Terms of Service

Pre-launch note: Finnari hasn't launched publicly yet. These terms have been researched to reflect Stacked Global LLC's actual structure and Finnari's actual features, but should still get a final read from a licensed attorney before submission to the App Store and Google Play.

1. Acceptance of these terms

By creating an account, joining the waitlist, or using the Finnari app, you agree to these Terms of Service. If you don't agree, please don't use Finnari. These terms apply to users anywhere in the world, unless local law requires something different for you (see section 13).

2. What Finnari is

Finnari is a personal budgeting app that helps you track spending, set budgets and goals, and stay on top of your money, with the help of Finn, our in-app companion. Finnari is a budgeting tool, not a bank, a lender, or a payment processor. We don't move, hold, or transfer your money. We only read and display information (with your permission) so you can see it in one place. Finnari does not provide financial, investment, tax, or legal advice. Decisions about your money are yours to make.

3. Accounts and eligibility

You must be at least 18 years old to use Finnari.
You're responsible for keeping your account credentials secure.
Information you give us (like your email) should be accurate.
By using Finnari, you confirm you're not located in, or a resident of, any country or region subject to a US government embargo, and that you're not on any US government list of prohibited or restricted parties.

4. Subscriptions & billing

Finnari offers a free tier and an optional paid subscription ("Finnari Premium") with additional features.
Paid subscriptions are billed through the Apple App Store or Google Play, and renew automatically until cancelled.
You can cancel anytime through your App Store or Google Play account settings. Cancelling stops future renewals but doesn't refund the current period.
Refunds are handled according to Apple's and Google's own refund policies, since they process the payment, not us directly.

5. Connecting a bank account

If you choose to link a bank account, that connection is provided by Plaid, a third party, and is also subject to Plaid's own terms and end user privacy policy, which you'll be asked to accept before linking. Linking a bank account is always optional. Finnari works with manually entered accounts too.

6. Acceptable use

Please don't:

Try to break, reverse-engineer, or interfere with the app or its systems
Use Finnari for anything illegal
Share your account with people it wasn't set up for

7. Intellectual property

Finnari, the Finnari name and logo, Finn the fox, and the app's design and content belong to Stacked Global LLC. You keep ownership of the data you enter into the app (your transactions, budgets, notes). Using Finnari doesn't give you any ownership rights in the app itself.

8. Disclaimers

Finnari is provided "as is." We work hard to keep balances, budgets, and calculations accurate, but we can't guarantee the app will always be error-free, uninterrupted, or perfectly in sync with your bank. Always check your actual bank statements for anything that matters financially.

9. Limitation of liability

To the extent allowed by law, Stacked Global LLC isn't liable for indirect, incidental, or consequential damages arising from your use of the app, including financial decisions made based on information shown in it.

10. Indemnification

If your misuse of Finnari or violation of these terms causes a claim against us, you agree to cover the reasonable costs that result from it, to the extent permitted by law.

11. Ending your use of Finnari

You can stop using Finnari and delete your account at any time from within the app. We may suspend or terminate accounts that violate these terms.

12. Changes to these terms

If we make material changes, we'll update the date at the top of this page and let you know in the app.

13. Governing law and disputes

These terms are governed by the laws of the State of Wyoming, USA, without regard to conflict-of-law principles. If you have a dispute with us, please contact us first at hello@finnari.app so we can try to resolve it directly. If we can't, disputes will be handled in the state or federal courts located in Wyoming, except where local consumer-protection law gives you the right to bring a claim in your own country or state instead.

14. If part of these terms isn't enforceable

If any part of these terms turns out to be unenforceable, the rest still applies. These terms, together with our Privacy Policy, are the entire agreement between you and Stacked Global LLC about using Finnari.

15. Contact

Questions about these terms? Email hello@finnari.app or visit our contact page.