Terms & Conditions

Using FinFlow

FinFlow is a personal project, not a company or a licensed financial product. By creating an account, you're agreeing to these terms. If that doesn't work for you, please don't sign up.

What FinFlow is — and isn't

FinFlow tracks accounts, spending, budgets and goals you record yourself — either typed in, or read from a bank/card statement file you upload — and shows you totals, trends and where you might save. It does not connect to any real bank, card, or investment account, cannot see your actual balances, and cannot move money on its own.

It is not a bank, a payment service, an investment platform, or a source of financial advice. Anything it shows — totals, "where you could save" suggestions, projections, or a written read of your month, including anything generated with the help of an AI model — is informational, based only on what you entered or uploaded, and never a recommendation to buy, sell, save in, or invest in anything specific. Decisions about your money are yours.

Your data, your accuracy

FinFlow calculates from what you enter. If a number you typed is wrong, everything downstream of it will be too — that's on the data, not a bug. Keep your login secure; you're responsible for activity on your account.

No guarantees

FinFlow is provided as-is, run and maintained by one person in their spare time. There's no uptime guarantee, no support SLA, and no warranty of any kind. It may change, break, or be discontinued without notice. To the extent the law allows, FinFlow and its operator aren't liable for any loss — financial or otherwise — arising from using it, or from being unable to.

Premium

Some features require a paid subscription, billed monthly or annually through Razorpay. Starting one opens a 14-day free trial; the first charge lands only after that, and cancelling before then costs nothing. Cancelling later stops future renewal but keeps premium working for the period you've already paid for — no partial refund for time unused.

If a renewal payment fails, premium keeps working for a further 7-day grace period while Razorpay retries the charge, after which the account reverts to the free tier until payment succeeds.

Accounts

You can delete your account and all its data at any time from Settings. I can suspend or remove an account that's used to abuse the service or break the law.

Changes

These terms may change as the project does. The date at the top reflects the latest version; continuing to use FinFlow after a change means you accept it.

Governing law

These terms are governed by the laws of India.