Terms and Conditions

Terms and Conditions - FINAN APP

Welcome to FINAN APP! These Terms and Conditions ("Terms") govern your use of our mobile application and related services ("Services"). By downloading, accessing, or using FINAN APP, you agree to comply with these Terms. If you do not agree, please do not use our app.

1. Acceptance of Terms

By using FINAN APP, you confirm that:

You are at least 18 years old (or the legal age in your jurisdiction).
You have the authority to enter into this agreement.
You will not misuse the app for illegal or unauthorized purposes.

2. Account Registration & Security

You must provide accurate and complete information when creating an account.
You are responsible for maintaining confidentiality of your login credentials.
Notify us immediately of any unauthorized access or security breaches.

3. Permitted Use

FINAN APP is designed for personal financial management. You agree to:

Use the app only for lawful purposes.
Not reverse-engineer, hack, or distribute unauthorized copies.
Not use bots, scrapers, or automated tools to extract data.

4. Financial Data & Third-Party Integrations

If you link bank accounts, FINAN APP will access transaction data read-only (no withdrawals/modifications).
We use encryption to protect your data but are not liable for breaches caused by third-party services.
Always review the terms & privacy policies of linked financial institutions.

5. Subscription & Payments (If Applicable)

Free features are available without payment.
Premium subscriptions (if offered) auto-renew unless canceled.
Payments are processed via secure gateways (Google Play/App Store). Refunds follow platform policies.

6. Intellectual Property

FINAN APP’s software, logos, and content are owned by us or licensed partners.
You may not copy, modify, or redistribute any part of the app without permission.

7. Disclaimer of Warranties

FINAN APP is provided "as is" without warranties of:

Accuracy (financial data may vary due to syncing delays).
Uninterrupted access (we may perform maintenance or updates).
Fitness for a specific purpose (we provide tools, not financial advice).

8. Limitation of Liability

We are not liable for:

Financial losses due to app errors or misuse.
Third-party actions (e.g., bank outages, fraud).
Indirect damages (e.g., lost profits, data breaches).

9. Termination

We may suspend or terminate your access if you:

Violate these Terms.
Engage in fraudulent activity.
Cause harm to other users or our services.

10. Governing Law & Disputes

These Terms are governed by the laws of [Your Country/State].
Disputes will first be resolved via negotiation; unresolved issues may proceed to arbitration/court.