Terms of Service

By creating an account or using Finzu (the "Service"), you agree to these Terms of Service ("Terms"). If you do not agree, do not use the Service. These Terms form a legally binding contract between you and the developer of Finzu ("we", "us", or "our").

You must be at least 16 years old to use the Service. By using it, you confirm that you meet this requirement.

Finzu is a personal finance management tool that helps you manually track income, expenses, accounts, budgets, goals, and debts. The Service does not connect to any bank, financial institution, or payment network. All financial data is entered manually by you or imported via file upload.

The Service is informational only. We do not provide financial, investment, tax, or legal advice. Always consult a qualified professional for decisions that may affect your finances.

We offer a Free tier and a paid Premium subscription. Features may change between tiers at our discretion, with reasonable notice provided to existing subscribers.

You must provide a valid email address to register. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

Notify us immediately at support@finzu.me if you suspect unauthorised access. We will not be liable for any loss resulting from unauthorised use of your account.

One account per person. You may not create accounts on behalf of others without their explicit consent. We reserve the right to terminate accounts that we reasonably believe are fake, abandoned, or used in violation of these Terms.

Premium subscriptions are billed on a monthly or annual basis. Prices are displayed in your local currency at checkout and are inclusive of any applicable taxes where required.

On the web, payments are processed by Stripe. On iOS, payments are processed by Apple via In-App Purchase. On Android, payments are processed by Google via Google Play Billing. Your payment details are handled entirely by these third parties — we never store your card number, expiry date, or CVV.

Subscriptions automatically renew at the end of each billing period. You may cancel at any time to prevent the next renewal.

New Premium subscribers receive a 7-day free trial. No charge is made during the trial period. If you cancel before the trial ends, you will not be billed. If you do not cancel, your chosen subscription will begin at the end of the trial and your payment method will be charged.

Free trials are available once per account. Creating multiple accounts to obtain repeated trials is a violation of these Terms.

Web: Cancel from Settings → Subscription → Manage billing. Cancellation takes effect at the end of the current billing period; you retain Premium access until that date.

iOS / Android: Manage or cancel via your App Store or Google Play subscription settings. Our refund policy does not apply to in-app purchases, which are subject to Apple's and Google's own refund policies.

Refunds (web): We do not offer refunds for completed billing periods except where required by law, or where a verified technical issue prevented you from accessing the Service. To request a review, contact support within 14 days of the charge.

When you cancel, your data is retained. You continue to have access to your historical records in the Free tier; Premium-only features are disabled.

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable regulation.
• Attempt to gain unauthorised access to the Service, its infrastructure, or other users' accounts.
• Reverse-engineer, decompile, or create derivative works of the Service.
• Scrape, crawl, or otherwise extract data from the Service via automated means.
• Interfere with or disrupt the integrity or performance of the Service.
• Misrepresent your identity or impersonate any person or entity.

We reserve the right to suspend or terminate accounts that violate these rules, without prior notice and without liability.

The Service, including its source code, design, trademarks, and content, is owned by us and protected by applicable intellectual property laws. You are granted a limited, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes.

Your data (transactions, accounts, categories, notes) remains entirely yours. You retain full ownership of all financial data you enter into the Service. We do not claim any rights over your data.

The Service integrates with the following third-party services, each governed by their own terms:

• Supabase — database and authentication hosting
• Stripe — web payment processing
• RevenueCat — mobile in-app purchase management
• PostHog — product analytics (anonymised events only)
• Sentry — error monitoring

We are not responsible for the availability, accuracy, or practices of these third-party services.

The Service 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, or non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, or that data will be free from loss or corruption. You are responsible for maintaining your own backups by using the data export feature.

To the fullest extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, even if we have been advised of the possibility of such damages.

Our total liability to you for any claim arising from these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim, or €50 (whichever is greater).

We may update these Terms from time to time. When we make material changes, we will notify you by email and/or by displaying a notice in the app at least 14 days before the changes take effect.

Continued use of the Service after the effective date of the revised Terms constitutes acceptance of the changes. If you do not agree to the revised Terms, you may cancel your account before they take effect.

These Terms are governed by and construed in accordance with applicable law. Any disputes arising under these Terms shall be subject to the jurisdiction of the courts in the territory of the developer, unless mandatory local consumer protection laws require otherwise.

For users located in the European Union, nothing in these Terms affects your statutory rights as a consumer under EU law.

Questions about these Terms? Reach us at:

legal@finzu.me

See also: Privacy Policy · Support