Risk Disclosure Statement

User Agreement

Effective Date: 2022-04-09 07:06:07

The Insidefinacent User Agreement sets forth the rights and obligations between the user and the Insidefinacent platform regarding various services and constitutes a legally binding contract.

By registering and using this website and/or application, the user acknowledges and agrees to all the terms and conditions of this User Agreement. Both Insidefinacent and the user have carefully read, understood, and accepted all provisions of this agreement, as well as the legal statements and operational rules issued by Insidefinacent. These documents will serve as the basis for determining the rights and obligations of both parties.

The Insidefinacent Legal Statement forms an integral part of this agreement. By accepting this agreement, the user is deemed to have accepted the full content of the Insidefinacent Legal Statement. The contents of this agreement include the main body of the agreement and any rules, statements, and notices already published or to be published by Insidefinacent, all of which are equally legally binding.

  1. User Services

    1. Insidefinacent provides users with an online private credit investing platform. Users can participate in private credit investment opportunities (including but not limited to loans, notes, and other credit instruments) via the platform. Insidefinacent does not act as a borrower or lender in any transaction and does not guarantee the performance of any borrower or investment.
    2. Users are entitled to view investment opportunities, performance information, and related data on the platform, and may submit investment instructions and complete transactions via the platform in accordance with applicable product documentation and platform rules.
    3. Users have the right to access their account information and utilize the platform’s features as made available by Insidefinacent from time to time.
    4. Users may participate in promotional activities organized by the platform, in accordance with Insidefinacent’s published rules and conditions of such activities.
    5. Users must comply with all applicable laws, regulations, and policies. All funds invested or held within their accounts must have a legal origin. Users may not use the platform for any illegal activities or any action that infringes the rights of the platform or third parties, including but not limited to: sending unlawful content, engaging in fraud, money laundering, terrorist financing, or any other prohibited conduct.
    6. Users are responsible for properly securing their account credentials, login passwords, transaction passwords, registered mobile numbers, email accounts, and verification codes. The user bears full responsibility for all activities conducted under their account. If unauthorized access or other security issues are discovered, the user must promptly notify the platform. Insidefinacent will respond within a reasonable time but is not responsible for any losses incurred before action is taken. Without prior written consent from Insidefinacent, users may not transfer, lease, lend, or otherwise allow third parties to use their account.
    7. Users must comply with this agreement and any service terms, investment documentation, or operational rules published by Insidefinacent from time to time.

  2. User Rights and Obligations

    1. Users have the right to access Insidefinacent’s private credit investing services under the terms of this agreement and any applicable product or offering documentation.
    2. Users may terminate their use of the platform services at any time, subject to the completion of all outstanding obligations and the terms of any ongoing investments or contractual commitments.
    3. Subject to product-specific terms, regulatory requirements, and applicable fees, users may request withdrawals of available funds or proceeds from their account balance.
    4. Users are responsible for the authenticity, accuracy, completeness, and security of the personal and financial information provided during registration or subsequent updates. Users shall promptly update any information that changes.
    5. Users may not maliciously interfere with investment activities or disrupt normal transaction processes, including but not limited to: manipulating transactions, spreading false information, or engaging in any behavior that adversely affects platform operations or other users.
    6. Users may not use technical or other means to disrupt the platform’s operations, interfere with the normal functioning of the website or application, or attempt to gain unauthorized access to systems or data.
    7. In the event of a dispute with another user or counterparty, platform data cannot be requested directly from Insidefinacent unless through valid legal or administrative procedures or as otherwise required by law.
    8. Users must not maliciously damage Insidefinacent’s reputation through fabricated information, misleading statements, or other similar conduct. Insidefinacent reserves the right to pursue legal remedies for reputational harm.

  3. Insidefinacent Rights and Obligations

    1. If a user fails to meet the registration qualifications set forth in this agreement or in applicable laws and regulations, Insidefinacent reserves the right to reject or terminate the registration. Insidefinacent may seek compensation for any resulting losses. The platform also reserves the right to determine registration eligibility under other circumstances permitted by law.
    2. If the platform reasonably suspects the user’s information to be false, inaccurate, incomplete, or misleading, it may request correction and/or suspend or terminate the user’s access to some or all services.
    3. The platform reserves the right to correct any obvious errors in displayed information (including but not limited to pricing, yields, or product terms), and to modify, suspend, or terminate all or part of the services without prior notice when necessary. Announcements made on the website or application are considered effective immediately upon publication.
    4. The platform will take necessary technical and administrative measures to promote system stability and orderly investment operations, including risk controls, security measures, and maintenance.
    5. If a user fails to log in for three consecutive years, the platform has the right to cancel the user’s account and make the username available to other users, subject to applicable laws and the handling of any remaining balances or unclaimed assets in accordance with legal requirements.
    6. Insidefinacent is responsible for enhancing technical and security measures to protect user data and funds held on behalf of users. In the event of foreseeable significant risks (such as major system upgrades, market disruptions, or legal changes that may materially impact users), the platform is obligated, where reasonably practicable, to inform users in advance via announcements or notifications.
    7. The platform reserves the right to delete, block, or restrict any content that violates laws, regulations, regulatory requirements, or platform rules, without prior notice.

  4. Special Statement

    To the extent permitted by law, Insidefinacent is not liable for any service interruption, suspension, or delays caused by events including but not limited to: system maintenance, network issues, power outages, strikes, labor disputes, riots, insurrections, natural disasters, war, government actions, judicial or administrative orders, force majeure events, or the inaction or failure of third-party service providers.

  5. Customer Support

    Insidefinacent maintains a customer service team and a support system to facilitate effective communication and the prompt handling of user inquiries, complaints, and feedback. Users may contact support through the official channels indicated on the platform.

  6. Intellectual Property

    1. All intellectual property on the Insidefinacent platform — including but not limited to logos, trademarks, service marks, databases, website design, text, images, software, audio, video, source code, and other content — is owned or licensed by Insidefinacent. Users may not copy, modify, distribute, reproduce, transmit, display, or use such content for commercial or public purposes without prior written consent from Insidefinacent.
    2. All rights to the platform name "Insidefinacent" and any associated logos, marks, or branding (including but not limited to trademarks and goodwill) belong exclusively to Insidefinacent.
    3. By accepting this agreement, users agree that any content they publish or upload on the platform (including but not limited to text, images, comments, feedback, and other materials) grants Insidefinacent a worldwide, exclusive, royalty-free, perpetual, and irrevocable license to use, reproduce, modify, adapt, translate, distribute, perform, display, and sublicense such content in any media. Insidefinacent has the right to independently pursue legal action for infringements by third parties. This clause is intended to constitute a written agreement under applicable copyright laws and conventions and applies to any user content published on the platform, regardless of when it was created.
    4. Users must not infringe upon the intellectual property rights or other legitimate rights and interests of Insidefinacent or any third party when using the service. Users shall be solely responsible for any damages resulting from such infringement.

  7. Privacy Policy

    1. Users are required to provide certain personal information (such as identity information, contact details, and financial details) when registering an account and using Insidefinacent services, as described in the Insidefinacent Privacy Policy.
    2. The platform may automatically collect technical information, including but not limited to IP addresses, device information, and access logs, to maintain security and improve services.
    3. The platform records user transaction and investment data, including orders, subscriptions, redemptions, and completed trades, for operational, compliance, and reporting purposes.
    4. The platform may, to the extent permitted by law, collect and process personal information of other users or related parties as necessary for service provision, compliance, and risk management.
    5. Insidefinacent will not sell or rent personal information to third parties without the user’s prior consent, nor will it permit third parties to collect, edit, or distribute personal information in violation of applicable laws or this agreement.
    6. Insidefinacent is committed to maintaining the confidentiality of user identity information and transaction data, except where disclosure is required by law, regulation, court order, regulatory request, or with the user’s consent. More details are set out in the Insidefinacent Privacy Policy, which forms an integral part of this agreement.

  8. Anti-Money Laundering and Compliance

    1. Insidefinacent complies with applicable anti-money laundering (AML), counter-terrorist financing (CTF), sanctions, and related laws and regulations in relevant jurisdictions, and maintains user identification, transaction monitoring, and suspicious activity reporting systems.
    2. Users must submit valid and accurate identification documents and information during registration or when requested to update their profile. If the platform reasonably suspects identity fraud, misuse of identity, or other irregularities, it may reject or terminate the registration or restrict service access.
    3. The platform retains transaction records in accordance with applicable regulations and may provide such data to competent authorities, regulators, or law enforcement agencies upon lawful request or as required by law.
    4. Insidefinacent may retain identity information and suspicious transaction records and may, where required by law or regulation, freeze or seize customer funds, restrict access to accounts, or take other necessary actions to comply with legal obligations.
    5. For compliance, risk management, and asset protection purposes, the sender’s name on deposits or transfers must match the registered real-name or verified identity. Insidefinacent may refuse or reverse transactions that do not comply with this requirement.

  9. Breach of Contract

    1. Any party violating this agreement shall be held liable for breach of contract in accordance with applicable law and this agreement.
    2. If a user provides false, misleading, or incomplete information that results in loss or damage to the platform, Insidefinacent has the right to seek compensation and take appropriate legal measures.
    3. If a user engages in illegal activity or conduct that violates this agreement, Insidefinacent may immediately terminate services, restrict access to the account, cancel the account, and claim compensation for any losses incurred.
    4. If a user disrupts the platform via technical means or other malicious actions, Insidefinacent may cancel the account, restrict access, and claim damages for any resulting loss.
    5. If a user maliciously defames or damages the reputation of Insidefinacent through fabricated information, false statements, or similar acts, Insidefinacent may demand a public apology, seek compensation for damages, and terminate services to the user.

  10. Effectiveness and Interpretation

    This agreement becomes effective once the user completes the registration process and receives an account and password (or other login credentials), or when the user otherwise first uses the services of Insidefinacent. It is legally binding on both the platform and the user. Insidefinacent reserves the right to interpret and explain the terms of this agreement to the extent permitted by law.

  11. Modification and Termination

    1. Modification: Insidefinacent reserves the right to modify this agreement or its operational rules at any time. Changes will take effect upon publication via website or application announcement, or by other reasonable means of notification. Continued use of the service after such publication indicates acceptance of the changes. If the user disagrees with any changes, they should immediately stop using the services and may apply to close their account, subject to the fulfillment of outstanding obligations.
    2. Termination:
      1. Insidefinacent may cancel or suspend a user’s account in accordance with this agreement or applicable law. Upon such cancellation, this agreement terminates on the date of account cancellation, except for provisions that by their nature should survive termination (such as intellectual property, liability, and dispute resolution).
      2. If Insidefinacent terminates all services, this agreement ends on the date services are terminated, subject to any necessary transitional arrangements required by law or regulation.
      3. Upon termination of this agreement or closure of the account, the user may not request Insidefinacent to retain, restore, or forward any data, information, or content previously stored on the platform, except as required by law.
      4. Termination of this agreement does not exempt the breaching party from liability for any prior breach, nor does it affect any rights or remedies accrued prior to termination.
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Risk Warning | Private credit investments carry risks, including possible loss of principal. These offerings are often illiquid, and investors may be unable to exit positions before maturity. Returns are not guaranteed, and past performance is not indicative of future results. Insidefinacent evaluates investment objectives, risks, and costs before making offerings.

By using the Insidefinacent platform and services, you acknowledge that you have read, understood, and agree to be bound by this disclaimer.