Terms of Service
Last updated: August 26, 2025 • Effective: August 26, 2025
Welcome to Fintera! These Terms of Service ("Terms") govern your use of our mobile application and services. By using Fintera, you agree to these terms.
Important: Please read these terms carefully. If you don't agree, please don't use our app.
By downloading, installing, or using Fintera, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
What This Means:
- • You must be at least 13 years old (or the minimum age in your jurisdiction)
- • You have the legal capacity to enter into this agreement
- • You'll use our app in compliance with these terms and applicable laws
- • You understand these terms may change over time
Fintera provides financial calculation tools and related services to help you with personal finance decisions.
What We Provide
- • Financial calculation tools
- • Data storage and synchronization
- • Customer support
- • Regular app updates and improvements
Important Notes
- • Services may change or be discontinued
- • Some features require subscription
- • We may have temporary service interruptions
- • Not all features available in all regions
To access certain features, you may need to create an account. Here are your responsibilities:
Account Security
Keep your login credentials secure and don't share them with others
Accurate Information
Provide accurate and up-to-date information when creating your account
One Account Per Person
Create only one account and don't let others use your account
Fintera offers premium features through auto-renewable subscription plans. Here's what you need to know:
Available Subscription Plans
Monthly Subscription
• Length: 1 month
• Auto-renews monthly
• Price displayed at purchase
Annual Subscription
• Length: 1 year
• Auto-renews annually
• Price displayed at purchase
Subscription Terms
- Subscriptions automatically renew unless cancelled before renewal date
- You can cancel anytime through your device's subscription settings
- Payment charged at confirmation of purchase
- Refunds processed according to Apple/Google store policies
Payment Processing
- All payments processed through Apple App Store or Google Play Store
- Secure payment processing via RevenueCat
- Prices may vary by region and currency
- Billing managed by your platform (iOS/Android)
Cancellation & Refunds
You can cancel your subscription at any time through your device settings:
- • iOS: Settings → Apple ID → Subscriptions
- • Android: Google Play Store → Menu → Subscriptions
Refund policies are governed by Apple App Store or Google Play Store terms. Contact our support team if you need assistance with refund requests.
To ensure a positive experience for all users, please follow these guidelines:
You May
- ✅ Use the app for personal financial calculations
- ✅ Share general feedback and suggestions
- ✅ Contact support for help
- ✅ Export your own data
You May Not
- ❌ Reverse engineer or hack the app
- ❌ Share your account with others
- ❌ Use the app for illegal activities
- ❌ Attempt to access other users' data
Important Financial Disclaimer
Fintera is NOT financial advice. Our calculations are for educational and informational purposes only. Always consult with qualified financial professionals before making important financial decisions.
Service Availability
We strive for 99.9% uptime but cannot guarantee uninterrupted service. Maintenance and updates may cause temporary interruptions.
Calculation Accuracy
While we work hard to ensure accuracy, calculations may contain errors. Always verify important calculations independently.
Liability Limitation
Our liability is limited to the amount you paid for the service. We're not responsible for financial decisions based on our calculations.
Either you or Fintera may terminate your access to the service at any time:
You Can Leave Anytime
- • Delete the app from your device
- • Cancel your subscription
- • Request account deletion
- • Export your data first if needed
We May Suspend Access If:
- • You violate these terms
- • You engage in illegal activities
- • Your account has been compromised
- • Required by law
After Termination
Your data will be deleted according to our Privacy Policy. Some provisions of these terms (like disclaimers and limitations) will continue to apply even after termination.
Changes to Terms
We may update these terms from time to time. We'll notify you of significant changes and update the "Last updated" date.
Your continued use of the app after changes means you accept the updated terms.
Governing Law
These terms are governed by the laws of the jurisdiction where you reside, subject to applicable international agreements. For users in the United States, California law shall apply. For users in other countries, local consumer protection laws may provide additional rights.
Dispute Resolution: We encourage resolving disputes through direct communication. If formal proceedings are necessary, they will be conducted in accordance with the laws of your jurisdiction.
Questions or Concerns?
Email: admin@fintera.co
Response Time: Within 5 business days
Subject Line: Terms of Service Inquiry
Thank you for using Fintera responsibly