Terms of Service

By accessing this website or engaging Finnstar Co for services, you accept these Terms of Service in full. If you do not accept them, do not use the site or engage the firm.

These terms apply to the website and to services engaged through it. A signed proposal or engagement letter, where one exists, controls over these terms to the extent of any conflict.

Finnstar Co provides consulting, advisory, and venture development services in the domains described on the Capabilities page. Services are performed by the principal and delivered remotely and electronically unless the accepted proposal states otherwise.

The firm does not provide legal, tax, accounting, or investment advice, does not manage client funds or digital assets, and does not offer or sell securities.

Every engagement begins with a written proposal stating scope, deliverables, fees, and schedule. No charge is made and no invoice issued until you have accepted that proposal.

Fees are quoted and invoiced in United States dollars. Retainers are billed monthly in advance; project mandates are billed on a deposit and milestone basis as stated in the proposal. Invoices are due on receipt unless the proposal states otherwise.

Payments are processed by Stripe. Finnstar Co does not collect or store payment card details. Card statements will show a descriptor referencing FINNSTAR.

Late amounts may accrue interest at 1.5% per month or the maximum permitted by law, whichever is lower, and the firm may suspend work on overdue accounts after written notice.

Refunds and cancellations are governed by the Refund & Cancellation Policy published on this site, which forms part of these terms.

You agree to provide accurate information, timely access to the people and materials the work requires, and decisions within the timeframes the engagement assumes. Delay attributable to the client may shift the schedule and, where it materially increases effort, the fee — always by written agreement first.

Work product created specifically for you under an engagement transfers to you upon full payment, except for the firm's pre-existing materials, methods, frameworks, templates, and know-how, which remain the property of Finnstar Co and are licensed to you, non-exclusively, for use with the deliverable.

The firm's own ventures, properties, and portfolio IP are not part of any engagement's deliverable unless a separate written agreement says so.

Website content, including text, layout, and marks, is owned by Finnstar Co and may not be reproduced without permission.

Each party will protect the other's confidential information, use it only for the engagement, and not disclose it to third parties without consent, except where disclosure is legally required.

Please do not send confidential material through the website contact form before a non-disclosure agreement is in place.

Finnstar Co will not name you as a client or describe your engagement publicly without your written consent. Where consent is given, references remain factual and stage-accurate.

Finnstar Co is an independent contractor. Nothing in these terms creates an employment, partnership, joint venture, or agency relationship, and neither party may bind the other.

The firm brings judgment, method, and effort. It does not guarantee any specific business, financial, creative, or commercial outcome, and no statement on this site should be read as such a guarantee.

The site and the firm's delivery rely on third-party services, including Stripe for payments and Google Fonts for typography. Their handling of data is governed by their own terms and policies.

The website is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the fullest extent permitted by law.

To the fullest extent permitted by law, Finnstar Co's aggregate liability arising out of or relating to an engagement is limited to the fees paid by you for that engagement in the twelve months preceding the claim.

Neither party is liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or lost data, however caused.

You agree to indemnify and hold harmless Finnstar Co against third-party claims arising from your use of deliverables in a manner outside the engagement's scope, or from materials you supplied to the firm.

These terms are governed by the laws of the State of California, without regard to conflict-of-law principles. The parties submit to the exclusive jurisdiction of the state and federal courts located in San Francisco, California.

Before commencing any proceeding, the parties will attempt in good faith to resolve the dispute directly for thirty days. For billing disputes, contact the firm first — chargebacks initiated without prior contact are contested with the processor.

The firm may update these terms; the "last updated" date above reflects the current version. Material changes affecting an active engagement will be communicated in writing.

Contact: Henry Finn d/b/a Finnstar Co, 5432 Geary Blvd, Unit 330, San Francisco, CA 94121, United States — henry@finnstar.co.