2. About Finspire

Finspire Technologies LLC is a Qatar-registered fintech company focused on addressing long-term financial security gaps, particularly for expatriates and private-sector employees.

Finspire’s core offering, Pension Beyond, is supported by integrated financial literacy tools, personal financial management features, and technology-enabled insights to help users make informed and responsible long-term planning decisions.

Finspire operates as a technology enabler and does not act as a bank, custodian, or licensed investment advisor.

3. Primary Product: Pension Beyond

3.1 Product Overview

Pension Beyond is a micro-retirement planning framework designed to help individuals structure long-term financial security through defined, repeatable contribution cycles, rather than a single end-of-career retirement event.

The framework is designed to reflect:

• modern employment patterns,

• workforce mobility,

• expatriate-dominated markets, and

• real-life financial milestones.

3.2 How Pension Beyond Works

• Users contribute small, regular amounts over defined time horizons (e.g., 10-year cycles).

• Contributions, where applicable, are processed directly by licensed financial institutions.

• Finspire does not receive, hold, or manage user funds.

• Finspire provides:

  • onboarding and data collection,

  • technology integration with partner institutions,

  • dashboards and visibility into balances and progress.

3.3 Custody and Financial Roles

To avoid misunderstanding:

• Finspire does not act as a custodian or trustee.

• All financial assets remain under the custody and fiduciary responsibility of regulated banks or financial institutions.

• Any investment, contribution, or withdrawal terms are governed by the partner institution’s agreements.

4. Supporting Features (Ancillary to Pension Beyond)

4.1 Financial Literacy & Personal Financial Management

Finspire provides budgeting, goal-setting, and educational tools to:

• improve financial awareness,

• support contribution discipline,

• help users understand long-term planning concepts.

These features are supportive and educational tools, it is not professional advice.

4.2 AI-Enabled Insights (Where Available)

Technology-assisted analysis may be used to:

• categorize transactions,

• summarize financial behavior,

• provide educational insights relevant to long-term planning.

AI-generated outputs are informational only and may not always be accurate or complete.

5. What Finspire Does NOT Do

Finspire clearly states that it does not:

• provide personalized investment, legal, or tax advice,

• guarantee returns or financial outcomes,

• hold or control user funds,

• execute payments or withdrawals on behalf of users (unless explicitly disclosed in future product addendums).

6. Eligibility and Suitability

Pension Beyond is intended for users who:

• meet eligibility criteria communicated at onboarding,

• understand basic financial concepts,

• seek structured, long-term financial planning support.

Users are responsible for determining whether the product is suitable for their personal circumstances.

7. Fees and Charges

• Some features may be offered free of charge.

• Any fees applicable to Pension Beyond or related services will be:
  
  
  

  • clearly disclosed in advance,

  • transparent and accessible,

  • subject to user consent before activation.

There are no hidden fees.

8. Key Risks and Limitations

Users should consider the following:

• Long-term planning involves financial and market risks.

• Projections and insights are not guarantees.

• Partner institution terms may change.

• Regulatory or operational changes may affect product availability.

Participation in Pension Beyond does not eliminate financial risk.

9. Data Protection and Privacy

Finspire processes personal data in accordance with:

• Qatar Personal Data Privacy Protection Law (Law No. 13 of 2016),

• applicable regulatory guidance,

• Finspire’s published Privacy Policy.

Users retain full rights over their personal data, including consent withdrawal and access requests.

10. Consumer Rights and Complaints

Finspire ensures:

• fair and respectful treatment,

• clear disclosure and communication,

• accessible complaint handling.

Complaints may be submitted at  support@finspireapp.com

Complaints are reviewed and resolved promptly and confidentially.

11. Changes to the Product or This Disclosure

Finspire may update Pension Beyond or this Disclosure to reflect:

• regulatory developments,

• product enhancements,

• operational or partner changes.

Material changes will be communicated clearly before taking effect.

12. Acknowledgment

By using Finspire and participating in Pension Beyond, users acknowledge that they have:

• read and understood this Product Disclosure,

• understood Finspire’s role as a technology enabler,

• accepted the benefits, limitations, and risks described.