FINGRAM VIP — TERMS OF SERVICE
These Terms of Service ("Terms") govern your subscription to FinGram VIP ("FinGram", "we", "us"), operated by Konosuke Asano. By starting a free trial, purchasing a subscription or accessing any FinGram channel, you agree to these Terms. If you do not agree, do not subscribe.
1. THE SERVICE
FinGram provides access to private, language-specific Telegram channels (Japanese, Traditional Chinese, Korean, Spanish and Vietnamese) that publish general market information and structural analysis of publicly reported macroeconomic, financial-market, commodity, digital-asset and technology news. Each subscription gives access to one channel. Access is managed by our membership bot, @FinGram_Subscription_Bot, operated through InviteMember.
2. GENERAL INFORMATION ONLY — NOT INVESTMENT ADVICE
2.1 All content is general and impersonal market information. It is not investment, financial, legal or tax advice, and it is not a recommendation or solicitation to buy, sell or hold any security, currency, commodity, digital asset or other financial instrument.
2.2 Content does not take into account your objectives, financial situation or needs. FinGram does not provide personalized advice, trading signals, copy trading, portfolio management or custody of any funds or assets, and does not offer investment opportunities or promise any returns.
2.3 FinGram is not registered as an investment adviser, broker-dealer or financial institution in any jurisdiction.
2.4 Content may be incomplete, delayed or inaccurate, and market conditions change quickly. Forecasts and scenarios are probabilistic and may not occur. You are solely responsible for your own decisions. Consider consulting a licensed professional before making any financial decision.
3. ELIGIBILITY
You must be at least 18 years old (or the age of majority where you live) and legally permitted to use the service in your jurisdiction.
4. PRICE
A subscription costs USD 29 per month per channel. Prices are shown in US dollars. Taxes or currency conversion fees charged by your bank or payment provider may apply.
5. CARD PAYMENTS (STRIPE) — FREE TRIAL AND AUTOMATIC RENEWAL
5.1 Free trial: card subscriptions start with a 14-day free trial. A valid payment card is required to start the trial. Each person may use one free trial only, across all FinGram channels.
5.2 Notice before the trial ends: we notify you before your trial ends, by email about 7 days before and by a Telegram message from @FinGram_Subscription_Bot about 3 days before.
5.3 First charge: unless you cancel before the trial ends, USD 29 is charged to your card when the trial ends.
5.4 Automatic renewal: your subscription then renews automatically every month, and USD 29 is charged each month, until you cancel.
5.5 Cancellation: you can cancel at any time through @FinGram_Subscription_Bot or by contacting support@fingramvip.com. Cancelling during the trial means you will not be charged. Cancelling after a charge stops future renewals; your access continues until the end of the period you have already paid for.
5.6 Refunds: if you cancel during the free trial, you pay nothing. Once a charge has been made, it is non-refundable, except where a refund is required by applicable law.
5.7 Failed payments: if a renewal payment fails, your access continues for a 3-day grace period while the payment is retried. If the payment cannot be completed, the subscription is cancelled and your access ends.
6. CRYPTOCURRENCY PAYMENTS (COINPAYMENTS)
6.1 A cryptocurrency payment is a one-time payment of USD 29 (in the cryptocurrency you choose at checkout) for 1 month of access. It does not renew automatically, and no free trial applies.
6.2 To continue after the month ends, you make a new payment. @FinGram_Subscription_Bot reminds you when about 80% of the paid period has passed, one day before it ends and on the day it ends. If no new payment is made, your access ends when the paid month ends.
6.3 14-day refund: for your first cryptocurrency payment only, you may request a full refund within 14 days of that payment by contacting support@fingramvip.com. The refund is paid in USDT, in an amount equal to the US dollar value of your payment at the time of purchase, minus network and transaction fees, to a wallet address you provide on a network we specify. Your access ends when the refund is issued.
6.4 After those 14 days, and for any later cryptocurrency payment, payments are non-refundable, except where a refund is required by applicable law.
7. YOUR ACCESS
7.1 Your subscription is personal and non-transferable. You may not share your access, invite links or login, or copy, forward, resell or republish FinGram content, in whole or in part, without our written permission.
7.2 We may suspend or remove access without refund if you breach these Terms, misuse the service, or engage in fraud, chargeback abuse or harassment.
8. SECURITY
FinGram administrators will never message you first to ask for money, passwords, private keys or wallet seed phrases. Always check that you are dealing with official FinGram accounts.
9. INTELLECTUAL PROPERTY
All content is owned by FinGram or its licensors and is protected by intellectual property laws. Your subscription grants you a limited, personal, non-commercial right to view the content.
10. CHANGES
10.1 We may update the service and its content format at any time.
10.2 We will announce any price change at least 30 days before it applies to your next renewal. You may cancel before the new price applies.
10.3 We may update these Terms. Material changes will be announced in the channels or by the bot. Continued use after the effective date means you accept the updated Terms.
11. DISCLAIMER AND LIMITATION OF LIABILITY
The service is provided "as is" and "as available", without warranties of any kind. To the maximum extent permitted by law, FinGram is not liable for any loss or damage arising from your use of, or reliance on, the content, including any investment or trading losses, or from service interruptions. Our total liability for any claim is limited to the amount you paid us in the 3 months before the claim. Nothing in these Terms limits rights that cannot be limited under the consumer protection laws of your country of residence.
12. PRIVACY
We process only the data needed to provide and improve the service: your Telegram ID and username, your subscription status and payment status, and aggregate, pseudonymous analytics of visits to our links (no IP addresses are stored). Payments are processed by Stripe and CoinPayments, and memberships by InviteMember; FinGram does not receive or store your full card details. See our Privacy Policy for details.
13. GOVERNING LAW
These Terms are governed by the laws of Japan, without prejudice to the mandatory consumer protection laws of your country of residence.
14. LANGUAGE
The summaries below are provided for convenience. If there is any inconsistency, this English version prevails, except where the law of your country requires otherwise.
15. CONTACT
Konosuke Asano — FinGram
Email: support@fingramvip.com
Membership bot: @FinGram_Subscription_Bot
SUMMARIES / 要約 / 摘要 / 요약 / RESUMEN / TÓM TẮT
【日本語・要約】
・FinGramは、公開された市場ニュースに基づく一般的な市場情報と構造分析を提供するサービスです。投資・金融・法律・税務上の助言や、売買の推奨ではありません。個人の状況は考慮せず、投資判断はご自身の責任で行ってください。
・料金：1チャネルにつき月額29米ドル。
・カード払い：14日間無料トライアル（カード登録必須・お一人様1回）。終了の約7日前にメールで、約3日前にTelegramでお知らせします。トライアル中に解約しなければ29米ドルが請求され、以後毎月自動更新されます。いつでも@FinGram_Subscription_Botから解約でき、支払い済み期間の終了まで閲覧できます。初回請求後の返金はありません（法律で求められる場合を除く）。
・暗号資産払い：29米ドルの1回払いで1か月利用（自動更新なし・トライアルなし）。期間の約8割が過ぎた時点・終了前日・終了当日にボットからお知らせします。初回の支払いから14日以内であれば、購入時の米ドル建て金額から手数料を差し引いた額をUSDTで全額返金します。
・アクセス権は本人のみ有効です。内容の転載・共有は禁止します。
・問い合わせ：support@fingramvip.com
・英語版と内容が異なる場合は、英語版が優先されます。
【繁體中文・摘要】
・FinGram提供依據公開市場新聞的一般市場資訊與結構分析，並非投資、財務、法律或稅務建議，也不構成任何買賣建議。內容未考量個人情況，投資決定請自行負責。
・費用：每個頻道每月29美元。
・信用卡付款：14天免費試用（須綁定信用卡，每人限一次），試用結束前會通知您。若未於試用期間取消，將收取29美元，之後每月自動續訂。可隨時透過@FinGram_Subscription_Bot取消，已付費期間結束前仍可使用。首次扣款後恕不退款（法律另有規定者除外）。
・加密貨幣付款：29美元單次付款，使用1個月（不自動續訂、無試用）。首次付款後14天內可申請全額退款，以USDT退還購買時的美元金額並扣除手續費。
・使用權僅限本人，禁止轉載或分享內容。
・聯絡方式：support@fingramvip.com
・如與英文版有出入，以英文版為準。
【한국어 요약】
・FinGram은 공개된 시장 뉴스를 바탕으로 일반적인 시장 정보와 구조 분석을 제공합니다. 투자·금융·법률·세무 자문이나 매매 권유가 아니며, 개인의 상황을 고려하지 않습니다. 투자 판단의 책임은 본인에게 있습니다.
・요금: 채널당 월 29달러.
・카드 결제: 14일 무료 체험(카드 등록 필수, 1인 1회). 체험 종료 전에 안내해 드립니다. 체험 기간 중 해지하지 않으면 29달러가 청구되고 이후 매월 자동 갱신됩니다. 언제든 @FinGram_Subscription_Bot에서 해지할 수 있으며, 결제한 기간이 끝날 때까지 이용할 수 있습니다. 첫 결제 이후에는 환불되지 않습니다(법률상 요구되는 경우 제외).
・암호화폐 결제: 29달러 1회 결제로 1개월 이용(자동 갱신 없음, 체험 없음). 첫 결제 후 14일 이내에는 구매 시점의 달러 금액에서 수수료를 뺀 금액을 USDT로 전액 환불합니다.
・이용 권한은 본인에게만 있으며, 콘텐츠의 전재·공유를 금지합니다.
・문의: support@fingramvip.com
・영문판과 내용이 다를 경우 영문판이 우선합니다.
【Español — Resumen】
・FinGram ofrece información general de mercado y análisis estructural basados en noticias públicas. No constituye asesoramiento de inversión, financiero, legal ni fiscal, ni una recomendación de compra o venta. El contenido no considera la situación personal de nadie; cada persona es responsable de sus propias decisiones.
・Precio: 29 dólares estadounidenses al mes por canal.
・Pago con tarjeta: prueba gratuita de 14 días (requiere tarjeta; una prueba por persona). Se envía un aviso antes de que termine la prueba. Si no se cancela durante la prueba, se cobran 29 dólares y la suscripción se renueva automáticamente cada mes. Se puede cancelar en cualquier momento desde @FinGram_Subscription_Bot, conservando el acceso hasta el final del período pagado. No hay reembolsos tras el primer cargo, salvo cuando la ley lo exija.
・Pago con criptomonedas: pago único de 29 dólares por 1 mes (sin renovación automática ni prueba). Dentro de los 14 días posteriores al primer pago, se puede solicitar el reembolso total en USDT, por el valor en dólares del pago menos las comisiones.
・El acceso es personal; está prohibido compartir o republicar el contenido.
・Contacto: support@fingramvip.com
・En caso de discrepancia, prevalece la versión en inglés.
【Tiếng Việt — Tóm tắt】
・FinGram cung cấp thông tin thị trường chung và phân tích cấu trúc dựa trên tin tức đã được công bố. Đây không phải là tư vấn đầu tư, tài chính, pháp lý hay thuế, cũng không phải khuyến nghị mua bán. Nội dung không xét đến hoàn cảnh cá nhân; mỗi người tự chịu trách nhiệm về quyết định của mình.
・Giá: 29 đô la Mỹ mỗi tháng cho mỗi kênh.
・Thanh toán bằng thẻ: dùng thử miễn phí 14 ngày (bắt buộc liên kết thẻ, mỗi người một lần). Sẽ có thông báo trước khi thời gian dùng thử kết thúc. Nếu không hủy trong thời gian dùng thử, hệ thống sẽ thu 29 đô la và tự động gia hạn hằng tháng. Có thể hủy bất cứ lúc nào qua @FinGram_Subscription_Bot và vẫn truy cập đến hết kỳ đã thanh toán. Không hoàn tiền sau lần thanh toán đầu tiên, trừ khi pháp luật yêu cầu.
・Thanh toán bằng tiền mã hóa: thanh toán một lần 29 đô la cho 1 tháng (không tự động gia hạn, không dùng thử). Trong vòng 14 ngày kể từ lần thanh toán đầu tiên, có thể yêu cầu hoàn tiền toàn bộ bằng USDT theo giá trị đô la tại thời điểm mua, trừ phí giao dịch.
・Quyền truy cập chỉ dành cho cá nhân người đăng ký; nghiêm cấm chia sẻ hoặc đăng lại nội dung.
・Liên hệ: support@fingramvip.com
・Nếu có khác biệt, bản tiếng Anh được ưu tiên áp dụng.