Terms of Service

By accessing or using the Finovoo platform ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you are using the Service on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms.

If you do not agree to these Terms, you may not access or use the Service. We recommend reading these Terms carefully before creating an account.

You must be at least 16 years old to use Finovoo. By creating an account, you represent that you meet this age requirement and that all information you provide is accurate, complete, and current.

If we discover that an account has been created by someone under 16, we will terminate that account and delete associated data promptly.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorized access or use of your account.

• Safeguard your login credentials — do not share your password or allow others to access your account
• Accurate information — keep your account details (name, email, payment information) current and accurate
• Authorized use — you are responsible for all actions taken through your account, whether or not you authorized them
• One account per person — each individual should maintain only one personal account
• Notification — contact us immediately at [email protected] if you suspect unauthorized access

Finovoo grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal or internal business purposes, subject to these Terms.

You may use Finovoo to track shared expenses, split costs with groups, scan and categorize receipts, generate spending reports, and settle debts among group members.

You agree not to use the Service in any manner that could damage, disable, overburden, or impair our infrastructure, or interfere with any other party's use of the Service. The following activities are strictly prohibited:

• Fraud — creating fake expenses, fabricating receipts, or manipulating financial records to deceive group members or third parties
• Reverse engineering — decompiling, disassembling, or reverse engineering any part of the Service or its underlying algorithms
• Unauthorized access — attempting to access accounts, systems, or data that do not belong to you
• Abuse and harassment — using group features to harass, threaten, or intimidate other users
• Automated scraping — using bots, scrapers, or automated tools to extract data from the Service without written permission
• Illegal activity — using the Service to facilitate money laundering, tax evasion, or any other illegal financial activity
• Circumvention — bypassing security measures, rate limits, or access restrictions
• Impersonation — creating accounts under false identities or misrepresenting your affiliation with any person or entity

Finovoo facilitates the tracking and calculation of shared expenses and provides settlement recommendations. However, Finovoo is not a bank, payment processor, or money transmitter. Actual fund transfers between users are processed through third-party payment providers.

You acknowledge that Finovoo is not responsible for the execution, timing, or success of payment transfers between users. We calculate what is owed; you and your group members are responsible for the actual exchange of funds.

• Calculation accuracy — while we strive for precision, you are responsible for verifying expense amounts and splits before settling
• Currency conversion — exchange rates used for multi-currency calculations are indicative and may differ from rates applied by your bank or payment provider
• Payment disputes — disputes about the underlying expenses or amounts owed are between group members. Finovoo provides the data but is not an arbiter
• Third-party processors — settlements processed through integrated payment providers (e.g., Stripe, PayPal) are subject to those providers' own terms and fees

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

The Finovoo name, logo, and all related product and service names, design marks, and slogans are trademarks of Finovoo Inc. You may not use these marks without our prior written permission.

You retain ownership of all content you submit to the Service, including expense descriptions, receipt images, notes, and group information ("User Content"). By submitting User Content, you grant Finovoo a worldwide, non-exclusive, royalty-free license to use, process, and store that content solely for the purpose of providing and improving the Service.

You represent that you have the right to submit all User Content and that it does not infringe on the rights of any third party. We reserve the right to remove User Content that violates these Terms.

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the data practices described in our Privacy Policy.

We employ industry-standard security measures including AES-256 encryption at rest, TLS 1.3 encryption in transit, and SOC 2 Type II certified infrastructure to protect your financial data.

To the maximum extent permitted by applicable law, Finovoo Inc. and its officers, directors, employees, and agents 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 the Service.

Our total aggregate liability for all claims arising from or related to the Service shall not exceed the greater of (a) the amount you paid to Finovoo in the 12 months preceding the claim or (b) one hundred US dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the fullest extent permitted by law.

The Service is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Finovoo does not warrant that the Service will be uninterrupted, error-free, or secure; that defects will be corrected; or that the Service or its servers are free of viruses or other harmful components.

• Financial advice — Finovoo is an expense tracking tool, not a financial advisor. The Service does not constitute financial, tax, legal, or accounting advice
• Third-party services — we are not responsible for the content, policies, or practices of any third-party services integrated with Finovoo
• Data accuracy — while we employ AI and automation to process receipts and categorize expenses, these features are assistive tools and may contain errors. You are responsible for verifying all data

You agree to indemnify, defend, and hold harmless Finovoo Inc. and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorney's fees) arising from: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of any third party; or (d) any User Content you submit.

You may terminate your account at any time by using the account deletion feature in your settings or by contacting [email protected]. Upon termination, your right to use the Service ceases immediately.

We may suspend or terminate your account at any time if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if required by law. We will make reasonable efforts to notify you before or promptly after any such action.

• Data after termination — upon account deletion, your personal data will be removed within 30 days, subject to legal retention requirements
• Group impact — if you are the sole administrator of a group, you must transfer ownership before deleting your account or the group will be archived
• Outstanding settlements — termination does not relieve you of any obligations to settle outstanding balances with group members
• Survival — provisions regarding intellectual property, limitation of liability, indemnification, and dispute resolution survive termination

We believe most disputes can be resolved informally. If you have a concern, please contact us at [email protected] and we will work to resolve it within 30 days.

If informal resolution fails, you agree that any dispute arising from these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

• Informal resolution first — you must contact us and allow 30 days for informal resolution before initiating arbitration
• Individual basis — disputes are resolved on an individual basis. You waive any right to participate in a class action or representative proceeding
• Small claims exception — either party may bring an individual action in small claims court as an alternative to arbitration
• Governing law — these Terms are governed by the laws of the State of California, United States, without regard to conflict of law provisions
• Venue — any arbitration or court proceedings shall be conducted in San Francisco County, California

We reserve the right to modify these Terms at any time. When we make material changes, we will notify you by email or through a prominent notice within the Service at least 30 days before the changes take effect.

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you disagree with the updated Terms, you may close your account before they take effect.

For questions or concerns about these Terms, our legal team is available to help. We aim to respond to all inquiries within 5 business days.