Terms of Service

1. Who We Serve

Finly is designed for freelancers, creators, consultants, gig workers, and independent professionals. You must be:

• At least 18 years old
• Able to legally form a contract
• Using Finly only for lawful business or personal finance purposes

2. Finly's Services

We help you:

• Track income across banks and platforms
• Create and send invoices
• Detect tax deductions and estimate savings
• Generate IRS-ready reports
• Forecast cash flow and financial trends
• Chat with AI-driven assistants for financial support

We're not a bank, CPA, or tax advisor—but we aim to make those things easier to navigate.

3. User Responsibilities

You agree to:

• Provide accurate and complete information
• Keep your login credentials secure
• Use the platform for legal and appropriate purposes
• Not interfere with Finly's operations or security

You're responsible for your own financial decisions. Always consult a licensed advisor for tax or legal matters.

4. AI Tools and Disclaimers

Finly offers AI-powered insights, such as:

• Chat assistants for financial questions
• Smart deduction suggestions
• Personalized savings and tax tips

Some AI features may retain anonymized history to improve quality. See our Privacy Policy for more.

5. Payments and Subscriptions

Some features may require a paid subscription. If so:

• Fees are clearly disclosed before purchase
• Plans may auto-renew unless canceled
• You may cancel anytime via app settings or by contacting support

All fees are non-refundable unless required by law.

6. Third-Party Integrations

Finly may connect to services like:

• Plaid (to link your bank accounts)
• Stripe/PayPal (to send or receive money)
• Google Analytics or Mixpanel (to improve functionality)

These services are governed by their own terms and privacy policies.

7. Account Suspension or Termination

We may suspend or terminate your account if you:

• Violate these Terms
• Misuse the platform
• Attempt to access unauthorized data

You can cancel your account at any time. We may retain data per legal or technical requirements, as explained in our Privacy Policy.

8. Intellectual Property

Finly, our logo, product designs, and software are our property. You may not copy, modify, or distribute them without written permission.

You retain rights to any content you upload (e.g., receipts, invoice templates).

9. Limitation of Liability

To the fullest extent permitted by law:

• Finly is provided "as is" with no warranties
• We are not liable for any loss of income, tax penalties, or indirect damages
• Our total liability is limited to what you've paid us (if anything) in the past 12 months

10. Governing Law

These Terms are governed by the laws of the State of Delaware, USA. Any disputes must be resolved in the courts of Delaware.

11. Updates to These Terms

We may revise these Terms from time to time. If the changes are material, we'll notify you via the app or email. Continued use of the Service means you accept the new Terms.

12. Contact Us

If you have questions or feedback, reach us at: