Terms and Conditions

Last Updated: January 22, 2026

Welcome to FinLiterate. These Terms and Conditions ("Terms") govern your use of our website at https://finliterate.net and our web application at https://app.finliterate.net (collectively, the "Service"). By accessing or using FinLiterate, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using FinLiterate, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

You must be at least 13 years old to use FinLiterate. If you are under 18, you must have permission from a parent or legal guardian to use the Service.

2. Description of Service

FinLiterate is a personal finance management tool that helps users:

• Track income and expenses
• Categorize transactions
• Set and monitor budgets
• Manage multiple currencies
• Track recurring transactions and subscriptions
• Visualize spending patterns through charts and reports

The Service is provided on an "as-is" and "as-available" basis. We reserve the right to modify, suspend, or discontinue any part of the Service at any time without notice.

3. User Accounts

3.1 Account Creation

To use FinLiterate, you must create an account by providing:

• A valid email address
• A secure password
• Any other required information

3.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access or security breach

You agree not to share your account credentials with anyone else or allow anyone else to access your account.

3.3 Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Engage in fraudulent or illegal activities
• Attempt to harm or disrupt the Service
• Use the Service in a way that could damage our reputation

You may delete your account at any time from within the application settings.

4. User Conduct and Prohibited Uses

You agree NOT to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to our systems or other users' accounts
• Upload viruses, malware, or other malicious code
• Scrape, spider, or crawl the Service with automated tools
• Reverse engineer, decompile, or disassemble any part of the Service
• Use the Service to harass, abuse, or harm others
• Impersonate any person or entity
• Interfere with or disrupt the Service or servers
• Create multiple accounts for abusive purposes
• Sell, rent, or commercialize access to the Service

5. User Content and Data

5.1 Your Data

You retain all ownership rights to the financial data and information you input into FinLiterate. By using the Service, you grant us a limited license to:

• Store your data on our servers
• Process your data to provide the Service features
• Use anonymized, aggregated data for analytics and service improvements

5.2 Data Accuracy

You are responsible for:

• The accuracy of all data you input into FinLiterate
• Regularly reviewing your data for errors
• Making financial decisions based on your data

FinLiterate is a tracking tool, not financial advice. We do not verify the accuracy of your data and are not responsible for any financial decisions you make based on information in the Service.

5.3 Data Backup

While we implement backup procedures, you are responsible for maintaining your own backup of important financial data. We recommend regularly exporting your data.

6. Intellectual Property

6.1 Our Rights

FinLiterate, including all content, features, functionality, source code, and design, is owned by us and protected by copyright, trademark, and other intellectual property laws.

You may not:

• Copy, modify, or distribute our software or content
• Use our trademarks or branding without permission
• Create derivative works based on FinLiterate

6.2 License to Use

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use FinLiterate for personal, non-commercial purposes, subject to these Terms.

7. Financial Disclaimer

IMPORTANT: FinLiterate is a financial tracking tool only. We do not provide:

• Financial advice, recommendations, or guidance
• Tax preparation or tax advice
• Investment advice or portfolio management
• Legal or accounting services

You should consult qualified financial, tax, legal, or accounting professionals for advice specific to your situation. Any financial decisions you make are solely your responsibility.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

FinLiterate is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or availability

WE ARE NOT LIABLE FOR:

• Any errors, inaccuracies, or omissions in your data
• Financial losses resulting from your use of the Service
• Data loss, corruption, or unauthorized access to your account
• Service interruptions, downtime, or technical issues
• Any indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, or business opportunities

MAXIMUM LIABILITY: In no event shall our total liability to you for all claims exceed the amount you paid us in the past 12 months (which is $0 for free users).

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above limitations may not apply to you.

9. Indemnification

You agree to indemnify, defend, and hold harmless FinLiterate, its owners, employees, and affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Any data you submit to the Service

10. Third-Party Services

FinLiterate uses third-party services for hosting, authentication, infrastructure, and payment processing:

• Google Cloud Platform and Firebase: For hosting, authentication, and database services
• Stripe: For payment processing and subscription management (Premium upgrades)

Your use of these services is subject to their respective terms of service and privacy policies:

• Stripe Terms: https://stripe.com/legal
• Stripe Privacy: https://stripe.com/privacy

We are not responsible for:

• The availability or performance of third-party services
• Changes to third-party services that affect FinLiterate
• The privacy practices of third-party services (see our Privacy Policy)

11. Payments and Subscriptions

11.1 Free and Premium Tiers

FinLiterate offers both free and Premium subscription tiers:

• Free Tier: Includes basic expense tracking and budgeting features with certain limitations
• Premium Tier: Provides unlimited access to all features, including unlimited categories, full historical data, family sharing, and more

11.2 Payment Processing

All payments are processed securely through Stripe, our third-party payment processor:

• Payment card information is collected and stored by Stripe, not by FinLiterate
• You will be redirected to Stripe's secure checkout page to complete your purchase
• Stripe's payment processing is subject to Stripe's Terms of Service
• We do not have access to your full payment card details

11.3 Billing and Renewal

• Premium subscriptions are billed on a recurring basis (monthly or annually, as selected)
• Your subscription will automatically renew unless you cancel before the renewal date
• You can manage your subscription, update payment methods, and view invoices through the Stripe Customer Portal
• Pricing is displayed during checkout and may be subject to change with notice to existing subscribers

11.4 Free Trial

We may offer a free trial period for Premium subscriptions. If you do not cancel before the trial ends, you will be charged for the subscription.

11.5 Cancellation and Refunds

• You may cancel your Premium subscription at any time through your account settings or the Stripe Customer Portal
• Upon cancellation, you will retain Premium access until the end of your current billing period
• Refunds are handled on a case-by-case basis - please contact us at [email protected] for refund requests
• If you cancel during a free trial, you will not be charged

11.6 Price Changes

We reserve the right to change subscription pricing. Existing subscribers will be notified at least 30 days in advance of any price changes affecting their current subscription.

12. Changes to the Service

We reserve the right to:

• Modify, add, or remove features at any time
• Change the Service's design, functionality, or user interface
• Impose limits on certain features or restrict access
• Discontinue the Service entirely with reasonable notice

We will make reasonable efforts to notify users of significant changes, but we are not obligated to do so.

13. Changes to These Terms

We may update these Terms from time to time. When we do:

• We will update the "Last Updated" date at the top
• Material changes will be communicated via email or in-app notification
• Your continued use of FinLiterate after changes constitutes acceptance

If you do not agree to the updated Terms, you must stop using the Service and delete your account.

14. Privacy

Your use of FinLiterate is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. Please review the Privacy Policy at https://finliterate.net/privacy-en.html.

15. Data Export and Portability

You have the right to export your data from FinLiterate at any time. We provide tools within the application to:

• Export your transaction history
• Download your financial data in standard formats
• Retrieve your account information

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which FinLiterate operates, without regard to conflict of law principles.

16.2 Dispute Resolution

If you have a dispute with FinLiterate, please contact us first at the email below to try to resolve it informally.

Any legal action or proceeding relating to these Terms shall be brought exclusively in the courts of competent jurisdiction in our operating location, and you consent to the jurisdiction of such courts.

16.3 Class Action Waiver

To the extent permitted by law, any dispute must be brought in an individual capacity and not as part of a class or collective action.

17. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinLiterate regarding your use of the Service and supersede all prior agreements and understandings.

19. No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

20. Assignment

You may not assign or transfer these Terms or your account to anyone else. We may assign our rights and obligations under these Terms to another entity (for example, in case of a merger or acquisition).

21. Force Majeure

We are not liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to:

• Natural disasters
• Acts of war or terrorism
• Government restrictions
• Internet or telecommunications failures
• Third-party service outages

22. Survival

Provisions that by their nature should survive termination of these Terms shall survive, including but not limited to: ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

23. Contact Information

By using FinLiterate, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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