Terms, privacy, risk, and cookies. In plain language.

Document 01

Terms of Service

The agreement between you and PT Beyonder Technology for the use of Finemark. By joining the waitlist, creating an account, or paying for access, you agree to these terms.

1. Who we are and what Finemark is

Finemark ("Finemark", "we", "us", "our") is a product of PT Beyonder Technology, a company organised under the laws of the Republic of Indonesia (registered in Indonesia; full registered address and company number (NIB) available on request). You can reach us at support@beyondertech.com.

Finemark is self-directed trading software and analytics. It is a transparency-first, rules-based gold (XAUUSD) trend-following system that you run on your own broker or demo account. We provide the software, a dashboard, a backtest Strategy Lab, and notifications. We do not provide a managed-money service, a pooled investment, a signal-selling subscription, or licensed investment or futures advice. We never receive, hold, pool, or manage your funds, and we never trade on your behalf.

2. The licence model - what you are paying for

Your subscription is a fixed-price software licence. You pay a stated, fixed fee for a stated period of access to the software and dashboard. That is the entire bargain.

• The fee is not an investment, not a deposit, and not a contribution to any fund. It gives you no claim to any profit, return, or distribution of any kind.
• We make no profit claim and promise no rate of return whatsoever. Any backtest figure shown is a 22-year historical simulation, clearly labelled, and is not a forecast.
• We grant you a personal, non-exclusive, non-transferable, revocable licence to use Finemark for your own trading research and execution. You may not resell, sublicense, redistribute, or operate Finemark as a service for third parties.

3. Eligibility and age

You must be at least 18 years old and have the legal capacity to enter a binding contract in your jurisdiction. Finemark is not directed at children and is not appropriate for minors. You must not use Finemark where doing so, or where margin trading of gold or forex, is unlawful for you. If you are in Indonesia, you are responsible for using a broker licensed by Bappebti.

4. Your account, your broker, your risk

You connect and run Finemark against your own broker or demo account. You are solely responsible for that account, your broker relationship, your capital, your position sizing, and every order that results from your use of the software.

• You bear all trading risk. Trading gold and derivatives carries a high risk of loss and you can lose all of your capital. See the Risk Disclosure, which forms part of these terms.
• You are responsible for the security of your own broker credentials, API keys, and account. We never ask for, and do not want, custody of your broker login or your money.
• You are responsible for the legality of your broker and for complying with the laws, tax rules, and licensing requirements of your jurisdiction.

5. Acceptable use

You agree not to:

• Use Finemark for any unlawful purpose, including market manipulation, fraud, or money laundering.
• Resell, rent, sublicense, or expose Finemark or its output to third parties as a signal service, a managed account, or a copy-trading service.
• Reverse-engineer, decompile, scrape at scale, or attempt to extract the source beyond what the licence permits, except where such restriction is prohibited by law.
• Interfere with, overload, or attempt to gain unauthorised access to our systems, the dashboard, or other users' data.
• Misrepresent Finemark to others as guaranteed, risk-free, or as managed-money or advisory service. It is none of those.

6. No warranty

Finemark is provided "as is" and "as available", without warranties of any kind, whether express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the software will be uninterrupted, error-free, available at any particular time, or that any signal, dashboard figure, or alert will be accurate, timely, or delivered. Market data, broker connectivity, and third-party services can fail. The strategy can and will have losing periods.

7. Limitation of liability

To the maximum extent permitted by applicable law, PT Beyonder Technology and its team will not be liable for any trading losses, lost profits, lost data, or any indirect, incidental, special, consequential, or punitive damages arising out of or relating to your use of Finemark, even if we have been advised of the possibility. Trading decisions are yours; the consequences of those decisions are yours.

Where liability cannot be excluded by law, our total aggregate liability to you for any claim is limited to the amount you actually paid us for the licence in the three (3) months before the event giving rise to the claim. [VERIFY-COUNSEL] Indonesian consumer-protection law (UU 8/1999) limits how far liability can be excluded against a consumer; this clause is read subject to those mandatory rights.

8. Cancellation, billing, and refunds

• You can cancel at any time. On cancellation, your access continues until the end of the period you have already paid for, and does not renew after that.
• Because Finemark is a digital software product delivered immediately, fees are non-refundable once dashboard access has been granted and you have logged in.
• Pre-charge / waitlist exception. During the founding phase, joining the waitlist does not charge you. If you are pre-charged before access is granted, you may request a full refund within seven (7) days of the charge, provided you have not yet been given dashboard access. Request it at support@beyondertech.com.
• Payments are taken through our payment processors (see the Privacy Policy). Taxes, where applicable, may be added at checkout. [VERIFY-COUNSEL] Final refund wording must be reconciled with Indonesian consumer-protection rules and any mandatory cooling-off period before paid ID subscriptions open.

9. Suspension and termination

We may suspend or end your access if you breach these terms, misuse the service, or use it unlawfully. You may stop using Finemark and close your account at any time by contacting us. Sections that by their nature should survive (licence restrictions, no-warranty, limitation of liability, governing law) survive termination.

10. Changes to these terms

We may update these terms as the product, our processors, or the law changes. When we make a material change, we will update the "Last updated" date at the top of this page and, where we hold your email, notify you. Your continued use after a change takes effect means you accept the updated terms. If you do not agree, stop using Finemark and cancel.

11. Governing law and disputes

These terms are governed by the laws of the Republic of Indonesia. The courts of Indonesia (the competent courts of the Republic of Indonesia) have jurisdiction over any dispute, without prejudice to any mandatory consumer right you have to bring a claim in your local courts. [VERIFY-COUNSEL] Choice of forum and any arbitration clause should be confirmed with counsel, especially for non-Indonesian users.

12. Contact

Questions about these terms: support@beyondertech.com.

Document 02

Privacy Policy

How PT Beyonder Technology collects, uses, and protects your personal data. Written to Indonesia's UU PDP (Law 27/2022) and, for users in the EU and UK, the GDPR.

1. Who is the data controller

The data controller (pengendali data pribadi) is PT Beyonder Technology (registered in Indonesia; address available on request). For any privacy matter, contact support@beyondertech.com. [VERIFY-COUNSEL] Whether Finemark must appoint a Data Protection Officer under UU PDP depends on the scale and nature of processing; confirm before launch.

2. What we collect, and why

We collect only what the product actually needs at each stage. Today that is:

3. We never sell your data

We do not sell, rent, or trade your personal data, and we do not share it for third-party advertising. We share data only with the processors listed below, only to run the service, and only as much as each needs.

4. Processors and third parties

We use a small set of service providers (processors) who handle data on our instructions:

As a Merchant of Record, Polar acts as the seller of record for USD transactions and handles much of the related tax and compliance load. Each processor handles your data under its own terms and security; we choose processors we believe handle data responsibly. [VERIFY-COUNSEL] A processing agreement (and, for EU/UK transfers, Standard Contractual Clauses) should be in place with each processor before serving EU users at scale.

5. How long we keep it

• Waitlist email: until the founding phase opens and we have notified you, or until you ask us to remove it, whichever comes first.
• Account data: for as long as your account is active, then deleted or anonymised within a reasonable period after closure, unless we must keep it longer by law.
• Payment and tax records: kept for the period required by Indonesian tax and accounting law.
• Analytics: kept in aggregated or short-lived form only.

6. Cross-border transfer

Some of our processors (for example Polar and Telegram) store or process data outside Indonesia. Where your data is transferred across borders, we rely on the lawful-transfer mechanisms under UU PDP and, for EU/UK data, on appropriate safeguards such as Standard Contractual Clauses. [VERIFY-COUNSEL] The adequacy and transfer mechanism for each processor's location should be confirmed with counsel.

7. Your rights, and how to use them

Under UU PDP (and the GDPR, if it applies to you), you have the right to:

• access the personal data we hold about you, and get a copy;
• correct data that is inaccurate or incomplete;
• ask us to delete your data, or restrict or object to certain processing;
• withdraw consent at any time (for example, unsubscribe from the waitlist or turn off Telegram alerts), without affecting processing already done;
• data portability, where it applies;
• lodge a complaint with the relevant supervisory authority.

To exercise any of these, email support@beyondertech.com. We will respond within the timeframe the law requires.

8. Security and breach notification

We take reasonable technical and organisational measures to protect your data, including access controls, encrypted transport (HTTPS), and keeping payment card data with the processor rather than on our systems. No system is perfectly secure. If a personal-data breach occurs, we will notify the affected data subjects and the relevant authority as required - under UU PDP (Article 46) this is within 3 x 24 hours of becoming aware of the breach.

9. Children

Finemark is for adults (18+). We do not knowingly collect data from children. If you believe a minor has given us data, contact us and we will delete it.

10. Changes to this policy

If we change this policy, we will update the "Last updated" date and, for material changes, notify you where we hold your email.

11. Contact

Data controller: PT Beyonder Technology. Privacy contact: support@beyondertech.com.

Document 03

Risk Disclosure

The honest version. Read this before you use Finemark with any money. Trading gold carries a high risk of loss, and nothing here is a promise of profit.

1. Finemark is software, not advice and not managed money

Finemark is self-directed trading software and analytics that you run on your own broker or demo account. It is not a managed-money service, not a pooled investment, not a licensed investment or commodity-futures advisory, and not a solicitation to invest in any instrument. We never receive, hold, pool, or manage your funds, and we never trade on your behalf. All trading decisions and responsibility rest entirely with you.

2. Not financial advice

Everything on this platform - Strategy Lab verdicts, backtest results, dashboard data, and Telegram alerts - is for educational and analytical purposes only. Nothing here is financial, investment, legal, or tax advice, and nothing here is a personalised recommendation to buy or sell any instrument. Make your own decisions, and take professional advice where you need it.

3. Backtest results are hypothetical

All performance figures other than the short live track record are from a 22-year backtest (2004-2026, 33,616 H4 bars). Backtest results are hypothetical - they are simulated on historical data, not actual trades - and they do not account for all execution costs, slippage, spreads, or real-market conditions. Backtest results do not predict or guarantee future results. Every backtest figure we show is labelled as a 22-year backtest in the same place it appears.

4. The live record is demo-only and very short

The live track record on the dashboard is from a demo account with no real money, it has run for roughly one week, it contains a very small number of trades, and it is currently slightly negative. At this sample size that number is statistical noise, not proof of performance. We show it anyway, because hiding it would be the dishonest thing to do.

5. No guarantee, no return promise

We make no profit guarantee and promise no rate of return whatsoever. Your subscription is a fixed-price software licence; the fee is not an investment deposit and gives you no claim to any profit. Past performance, backtested or live, is not indicative of future results.

6. Self-directed - your account, your responsibility

You run Finemark on your own account, with your own capital, through your own broker. You are responsible for your position sizing, your risk limits, your broker's reliability and execution, your taxes, and for complying with the law where you live. If you are in Indonesia, only use a broker licensed by Bappebti.

7. Indonesia - Bappebti position (good faith, not a ruling)

In Indonesia, gold and forex margin trading is regulated under Bappebti (commodity futures), not OJK securities rules. Bappebti licenses futures brokers (Pialang Berjangka) and futures advisors (Penasihat Berjangka) - the latter being parties who give advice on futures or options trading for compensation, directly or through electronic media.

On our good-faith analysis, Finemark is self-directed software you install and run on your own account: we do not execute trades for you, we hold no advisory mandate, we give no personalised buy or sell recommendation, and we receive or manage no client funds. On that basis our position is that Finemark is not a Bappebti-regulated Penasihat Berjangka service. This is our position, not a legal ruling. [VERIFY-COUNSEL] A licensed Indonesian advocate should confirm this classification before paid Indonesian subscriptions open. PSE registration with Komdigi will be completed before that point.

8. Not affiliated with MetaQuotes or any broker

Finemark is not affiliated with, endorsed by, or sponsored by MetaQuotes Software Corp., MetaTrader, or any broker. The live demo runs on a third-party demo account. Names of platforms and brokers are used only to describe compatibility.

Document 04

Cookie Policy

The accurate version. This marketing site is deliberately light, so this is short - we describe exactly what loads and nothing more.

1. This site sets no tracking cookies

The Finemark marketing site (this site) does not set tracking or advertising cookies, and it does not use cross-site trackers or fingerprinting. We do not run a cookie consent banner because, as built today, there is nothing tracking you to consent to.

2. What the site actually loads

• Google Fonts (CDN). The page loads the Space Grotesk, Inter, and JetBrains Mono fonts from Google's font CDN. This means your browser makes a request to Google's servers, which can see your IP address and request metadata as part of serving the fonts. We do not control Google's handling of that request. The page is built with system-font fallbacks, so it still reads correctly if the fonts do not load.
• The waitlist form. When you submit your email to the founding waitlist, the form posts to a first-party endpoint on our own domain. It stores the email you give us so we can notify you when the founding phase opens (see the Privacy Policy). It does not set a tracking cookie to do this.

3. Strictly necessary cookies (if and when used)

If and when you log into the paid dashboard, we may set a strictly necessary cookie to keep you signed in for the length of your session. A session cookie of that kind exists only to make the login work and is not used to track you across sites. The marketing pages themselves do not require it.

4. If we add analytics later

We may add a privacy-respecting, first-party web analytics tool later (for example, a self-hosted analytics instance). If we do, we will update this policy to name the tool, say what it measures, and state whether it sets any cookie - and we will add a consent mechanism if the tool or the law requires one. We will not add third-party advertising or cross-site tracking cookies.

5. Contact

Questions about cookies or tracking: support@beyondertech.com.