1. Acceptance of Terms

By accessing or using FinPM ("the Service"), you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

These Terms constitute a legally binding agreement between you and FinPM. We may update these Terms from time to time, and your continued use of the Service after changes are posted constitutes acceptance of the modified Terms.

2. Beta Services

2.1 Beta Acknowledgment

By accessing or using FinPM during the Beta period, you expressly acknowledge and agree that:

• The Service is in an early stage of development and is provided for evaluation and feedback purposes
• The Service may contain defects, errors, and security vulnerabilities that could result in data loss, corruption, or unauthorized access
• You are using the Service entirely at your own risk and discretion
• You should not rely on the Service as your sole or primary record of financial information

2.2 Data Loss & Security Breach Disclaimer

We strongly recommend that you:

• Maintain your own independent copies of any financial data you upload
• Use the data export feature regularly to back up your information
• Do not upload sensitive documents or data that you cannot afford to lose

2.3 No Data Persistence Guarantee

During the Beta period, data stored in the Service is not guaranteed to persist. System updates, infrastructure migrations, database changes, or other technical operations may result in partial or complete loss of your stored data. While we make reasonable efforts to preserve your data and will provide advance notice of any planned operations that may affect it, we cannot guarantee that your data will remain intact throughout the Beta period.

2.4 Service Interruptions

The Service may be interrupted, modified, degraded, or discontinued at any time during the Beta period, with or without notice. We may also reset, modify, or remove features, functionality, or content without prior notification. No service level agreements (SLAs) apply during the Beta period.

3. Service Description

FinPM is a personal finance management application that provides:

• Manual financial data import via statement uploads
• AI-assisted transaction categorization
• Budget planning and tracking
• Financial goal management
• Multi-currency account support
• Household financial sharing (with consent)
• Financial reports and analytics

The Service is provided "as is" and "as available." We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time with reasonable notice.

4. Eligibility

To use FinPM, you must:

• Be at least 16 years of age
• Be a legal resident of a country where the Service is available
• Have the legal capacity to enter into binding contracts
• Not be prohibited from using the Service under any applicable law

By using the Service, you represent and warrant that you meet all eligibility requirements. We may request verification of your identity or eligibility at any time.

5. Your Account

5.1 Account Creation

You must provide accurate, complete, and current information when creating your account. You are responsible for maintaining the accuracy of this information and for all activities that occur under your account.

5.2 Account Security

You are solely responsible for maintaining the confidentiality of your login credentials. You agree to notify us immediately of any unauthorized use of your account. We strongly recommend enabling two-factor authentication for additional security.

5.3 Household Accounts

If you invite others to join your household, you are responsible for ensuring they understand and agree to these Terms. Each household member has their own individual account with shared access to household financial data as permitted by your settings.

6. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to any part of the Service
• Interfere with or disrupt the Service or servers
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated means (bots, scrapers) to access the Service without permission
• Transmit malicious code, viruses, or harmful content
• Impersonate another person or entity
• Use the Service to store or transmit illegal content
• Share your account credentials with third parties
• Circumvent any security measures or access controls

Violation of this policy may result in immediate termination of your account and may be reported to relevant authorities.

7. Data Import and Statement Parsing

7.1 Manual Import Only

FinPM uses a privacy-first approach. All financial data is provided by you through manual statement uploads (PDF, CSV). We do not connect directly to your bank accounts and do not have access to your bank credentials.

7.2 Your Responsibility

You are responsible for ensuring you have the legal right to upload any financial documents to the Service. For joint bank accounts, all account holders should be aware of and consent to the upload.

7.3 Data Accuracy

While we strive for accuracy in parsing your statements, we cannot guarantee 100% accuracy. You should always verify imported transactions and correct any errors. We are not liable for any consequences arising from inaccurate data parsing.

8. Subscription and Payments

8.1 Beta Pricing (Free Tier)

During the Public Beta period, FinPM is provided free of charge. We reserve the right to introduce paid subscription plans in the future. If we do so, we will provide you with at least 30 days' notice before any charges apply. You will never be charged without your explicit consent.

8.2 Future Pricing

Future subscription plans may be offered. Prices will be displayed on our pricing page in Euros (€) and will include applicable taxes where required by law.

8.3 Billing

If you choose to upgrade to a paid plan in the future, subscriptions will be billed in advance. You authorize us to charge your payment method for the applicable fees.

8.4 Cancellation

You may cancel your account at any time. Cancellation takes effect immediately. We do not provide refunds for partial periods unless required by applicable law.

9. Intellectual Property

9.1 Our Rights

The Service, including all content, features, and functionality, is owned by FinPM and is protected by international copyright, trademark, patent, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works based on the Service without our express written permission.

9.2 Your Rights

You retain ownership of any data you upload or create using the Service. By using the Service, you grant us a limited license to use your data solely to provide and improve the Service.

9.3 Feedback

Any feedback, suggestions, or ideas you provide about the Service may be used by us without any obligation to compensate you.

10. Disclaimers

READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY AND AFFECTS YOUR LEGAL RIGHTS.

10.1 Not Financial Advice

FinPM is a financial tracking tool only. We do not provide financial, investment, tax, or legal advice. Nothing in the Service should be construed as professional advice. You are solely responsible for your financial decisions.

10.2 No Warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.3 Data Accuracy

We do not guarantee that imported data, AI categorizations, or calculations are error-free. You should always verify important financial information independently.

10.4 Service Availability & Security

We do not guarantee the Service will be uninterrupted, error-free, or secure. We are not responsible for any damage resulting from interruptions, delays, security breaches, unauthorized access to your data, or data loss — whether caused by system failures, cyberattacks, human error, or any other reason.

This disclaimer applies with particular force during the Beta period (see Section 2), during which the risk of such incidents is inherently higher.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• FinPM shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, business opportunities, or goodwill, regardless of cause.
• Our total liability for any claims arising from or relating to the Service shall not exceed the amount you paid us in the twelve (12) months preceding the claim.
• We are not liable for any decisions you make based on information provided by the Service, including AI-generated categorizations, insights, or calculations.
• We are not liable for any unauthorized access to or use of your data, except to the extent caused by our gross negligence or willful misconduct.
• During the Beta period, we are not liable for any loss, corruption, or unauthorized disclosure of your data arising from software defects, security vulnerabilities, infrastructure failures, or any other cause, whether foreseeable or not (see Section 2).

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless FinPM and its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or transmit through the Service
• Your violation of any applicable laws or regulations

13. Termination

13.1 Termination by You

You may terminate your account at any time through your account settings or by contacting us. Upon termination, your right to use the Service ends immediately.

13.2 Termination by Us

We may suspend or terminate your account at any time, with or without cause, including if we reasonably believe you have violated these Terms. We will provide notice when reasonably possible.

13.3 Effect of Termination

Upon termination, we will delete your personal data in accordance with our Privacy Policy. Provisions of these Terms that by their nature should survive termination will survive, including disclaimers, limitations of liability, and indemnification.

14. Changes to Terms

We may modify these Terms at any time. For material changes, we will notify you via email or prominent notice in the Service at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not agree, you must stop using the Service.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of Belgium.

15.2 Dispute Resolution

Any disputes arising from these Terms or the Service shall first be attempted to be resolved through informal negotiation. If informal resolution fails, disputes shall be submitted to the exclusive jurisdiction of the courts of Brussels, Belgium, subject to any mandatory consumer protection laws that may require jurisdiction in your country of residence.

15.3 EU Consumer Rights

If you are an EU consumer, you may bring proceedings in the courts of your country of residence and may have additional rights under local consumer protection laws that cannot be waived by contract.

16. Service Discontinuation

If we decide to discontinue FinPM, either partially or entirely, we will:

• Provide at least 30 days' advance written notice via email to all registered users
• Keep the data export functionality (Settings → Privacy & Data → Export) fully operational during the notice period so you can download all your data
• Permanently delete all user data from our servers and backups within 30 days following service shutdown
• Notify relevant data protection authorities as required by GDPR

No fees will be charged during the discontinuation notice period. If you have a paid subscription at the time of discontinuation, you will receive a pro-rated refund for the unused portion.

17. Contact Information

For questions about these Terms: