Plain English summary: Use FIN-Tracker fairly and legally. We provide the service in good faith but cannot guarantee it will always be error-free. You own your data. You can cancel anytime. We can terminate accounts that misuse the service.
By creating an account and using FIN-Tracker ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
These terms are governed by the laws of England and Wales.
FIN-Tracker is a personal finance tracking application that allows you to record income and expenses, set budgets, import bank statements and track your financial goals. The Service is provided by FIN-Tracker, operated as a sole trader business in the United Kingdom.
You must be at least 18 years old to use FIN-Tracker. By creating an account, you confirm that you are 18 or older and that all information you provide is accurate and complete.
You are responsible for maintaining the security of your account password. You must notify us immediately at hello@fin-tracker.app if you suspect any unauthorised access to your account.
You are responsible for all activity that occurs under your account. We cannot be held liable for any loss or damage arising from unauthorised use of your account.
Free tier: FIN-Tracker offers a free tier with limited features at no cost. The free tier may be changed or discontinued at any time with reasonable notice.
Pro subscription: The Pro plan is available at £9.99 per month or £79 per year, billed in advance. Payments are processed by Lemon Squeezy and Stripe.
Cancellation: You may cancel your Pro subscription at any time. Upon cancellation, you will retain Pro access until the end of your current billing period. No refunds are issued for partial billing periods, except where required by law.
Price changes: We reserve the right to change subscription prices. We will provide at least 30 days' notice of any price increase by email. Continuing to use the Service after a price change constitutes acceptance of the new price.
Consumer rights: Under the Consumer Contracts Regulations 2013, you have a 14-day cooling-off period from the date of purchase. If you request a refund within this period and have not made significant use of the Pro features, we will issue a full refund.
You agree not to use FIN-Tracker to:
You own all financial data you enter into FIN-Tracker. We do not claim any rights over your data. You can export your data at any time from Settings → Export CSV, and you can delete your account and all associated data at any time.
By using the Service, you grant us a limited licence to store and process your data solely for the purpose of providing the Service to you.
FIN-Tracker is a personal finance tracking tool only. Nothing in the Service constitutes financial advice, investment advice, tax advice or any other professional advice. You should consult a qualified financial adviser before making any financial decisions.
We are not responsible for any financial decisions you make based on information displayed in FIN-Tracker.
While we take care to ensure FIN-Tracker functions correctly, we cannot guarantee that calculations, categorisations or imported data are always accurate. You are responsible for verifying the accuracy of your financial records. We recommend cross-checking important figures with your official bank statements.
We aim to keep FIN-Tracker available at all times but cannot guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates or circumstances beyond our control. We will endeavour to provide advance notice of planned maintenance where possible.
To the fullest extent permitted by law, FIN-Tracker shall not be liable for any indirect, incidental, special, consequential or punitive damages, including but not limited to loss of profits, data or goodwill, arising from your use of or inability to use the Service.
Our total liability to you for any claim arising from these terms or your use of the Service shall not exceed the total amount you have paid to us in the 12 months preceding the claim.
Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded by law.
You may close your account at any time by deleting your data in Settings and ceasing use of the Service, or by emailing us at hello@fin-tracker.app.
We reserve the right to suspend or terminate accounts that violate these Terms of Service, with or without notice depending on the severity of the violation. In the event of termination due to our breach of these terms, we will refund any unused portion of a prepaid subscription.
We may update these Terms of Service from time to time. We will notify you by email at least 14 days before any material changes take effect. Continuing to use the Service after changes take effect constitutes your acceptance of the updated terms.
These Terms of Service are governed by the laws of England and Wales. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of England and Wales.
For any questions about these Terms of Service, please contact us at hello@fin-tracker.app.