Terms of Service

These Terms of Service (the “Terms”) form a binding contract between you (“you”, “your”) and Capital Fortress, a service operated by Furni Systems SRL, a company organized under the laws of Romania (“Capital Fortress”, “we”, “our”, “us”). They govern your access to and use of Capital Fortress: Command Center and any related services, websites, applications, APIs, content, and tools that we operate under the Capital Fortressbrand (collectively, the “Service”).

By creating an account, clicking “I agree”, or otherwise accessing the Service, you confirm that you have read, understood, and accepted these Terms. If you do not agree, do not access or use the Service.

1. Educational nature of the Service — please read first

The Service is provided strictly for general financial education and personal information-management purposes. It is not financial, investment, tax, legal, accounting, or any other form of professional advice, and no content, calculation, simulation, score, recommendation, or output produced by the Service constitutes a personalized recommendation to buy, sell, hold, allocate, withdraw, contribute, or otherwise act on any financial asset, account, or strategy. You bear sole responsibility for every financial decision you make. Before acting on anything you see or compute in the Service, consult a qualified professional licensed in your jurisdiction. See also our Educational Disclaimer.

2. Eligibility and account

• You must be at least 18 years old (or the age of majority where you live) to use the Service.
• You must provide accurate registration information and keep your credentials secret. You are responsible for everything that happens under your account.
• You may use the Service only for your personal, non-commercial purposes unless we have agreed otherwise in writing.
• One account per person. Account sharing, multi-account abuse, or reselling access is prohibited.

3. License we grant to you

Subject to your full compliance with these Terms and timely payment of any fees due, we grant you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your own informational use, for as long as your account is active and your applicable tier remains in good standing. This license terminates automatically if you violate these Terms.

4. Plans, payments, and renewals

• Subscription fees, one-time fees, currency, taxes, and billing cycles are displayed at checkout and on your billing page. Prices are exclusive of any applicable taxes unless stated otherwise.
• Subscriptions auto-renew at the end of each billing period at the then-current price, until you cancel. You may cancel at any time from your billing page; cancellation takes effect at the end of the current paid period.
• Payments are processed by Stripe, Inc. By submitting payment information you authorize us and Stripe to charge your payment method for amounts due.
• If a payment fails, we may suspend or downgrade your access. We may retry the charge, attempt to collect via dunning, and apply a grace period at our discretion.
• Refunds, where available, are governed by our Refund Policy.

5. Free trials, coupons, and student access

We may offer free trials, promotional codes, beta access, or bundled student access (for example, through enrollment in our courses). Such access is at our sole discretion and may be limited in duration or features. Trial or promotional credit may not be exchanged for cash, transferred, or stacked beyond limits stated at issuance. Abuse of trial / coupon / student access — including creating multiple accounts to extend free use, reselling promotional codes, or providing inaccurate enrollment information — results in immediate forfeiture and possible account closure without refund.

6. Your content and your data

You retain ownership of the financial inputs, notes, custom categories, uploaded statements, and other content you submit to the Service (“Your Content”). You grant us a worldwide, royalty-free license to host, process, transmit, back up, display to you, and otherwise use Your Content solely to operate, secure, maintain, support, and improve the Service. You may export or delete Your Content from your account at any time.

You represent and warrant that (a) you have all rights necessary to submit Your Content, (b) Your Content does not violate any law or third-party right, and (c) Your Content will not contain malware, illegal content, personal data of third parties without lawful basis, or material that we may reasonably consider abusive, deceptive, or unlawful.

7. Service content, intellectual property, and feedback

All content we provide through the Service — including text, software, interfaces, logos, methodologies, scoring frameworks, course-aligned templates, simulations, charts, and the Capital Fortress name and marks — is owned by Furni Systems SRL or our licensors and is protected by intellectual property laws. Nothing in these Terms transfers any ownership in our content or marks to you. We grant you no rights other than the limited license in Section 3.

If you send us feedback, ideas, suggestions, or proposed improvements (“Feedback”), you assign to us all rights in that Feedback. We may use Feedback for any purpose without compensation or attribution.

8. Acceptable use

You will not, and you will not permit anyone else to: (a) reverse-engineer, decompile, scrape, or otherwise extract source code, models, or aggregate data from the Service; (b) use the Service to provide personalized financial advice or a regulated financial service to third parties; (c) abuse, harass, threaten, or attempt to defraud us, our staff, or other users; (d) introduce malware or interfere with the integrity, security, or performance of the Service; (e) circumvent paywalls, rate-limits, authentication, or geographic restrictions; (f) use the Service to launder funds, evade sanctions, or perform any illegal activity. Full rules are in our Acceptable Use Policy.

9. Changes to the Service and to these Terms

We are continuously improving the Service. We may add, modify, suspend, or discontinue features, modules, pricing tiers, integrations, and content at any time, with or without notice, and without liability to you. We may also update these Terms from time to time by posting the revised version with a new “Last updated” date, and the updated Terms take effect the day they are posted. If a change is material we will use reasonable efforts to notify you (for example, by email or in-app banner). Continued use of the Service after the update constitutes acceptance.

10. Suspension and termination

We may suspend, restrict, downgrade, or terminate your access to the Service at any time, with or without prior notice, if we reasonably believe that: you have breached these Terms or any of our policies; your account is being used in a way that creates legal, security, financial, or reputational risk for us or our users; your payment is overdue; or applicable law requires us to. You may close your account at any time; closure does not entitle you to a refund except as stated in our Refund Policy. Sections that by their nature should survive termination (including 6, 7, 11, 12, 13, 14, 15) survive.

11. Disclaimers — Service provided “AS IS”

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT, FEATURES, AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, AVAILABILITY, COMPLETENESS, NON-INFRINGEMENT, OR THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. ANY FINANCIAL OUTPUT, SIMULATION, SCORE, OR PROJECTION YOU OBTAIN FROM THE SERVICE IS DIRECTIONAL AND ILLUSTRATIVE ONLY AND MAY DIFFER MATERIALLY FROM REAL-WORLD OUTCOMES.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, NEITHER FURNI SYSTEMS SRL NOR ANY OF ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, CONTRACTORS, OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST INVESTMENT GAINS, LOST OPPORTUNITY, TRADING OR MARKET LOSSES, LOST DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATING TO THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY UNDER OR IN CONNECTION WITH THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY OR (B) US$50.

13. Indemnification

You will defend, indemnify, and hold harmless Furni Systems SRL, its affiliates, and their respective directors, officers, employees, agents, contractors, and licensors from and against any claim, demand, action, loss, liability, damage, cost, or expense (including reasonable legal fees) arising out of or relating to (a) Your Content, (b) your use of the Service, (c) your breach of these Terms or any law, or (d) any decision you make based on the Service.

14. Governing law and dispute resolution

These Terms and any dispute between you and us are governed by the laws of Romania, without regard to its conflict-of-law rules. Subject to mandatory consumer-protection rights in your country of residence, the exclusive venue for any claim is the competent courts of Romania, except where mandatory consumer protection laws of your country of residence apply. You and we waive any right to a jury trial and may bring claims only on an individual basis; class actions, consolidated proceedings, and representative actions are not permitted.

15. Miscellaneous

• Entire agreement. These Terms, together with the policies they reference, constitute the entire agreement between you and us with respect to the Service and supersede any prior or contemporaneous understandings.
• No waiver. Our failure to enforce any provision is not a waiver.
• Severability. If a provision is held unenforceable, the remainder remains in effect.
• Assignment. We may assign these Terms in connection with a corporate transaction or to an affiliate. You may not assign them without our written consent.
• Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.
• Notices. We may send notices to the email associated with your account. You may send notices to us at support@capitalfortress.org.
• Headings. Section headings are for convenience only and have no legal effect.

16. Contact us

Questions about these Terms? Write to support@capitalfortress.org for legal matters, or support@capitalfortress.org for account help.