Terms and Conditions

Last updated: May 1, 2026

Welcome to Finanxy. These Terms and Conditions (“Terms”) govern your use of the Finanxy application (“App”) operated by Artha Maevia Reveria (“we,” “our,” or “us”).

By downloading, installing, or using our App, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our App.

1. Acceptance of Terms

By accessing and using Finanxy, you accept and agree to be bound by these Terms and any additional policies or guidelines that may apply to specific features of the App.

2. Description of Service

Finanxy is a financial management application that helps users track, organize, and manage their financial data through various tools and features available within the application.

3. License to Use

We grant you a non-exclusive, non-transferable, non-sublicensable, revocable, limited license to use the App for your personal or business use in accordance with these Terms. You may not:

Modify, distribute, or create derivative works of the App
Reverse engineer, decompile, or disassemble the App
Use the App for any illegal or unauthorized purpose
Share access to your account in a way that is not permitted by the App

4. User Accounts and Registration

You must sign in to access most features of our App. When using an account, you agree to:

Provide accurate and complete account information
Protect access to your signed-in account, device, and any connected services you use with Finanxy
Accept responsibility for activities under your account
Notify us as soon as reasonably possible of any suspected unauthorized access or misuse of your account

5. User Responsibilities

You are responsible for:

The accuracy of all data you enter into the application
Complying with applicable laws and regulations in your jurisdiction
Any financial decisions you make based on information from the app
Maintaining the confidentiality of your account information and the security of the devices and services you use to access the App

6. Premium Features and Subscriptions

Subscription Terms

Premium features and add-ons require an active paid subscription or other eligible purchase, as applicable
If offered through the app store, subscriptions may automatically renew unless you cancel them through your store account
Cancellation generally takes effect at the end of the current paid billing period unless the platform states otherwise
Refunds, billing disputes, and purchase management are governed by the relevant app store’s policies and applicable law
Except as required by the applicable app store’s policies or by law, we do not provide refunds for unused time or partial billing periods
Access to premium features may vary based on your plan and active add-ons

7. Financial Information and Guidance

You acknowledge that:

You are responsible for the accuracy of all financial data entered
Any guidance, suggestions, or information provided by the app, including AI-powered features, is for informational and educational purposes only
Such information should not be considered as professional financial, tax, legal, or accounting advice
You should consult with qualified professionals for important financial decisions
We are not responsible for any financial losses or decisions based on information provided by the App

8. Data Backup and Security

While we implement security measures to protect your data:

You are responsible for maintaining regular backups of your data
Local backup and Google Drive backup may be available through eligible backup flows in the app
Cloud backup and sync are premium features and may require an eligible subscription
If you have premium access, we recommend enabling cloud backup and sync, because it allows you to use journal sharing and other connected features.
No system is 100% secure, and you use the App at your own risk
Report any security incidents immediately

9. Prohibited Uses

You may not use our App:

For any unlawful purpose or to solicit unlawful acts
To violate applicable laws, regulations, or third-party rights
To transmit or procure viruses, worms, or other destructive code
To infringe upon intellectual property rights
To harass, abuse, or harm others
For money laundering or other illegal financial activities

10. Intellectual Property

The App and its original content, features, and functionality are and will remain the exclusive property of Artha Maevia Reveria and its licensors. The App is protected by copyright, trademark, and other applicable laws. Our trademarks may not be used without our prior written permission.

11. Termination

We may suspend or terminate your access to the App immediately, without prior notice or liability, if you materially breach these Terms, use the App unlawfully, abuse the service, or create risk for us or other users. Upon termination, your right to use the App will cease, subject to any rights that must continue by law.

12. Disclaimer of Warranties

The App is provided on an “AS IS” and “AS AVAILABLE” basis. To the fullest extent permitted by law, we disclaim warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

13. Limitation of Liability

In no event shall Artha Maevia Reveria, to the fullest extent permitted by law, be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunities arising out of or related to your use of the App.

14. Changes to Terms

We reserve the right to modify these Terms at any time. If we make material changes, we may notify users through the App, by email, or by updating the date at the top of these Terms. Your continued use of the App after the updated Terms take effect constitutes acceptance of the revised Terms.

15. Contact Information

If you have any questions about these Terms and Conditions, please contact us at: contact@finanxy.app.