Terms of Use

1. Acceptance of Terms

By downloading, installing, accessing, or using the FinWise mobile application (“the Application”) or accessing our promotional website (finwise.delolabs.app), you agree to be bound by these Terms of Use (“Terms”) and our Privacy Policy. If you do not agree to these Terms, you must not download, install, or use the Application.

2. Scope and Nature of Service

FinWise is designed solely as a personal organizational tool for recording, reviewing, categorizing, and budgeting personal expenses.

3. Eligibility and Account Registration

To use certain features such as cloud synchronization and multi-device backup, you may register or authenticate an account using supported sign-in providers (such as Google Sign-In).

• FinWise is intended for users aged 18 and over as a product policy.
• You are responsible for maintaining the confidentiality of your credentials and for all activities that take place under your account.
• You agree to notify us immediately at support@finwise.delolabs.app if you discover any unauthorized use of your account.

4. Permitted Use and Restrictions

You agree to use FinWise solely for lawful personal purposes. You agree NOT to:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the mobile application or backend services.
• Circumvent, disable, or tamper with security-related features, authentication protocols, or access restrictions.
• Use automated bots, scrapers, or scripts to overload or abuse the Application’s cloud infrastructure.
• Upload or transmit harmful code, viruses, malware, or unlawful, fraudulent, or defamatory content.

5. In-App Purchases, Subscriptions & Billing

Certain enhanced features and service quotas may be offered through optional Google Play subscriptions:

• Google Play Billing: All in-app purchases and subscriptions are processed directly through Google Play’s official billing system. Billing terms, currency conversions, and applicable taxes are governed by the Google Play Terms of Service.
• Renewal & cancellation: Any renewal, price, trial, cancellation, and refund terms shown by Google Play at purchase apply. Manage or cancel an active subscription through your Google Play account settings.
• Refunds: Refund requests are handled according to Google Play refund policies. If you encounter billing issues, you may also reach out to our team at support@finwise.delolabs.app for guidance.
• Trial eligibility: Weekly has no free trial. Monthly and Yearly may include a 3-day trial only when Google Play determines that the Google Play account is eligible. Deleting and recreating a FinWise account does not reset prior trial or subscription history.

6. Intellectual Property Rights

The Application, including its name, logo, iconography, visual interface, artwork, software codebase, and promotional content, is the exclusive intellectual property of FinWise and DeloLabs. You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use the app in binary form on your personal devices.

You retain full ownership of the transaction records, notes, and custom categories that you enter into the application.

7. Termination and Account Deletion

You may terminate your agreement with us at any time by deleting your account via the in-app settings (Settings > Privacy & Data > Delete Account) or by submitting a web request through our Data Deletion Page.

We reserve the right to suspend or terminate your account access if you violate these Terms or engage in fraudulent, harmful, or abusive behavior toward our systems or other users.

8. Limitation of Liability and Disclaimer of Warranties

FinWise is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied.

To the maximum extent permitted by applicable law, in no event shall DeloLabs, FinWise, its developers, or affiliates be liable for any direct, indirect, incidental, consequential, special, or exemplary damages—including but not limited to loss of profits, financial miscalculations, data corruption, or device malfunction—arising out of or in connection with your use or inability to use the Application.

9. Modifications to Terms

We may update these Terms when the product, providers, or applicable requirements change. We will publish a new version and effective date above; where an update requires a new acceptance flow, the app will request it.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws applicable in India, subject to any non-waivable consumer protections that apply to you. Before starting formal proceedings, please contact us so we can try to resolve the concern in good faith.

11. Contact Information

If you have questions, feedback, or legal inquiries regarding these Terms of Use, please reach out to: