Terms of Use

1. What the service is

FinLad is an app for personal finance tracking: income and expenses, budgets, utility services, investments and assets. It helps you keep and see your own records. It is not a bank, not a payment service, and it performs no operations with your money.

Besides the app, the same account opens in a computer’s browser — the web portal at app.finlad.site. It is a second window onto the same records rather than a separate product: the account and its encryption key are created in the app, and the portal cannot be used without it. Access to it is part of the paid tier and is not sold separately.

2. This is not financial advice

Everything the app shows — statistics, forecasts, category suggestions, investment data and exchange rates — is informational only. It is not investment, tax or financial advice and not a recommendation to buy or sell any asset. Decisions about your money are yours, and we are not responsible for their outcomes.

3. Your account

• Sync requires an account — sign-in runs through Google, and on iOS through Apple as well.
• You are responsible for keeping access to your Google or Apple account and for actions taken under it.
• You can delete your account at any time in settings. This device is wiped at once; the data on the server is deleted after 7 days, during which the deletion can still be cancelled. Deleting the account does not cancel a subscription bought in Google Play or the App Store — cancel it in the store. For a Google Play subscription we also turn off its renewal when the account is finally erased; the paid period runs to its end.
• We may suspend access if an account is used to attack the service or otherwise harm other users.

An account is created in one tap and needs nothing about you — no address, no name, no Google or Apple sign-in (see section 2 of the Privacy Policy). Google sign-in — and Apple sign-in on iOS — remains an equal alternative, not a condition. Because we know nothing about you, we also cannot recognise you if you lose access: instead of "reset your password by email", the app shows a recovery code immediately after sign-up. Keeping it is your half of the arrangement, and if both the device holding the passkey and that code are lost, neither you nor we can restore the account. So keep the code, and make a backup at least once: it works with no server and no account at all.

4. Your data belongs to you

The records you create remain yours. We do not use them for advertising and do not pass them to third parties beyond what the Privacy Policy describes. Regardless of your tier and of whether a subscription is active, we commit:

• never to restrict viewing your own data, including full history;
• never to restrict restoring your own backup;
• never to require a support request to restore a purchase you already made — it must be one action in the app;
• never to delete your data because a paid period ended: you lose access to paid features, not your history.

Family access is an exception you choose yourself. The owner of a family decides whom to invite and which accounts and properties to share, and every member sees everything in them, history included. A shared account remains the owner’s: what a member enters into it becomes part of the owner’s records, and after leaving the family the member no longer has access to it. Everything a member keeps in their own accounts stays with them.

Your images — receipt and meter photos, utility bills, asset documents — are encrypted end to end under your account’s key (see the Security section of the Privacy Policy). We cannot look at them, and we will not pretend otherwise: if you write to support about a particular photo, we physically cannot open it. Your half of that follows: the recovery code is yours to keep, and if both it and every device are lost, the images cannot be recovered — not by you, and not by us.

Your figures are encrypted the same way: balances, budgets, credit schedules, asset valuations and the names you gave them (see the Security section of the Privacy Policy). We see neither the numbers nor the names — which means we cannot help with them in support either: if a figure looks wrong, we can say where to look in the app, but neither we nor anyone with access to the database can check it against what the server holds. Your half of the deal is unchanged: the recovery code is yours to keep.

5. Tiers and payment

The free tier is a complete tracker on one device: accounts, transactions, categories, budgets, statistics, property, net worth and goals, receipt photos attached to an expense you enter yourself, plus backup and data export. The paid Plus tier adds cross-device sync, bank connection, bank statement import, utility services, investments, credits and debts, recurring payments, and receipt scanning with AI categorization. Some of those need a server or an external service and some do not: a CSV or Excel statement is read on the device itself while sync is off, and the file is sent nowhere — the free tier does not have those features at all, rather than having less of them. Current prices are shown on the pricing page and in the app.

The paid tier includes the web portal at app.finlad.site — the same account in a browser window. It needs no separate payment and is not sold separately: it is the same subscription, bought in the app store, and the same account.

• Payment runs only through the app store — Google Play, and the App Store for the iOS version. We neither receive nor store your card details.
• A subscription renews automatically until you cancel it. Cancellation happens in the settings of whichever store it was bought through — access continues until the end of the paid period.
• Refunds follow that store’s rules. If you are an EU consumer, your 14-day right of withdrawal applies under EU law; in Ukraine, the guarantees of the Law "On Consumer Rights Protection" apply.
• The one-time "Plus Lifetime" purchase applies to the account that made it, with no expiry.
• The paid tier of a family’s owner also covers the members they invite (up to three) for as long as they stay in the family, with the same term as the owner’s. It ends when a member leaves or is removed, or when the owner’s tier ends. If the owner deletes their account, a member keeps the tier until the end of the period already paid for.
• We may change prices going forward. A change does not affect an already paid period, and we will announce it in advance.

6. Acceptable use

Do not attempt to break the service, access other people’s data, load the server automatically beyond ordinary use, or circumvent tier limits. Do not use the service for unlawful activity.

7. Availability and liability

We aim to keep the service running without interruption but do not guarantee it: planned updates and failures happen. The app is built to work offline, so server downtime does not cut you off from the data on your device.

To the extent permitted by law, we are not liable for indirect damages, lost profit, or financial decisions made on the basis of data from the app. These limits do not narrow your consumer rights, which cannot be restricted by contract.

Keep your own backups of important data. We take regular server backups but cannot guarantee recovery of data you deleted yourself.

8. Changes and termination

We may update these terms — the version number and date on this page change, and material changes are announced in the app. You may stop using the service at any time by deleting your account.

9. Governing law

These terms are governed by the law of Ukraine. Disputes are heard by the courts at the provider’s location, unless mandatory consumer protection rules provide otherwise — an EU consumer, in particular, keeps the right to bring proceedings where they live.

10. Contact

Send questions about these terms through the contact form at finlad.site. Provider: FOP Itsekson Oleksii Volodymyrovych.