Terms & Conditions

1. Acceptance of Terms

By downloading, installing, accessing, or using the Finovra mobile application (“Finovra,” “the App”), you (“the User,” “you,” or “your”) agree to be bound by these Terms & Conditions (“Terms”). These Terms constitute a legally binding agreement between you and Vipul Chauhan (“the Developer,” “I,” “me,” or “my”), an individual indie developer.

If you do not agree to these Terms, do not download, install, or use the App. Your continued use of the App following any changes to these Terms constitutes acceptance of those changes.

2. Description of the Service

Finovra is a personal finance tracking application for Apple's iOS platform (iPhone and iPad, iOS 17 and later). The App helps users manage their income, expenses, budgets, and financial insights.

The App operates entirely offline. All data is stored locally on your device. There are no servers, no cloud backend, no user accounts, and no data collection by the Developer. Key features include transaction tracking, budget management, recurring transactions, financial insights and analytics, custom categories, data export (encrypted backup, CSV, and PDF), data import and restore, optional biometric or passcode app lock, multi-language support, and customization options.

3. Eligibility

You must be at least the following minimum age to use the App, depending on your jurisdiction:

• United States: 13 years of age (per COPPA).
• European Union / European Economic Area: 16 years of age (per GDPR), or the applicable minimum age set by your EU member state.
• United Kingdom: 13 years of age.
• All other jurisdictions: The minimum age required to enter into a binding legal agreement in your jurisdiction, or 13 years of age, whichever is greater.

By using the App, you represent and warrant that you meet the applicable minimum age requirement.

4. User Accounts

Finovra does not have user accounts, login functionality, registration, or any form of authentication with the Developer's systems. The App is fully anonymous and does not require or collect email addresses, usernames, passwords, or any account credentials. The optional app lock feature (biometric or device passcode) is a local device-level security measure, not an account system.

5. Subscription Terms

5.1. Free Tier

Finovra offers a free tier that includes all core features: full transaction tracking (unlimited transactions), budget management, basic financial insights, up to 5 custom categories, up to 2 recurring transaction rules, all data export, backup, and restore features, app lock, all themes, and 2 accent colors (blue and purple).

5.2. Finovra Pro (Paid Subscription)

Finovra Pro is an optional subscription that unlocks advanced features, including: advanced analytics (daily spending heatmap, category comparison, forecasting, smart insights), unlimited custom categories, unlimited recurring transaction rules, and premium accent colors (green, orange, pink).

5.3. Subscription Plans

The App may offer optional premium subscription plans ("Finovra Pro") which may include:

• Monthly Subscription — billed monthly.
• Annual Subscription — billed annually.

Pricing, free trial availability, and subscription details are displayed in the App at the time of purchase and may vary by region.

Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. Users can manage or cancel their subscriptions through their Apple ID account settings.

5.4. Payment Processing

All payment processing is handled exclusively by Apple through its StoreKit 2 framework and the Apple App Store. The Developer never collects, processes, views, or stores any payment information, including credit card numbers, billing addresses, or Apple ID details. Subscription pricing is set by the Developer in App Store Connect and may vary by region based on Apple's pricing tiers.

5.5. Auto-Renewal

Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current billing period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period at the same subscription price. You can manage and cancel subscriptions at any time in your Apple ID account settings (Settings → Apple ID → Subscriptions).

5.6. Free Trials

Free trial periods may be offered at the Developer's discretion via Apple's introductory offer mechanism. Any unused portion of a free trial period is forfeited if you purchase a subscription before the trial expires.

5.7. Cancellation

You may cancel your subscription at any time through your Apple ID account settings. Cancellation takes effect at the end of the current billing period — you will retain access to Finovra Pro features until then. Cancellation does not entitle you to a refund of the current billing period.

5.8. Refunds

Refunds are handled exclusively by Apple in accordance with Apple's refund policies. The Developer does not process refunds directly. To request a refund, visit reportaproblem.apple.com.

5.9. Price Changes

The Developer may change subscription pricing at any time. Price changes are communicated through the App Store. Apple will notify you of any price increase before your next billing cycle in accordance with Apple's policies. If you do not agree to a price change, you may cancel your subscription before it renews at the new price.

6. User Responsibilities

6.1. Accuracy of Data

You are solely responsible for the accuracy, completeness, and appropriateness of the financial data you enter into the App. The Developer does not verify, validate, or audit any information you enter.

6.2. Data Backup

You are solely responsible for backing up your data. The App provides export and backup features for this purpose. The Developer strongly recommends that you create regular backups of your data using the App's encrypted backup feature. The Developer is not liable for any data loss, whether caused by device failure, accidental deletion, software issues, or any other reason.

6.3. Data Export

When you export data from the App (via encrypted backup, CSV, or PDF), the exported file leaves the App's sandbox. You are responsible for the security and handling of exported files. The Developer has no control over or liability for data once it is exported from the App.

6.4. Device Security

You are responsible for maintaining the security of your device, including keeping your operating system up to date, using a device passcode, and safeguarding physical access to your device. The App's local-only architecture means that the security of your financial data depends on the security of your device.

7. Intellectual Property

7.1. Developer's Intellectual Property

The Finovra name, logo, visual design, user interface, and all associated intellectual property are the property of Vipul Chauhan. All rights not expressly granted in these Terms are reserved.

7.2. Your Data

You retain full and exclusive ownership of all financial data you enter into the App. The Developer makes no claim of ownership over your data. You may export, delete, or otherwise manage your data at any time using the App's built-in features.

7.3. Apple Frameworks

The App is built exclusively with Apple's first-party frameworks. Apple's frameworks, trademarks, and intellectual property remain the property of Apple Inc.

8. Financial Disclaimer

The App does not provide financial, tax, investment, legal, or accounting advice of any kind. The insights, charts, forecasts, and analytics provided by the App are based solely on data you enter and are intended for informational and personal organizational purposes only. They should not be relied upon as the basis for any financial decisions.

You should consult qualified financial, tax, legal, or accounting professionals before making any financial decisions. The Developer is not responsible or liable for any financial decisions you make, or any financial outcomes that result from your use of the App or reliance on information displayed within the App.

9. Data and Privacy

Your privacy is a core design principle of Finovra. Please refer to the Finovra Privacy Policy for full details on how information is handled.

Key points:

• All data is stored exclusively on your device.
• The Developer does not collect, access, or transmit any of your data.
• No third-party analytics, tracking, or advertising SDKs are used.
• No user accounts or server-side data storage exist.
• The only external communication is between Apple's StoreKit 2 and Apple's servers for subscription processing.
• You have full control to export, back up, and delete your data at any time.

10. Acceptable Use

You agree not to:

• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.
• Modify, adapt, translate, or create derivative works based on the App.
• Distribute, sublicense, lease, rent, loan, or otherwise transfer the App or your license to use it to any third party, except as permitted by Apple's App Store terms.
• Use the App for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation.
• Remove, alter, or obscure any proprietary notices, labels, or markings on the App.

11. Disclaimer of Warranties

Any reliance you place on the App or information generated by the App is strictly at your own risk.

Note: Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions apply only to the extent permitted by applicable law. If you are a consumer in the EU/EEA, UK, Australia, or any jurisdiction with mandatory consumer protection laws, nothing in this section overrides your non-waivable statutory rights.

12. Limitation of Liability

Note: Some jurisdictions do not allow the limitation or exclusion of liability for certain types of damages. In such jurisdictions, the above limitations apply only to the extent permitted by applicable law. If you are a consumer in the EU/EEA, UK, Australia, or any jurisdiction with mandatory consumer protection laws, nothing in this section overrides your non-waivable statutory rights.

13. Indemnification

To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Vipul Chauhan from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of or misuse of the App; your violation of these Terms; your violation of any applicable law or regulation; any financial data you enter into, export from, or share from the App.

This indemnification obligation does not apply to consumers in jurisdictions where consumer indemnification clauses are unenforceable (including but not limited to the EU/EEA and Australia).

14. Termination

14.1. By You

You may stop using the App at any time. You may delete the App from your device, which will remove all associated data. If you have an active subscription, you should cancel it through your Apple ID account settings to avoid future charges.

14.2. By the Developer

The Developer reserves the right to discontinue, suspend, or modify the App at any time, with or without notice, for any reason. The Developer is not liable to you or any third party for any discontinuation or modification of the App. If the App is discontinued, active subscribers will not be charged for future billing periods after discontinuation takes effect.

15. Governing Law and Dispute Resolution

15.1. Governing Law

These Terms are governed by the laws applicable in the jurisdiction where the Developer resides (India), without regard to conflict of law principles. However, if you are a consumer in the EU/EEA, UK, Australia, or any jurisdiction with mandatory consumer protection laws, nothing in these Terms overrides your non-waivable statutory rights, and you may also be entitled to the protections of the mandatory consumer laws of your country of residence.

15.2. Dispute Resolution

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the App shall be resolved as follows:

Informal Resolution: Before initiating any formal dispute resolution, you agree to contact the Developer at hello@finovra.app and attempt to resolve the dispute informally for a period of at least thirty (30) days.

Arbitration: If the dispute cannot be resolved informally, it shall be submitted to binding arbitration in accordance with the rules of a mutually agreed-upon arbitration body. The arbitration shall be conducted in English. The arbitrator's decision shall be final and binding.

Small Claims Exception: Notwithstanding the above, either party may bring an individual claim in small claims court of competent jurisdiction.

Class Action Waiver: To the fullest extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

15.3. Consumer Protection Carve-Outs

The arbitration clause and class action waiver in Section 15.2 do not apply to:

• Consumers in the European Union or European Economic Area, where mandatory EU consumer dispute resolution rules take precedence. EU consumers may refer disputes to the Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
• Consumers in the United Kingdom, where the UK courts retain jurisdiction for consumer disputes.
• Consumers in Australia, where the Australian Consumer Law provides non-excludable guarantees.
• Consumers in any other jurisdiction where mandatory consumer arbitration clauses or class action waivers are unenforceable under applicable law.

In such jurisdictions, disputes shall be resolved in the courts of the consumer's country of residence, in accordance with that country's applicable consumer protection laws.

16. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable by a court or tribunal of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

17. Entire Agreement

These Terms, together with the Finovra Privacy Policy, constitute the entire agreement between you and the Developer regarding your use of the App and supersede all prior or contemporaneous understandings, agreements, or communications regarding the same subject matter.

18. Changes to These Terms

The Developer may update these Terms from time to time. Changes will be communicated through:

• Updated App Store release notes accompanying a new version of the App.
• A revised “Last Updated” date at the top of this document.
• A notice on the Finovra website at https://finovra.app.

Material changes will be communicated with reasonable advance notice where practicable. Your continued use of the App after revised Terms take effect constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you should stop using the App and, if applicable, cancel your subscription.

19. Apple-Specific Terms

The following terms apply as required by Apple's App Store guidelines. You acknowledge and agree that:

19.1. Agreement Parties

These Terms are between you and Vipul Chauhan (the Developer) only, and not with Apple Inc. (“Apple”). The Developer, not Apple, is solely responsible for the App and its content.

19.2. Scope of License

The license granted to you for the App is limited to a non-transferable license to use the App on any Apple-branded products that you own or control, as permitted by the Apple Media Services Terms and Conditions.

19.3. Maintenance and Support

Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App. The Developer is solely responsible for any maintenance and support, which may be provided at the Developer's discretion.

19.4. Warranty

Apple has no warranty obligation with respect to the App. To the extent that any warranty claim arises that cannot be disclaimed, it is the Developer's responsibility, not Apple's, subject to the warranty disclaimer in Section 11 of these Terms.

19.5. Product Claims

Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App, including but not limited to: (a) product liability claims; (b) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.

19.6. Intellectual Property Claims

In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, the Developer, not Apple, shall be solely responsible for the investigation, defense, settlement, and discharge of any such claim.

19.7. Third-Party Beneficiary

Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

19.8. Third-Party Agreements

You must comply with applicable third-party agreement terms when using the App (for example, your wireless data service provider's terms of service).

20. Open Source

Finovra does not incorporate any open-source software components or third-party libraries. All frameworks used in the App are Apple first-party frameworks (SwiftData, StoreKit 2, UserNotifications, LocalAuthentication, CryptoKit, Security/Keychain, and PDFKit).

21. Contact Information

If you have questions, concerns, or requests regarding these Terms, please contact: