Terms of Use and Sale
Welcome to Sam Finn Reports. These Terms govern the use of our website, digital investment research reports, and related services.
By using our website or purchasing our research products, you agree to the applicable Terms.
1. About Sam Finn Reports
Sam Finn Reports is an independent investment research service operated from Finland.
We publish fundamentals-based research on publicly traded companies using a proprietary valuation model.
Website: https://samfinnreports.com
Contact: contact@samfinnreports.com
The legal identity and registered contact details of the service operator are available in our Legal Information section.
2. Purchases and Payments
Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.
Purchases are subject to Paddle's applicable Buyer Terms and Refund Policy.
Paddle processes payments, applicable taxes, receipts, and payment-related transactions.
The final purchase price, including applicable taxes, is displayed during checkout before payment confirmation.
Individual research reports are one-time purchases unless expressly stated otherwise.
3. Digital Delivery and Account Access
Following successful payment confirmation, purchased PDF reports become available for download on the Sam Finn Reports website.
Reports can be downloaded through the customer's personal account (My Account), using the email address provided during checkout.
Customers are responsible for providing a valid email address and maintaining the security of their account access.
If a report is missing, inaccessible, or downloaded incorrectly, please contact contact@samfinnreports.com.
We aim to resolve genuine delivery and access problems promptly and reasonably.
Technical delivery failures do not remove the customer's statutory rights.
4. Personal License and Intellectual Property
Each purchased report is provided under a personal, non-exclusive, non-transferable license for the purchaser's own research and informational use.
Customers may download, store, and read their purchased reports.
Without prior written authorization, customers may not:
- Resell, redistribute, or publicly publish purchased reports.
- Share report files or account access with unauthorized third parties.
- Reproduce substantial portions of reports for commercial distribution.
- Remove copyright notices or falsely claim ownership of our research.
- Systematically extract or reproduce proprietary research content for unauthorized commercial use.
All rights to our original research, valuation methodology, written content, charts, and other proprietary materials remain reserved.
Nothing in these Terms restricts uses permitted by applicable law.
5. Nature of the Research
Sam Finn Reports provides independent, general investment research for informational and educational purposes.
Our publications are not tailored to the financial circumstances, investment objectives, risk tolerance, or portfolio of any individual customer.
We do not provide personalized investment advice, portfolio management, or individualized instructions to buy, sell, or hold securities.
Purchasing a report does not establish an investment advisory relationship.
Customers remain responsible for their own investment decisions.
6. Model Estimates and Investment Risks
Our research uses a proprietary valuation framework based on reported financial information and defined analytical assumptions.
The model's metrics, including Intrinsic Value (IVP), Valuation, Margin of Safety, Estimated Cycle Time, and Estimated Annualized Return, are analytical estimates.
Intrinsic Value is not a guaranteed fair market price or a prediction of the future share price.
Valuation equilibrium and mean reversion are model assumptions and analytical concepts. Market prices are not guaranteed to converge toward estimated Intrinsic Value within any particular period, or at all.
Estimated returns are conditional model calculations, not promises, forecasts of actual realized returns, or guarantees of investment performance.
Financial markets involve substantial uncertainty. Investments can lose value, including the entire amount invested.
Historical relationships, statistical results, and past performance do not establish that similar outcomes will occur in the future.
Customers should independently assess the suitability and risks of any investment.
7. Accuracy, Updates, and Limitations
We make reasonable efforts to prepare accurate research using available financial information.
However, reported financial data may be revised, restated, incomplete, or subject to interpretation. Analytical assumptions and estimates may prove incorrect.
Reports reflect information and model results available at their stated publication or update date.
We may correct identified errors, revise calculations, or publish updated research when appropriate.
Unless expressly stated in the product description, a purchase does not include unlimited future updates or access to future editions.
We do not guarantee the accuracy of future market outcomes or the investment results of customers using our research.
8. Customer Support and Fair Treatment
We aim to treat customers fairly, respond constructively to genuine concerns, and correct identified problems whenever reasonably possible.
If a report contains a material error or cannot be accessed, we will investigate and seek an appropriate solution.
Depending on the circumstances, this may include restoring access, providing a corrected report, or assisting with a refund request through Paddle.
Our intention is to resolve legitimate customer problems without unnecessary disputes.
9. Fraud, Refund Abuse, and Misuse
Sam Finn Reports reserves the right to investigate suspected fraudulent activity, unauthorized redistribution, account misuse, and material violations of these Terms.
Examples include:
- Fraudulently claiming that a delivered and accessible report was never received.
- Repeatedly obtaining digital reports and deliberately abusing refund or payment dispute procedures.
- Distributing purchased reports without authorization.
- Using false identities or other deceptive methods to circumvent legitimate account restrictions.
Where supported by reasonable evidence, we may take proportionate measures, including restricting future purchases, suspending account access, or terminating access to our services.
Where appropriate, we may provide relevant evidence to Paddle or competent authorities in accordance with applicable law.
Legitimate refund requests, statutory withdrawal rights, good-faith complaints, and lawful payment disputes are not considered misuse merely because a customer exercises those rights.
Any restriction will respect applicable consumer rights, including rights relating to previously purchased digital content.
Refund decisions and payment disputes remain subject to Paddle's applicable procedures.
10. Limitation of Liability
To the maximum extent permitted by applicable law, Sam Finn Reports is not liable for investment losses or financial decisions made in reliance on general research publications.
We do not guarantee future investment returns, market prices, or the achievement of any estimated valuation outcome.
To the extent permitted by law, we are not responsible for indirect or consequential losses arising from interruptions or unauthorized use of the website.
Nothing in these Terms excludes or restricts liability for fraud, intentional misconduct, gross negligence where exclusion is prohibited, or any other liability or consumer remedy that cannot legally be excluded.
11. Conflicts of Interest
Sam Finn Reports and individuals associated with its research activities may hold financial interests, including share ownership, in companies covered by our research.
Such holdings do not determine the model's calculations or valuation methodology.
Material ownership interests and other relevant conflicts of interest will be disclosed in the applicable research report in accordance with legal and regulatory requirements.
Our research is intended to provide independent, fundamentals-based analysis rather than promote the financial interests of any particular investor or company.
12. Website Availability and Changes
We may update our website, research catalogue, technical systems, and future product offerings.
Temporary interruptions may occur because of maintenance, technical faults, or circumstances beyond our reasonable control.
We will make reasonable efforts to restore affected services.
Changes to these Terms will not retroactively remove mandatory rights associated with completed purchases.
13. Governing Law and Disputes
Sam Finn Reports operates from Finland.
These Terms concerning website use and research services are governed by Finnish law, without prejudice to mandatory consumer protection provisions or other laws that may apply.
Purchases processed by Paddle are additionally governed by Paddle's applicable buyer terms and dispute procedures.
To the extent legally permitted, disputes concerning Sam Finn Reports' own services shall be brought before the competent courts of Finland.
This provision does not remove any mandatory right of consumers to bring proceedings in another competent jurisdiction.
We encourage customers to contact us first so that concerns can be resolved fairly and efficiently.
14. Privacy
Our processing of personal information is described in our Privacy Policy.
Paddle processes payment-related information under its applicable privacy arrangements.
15. Contact
For research-related questions, report access, or technical support:
contact@samfinnreports.com
For payment-related customer service and refunds: