Terms of Service

These Terms of Service (the “Terms”) cover the Finly app, the website usefinly.app and related services (together, the “Service”) for people using Finly in the United States. Finly is operated by Wealthia S.A.S., a company based in Quito, Ecuador (“Finly,” “we,” “us”). By creating an account or using the Service, you agree to these Terms. If you have questions, email contacto@usefinly.app.

1. What Finly is

Finly is a personal finance app: it helps you track and understand your spending, income, goals and budgets. Finly is not a bank, broker, lender or registered investment adviser. We don’t hold, move or invest money for anyone, and Finly does not connect to your bank accounts.

Everything the Service shows you, including answers generated by artificial intelligence in the chat and on WhatsApp, is general and educational. It is not financial, tax, legal or investment advice. AI can make mistakes, so double-check anything important. Your money decisions are yours; for personal advice, talk to a licensed professional.

2. Your account and eligibility

You need an account to use the Service. Give us accurate information and keep it up to date. You are responsible for keeping your password safe and for activity on your account.

You must be at least 13 years old to use Finly. If you are under 18, you may use Finly only with the permission of a parent or legal guardian, who also agrees to these Terms. Paid subscriptions must be purchased by an adult.

3. Subscriptions, automatic renewal and cancellation

Finly has a free plan (Finly Lite) and paid plans, Finly Pro and Finly Student, billed monthly or yearly.

Paid subscriptions renew automatically at the end of each monthly or yearly period, at the price shown when you subscribed, and you will be charged for each renewal until you cancel. The price, the billing period and any applicable taxes are shown on the purchase screen before you confirm. Your payment method is charged when you confirm the purchase and then at each renewal. To avoid the next charge, cancel at least 24 hours before the current period ends; the App Store may charge the renewal within those last 24 hours.

Free trial. When you sign up you get 7 days of Finly Pro with no credit card and no charge. When the trial ends, your account simply goes back to Finly Lite; it never turns into a paid subscription on its own. If we ever offer a trial through an app store, its length and the amount charged when it ends will be shown before you confirm.

How to cancel. You can cancel online at any time, where you subscribed:

• iPhone or iPad: Settings > your name > Subscriptions > Finly > Cancel Subscription.
• Android: Google Play > Payments & subscriptions > Subscriptions > Finly > Cancel.
• Card payment on our website: from your profile in Finly, or by emailing contacto@usefinly.app.

Deleting the app does not cancel your subscription. After you cancel, you keep paid access until the end of the period you already paid for, and you won’t be charged again.

Price changes. If a subscription price changes, we will tell you at least 30 days before it applies. The new price only applies from your next renewal, and where the app store requires it, only if you accept it.

Refunds. Purchases made on the App Store or Google Play are refunded by the store under its own policies (Apple at reportaproblem.apple.com; Google Play from your order history). For purchases made on our website, email contacto@usefinly.app.

Who processes payments. In the mobile apps, Apple or Google charges you and issues the receipt, and RevenueCat verifies the purchase. On the website, payments are processed by dLocal. We never store your full card number.

4. Acceptable use

Use the Service for personal, lawful purposes only. Don’t:

• use the Service for fraud or anything illegal;
• try to access our systems or other people’s accounts without permission;
• copy, resell or redistribute the Service without our written permission;
• upload malicious code, or load-test or reverse engineer the Service without permission;
• impersonate anyone.

If you add information about other people (for example, someone who shares expenses with you or owes you money), add only what you need and only if you have the right to share it.

5. Your content and our property

What you put into Finly stays yours. You let us process it only to run the Service for you, as described in our Privacy Policy. The Finly name, logo, design, text and software belong to us or our licensors.

6. Third-party services

Some features rely on services we don’t control, such as the App Store, Google Play and WhatsApp. Your use of those services is also governed by their own terms.

7. Availability and changes

We work to keep the Service running, but we can’t promise it will always be available or error free. We may update or change features. If we shut the Service down, we will give you at least 30 days’ notice and a way to export your data.

8. Disclaimers

To the extent the law allows, the Service is provided “as is” and “as available,”without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and non-infringement. Some states don’t allow these exclusions, so they may not apply to you.

9. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special or consequential damages, lost profits, or losses from financial decisions you make based on information shown in the Service. Our total liability for any claim is limited to the amount you paid us for the Service in the 12 months before the event that led to the claim. Some states don’t allow these limits, so they may not apply to you. Nothing in these Terms limits rights you have under consumer protection laws that can’t be waived.

10. Ending your account

You can delete your account at any time from Profile in the app or as explained at usefinly.app/delete-account. We may suspend or close an account for fraud, a breach of these Terms or a lawful order; when we can, we’ll tell you first and explain why.

11. Governing law and disputes

Talk to us first. If something goes wrong, email contacto@usefinly.appand describe the problem. We’ll try to solve it within 60 days, and most issues get solved this way.

These Terms are governed by the laws of the Republic of Ecuador, where Finly is operated. This does not take away any protection you have under the laws of your state of residencethat can’t be waived by contract. You may bring a claim in the courts of your state of residence, including small claims court, or in the courts of Quito, Ecuador.

12. Apple App Store downloads

If you downloaded Finly from the App Store, the following also applies, as Apple requires:

• These Terms are between you and Finly only, not Apple. Finly, not Apple, is responsible for the app and its content.
• Your license is personal, non-transferable and limited to Apple devices you own or control, as allowed by the App Store Usage Rules.
• Apple has no obligation to provide maintenance or support for Finly. Support is ours, at contacto@usefinly.app.
• If Finly fails to meet an applicable warranty, you may notify Apple and Apple will refund the purchase price, if any. To the extent the law allows, Apple has no other warranty obligation.
• Finly, not Apple, handles any claims by you or third parties about the app, including product liability, legal or regulatory compliance, consumer protection and intellectual property claims.
• You confirm you are not in a country subject to a U.S. government embargo and are not on a U.S. list of restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of this section and may enforce it.

13. Changes to these Terms

We may update these Terms. The date at the top shows the latest version. If a change is material, we’ll email you at least 30 days before it takes effect.

14. Notice for California residents

Under California Civil Code Section 1789.3, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

15. Contact

Wealthia S.A.S. (Finly), Quito, Ecuador. Email: contacto@usefinly.app.