Agreement to Terms
By accessing or using Finthy’s financial dashboard platform (“Service”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, you may not access the Service.
Description of Service
Finthy provides a personal finance management platform that:
- Connects to your bank accounts across Mexico, Chile, and Brazil
- Aggregates and analyzes your financial data
- Provides budgeting tools and financial insights
- Offers multi-currency support and transaction categorization
User Accounts
Account Creation
- You must provide accurate and complete information
- You must be at least 18 years old
- You are responsible for maintaining account security
- You may only have one personal account
Account Security
- Keep your password secure and confidential
- Notify us immediately of any unauthorized access
- Enable two-factor authentication when available
- Do not share your account credentials
Acceptable Use
Permitted Uses
- Personal financial management and budgeting
- Accessing your own financial data and accounts
- Using features as intended in user documentation
Prohibited Uses
- Accessing other users’ accounts or data
- Attempting to compromise system security
- Using the service for illegal activities
- Reverse engineering or copying our software
Banking Connections
Mexico (Chrome Extension)
- You authorize the extension to access your banking sessions
- We do not store your banking credentials
- You maintain full control over your banking sessions
Chile & Brazil (Platform Connections)
- You authorize secure platform connections to your banks
- Connections are made through regulated providers (Fintoc/Belvo)
- You can revoke access at any time
Your Responsibilities
- Provide accurate banking credentials
- Maintain current contact information
- Review transactions for accuracy
- Report suspicious activity immediately
Data and Privacy
Your Data
- You retain ownership of your financial data
- We process data according to our Privacy Policy
- You can export or delete your data at any time
- We do not sell your personal information
Service Data
- We may use aggregated, anonymized data for improvements
- Service usage data helps us enhance features
- Security monitoring protects all users
Subscription and Billing
Free Tier
- Limited bank connections and basic features
- No billing required for free tier
- May include usage limitations
Paid Plans
- Monthly or annual billing cycles
- Charges processed securely through payment providers
- Automatic renewal unless cancelled
- Refunds according to our refund policy
Cancellation
- Cancel anytime through account settings
- Service continues until end of billing period
- Data retention according to Privacy Policy
Service Availability
Uptime
- We strive for 99.9% uptime
- Scheduled maintenance with advance notice
- Emergency maintenance as needed
Limitations
- Banking system outages may affect connectivity
- Regional internet issues may impact service
- Third-party provider limitations
Intellectual Property
Our Rights
- Finthy platform and technology are our property
- Trademarks and logos are protected
- Software is licensed, not sold
Your Rights
- Your financial data remains yours
- Limited license to use our Service
- Right to export your data
Disclaimers
Financial Advice
- Finthy provides tools, not financial advice
- Consult qualified professionals for financial decisions
- We are not a financial advisor or institution
Data Accuracy
- We strive for accurate data aggregation
- Verify important information with your banks
- Report discrepancies immediately
Third-Party Services
- Banking connections depend on third-party providers
- We are not responsible for bank system outages
- External service limitations may affect functionality
Limitation of Liability
Service Interruptions
- No liability for temporary service unavailability
- Force majeure events beyond our control
- Banking system outages or maintenance
Data Loss
- Regular backups minimize data loss risk
- Users responsible for maintaining important records
- Export data regularly for your records
Financial Decisions
- We are not liable for financial decisions made using our tools
- Investment and spending decisions are your responsibility
- Seek professional advice for major financial choices
Indemnification
You agree to indemnify and hold Finthy harmless from any claims, damages, or expenses arising from:
- Your violation of these Terms
- Your use of the Service
- Your banking activities and decisions
- Violation of any third-party rights
Termination
By You
- Cancel your account at any time
- Export your data before cancellation
- Billing stops at end of current period
By Us
- We may terminate for Terms violations
- We may discontinue Service with notice
- Data provided according to Privacy Policy
Changes to Terms
Notification
- Material changes communicated via email
- Continued use indicates acceptance
- Previous versions available upon request
Effective Date
- Changes effective on date specified
- Review Terms periodically for updates
Governing Law
These Terms are governed by the laws of:
- Mexico: Mexican Federal Laws
- Chile: Chilean Laws
- Brazil: Brazilian Laws
Jurisdiction determined by your primary country of residence.
Dispute Resolution
Informal Resolution
- Contact support for issue resolution
- Good faith effort to resolve disputes
- Documentation of resolution attempts
Arbitration
- Binding arbitration for unresolved disputes
- Individual basis, not class action
- Governed by applicable arbitration rules
Contact Information
For questions about these Terms:
Email: [email protected]
Address: [To be provided]
Country-specific legal inquiries:
- Mexico: [email protected]
- Chile: [email protected]
- Brazil: [email protected]
Severability
If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.
These Terms of Service are available in English, Spanish, and Portuguese. In case of conflicts between translations, the English version shall prevail.