Terms and Conditions

1. Acceptance of Terms

Welcome to Finora - Smart Money Manager ("Finora," "we," "us," or "our"). These Terms and Conditions ("Terms") govern your use of our mobile application (the "App") and related services.

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

2. Description of Service

Finora is a personal finance management application that allows users to:

• Track income and expenses
• Create and manage budgets
• Set financial goals
• Receive financial insights and reports
• Manage bill reminders and notifications
• Store receipt photos

The App is provided for personal, non-commercial use only.

3. User Accounts

To use certain features of the App, you must create an account. You agree to:

• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly update any changes to your information
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use of your account

You must be at least 13 years old to create an account. If you are under 18, you represent that you have your parent's or guardian's permission to use the App.

4. User Conduct

When using the App, you agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws
• Attempt to gain unauthorized access to any part of the App or its systems
• Interfere with or disrupt the App's functionality
• Upload viruses, malware, or other harmful code
• Reverse engineer, decompile, or disassemble the App
• Use automated means to access or use the App without our permission
• Share your account credentials with others
• Impersonate another person or entity

5. Intellectual Property

The App and its original content, features, and functionality are owned by Finora and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes. This license does not include any right to:

• Modify or create derivative works of the App
• Use the App for commercial purposes
• Remove any copyright or proprietary notices
• Transfer the App to another person or "mirror" it on any other server

6. User Content

You retain ownership of any content you submit to the App, including transaction data, notes, and photos ("User Content"). By submitting User Content, you grant us a license to use, store, and process this content solely for the purpose of providing and improving our services.

You are solely responsible for your User Content and represent that:

• You own or have the necessary rights to the content
• The content does not violate any third-party rights
• The content is not unlawful, harmful, or offensive

7. Data and Privacy

Your privacy is important to us. Our collection and use of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

We implement industry-standard security measures to protect your data. However, no method of electronic storage or transmission over the internet is 100% secure, and we cannot guarantee absolute security.

8. Financial Disclaimer

Finora is a personal finance management tool and is not a financial advisor, bank, or financial institution. The App provides tools for tracking and organizing your financial information but does not provide financial, investment, tax, or legal advice.

You acknowledge that:

• The App is not a substitute for professional financial advice
• We are not responsible for any financial decisions you make based on the App's features
• You should consult with qualified professionals before making significant financial decisions
• Past financial performance shown in the App does not guarantee future results

9. Third-Party Services

The App may integrate with or contain links to third-party services. We are not responsible for the content, accuracy, or practices of these third-party services. Your use of third-party services is subject to their respective terms and conditions.

10. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FINORA SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• LOSS OF PROFITS, DATA, OR GOODWILL
• SERVICE INTERRUPTION OR COMPUTER DAMAGE
• COST OF SUBSTITUTE SERVICES
• ANY DAMAGES RESULTING FROM YOUR USE OF THE APP

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE PAST TWELVE MONTHS, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify, defend, and hold harmless Finora and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights
• Your User Content

13. Termination

We may terminate or suspend your account and access to the App at our sole discretion, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination:

• Your right to use the App will immediately cease
• We may delete your account and User Content
• Provisions that should survive termination will remain in effect

You may terminate your account at any time by deleting it through the App settings.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms on this page and updating the "Last Updated" date. Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Finora operates, without regard to its conflict of law provisions.

16. Dispute Resolution

Any disputes arising out of or relating to these Terms or the App shall first be attempted to be resolved through informal negotiation. If the dispute cannot be resolved informally, it shall be submitted to binding arbitration in accordance with the rules of the applicable arbitration association.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Finora regarding the App and supersede all prior agreements and understandings.

19. Contact Information

If you have any questions about these Terms, please contact us at:

• Email: legal@finora.app
• Support: support@finora.app