any output is suitable for any person, account, portfolio, mandate, fund, or strategy.

You are responsible for ensuring that any integration, redistribution, internal use, external use, client-facing use, or automated use of MARFIN data is lawful and consistent with your own regulatory, contractual, fiduciary, and compliance obligations.

MARFIN may rely on or link to third-party services such as Telegram, hosting providers, analytics tools, payment providers, data providers, infrastructure systems, and external websites.

We are not responsible for the independent operation, terms, availability, security, data practices, or privacy practices of third-party services unless required by law.

Your access to MARFIN may depend on the availability, restrictions, and technical operation of those third-party services.

To the maximum extent permitted by applicable law, OÜ MegagroupEU shall not be liable for indirect, incidental, consequential, special, punitive, exemplary, or business-related losses, including loss of profits, loss of data, loss of opportunity, trading losses, investment losses, portfolio losses, tax consequences, or losses arising from delayed, unavailable, incomplete, or incorrect outputs.

To the maximum extent permitted by applicable law, our aggregate liability for claims relating to MARFIN shall not exceed the amount you paid to us for the service during the three months preceding the event giving rise to the claim, unless mandatory law requires otherwise.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is not permitted under applicable law, including liability for fraud, intentional misconduct, or other liability that cannot be excluded by law.

We may update MARFIN, modify features, change plan structure, revise workflows, add or remove functionality, change access requirements, or update these Terms where reasonably necessary for product development, compliance, security, risk management, payment operations, or business operation.

The current version published on this page is the version that applies unless mandatory law requires a different notice, consent, or transition approach.

If you continue to use MARFIN after updated Terms become effective, you agree to the updated Terms to the extent permitted by applicable law.

These Terms are governed by the laws of Estonia, without prejudice to mandatory consumer protection rights that may apply in your country of residence.

Where a dispute cannot be resolved directly, the competent courts and procedures will be determined in accordance with applicable law and mandatory consumer protections.

Nothing in these Terms prevents either party from seeking urgent, injunctive, or protective relief where available under applicable law.

For questions about these Terms, subscriptions, billing, legal requests, cancellation matters, or jurisdiction availability, contact: