Terms of Service

By accessing or using Finzya, you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the service. These terms apply to all users, including visitors, free-tier users, and paid subscribers.

Finzya is a personal finance tracking and planning application. It lets you record your financial accounts, track income and expenses, set budgets and categories, plan savings goals, and project net worth, retirement, and FIRE scenarios. Your financial data is added by you — manually or by importing CSV files. Finzya does not connect to your bank and never asks for your bank login details.

To use Finzya you must create an account with a valid email address, or sign in with Google. You must be at least 16 years old. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account, and you must notify us immediately of any unauthorised use.

You are responsible for the accuracy of the data you enter and for the decisions you make based on it. Finzya is a tool to help you organise and plan — the figures, projections, and analyses are only as accurate as the information you provide. You agree to keep your login details secure and to use the service in line with these terms and applicable law.

You agree to use Finzya only for lawful purposes and in accordance with these terms. You may not use the service to store or transmit harmful, fraudulent, or illegal content; attempt to gain unauthorised access to the service, other accounts, or our systems; interfere with or disrupt the service; scrape or copy it at scale; or reverse-engineer it except where the law expressly permits.

Paid subscriptions are sold and supplied through Paddle.com Market Ltd, which acts as the merchant of record — meaning Paddle is the seller for the transaction, handles payment and tax, and is the party named on your card or bank statement. Your card details are handled directly by Paddle and we never see or store your full card number. Subscriptions are billed in advance on a recurring basis — monthly or annually, as you choose — and renew automatically until you cancel. The price you see at checkout is the total you pay, inclusive of any VAT or sales tax due in your country; the price and billing cycle are shown clearly before you confirm. We may change subscription prices with reasonable advance notice, and any change will only apply from your next billing period — never to a period you have already paid for.

You can cancel a paid subscription at any time from your account settings. Cancelling stops the next renewal; you keep access to paid features until the end of the billing period you have already paid for, after which your account reverts to the free tier. Cancelling does not delete your data. Our full refund terms — including the 14-day money-back guarantee on a first subscription, what happens if a renewal catches you out, and how to ask — are set out in our Refund Policy, which forms part of these terms. Nothing in either document affects your statutory rights as a consumer in the UK or EEA.

You retain full ownership of all data you enter into Finzya. We do not claim any rights over your financial data. You may export your data at any time via CSV, and you may request deletion of your account and all associated personal data by contacting us; we will process deletion requests within 30 days. How we handle your personal data is described in our Privacy Policy.

You may terminate your account at any time by deleting it in your settings or contacting us. We may suspend or terminate your access if you materially breach these terms, use the service unlawfully, or in a way that harms the service or other users — where practical, we will give you notice and a chance to put it right first. On termination, your right to use the service ends; you can request an export of your data beforehand, and we will delete your personal data in line with our Privacy Policy.

Finzya, its name, logo, design, and all related software and content are the intellectual property of Finzya and its creator. Using the service does not grant you any ownership rights over the software or its design. Your own financial data remains yours.

The projections, calculations, and analyses provided are based on the data and assumptions you enter. They are illustrative only — not predictions, recommendations, or guarantees of future results. You should not rely on Finzya as a substitute for professional advice. We recommend consulting a qualified, regulated financial professional before making financial decisions. The service is provided "as is" and "as available".

To the maximum extent permitted by law, Finzya and its creator shall not be liable for any indirect, incidental, or consequential loss, or for any financial decision you make based on the service. Our total liability for any claim relating to the service shall not exceed the greater of the amount you have paid us in the 12 months before the claim, or £50. Nothing in these terms limits or excludes our liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be limited or excluded under applicable law. If you are a consumer, your statutory rights are not affected.

These Terms of Service and any dispute arising from them or from your use of Finzya are governed by the laws of England and Wales, and the courts of England and Wales have jurisdiction. If you are a consumer resident in the EEA, you keep the benefit of any mandatory consumer protections of your country of residence, and you may bring proceedings in your local courts where the law gives you that right.

We may update these Terms of Service from time to time. When we make significant changes, we will notify you by email or through a notice in the application. Your continued use of the service after changes take effect constitutes acceptance of the updated terms.

If you have questions about these Terms of Service, please contact us at contact@finzya.com.