Legal
Terms & Conditions
The legal framework governing your use of Fin OS.
Effective Date: January 1, 2026
Introduction & Acceptance
Effective Date: January 1, 2026 Welcome to Fin OS, developed by Veera Manikanta ("we", "us", "our"). By downloading, installing, or using the Fin OS mobile application ("the App"), you agree to be bound by these Terms and Conditions. If you do not agree, please do not use the App. These Terms govern your use of all features, including the Wallet Engine, Budget System, Decision Tools, Cloud Backup, and Shared Spaces.
1. Nature of the Service — No Financial Advice
Fin OS is an informational and organisational tool designed to help you track your personal finances, budgets, and financial goals. • Not a Financial Advisor: We are not a bank, broker, tax professional, or registered financial advisor. • No Guarantee of Accuracy: The app uses on-device algorithms to categorise transactions and project financial trends. These are estimates provided for convenience only. Do not make critical financial, legal, or tax decisions based solely on the app's output without consulting a certified professional. • Simulations: Tools such as the FIRE Planner, Debt Freedom Planner, and Cash Flow Forecast use historical data and mathematical models to project future outcomes. These are not financial guarantees. Actual results may differ due to market changes, tax law changes, or other factors outside our control.
2. Free Trial, Subscriptions & Billing
2.1 FREE TRIAL — A 30-day free trial granting full Pro access begins on your first install. No payment is required to start the trial. 2.2 FREE TIER — After the trial period, you may continue using the App with a free tier that includes limited accounts, budget envelopes, and basic insights. The free tier has no time limit and requires no payment. 2.3 PAID SUBSCRIPTIONS — Continued full Pro access after the trial requires a paid Monthly or Yearly subscription. Prices are displayed in the subscription screen and may vary by region. 2.4 AUTO-RENEWAL — Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. Renewal charges apply to the linked payment method on file with Google Play. 2.5 BILLING INFRASTRUCTURE — All payments are securely processed through Google Play Billing. We use RevenueCat, a third-party subscription management service, to validate and manage your purchase status. We do not directly collect, process, or store your credit card information. 2.6 REFUNDS — All refund requests must be submitted through the Google Play Store in accordance with Google's standard refund policy. Contact finosapp.dev@gmail.com for additional support.
3. Shared Spaces
Shared Spaces is an optional feature that lets you connect with a trusted person and maintain a joint financial ledger. 3.1 CONSENT REQUIRED — You must provide explicit in-app consent before any data is transmitted through Shared Spaces. You may revoke this consent at any time from within the App. 3.2 YOUR RESPONSIBILITY — You are responsible for only connecting with persons who have agreed to receive your shared data. You are responsible for the accuracy of transaction data you share. 3.3 AVAILABILITY — Shared Spaces requires an internet connection. We do not guarantee uninterrupted availability of the relay infrastructure. Offline queuing is provided as a best-effort mechanism. 3.4 DATA RECEIVED BY YOUR PARTNER — Transaction data delivered to a connected partner's device is stored locally on their device. You acknowledge that once delivered, this data cannot be remotely deleted by us.
4. Data Ownership & Your Responsibility
Your Data: You retain full ownership of all financial data you enter into Fin OS. We do not claim any rights to your transaction data, account information, or any other personal financial records. Data Loss: You are solely responsible for maintaining backups of your data. If you lose your device or uninstall the App without having enabled cloud backup, your local data may be permanently lost. We are not liable for any data loss. Data Accuracy: You are responsible for the accuracy of information you input or import via CSV or bank statement files.
5. Security & Authentication
You are responsible for safeguarding your device and your Fin OS account. • Biometric Lock: If you enable App Lock, you are responsible for managing your device's biometric settings. • Cloud Vault Password: Your cloud backup password is your sole responsibility. We cannot recover it on your behalf. Loss of this password may result in permanent inability to decrypt your cloud backup. • Account Security: You are responsible for maintaining the confidentiality of any passwords or authentication methods associated with your Google account used to sign in to the App.
6. Licence & Prohibited Uses
We grant you a personal, non-transferable, non-exclusive, revocable licence to use the App for your own personal finance tracking. You may not: • Reverse-engineer, decompile, or attempt to extract the App's source code. • Use the App for any illegal or unauthorised purpose, including tracking the proceeds of illegal activities, fraud, or money laundering. • Use Shared Spaces to transmit false, fraudulent, or misleading financial data to another user. • Attempt to circumvent the subscription system through technical or other means. • Use the App to provide financial tracking services commercially on behalf of third parties without our written permission.
7. Third-Party Services
Fin OS integrates with third-party services including Google (Firebase Authentication and Google Drive), RevenueCat (subscription management), and Supabase (Shared Spaces relay). Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the availability, uptime, or security of these third-party platforms.
8. Limitation of Liability
To the maximum extent permitted by applicable law, Veera Manikanta and Fin OS shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from: • Your access to, use of, or inability to access or use the App. • Any unauthorised access to your local database or cloud backups. • Any calculations, categorisations, or financial projections generated by the App. • Loss of data resulting from device failure, uninstallation, or failure to maintain backups.
9. Termination
We reserve the right to suspend or terminate your access to the App at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties. You may terminate your agreement to these Terms at any time by deleting your account and uninstalling the App. Your locally stored data is not affected by account deletion unless you also use the "Reset App Data" function.
10. Changes to These Terms
We may update these Terms from time to time. We will provide notice of significant changes by updating the Effective Date at the top of this document and, where material, by displaying an in-app notice. Your continued use of the App after changes constitutes acceptance of the updated Terms.
11. Governing Law & Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes, claims, or proceedings arising out of or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the competent courts of Andhra Pradesh, India.
12. Contact
If you have any questions about these Terms, please contact us: Email: finosapp.dev@gmail.com Website: www.finosapp.com