Terms of use

1About these terms

By installing or using FinBuddee you agree to these terms and to the privacy policy. If you do not agree, do not use FinBuddee. We may update these terms; if a change is significant we will notify you in the app before it takes effect, and continuing to use FinBuddee after that means you accept the updated terms.

2What FinBuddee is and is not

FinBuddee is a financial organization tool. It is not a bank and does not provide investment, tax, lending, or financial-advisory services. FinBuddee does not hold, transfer, or control your money, and nothing in the app is a recommendation to make any financial decision.

3Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use FinBuddee. You sign in with your Google account, and you are responsible for keeping that account and your phone secure and for activity under your FinBuddee account. Tell us promptly at finbuddee@gmail.com if you suspect unauthorized use.

4Free plan and FinBuddee Premium

The free plan stores your financial data on your phone. If you lose or reset the phone, or uninstall the app, data stored only on that phone may be lost, and we cannot recover it.

FinBuddee Premium adds cloud sync across devices, Gmail and statement imports, family sharing for up to five members, notifications, advanced parsing, and read-only AI-assistant access. Features can change as FinBuddee develops; we will not remove a core paid feature during a period you have already paid for without offering a fair remedy.

5Subscriptions and billing

• Premium is sold as an auto-renewing subscription through Google Play: ₹99 per month or ₹999 per year in India, including applicable taxes. Prices elsewhere, and the final price, are shown by Google Play before you pay. There is no free trial.
• Google Play charges your payment method at the start of each period. The subscription renews automatically until you cancel.
• You can cancel anytime in Google Play under Payments & subscriptions. Cancelling stops future renewals; Premium stays active until the end of the period you paid for. Uninstalling the app or deleting your FinBuddee account does not cancel a subscription.
• If a renewal payment fails, Google Play retries it and Premium stays active for a 7-day grace period. If payment is still not received, the subscription is put on hold for up to 30 days and your cloud data becomes read-only. When the subscription ends, you keep read-only access to your cloud data until you subscribe again or delete your account.
• One Premium subscription covers the family group of the member who bought it.
• Refunds are handled under Google Play's refund policies and applicable law. We may change prices for future billing periods; Google Play will notify you in advance as its policies require.

6Family groups

With Premium, you can create a family group and invite up to five members, or join one with an invite code. Members of a family group can see the family's shared financial information. Only invite people you trust, and only add information you have the right to share. The family owner can remove members, and any member can leave.

7Your data and data sources

You may only connect SMS, email accounts, and statements that you are entitled to access. You keep ownership of your data. You give FinBuddee permission to process it only as needed to provide, secure, and improve FinBuddee as described in the privacy policy.

8Automation and accuracy

Extraction, categorization, duplicate matching, and transfer classification are automated and may be incomplete or wrong, and supported banks and formats change over time. Review your records, and verify any information before relying on it for financial, tax, or legal decisions.

9Message-format samples from on-device reviews

On the free plan, your messages are parsed on your phone. When you resolve a message FinBuddee could not read, either by saving it as a transaction or by answering that it is not a transaction, the app may send us an anonymous template of that message's format so we can add support for it.

Before anything leaves your device, every amount, date, number, account or card digit, reference, phone number, link, email or UPI address is replaced with a placeholder, and any word that is not common banking vocabulary is replaced as well. The template never contains the amount, date, merchant name, category or account you entered. It is sent with the bank's sender code and your answer's type (debit, credit, transfer or not a transaction).

Templates are stored without any link to your account, family or device, and are counted only so that formats seen from several devices can be reviewed by us before becoming a parsing rule. Sharing templates is currently on for all free-plan users; an in-app setting to turn it off is planned.

10Connected AI assistants

With Premium, you can authorize third-party AI apps to read your FinBuddee data, read-only. Those apps are provided by third parties under their own terms and privacy policies, and FinBuddee is not responsible for their answers or how they use the data you let them read. You can revoke an app at any time in FinBuddee's settings.

11Acceptable use

You agree not to:

• Use FinBuddee to break the law or to access data you are not entitled to.
• Interfere with, overload, probe, or bypass the security of FinBuddee's services.
• Reverse engineer, copy, or resell the app or services, except where the law allows it.
• Submit malicious content or someone else's data without their permission.

12Intellectual property

FinBuddee, its app, website, and brand belong to FinBuddee and its licensors. We give you a personal, non-exclusive, non-transferable licence to use the app for your own and your family's finances while you follow these terms.

13Availability and changes

We work to keep FinBuddee available but do not guarantee that it will be uninterrupted or error-free. Cloud features depend on network access and third-party services such as Google and Microsoft Azure. We may change or discontinue features; if we discontinue Premium, we will give you notice and a way to export or keep your data where reasonably possible.

14Disclaimers and limitation of liability

FinBuddee is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim implied warranties, and we are not liable for indirect, incidental, special, or consequential losses, or for decisions you make based on information in the app.

To the extent permitted by law, our total liability for any claim relating to FinBuddee is limited to the amount you paid us for Premium in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited by law, or your rights as a consumer.

15Suspension and termination

You can stop using FinBuddee and delete your account at any time. We may suspend or end your access if you seriously or repeatedly breach these terms, if required by law, or to protect users or the service; where reasonable we will tell you first. Sections that by their nature should survive termination, such as limitations of liability, continue to apply.

16Governing law and disputes

These terms are governed by the laws of India. Please contact us first so we can try to resolve any concern informally. If we cannot, disputes will be resolved by the competent courts in India, without affecting any mandatory consumer protections you have where you live.