Terms

Acceptance of Terms

These Terms of Service (the “Terms”) are a legally binding agreement between you and FlaBrokers (“FlaBrokers,” “Company,” “we,” “us,” or “our”) governing your access to and use of our websites, applications, content, tools, and services (collectively, the “Services”). By accessing or using the Services, creating an account, or clicking to accept or agree to these Terms, you acknowledge that you have read, understood, and agree to be bound by these Terms and our privacy practices. If you do not agree, do not use the Services.

Owner and operator: FlaBrokers, owned by Asia Stewart, 653 Park Ave, Rochester, NY 14607, USA. Contact: [email protected]. Effective date: October 1, 2025.

Description of Services

FlaBrokers is a financial information and research platform that compares and reviews cryptocurrency and stock market brokers, provides market data and news, offers educational content, rankings, and how‑to guides, and supplies tools to compare exchanges, analyze charts, and monitor portfolios. The Services are provided for informational and educational purposes only and are not intended to provide investment, financial, legal, accounting, or tax advice or to solicit the purchase or sale of any security, cryptocurrency, or other financial instrument.

Eligibility

You must be at least 18 years of age, have the full right, power, and authority to enter into these Terms, and not be barred from using the Services under applicable law. You represent and warrant that you meet these eligibility requirements and that you will use the Services only for lawful purposes and in accordance with these Terms.

Account Registration and Security

To access certain features, you may be required to create an account and provide accurate, current, and complete information. You are responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to promptly notify us of any suspected unauthorized use of your account. We reserve the right to reclaim usernames on behalf of businesses or individuals that hold legal claim to those names.

Market Data, News, and Educational Content

Market data, pricing, charts, news, research, and other content provided via the Services may be obtained from third parties or calculated from publicly available information and may be delayed, incomplete, or inaccurate. Data and content may change without notice and are provided on an “as is” and “as available” basis for informational and educational purposes only. You are solely responsible for verifying any data or information before relying on it.

• Securities quotes may be delayed as required by exchanges or data providers.
• Cryptocurrency prices can be highly volatile and may differ across venues.
• We do not guarantee the timeliness, accuracy, or completeness of any data or information.

No Investment, Legal, Tax, or Brokerage Advice

FlaBrokers is not a broker-dealer, investment adviser, commodity trading advisor, money transmitter, or custodian, and does not execute trades, hold assets, or provide personalized advice or recommendations. Nothing in the Services constitutes an offer, solicitation, or recommendation to buy or sell any security, crypto asset, or other instrument, or to engage in any investment strategy. Decisions based on information contained in the Services are your sole responsibility.

Risk Disclosure

Investing and trading involve significant risk, including the risk of loss of principal. Past performance is not indicative of future results. You should consider your financial situation, risk tolerance, and investment objectives carefully, and seek advice from a qualified professional as needed.

Third-Party Services and Links

The Services may reference, review, compare, or link to third-party platforms, brokers, exchanges, data providers, tools, or content (collectively, “Third-Party Services”). We do not control, endorse, or assume any responsibility for Third-Party Services. Your use of Third-Party Services is at your own risk and may be subject to separate terms and privacy policies.

Fees and Payment

Some features may require payment of fees or a subscription. You agree to pay all applicable fees, taxes, and charges incurred by your account at the rates in effect when incurred. If you provide a payment method, you authorize us (and our payment processors) to charge that method for all due amounts, including recurring charges for subscriptions until you cancel.

Subscriptions, Trials, Cancellations, and Refunds

Unless otherwise stated at the time of purchase: subscriptions renew automatically for successive terms; you may cancel renewal at any time before the renewal date; fees are nonrefundable and noncreditable once charged; promotional or trial periods convert to paid subscriptions at the then-current rate unless canceled before the end of the trial. We may change pricing upon notice effective for the next billing term.

User Content; License; Acceptable Use

You may be permitted to submit reviews, comments, rankings, feedback, portfolio data, or other materials (“User Content”). You represent that you own or have the necessary rights to submit User Content and that it does not infringe or violate any third-party rights or laws. By submitting User Content, you grant us a worldwide, nonexclusive, transferable, sublicensable, royalty-free license to use, host, store, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, publicly perform, and publicly display such content in connection with the Services.

Prohibited Conduct

• Violating any law, regulation, or third-party right, including intellectual property and privacy rights.
• Posting or transmitting unlawful, harmful, fraudulent, defamatory, obscene, or deceptive content.
• Interfering with or disrupting the Services or servers; introducing viruses, malware, or harmful code.
• Scraping, crawling, or harvesting content or data except as permitted via documented APIs with express authorization.
• Reverse engineering, decompiling, or attempting to access source code except as permitted by law.
• Bypassing or circumventing security or access control measures.
• Impersonating any person or entity or misrepresenting your affiliation.
• Using the Services for benchmarking, competing product development, or any purpose not expressly permitted by these Terms.

Intellectual Property

The Services, including all content, features, software, design, logos, and trademarks, are owned by FlaBrokers or its licensors and are protected by intellectual property and other laws. Except as expressly permitted, you may not copy, reproduce, distribute, modify, or create derivative works from the Services.

Limited License

Subject to these Terms, we grant you a limited, revocable, nonexclusive, nontransferable license to access and use the Services for your personal, noncommercial use (or, if authorized in writing, for internal business use). All rights not expressly granted are reserved.

Feedback

If you provide suggestions, ideas, or feedback, you grant us a perpetual, worldwide, royalty-free right to use and exploit such feedback without restriction or attribution.

Privacy and Data Processing

Your use of the Services is subject to our privacy practices, which describe how we collect, use, disclose, and protect personal information and cookies. You consent to our processing of personal information consistent with those practices and applicable law. Do not submit sensitive personal data unless we expressly request it.

Security

We implement reasonable administrative, technical, and organizational measures designed to protect the Services and information we process. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for using strong passwords and safeguarding your account.

Compliance with Laws; Export and Sanctions

You must comply with all applicable laws, including U.S. export control and economic sanctions laws. You represent that you are not located in, organized under the laws of, or ordinarily resident in any embargoed jurisdiction and are not identified on any U.S. government restricted or denied party list. You may not use the Services for any prohibited end use.

Disclaimers; No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF TITLE, NON‑INFRINGEMENT, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR QUIET ENJOYMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, ERROR‑FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT DEFECTS WILL BE CORRECTED.

Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL FLABROKERS, ITS OWNERS (INCLUDING ASIA STEWART), AFFILIATES, LICENSORS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) ONE HUNDRED U.S. DOLLARS (US$100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS; SOME OF THE ABOVE MAY NOT APPLY TO YOU.

Indemnification

You agree to defend, indemnify, and hold harmless FlaBrokers, its owner (including Asia Stewart), affiliates, licensors, and service providers from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising from or related to your use of the Services, your User Content, your violation of these Terms, or your violation of any law or third‑party right.

Arbitration Agreement; Class Action and Jury Trial Waiver

YOU AND FLABROKERS AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES (COLLECTIVELY, “DISPUTES”) WILL BE RESOLVED EXCLUSIVELY BY BINDING INDIVIDUAL ARBITRATION UNDER THE FEDERAL ARBITRATION ACT, AND NOT IN A CLASS, REPRESENTATIVE, OR CONSOLIDATED ACTION OR PROCEEDING. ARBITRATION SHALL BE ADMINISTERED BY A RECOGNIZED ARBITRATION PROVIDER (SUCH AS AAA OR JAMS) UNDER ITS APPLICABLE RULES. THE ARBITRATOR SHALL HAVE EXCLUSIVE AUTHORITY TO RESOLVE ALL THRESHOLD ARBITRABILITY ISSUES. YOU AND WE WAIVE THE RIGHT TO A JURY TRIAL.

Opt-Out Procedure

You may opt out of this arbitration agreement by sending a written notice with your full name, account email, and a clear statement that you wish to opt out, within 30 days of your first acceptance of these Terms, to [email protected] or by mail to FlaBrokers, Attn: Arbitration Opt-Out, 653 Park Ave, Rochester, NY 14607, USA. Opting out will not affect other provisions of these Terms.

Small Claims and Injunctive Relief

Either party may bring individual claims in small claims court in Monroe County, New York, if permitted by that court’s rules. Either party may seek temporary or preliminary injunctive relief in a court of competent jurisdiction to protect intellectual property or prevent unauthorized access or misuse of the Services.

Governing Law; Venue

These Terms and any Dispute are governed by the laws of the State of New York, without regard to conflict of law principles. Subject to the arbitration agreement, the exclusive venue for any court proceeding will be the state or federal courts located in Monroe County, New York, and you consent to personal jurisdiction there.

California Consumer Notice

Under California Civil Code § 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by telephone at (800) 952‑5210, to resolve a complaint or obtain further information regarding use of the Services.

DMCA Notice and Takedown Procedure

If you believe content on the Services infringes your copyrights, send a notice pursuant to the DMCA to our designated agent with: (1) your physical or electronic signature; (2) identification of the copyrighted work; (3) identification of the allegedly infringing material and its location; (4) your contact information; (5) a statement that you have a good-faith belief the use is not authorized; and (6) a statement that the information is accurate and that you are authorized to act. Designated Agent: DMCA Agent, FlaBrokers, 653 Park Ave, Rochester, NY 14607, USA; [email protected].

Termination; Suspension

We may suspend or terminate your access to the Services (in whole or in part) at any time, with or without notice, for any reason, including violation of these Terms or risk to the security or integrity of the Services. Upon termination, the rights granted to you under these Terms will cease immediately. Sections that by their nature should survive termination will survive.

Changes to the Services or Terms

We may modify or discontinue any part of the Services at any time. We may update these Terms from time to time. If we make material changes, we will provide notice by posting the updated Terms or by other reasonable means. Your continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

Force Majeure

We will not be liable for any delay or failure to perform due to events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor conditions, governmental actions, internet or telecommunications failures, or utility outages.

Assignment

You may not assign or transfer any rights or obligations under these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, corporate reorganization, or sale of assets, or by operation of law.

Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

Waiver

No waiver of any term will be deemed a further or continuing waiver of such term or any other term, and our failure to assert any right or provision under these Terms will not constitute a waiver.

Entire Agreement; Order of Precedence

These Terms, together with any supplemental terms expressly incorporated by reference, constitute the entire agreement between you and FlaBrokers regarding the Services and supersede all prior or contemporaneous agreements on the subject matter. In the event of a conflict between these Terms and supplemental terms for a specific feature, the supplemental terms will control for that feature.

Notices and Contact Information

We may provide notices to you via the Services, email, or other reasonable means. You consent to receive communications electronically. You may contact us at: FlaBrokers, 653 Park Ave, Rochester, NY 14607, USA; Email: [email protected].

Children and Age Restrictions

The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If you are between 13 and 18, you may use the Services only with the consent of a parent or legal guardian.

Accessibility

We strive to make the Services accessible. If you experience difficulty accessing any content, please contact us at [email protected] and we will work to provide the information you need.

International Users

The Services are controlled and operated from the United States and are intended for U.S. users. We make no representation that the Services are appropriate or available for use in other jurisdictions. You are responsible for compliance with local laws.

Beta and Experimental Features

From time to time, we may offer beta, preview, or experimental features. Such features are provided “as is,” may be subject to additional terms, may be modified or discontinued at any time, and may not be as reliable or available as other features.

Open Source Components

The Services may include open-source software components subject to their own licenses. To the extent required, those licenses will govern your use of the relevant components.

Survival

Sections concerning ownership, disclaimers, limitations of liability, indemnification, arbitration, governing law, privacy and data processing, and other provisions that by their nature should survive termination will survive any termination or expiration of these Terms.