FinClip Terms of Service (International)

Effective Date: 2026/09/20
Last Updated: 2026/09/20
Operating Entity: FinoGeeks Technology (Hong Kong) Limited (a member of the FinoGeeks group; hereinafter referred to as the “Platform”)

Chapter I: General Provisions and Scope

Article 1 (Composition) This Agreement consists of this document, the FinClip Privacy Policy (the Privacy Policy published by the Platform at super-apps.ai, hereinafter the “Privacy Policy”), and other rules published and publicized by the Platform on the Website (if any), each of which forms an integral part of this Agreement. Where such documents are inconsistent, specific provisions prevail over general provisions; where this Agreement is inconsistent with the Privacy Policy on matters of personal information processing, the Privacy Policy prevails. Where the Platform has not issued separate specific rules on a matter, the corresponding provisions of this Agreement apply. References in this Agreement to the “Website” mean the Platform’s official international website at super-apps.ai.

Article 2 (Definitions) “Platform” means FinoGeeks Technology (Hong Kong) Limited, a member of the FinoGeeks group. “FinClip” means the mini-app open platform and related products and services operated by the Platform, including the website, Runtime SDK, FinClip Studio, Mini-App Store, Mini-App Browser, the management console, and related supporting services. “User” means any natural person, legal person, or unincorporated organization that registers for and uses FinClip. “SDK” means the FinClip mini-app runtime container software development kit. “End User” means a natural person who uses an application into which the SDK is integrated. “Free Trial Version” means FinClip products and supporting service combinations made publicly available by the Platform for free download and use. “Paid Services” means services obtained by the User on a paid basis under orders or commercial contracts between the parties.

Article 3 (Acceptance and Highlighting) By checking a confirmation box, registering, logging in, downloading (including downloading the Free Trial Version), or otherwise using FinClip services, the User is deemed to have read, understood, and agreed to be bound by this Agreement. The Platform draws attention in a reasonably prominent manner to clauses that exclude or mitigate the Platform’s liability or that are of material significance to the User, and the User may request an explanation of any such clause. A User who does not agree shall cease registration or use.

Chapter II: Account Registration, Security, and Deactivation

Article 4 (Registration and Verification) Registration shall be based on a genuine and valid email address, together with such registration information as the Platform reasonably requires; enterprise Users shall provide business registration documents or other qualification materials reasonably required by the Platform. The User shall ensure that all information provided is true, accurate, and complete, and shall update it within three (3) days of any change. To comply with applicable laws and to prevent fraud and abuse, the Platform may verify the User’s identity and the intended use of the account (including re-verification of already registered accounts); where the User does not provide truthful information or fails verification, the Platform may refuse registration, withhold the relevant services, and re-verify registered accounts. Where a User provides false information, the Platform may terminate the services and reserves the right to pursue legal remedies against the User.

Article 5 (Account Use and Deactivation) An account is for the User’s own use only and may not be lent, rented, transferred, or shared with others; the User shall properly safeguard the account, passwords, and keys. Actions carried out under the User’s account are deemed to be the User’s own acts absent contrary evidence. The User may request account deactivation at any time; before deactivation the User shall complete its own data backup and application migration, and after deactivation the Platform will handle data associated with the account in accordance with the Privacy Policy.

Chapter III: Services and Lawful Use Undertakings

Article 6 (Services and Free Trial Version) The Platform provides the following services: (1) Free Trial Version: trial products and services made publicly available for free download, including development tools such as the Runtime SDK and FinClip Studio and the supporting account system, development center, management console, and testing and trial environments, for the User’s evaluation, assessment, development, and testing. The scope of features, quotas, technical support, and service commitments of the trial version are as published on the Website and in Platform public notices. The Free Trial Version is provided free of charge; except as expressly agreed in this Agreement, the User may not assert claims against the Platform by reference to the standards applicable to Paid Services. (2) Paid Services: formal licensing, commercial editions, value-added services, and related technical support, provided under the parties’ orders or commercial contracts. New features and services launched by the Platform are subject to this Agreement unless otherwise stated.

Article 7 (Lawful Use Undertakings) The User undertakes:

(1) not to use FinClip products or services (including the Free Trial Version) for any illegal or unlawful purpose; not to develop, operate, or promote fraudulent, gambling, pornographic, terrorist, pyramid-scheme, or other unlawful applications or services;

(2) not to provide support or assistance to others in committing fraud or other unlawful activities, including but not limited to technical, account, traffic-driving, or payment-settlement assistance;

(3) not to use the Platform services to create, upload, or distribute content prohibited under applicable laws;

(4) not to use FinClip products or services to unlawfully collect or store other persons’ personal information;

(5) to comply with all applicable export control, economic sanctions, and anti-bribery laws;

(6) to promptly report to the Platform any discovery that others are using FinClip products or services for unlawful purposes.

Where the User breaches the foregoing undertakings, the Platform may take the measures under Article 12 and reserves the right to pursue legal remedies against the User.

Article 8 (Application and Content Standards) Mini-apps and applications developed, uploaded, published, or operated by the User shall comply with this Article and with other rules published by the Platform on the Website (if any): they must not contain malware, content infringing other persons’ lawful rights and interests, or content prohibited by applicable laws; application names, icons, and descriptions must not infringe other persons’ rights or cause confusion. Any review the Platform conducts of applications (including listing review and inspection) is a compliance screening and risk-management measure and does not diminish or exempt the User from full responsibility for the content and use of its mini-apps and applications; the Platform may refuse listing, require rectification, or delist the relevant applications.

Chapter IV: Risk Control and Enforcement

Article 9 (Risk Monitoring) The Platform maintains risk-control mechanisms and monitors account registration, SDK downloads, key issuance, and application listing in order to prevent fraud, abuse, and conduct harmful to the Platform or third parties; for abnormal accounts detected through monitoring, the Platform may re-verify their identity and use.

Article 10 (Cooperation Obligations) The User shall truthfully explain the use of its products at the Platform’s request and provide application information and necessary supporting materials; where the User refuses to cooperate without justified reasons, the Platform may suspend the relevant functions or services.

Article 11 (Logs and Records) The Platform records and retains relevant service logs (including registration, download, invocation, listing, and enforcement records) as required by applicable laws and for reasonable business needs; the User is responsible for backing up its own business data and application data.

Article 12 (Enforcement Measures) Where the User breaches this Agreement, or where the Platform, through monitoring, complaints or reports, or notice from a competent authority, considers that the User is engaged in unlawful use, presents fraud risk, or endangers the security of the Platform or third parties, the Platform may take one or more of the following measures, and none of them constitutes a breach by the Platform:

(1) request supplementary identity or use verification;

(2) limit certain functions (including SDK calls, key issuance, and service frequency);

(3) suspend services;

(4) delist or delete the relevant applications or mini-apps and disable the relevant license keys;

(5) close the account and prohibit re-registration;

(6) report to competent authorities and provide necessary information.

After taking enforcement measures, the Platform will notify the User by email or similar means (except where notification is not permitted by applicable laws or for security reasons). Where measures are taken due to the User’s breach of this Agreement, the User may not request a refund and shall compensate the Platform for the resulting losses under Article 25.

Article 13 (Complaint Handling) Where any individual or entity (including End Users) complains to the Platform that a User’s use of FinClip services infringes its lawful rights and interests, the Platform will verify the matter through reasonable commercial procedures and take necessary measures in accordance with this Agreement and applicable laws; the User shall cooperate with the Platform’s investigation and handling.

Chapter V: Service Changes, Interruptions, and Termination

Article 14 (Service Changes and Interruptions) The Platform may change, suspend, or discontinue the relevant products and services for reasons including system maintenance and upgrades, adjustments to products and services, changes in market and business conditions, applicable laws and regulatory requirements, the prevention or cessation of infringements against the Platform, and the prevention or cessation of unlawful use of FinClip products or services. Planned interruptions for system maintenance or upgrades will be notified in advance by announcement or similar means (except in urgent security situations); handling required due to unlawful use, fraud risk, or requests of competent authorities follows Articles 9 through 13 and is not subject to the aforementioned notification procedures. The Platform uses reasonable commercial efforts to keep the services available but does not guarantee that services will be entirely uninterrupted or free of defects; no service-level commitments apply to the Free Trial Version.

Article 15 (Termination and Refunds) Termination of services and refunds are handled under the following rules (the Free Trial Version involves no refundable fees; the refund rules in items (1) through (3) apply only to Paid Services):

(1) Termination for breach: where the User breaches this Agreement (including the lawful use undertakings in Article 7), the Platform may terminate the services, and paid service fees already collected are non-refundable; where the Platform or a third party suffers losses, the User shall compensate under Article 25;

(2) Termination for convenience: where the Platform terminates Paid Services for business adjustment or similar reasons, it shall notify the User thirty (30) days in advance and refund prepaid fees on a pro rata basis for the unused period; where the Platform adjusts, suspends, or terminates the Free Trial Version, it will notify in advance by announcement or similar means, the User shall make its own advance arrangements for data backup and application migration, and, except where the Platform acts intentionally or with gross negligence, the User may not hold the Platform liable on such grounds;

(3) Termination required by competent authorities: where services are terminated pursuant to applicable laws or the requirements of competent authorities, they are handled in accordance with such requirements; absent specific requirements, refunds are handled by reference to the termination-for-convenience rules;

(4) Termination by the User: the User may stop using the services (including the Free Trial Version) at any time and may deactivate its account under Article 5.

Article 16 (Data upon Termination) After termination of services, the Platform will handle User data in accordance with the Privacy Policy and applicable laws: records related to unlawful acts or disputes may be retained by the Platform to the extent permitted by applicable laws and made available to competent authorities; ordinary data will be deleted or anonymized after a reasonable period. User data may be stored in or transferred to regions outside the User’s country or region, and the specific arrangements follow the Privacy Policy’s provisions on international data transfers.

Chapter VI: Personal Information and Data Protection

Article 17 (Personal Information and Data Protection) The processing of the User’s personal information (collection, storage, use, provision, disclosure, etc.) is governed by the Privacy Policy; where this Agreement is inconsistent with the Privacy Policy on personal information processing, the Privacy Policy prevails. Where the User, as an independent personal information controller, processes the personal information of its End Users, the User shall itself comply with applicable data protection laws, including preparing and publishing a privacy policy and obtaining End User consents as required by applicable laws; the Platform’s services are not directed to minors under sixteen (16) years of age, and the User must not knowingly collect personal information of minors under sixteen (16) through FinClip services; where processing of a minor’s personal information is genuinely required, the User shall obtain the consent of the minor’s guardian and satisfy the specific requirements of applicable laws. Rights granted to Users under the EU General Data Protection Regulation and other applicable laws are exercised in accordance with the corresponding arrangements in the Privacy Policy.

Chapter VII: Intellectual Property

Article 18 (Platform Intellectual Property) Intellectual property in the products, services, technologies, documentation, trademarks, logos, and the like provided by the Platform belongs to the Platform or its rights holders. Without the Platform’s written permission, no one may copy, distribute, display, mirror, reverse engineer, or otherwise use them without authorization, except where such restrictions are not permitted by applicable laws.

Article 19 (User Content) Intellectual property in mini-apps, applications, and related content developed by the User belongs to the User or its lawful rights holders. The User grants the Platform the rights necessary for operation, distribution, review, and security monitoring (including storage, caching, running, display, and technical inspection). The User warrants that its content does not infringe any third-party rights; otherwise the User bears full responsibility and holds the Platform harmless.

Article 20 (Brand and Name Usage) Without the Platform’s written consent, the User may not use the Platform’s brand identifiers such as “FinClip” or “FinoGeeks” in its application names, icons, descriptions, or domains, or use expressions sufficient to cause confusion as to an affiliation, cooperation, or endorsement relationship with the Platform.

Chapter VIII: Limitation of Liability

Article 21 (Services Provided “As Is”) The Platform provides all services (including the Free Trial Version) on an “as is” and “as available” basis and, to the maximum extent permitted by applicable laws, makes no express or implied warranties as to the accuracy, completeness, reliability, availability, merchantability, or fitness for a particular purpose of the services. The trial version may contain feature limitations and known defects, and the User shall evaluate and test it at its own discretion; where the User uses the trial version in a production environment or for commercial operations, the User shall itself ensure that the relevant security and compliance requirements are met and bears the corresponding business risks.

Article 22 (Liability Limitation Rules) To the maximum extent permitted by applicable laws, the Platform’s liability to the User for service interruptions, feature limitations, defects, or data loss is governed by the following rules:

(1) Free Trial Version: no service-level commitments apply; except for direct property losses caused by the Platform’s intent or gross negligence, the Platform is not liable for service interruptions, feature adjustments or termination, or data loss; the User shall complete backup of its own data under Article 11;

(2) Paid Services: for losses caused to the User by service interruptions or defects, the Platform’s total compensation shall not exceed the total fees actually paid by the User to the Platform for the relevant services during the twelve (12) months preceding the occurrence of the damage;

(3) Exclusion of indirect losses: the Platform is not liable for any indirect losses, loss of profits, business interruption losses, loss of goodwill, or loss of anticipated benefits from data loss; liability for data loss is allocated under items (1) and (2) of this Article;

(4) This Article and the other provisions of this Chapter do not apply to the extent that liability cannot be limited or excluded under mandatory provisions of applicable laws.

Chapter IX: Liability Boundary and Indemnification

Article 23 (Force Majeure and Third-Party Causes) For losses caused by force majeure or third-party causes (such as telecom system failures or cyberattacks), the Platform’s liability is mitigated or excused to the extent that it has exercised reasonable care and taken remedial measures; where the Platform becomes aware of security flaws, vulnerabilities, or similar risks in its products or services, it will promptly take remedial measures and, as required under applicable laws, notify Users or report to the relevant authorities.

Article 24 (Liability Boundary Between the User and End Users) To clarify the boundary of responsibility, liability between the User and the Platform is allocated under the following rules:

(1) The User is the developer and operator of its applications: for applications (including host applications into which the SDK is integrated and the mini-apps running therein) that the User develops, deploys, or operates using FinClip products or services (including the Free Trial Version), their functions, content, uses, business models, and operations are independently decided and controlled by the User, and all legal liability arising from them is borne by the User;

(2) End User disputes: any disputes arising from End Users’ downloading of, access to, or use of the User’s applications (including but not limited to transaction disputes, personal or property damage, consumer rights, personal information protection, and intellectual property) shall be handled and borne by the User as the responsible party; no contractual or direct transaction relationship arises between the Platform and End Users merely because the User uses FinClip technology;

(3) No misleading of End Users: the User must not, through privacy policies, user agreements, application interfaces, customer-service scripts, application names, or otherwise, lead End Users or the public to believe that the Platform is the operator, service provider, or liable party of the User’s applications; the User shall disclose its own operating entity information and contact details in or with the application in an appropriate manner, and shall comply with Article 20 on brand and name usage;

(4) Platform responsibility boundary: as a technical service provider, the Platform bears responsibility according to the rules under applicable laws. Any third party (including End Users) who considers that a User’s use of FinClip services infringes its rights and interests may file a complaint with the Platform under Article 13, and the Platform will verify in accordance with applicable laws and take necessary measures; where the Platform has taken enforcement measures, its responsibility for the continuation of the User’s conduct or the expansion of damage thereafter is mitigated or excused to the extent that the Platform has fulfilled its reasonable obligations.

Article 25 (User Indemnification and Recovery) Where the User breaches this Agreement or applicable laws, or where the User’s applications, content, or conduct gives rise to third-party complaints, claims, administrative penalties, litigation, or arbitration, the User shall handle the matter itself and bear all legal liability; where the Platform suffers losses (including but not limited to compensation payments, fines, reasonable attorneys’ fees, and other reasonable expenses), the User shall fully compensate the Platform and hold it harmless. Where the Platform is subject to third-party claims under the foregoing circumstances, it may require the User to handle the matter in the first instance and to cooperate in the defense; where the Platform handles the matter first or makes any payment, it may recover the full amount from the User.

Chapter X: Amendments and Notices

Article 26 (Notices) Notices given by the Platform to Users via email, Website announcements, or console notifications: a notice given by electronic means is deemed delivered upon successful transmission; a notice given by announcement is deemed delivered upon publication. The User shall keep its contact information true, valid, and updated; notices that cannot actually be known by the User due to incorrect contact information are nevertheless deemed delivered under the foregoing rules.

Article 27 (Amendments) The Platform may amend this Agreement in response to changes in applicable laws, regulatory requirements, or business needs; amendments will be publicized on the Website in advance. For amendments that materially and adversely affect Users’ rights, the Platform will publicize them at least thirty (30) days in advance. A User that objects shall notify the Platform within the public notice period and cease using the services, and the Platform will process refunds under the termination-for-convenience rules in Article 15(2); if the public notice period expires and the User continues to use the services, the User is deemed to have accepted the amendments.

Chapter XI: Governing Law and Dispute Resolution

Article 28 (Governing Law) The formation, validity, interpretation, performance, and dispute resolution of this Agreement are governed by the laws of the Hong Kong Special Administrative Region of the People’s Republic of China (excluding its conflict-of-laws rules). Nothing in this Agreement affects any rights that a User has as a consumer under the mandatory laws of the User’s place of residence that cannot be excluded.

Article 29 (Dispute Resolution) Any dispute arising out of or in connection with this Agreement or the FinClip services shall first be resolved through friendly consultation; failing consultation, either party may submit the dispute to the Hong Kong International Arbitration Centre (HKIAC) for arbitration in Hong Kong under the HKIAC Administered Arbitration Rules in force at the time of submission. The seat of arbitration is the Hong Kong Special Administrative Region, the language of the arbitration is English (unless otherwise agreed by the parties), and the arbitral tribunal is constituted in accordance with those rules. The arbitral award is final and binding on both parties.

Chapter XII: Miscellaneous

Article 30 (Severability) If any provision of this Agreement is held invalid or unenforceable, the validity of the remaining provisions is unaffected; the relevant provision shall be interpreted and adjusted, to the extent permitted by laws, in the manner closest to the parties’ intent.

Article 31 (Entire Agreement and Language Versions) This Agreement (including the Privacy Policy and other rules incorporated by public notice) constitutes the entire agreement between the parties with respect to the FinClip services and supersedes all prior oral or written agreements between the parties on the same subject matter. This Agreement is published in Simplified Chinese and in English; in case of any discrepancy between the two versions, the English version prevails.

Article 32 (Effectiveness and Version) This Agreement takes effect on the date of its publication on the Website; the effective date and last-updated date of each version are as publicized on the Website.

Privacy Policy

FinoGeeks Technology (Hong Kong) Limited
Hong Kong
Last Updated: [2025/12/03]

FinoGeeks Technology (Hong Kong) Limited (“FinoGeeks”, “we”, “us”, or “our”) is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard personal data when you visit our websites, use our products and services—including Super App-related solutions, Mini App Container technologies, SDKs, APIs, and management platforms—or interact with us in any other way.

By accessing or using our services, you consent to the practices described in this Privacy Policy.

Definitions

For the purposes of this Privacy Policy:

Personal Data means any information that identifies or can be used to identify an individual, such as name, email address, phone number, company, IP address, and similar information.
Services refers to all products, solutions, platforms, SDKs, documentation, websites, and customer-support services provided by FinoGeeks.
Usage Data means data collected automatically, such as device information, browser details, session duration, referring URLs, and interactions with our website or products.
Processing means any operation performed on Personal Data (collection, storage, use, sharing, deletion, etc.).
You or User means the individual accessing or using our Services, or the organization they represent.

Information We Collect

We may collect the following categories of information:

Personal Data You Provide

When you interact with us—such as submitting a lead form, requesting product information, signing up for demonstrations, or registering for developer accounts—we may collect:

Full name
Email address
Phone number
Company name
Job role or business information
Country or region
Any additional details you voluntarily submit

This includes information submitted through:

Google Ads lead forms
Website contact forms
Product registration portals
Customer support interactions

Automatically Collected Data

We may collect Usage Data such as:

Device type and operating system
Browser type and version
IP address (anonymized where required by law)
Pages visited and time spent
Clickstream and usage behavior
Crash logs and diagnostic information

This helps us improve product performance, stability, and security.

Cookies and Tracking Technologies

We use cookies and similar technologies to:

Enable website functionality
Remember your preferences
Analyze traffic patterns
Improve user experience

You may disable cookies in your browser settings, though some features may not function correctly.

How We Use Your Information

We use collected information to:

Provide, maintain, and improve our Services
Respond to inquiries and support requests
Deliver product updates, onboarding guidance, and demo invitations
Analyze usage to enhance performance and security
Personalize user experience and relevant communications
Conduct marketing and advertising campaigns
Comply with legal and regulatory obligations

We never sell your Personal Data.

If you are located in the European Union, we process Personal Data based on:

Consent (e.g., when submitting a lead form)
Legitimate interests (product improvement, fraud prevention, analytics)
Contractual necessity (providing registered services)
Legal obligations

We may share your information only with:

Service providers assisting with cloud hosting, analytics, email delivery, or customer support
Authorized partners or distributors involved in delivering product solutions or sales inquiries
Legal authorities, when required by law or to protect our rights
Business transferees, during mergers or acquisitions

All third parties are required to protect your data under strict confidentiality obligations.

We do not sell or trade Personal Data for advertising profit.

Data Retention

We retain Personal Data only as long as necessary to:

Fulfill the purposes described in this policy
Meet compliance requirements
Resolve disputes
Enforce agreements

If requested, we will delete your information in accordance with applicable laws.

Your Rights

Depending on your jurisdiction, you may have the right to:

Access your Personal Data
Correct inaccuracies
Request deletion
Opt-out of marketing communications
Request data portability
Withdraw previously granted consent

To exercise any rights, contact us using the information in Section 12.

Security of Your Information

We implement technical and organizational measures to protect your data, including:

Encryption
Access controls
Secure authentication
Network monitoring
Regular security assessments

However, no system is 100% secure. We encourage users to follow good security practices.

International Data Transfers

Your information may be transferred to and processed in regions outside your home country, including locations where data protection laws may differ.

We ensure such transfers comply with:

Standard Contractual Clauses (SCCs)
Applicable international privacy frameworks

Children’s Privacy

Our Services are not intended for children under 16, and we do not knowingly collect data from minors.

Changes to This Privacy Policy

We may update this Privacy Policy periodically. Changes will be posted with an updated “Last Updated” date. Continued use of our Services constitutes acceptance of the revised policy.

Contact Us

If you have questions, requests, or concerns about this Privacy Policy or our data-handling practices, please contact us at:

FinoGeeks Technology (Hong Kong) Limited
Hong Kong
Email: contact@finogeeks.com
Website: https://super-apps.ai/

Terms and Conditions