Clear expectations for
using Financeia.

Agreement, definitions, and service scope

When these Terms apply

By creating an account, clicking a button that states you agree, accessing Financeia, or using any part of the service, you accept these Terms and the Privacy Policy. If you do not agree, do not create an account or use the service. If you use Financeia for an organization, household, business, partnership, or other person, you represent that you have authority to bind that party, and “you” includes that party.

“Financeia,” “we,” “us,” and “our” mean the operator that provides the Financeia service. “Service” includes the public website, customer web application, Android and iOS applications, APIs made available through those applications, reports, exports, communications, first-party product measurement, subscription and entitlement administration, restricted support operations, and related features to the extent each is enabled. “Content” means data, text, files, records, instructions, and other material submitted to or generated through the service. “Workspace” means the account-scoped area in which authorized financial records are maintained.

Current product boundary

Financeia is a financial-organization and reporting product. The current service lets users record, classify, review, calculate, synchronize, and export information. It does not connect to bank accounts, store online-banking credentials, initiate payments, execute or route trades, hold funds or assets, extend credit, insure assets, file taxes, or act as a bank, broker, custodian, fiduciary, accountant, law firm, investment adviser, payment institution, or money-services business.

Some pages describe planned plans or capabilities. A roadmap, preview, sample workspace, product tour, waitlist, or “in development” label is informational only and is not a promise that a feature will launch on a particular date or on particular terms.

Eligibility, registration, and account security

Eligibility

You must be at least 18 years old and have legal capacity to enter this agreement. If the law where you live sets a higher age of majority, you must meet that age. Financeia is not directed to children, and a child may not create an account. A shared subscription does not by itself authorize a minor to register independently.

You may use the service only where doing so is lawful. You represent that you are not prohibited from receiving the service under applicable export-control, sanctions, or similar laws. Financeia may restrict availability by country or region where legal, security, provider, or operational requirements have not been satisfied.

Accurate registration and one account per identity

Provide current and accurate registration information, keep it updated, and use an email address you control. Do not impersonate another person, create an account for deceptive purposes, transfer an account, sell access, or create accounts to evade restrictions. We may require reasonable verification before restoring access or completing a sensitive request.

Protecting access

You are responsible for maintaining the confidentiality of your password, protecting signed-in devices, reviewing active sessions, and promptly revoking access you do not recognize. Do not share passwords, one-time codes, recovery secrets, approval prompts, or device-bound sessions. Notify contact@financeia.app promptly if you reasonably believe the account or a device has been compromised.

If you enable two-factor authentication for web sign-ins, a correct password is followed by approval in a signed-in Financeia mobile app. When the mobile app is unavailable, you may request a short-lived code at your verified email after the stated waiting period. You remain responsible for reviewing each prompt and must deny any request you did not initiate.

Actions performed through a valid session are treated as authorized by the account holder unless Financeia has received sufficient notice of compromise. This does not make you responsible for unauthorized activity caused by our failure to use legally required safeguards.

Limited licence and acceptable use

Your licence

Subject to these Terms, Financeia grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable licence to access and use the service on devices you own or control for your own authorized personal, household, or internal business financial organization. App-store usage rules may also apply.

Prohibited conduct

You must not, and must not help another person to:

• use the service unlawfully, fraudulently, deceptively, or to infringe privacy, intellectual-property, contractual, consumer, or other rights;
• gain or attempt to gain access to another user, workspace, record, device session, administrative surface, system, or network without authorization;
• probe, scan, penetration-test, or circumvent authentication, authorization, rate limits, tenant boundaries, security controls, or usage limits without prior written authorization and an agreed scope;
• introduce malicious code, interfere with availability, overload infrastructure, abuse email or notification delivery, or use automated traffic in a manner that burdens or disrupts the service;
• reverse engineer, decompile, disassemble, translate, modify, create derivative works from, or attempt to discover source code except to the limited extent a restriction is prohibited by law;
• scrape, harvest, index, frame, mirror, resell, rent, sublicense, distribute, or commercially exploit the service or its content outside an expressly authorized business workspace;
• use output or access to train, benchmark, or improve a competing model, dataset, or service without written permission;
• remove ownership notices, misrepresent provenance, or suggest that Financeia endorses a person, product, investment, or decision; or
• upload malware, unlawfully obtained data, bank-login credentials, full payment-card data, government identifiers not requested by the service, or information you are not authorized to process.

Normal browser indexing of public pages and ordinary use of accessibility technology are permitted. Public-interest security research requires written authorization because even well-intended testing can affect financial data and service availability.

Your content, workspaces, and instructions

Ownership and operational permission

As between you and Financeia, you retain your rights in Content you are authorized to submit. You grant Financeia a worldwide, non-exclusive, royalty-free licence to host, reproduce, format, transmit, calculate from, back up, and otherwise process that Content only as reasonably needed to provide, secure, support, troubleshoot, and improve the requested service, comply with law, and enforce these Terms. This licence ends when the Content is deleted, subject to lawful retention and operational backups described in the Privacy Policy.

You represent that you have all rights and permissions needed to submit Content and permit its processing. You are responsible for its accuracy, completeness, legality, classification, currency, valuation date, and relationship to source records.

Joint and business workspaces

Where shared access is available, each person must use an individual identity and the roles supplied by Financeia. Workspace owners and authorized administrators may invite or remove members, grant permissions, and access records within their authorized scope. You are responsible for choosing appropriate roles and understanding that information placed in a shared scope may be visible to other authorized members.

If you manage records about employees, clients, tenants, family members, partners, or other individuals, you are responsible for having a valid legal basis, giving required notices, respecting their rights, limiting what you enter, and configuring access appropriately. Financeia does not determine whether you are legally entitled to process another person’s information.

Conflicting edits and record integrity

The service may reject a save when the same field has changed on another device. Refreshing the affected field is intended to preserve unrelated draft work, but you remain responsible for confirming the final record. Posted ledger events may be corrected through reversal and replacement rather than silent alteration so that accounting history remains traceable.

Service administration and product measurement

Where enabled, Financeia may process purpose-limited first-party product events and aggregated measures to understand activation, reliability, retention, and feature use. Behavioral events are not a copy of your financial workspace and must not include balances, salaries, transaction amounts, merchant names, transaction descriptions, account names or numbers, financial notes, import contents, or report contents. The Privacy Policy explains the applicable purposes, legal bases, choices, and retention.

Authorized Financeia personnel may use a restricted administration service for assigned security, entitlement, support, operational, and team-management tasks. When that service is enabled, access is intended to be governed by individual identities, phishing-resistant authentication, server-side role permissions, additional recent verification for sensitive actions, and append-only administrative history. This does not authorize unrestricted access to your private financial records, silent impersonation of you, or alteration of your financial ledger for administrative convenience.

Financial information, calculations, and decisions

Your review remains essential

Financeia processes information supplied by you and may present balances, budgets, cash flow, net worth, valuations, ownership interests, projections, comparisons, reports, and educational explanations. Output can be incomplete, delayed, estimated, affected by classification choices, or wrong because of source data, conversion rates, time zones, rounding, software defects, or assumptions.

You must compare important outputs with original statements, contracts, receipts, tax records, market sources, and advice from appropriately qualified professionals. Keep records required for tax, accounting, legal, audit, or regulatory purposes outside Financeia. No output is an assurance, audit opinion, valuation opinion, suitability determination, guarantee of performance, or promise of a future result.

Market prices, currencies, and forecasts

Market prices and foreign-exchange rates may be reference, delayed, manual, estimated, stale, unavailable, or demonstration data. Review the displayed source, date, freshness, and conversion method. A value marked “live” means only that it satisfies the configured freshness rule; it is not necessarily real-time, executable, or suitable for trading.

Forecasts, trends, scenarios, affordability views, goals, and projected cash flow are mathematical illustrations based on available inputs, not commitments or predictions. Historical performance does not guarantee future results. Digital assets, securities, commodities, property, foreign currency, and private interests can lose value and may be illiquid or difficult to value.

Third-party services, content, and links

The service may rely on or link to app stores, operating systems, hosting, email delivery, push notifications, market-reference providers, export readers, or other third-party services. Their content, availability, security, accuracy, and terms are controlled by them. A link, identifier, quote source, or technical integration does not imply Financeia endorsement.

You are responsible for complying with third-party terms that apply to your device, store account, exported file, or external service. Financeia is not responsible for a third party’s independent acts or omissions, but this does not limit responsibility that applicable law places on Financeia for selecting or supervising processors that handle personal information on our behalf.

The current applications do not ask you to provide online-banking credentials. If a future connection to another financial service is introduced, it will be subject to separate disclosures, permissions, provider terms, and security review before activation.

An AI assistant that you choose to connect is a third-party service. Section 07 explains how those connections work and who is responsible for what.

Paid plans, subscriptions, taxes, and refunds

The Pricing page publishes Financeia’s standard US-dollar plan prices. Displaying a price does not itself start a subscription. A purchase exists only when you accept an offer presented through Apple App Store or Google Play and that store confirms the transaction.

Purchase disclosure

Before purchase, Financeia or the authorized store will display the plan, included features and limits, billing currency, full amount due, billing period, whether renewal is automatic, renewal price, trial or introductory terms, applicable taxes, and how to cancel. A purchase is not complete until the relevant provider confirms it.

Store billing and renewal

A subscription purchased through Apple App Store or Google Play is billed and administered by that store under its terms. The applicable store is authoritative for the transaction, renewal, cancellation, refund, and billing state it processes. The store may automatically renew and charge the payment method associated with your store account unless you cancel through the store before its stated deadline. Deleting Financeia, signing out, or deleting a Financeia account does not necessarily cancel a store subscription; cancel it separately through the store. Financeia cannot change a store’s billing record or issue a refund the store controls.

Changes, cancellation, and entitlement

Plan changes take effect as disclosed in the purchase flow and subject to store rules. Cancellation normally stops future renewal but does not retroactively refund the current period unless the provider’s rules or applicable law require it. Access may continue through the paid period, grace period, or other entitlement shown by the provider. We may correct an entitlement when a verified billing event shows that a purchase was refunded, reversed, expired, or invalid.

Where support tools permit it, an authorized administrator may issue a separately recorded, time-limited support entitlement to resolve an access incident or apply an approved accommodation. A support entitlement does not rewrite, cancel, extend, refund, or replace the store’s purchase record and does not change the price or renewal date controlled by the store. It must have an effective period and operational reason and is intended to expire automatically and appear in administrative history.

Prices and taxes may differ by country, currency, platform, and provider. Any price change applies prospectively and with notice required by the provider and applicable law. Refund requests for store purchases must ordinarily be made to the store; mandatory statutory refund and withdrawal rights remain unaffected.

Availability, updates, beta features, and data continuity

Service operation

Financeia may maintain, update, add, remove, suspend, or redesign features. Internet, device, operating-system, provider, and maintenance conditions may interrupt or delay access. We do not promise uninterrupted operation, permanent availability of a feature, compatibility with every device or file, or a service-level commitment unless a separate signed agreement expressly says so.

We will use reasonable care not to make a material paid feature unavailable during a paid period without an appropriate remedy required by contract or law. We may make immediate changes where reasonably needed for security, legal compliance, data integrity, provider requirements, or prevention of harm.

Previews and tests

Beta, preview, experimental, sample, and demonstration features may be incomplete, use fictional information, change without notice, and contain more defects. Do not place production-critical information in a feature clearly marked as non-production or rely on it for a material decision.

References to first-party analytics, subscription operations, or the restricted administration service describe how those modules are governed if and when they are enabled. A policy or architecture description does not by itself mean a module is available in the production service.

Exports and your source records

Use available export tools and keep independent copies of records you are required to preserve. Verify an export before treating it as complete. Financeia does not guarantee that every third-party application will interpret an exported field, formula, currency, date, or accounting classification in the same way.

Financeia ownership, feedback, and notices

The service, software, interface, visual system, design, branding, documentation, compilations, and original materials are owned by Financeia or its licensors and are protected by intellectual-property and other laws. Except for the limited licence in these Terms, no right, title, or interest is transferred to you.

If you voluntarily provide an idea, suggestion, or feedback about the service, you grant Financeia a perpetual, irrevocable, worldwide, royalty-free, transferable, and sublicensable right to use it without restriction or compensation. This does not transfer ownership of your private financial Content and does not authorize public identification of you.

If you believe material available through the service infringes your rights, send a sufficiently detailed notice to contact@financeia.app, including your contact details, the work or right concerned, the location of the material, the basis for your claim, and any statement required by applicable law.

Suspension, termination, and account deletion

You may stop using Financeia at any time. Authenticated Settings provides session controls, workspace export, and permanent account deletion. The Account deletion page explains the current process and what happens to active application data.

Financeia may limit, suspend, or terminate access where reasonably necessary to investigate suspected compromise, protect users or systems, prevent fraud or misuse, comply with law or provider requirements, address non-payment of a future paid plan, or respond to a material or repeated breach. Where practical and lawful, we will provide notice and a reasonable opportunity to correct the issue or export information.

When the restricted administration service is enabled, a personnel action that locks an account, revokes sessions, changes access, or applies a support entitlement must be authorized for the person’s role and recorded with a reason and outcome. Sensitive actions may require additional recent verification or approval. These controls do not create a right for personnel to modify a customer’s financial ledger or a provider’s authoritative billing record.

Upon termination, the licence in these Terms ends. Provisions that by their nature should survive will remain effective, including provisions about ownership, payment obligations already incurred, disclaimers, limitations of liability, disputes, and lawful retention. Account deletion does not erase information that another user independently controls, a store must retain for its transaction records, or Financeia must preserve under law.

Disclaimers, liability, and indemnity

Disclaimer of warranties

To the extent permitted by law, the service is provided “as is” and “as available.” Financeia disclaims implied warranties and conditions, including merchantability, satisfactory quality, fitness for a particular purpose, title, non-infringement, accuracy, availability, and quiet enjoyment. We do not warrant that output is complete or error-free, that every defect will be corrected, or that the service will meet every legal, accounting, or business requirement.

Excluded losses

To the extent permitted by law, Financeia and its affiliates, licensors, personnel, and suppliers will not be liable for indirect, incidental, special, exemplary, punitive, or consequential loss; loss of profit, revenue, opportunity, goodwill, anticipated savings, business, or data; financial-market loss; or the cost of substitute services, arising from or related to the service, even if advised that such loss was possible.

Liability cap

To the extent permitted by law, the total aggregate liability of Financeia and the parties described above for all claims arising from or relating to the service or these Terms will not exceed the greater of: (a) the amount you paid for the service during the 12 months before the event giving rise to the claim; or (b) US$100 or its equivalent in your local currency. This cap applies collectively across all legal theories and does not enlarge any remedy otherwise available.

AI assistant connections

To the fullest extent permitted by applicable law, Financeia is not responsible for an AI assistant you connect or for its provider, including the assistant’s responses, errors, omissions, availability, or security; how the provider handles information the assistant received; decisions you make based on an assistant’s output; or proposals you approve. Your use of a connected assistant is at your own risk. This does not limit liability that applicable law does not allow to be excluded, including for Financeia’s own failure to apply the access limits and security measures described in these Terms and the Privacy Policy.

Indemnity for harmful misuse

If you use Financeia on behalf of a business or other organization, then, to the extent permitted by law, that organization will defend and indemnify Financeia against third-party claims, losses, and reasonable costs arising from its unlawful Content, infringement of another person’s rights, or material violation of these Terms. This obligation does not apply to the extent a claim was caused by Financeia, and it does not apply to an individual consumer where prohibited by law.

Disputes, governing principles, and general terms

Resolve concerns first

Before starting formal proceedings, please describe the issue and requested resolution to contact@financeia.app. The parties will attempt in good faith to resolve the dispute for at least 30 days, unless urgent relief is reasonably needed or a limitation period would expire. This informal step does not remove a right to contact a regulator, app store, consumer body, or court.

Applicable law and courts

These Terms are governed by the laws applicable at the principal establishment of the legal operator identified in the applicable store listing or purchase record, without regard to conflict-of-law principles. Courts with jurisdiction over that operator may hear disputes. If you are a consumer, this choice does not deprive you of mandatory protections or a forum available under the law of your habitual residence. No private arbitration or class-action waiver is imposed by these Terms.

Entire agreement and order of terms

These Terms, the Privacy Policy, and any purchase or feature-specific terms presented to you form the agreement for the service. Feature-specific terms control only for that feature; provider purchase terms control the provider’s transaction. A separately signed business agreement controls to the extent it expressly conflicts with these Terms.

Severability, waiver, and assignment

If a provision is unenforceable, it will be enforced to the maximum lawful extent or severed while the remaining provisions continue. A delay in enforcement is not a waiver. You may not assign these Terms without our written consent. Financeia may assign them as part of a reorganization, financing, merger, acquisition, or transfer of the service, subject to applicable notice and data-protection requirements.

Events outside reasonable control

Neither party is liable for delay or failure caused by events beyond its reasonable control, such as major network or utility failure, provider outage, natural disaster, epidemic, war, civil disorder, governmental action, or labour disruption. This clause does not excuse payment already due or duties that law does not permit a party to exclude.

Apple App Store and Google Play terms

Apple devices

If you obtain an iOS application through Apple App Store, these Terms are between you and Financeia, not Apple. Financeia, not Apple, is responsible for the application and its content, maintenance, support, warranties that have not been lawfully disclaimed, and handling claims relating to the application. Apple has no obligation to provide maintenance or support.

If the application fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any, as provided by its rules. To the maximum extent permitted by law, Apple has no other warranty obligation. Financeia, not Apple, is responsible for addressing claims concerning product liability, legal or regulatory compliance, consumer-protection rights, or intellectual-property infringement.

You represent that you are not located in a country subject to a United States Government embargo or designated as supporting terrorism, and that you are not listed on a United States Government prohibited or restricted-party list. You must comply with applicable third-party terms. Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it against you.

Google Play and other stores

If you obtain an application through Google Play or another authorized store, your use is also subject to that store’s terms. The store is not responsible for Financeia’s service except to the extent its terms or applicable law expressly provide otherwise. Questions about the application should be directed to Financeia; questions about a store-controlled payment, refund, or account should be directed to that store.

Changes, notices, language, and contact

Changes to these Terms

We may update these Terms to reflect product, security, legal, provider, or commercial changes. The effective date identifies the current version. For a material change, we will provide notice reasonably suited to the service, such as an in-product message, email, or prominent website notice, before the change takes effect where required. Changes do not apply retroactively unless required by law or expressly agreed.

If you continue using the service after revised Terms become effective, that continued use constitutes acceptance where permitted by law. If you do not accept a material revision, you may stop using the service and delete the account, subject to any outstanding purchase and mandatory rights.

Electronic notices and language

You agree to receive service-related notices electronically through the application, website, or verified email. Keep the email address current. The English text is the source version; translations are provided for accessibility and convenience. Where applicable law requires a translated version to control, that law applies.

Contact

Questions, legal notices, and support requests may be sent to contact@financeia.app. Do not send passwords, one-time codes, recovery secrets, bank credentials, or unnecessary financial records.