Terms of Service

1. The agreement

These Terms of Service ("Terms") are an agreement between you and FinWiseApp, Corp., a Delaware corporation ("FinWise", "we", "us"). They govern your use of FinWise: the website at finwiseapp.io, the web app, the iOS and Android apps, the FinWise API and the FinWise MCP server (together, the "Service").

By creating an account or using the Service, you agree to these Terms and confirm you have read our Privacy Policy, which explains how we handle your personal information. If you do not agree, do not use the Service. If you use the Service on behalf of a company or other organization, you agree to these Terms on its behalf and confirm you have authority to do so.

2. Eligibility

You must be at least 18 years old to use the Service. You confirm that you are not located in a country subject to a United States government embargo, and that you are not on any United States government list of prohibited or restricted parties.

3. Your account

Give us accurate information and keep it up to date. Keep your password and any API keys secret; we recommend turning on two-factor authentication. You are responsible for what happens under your account, including actions taken by apps, AI assistants and API keys you authorize. Tell us straight away at hello@finwiseapp.io if you think someone has accessed your account without permission.

You agree that we may send you notices, receipts and other communications electronically, by email, in the app or on our website, and that they satisfy any legal requirement for a written communication.

4. Bank connections

When you connect a bank or other institution, you authorize FinWise and our connection providers (Plaid, Yodlee, GoCardless and Gathr) to access and retrieve your account information on your behalf, and you confirm you are entitled to do so. Connection providers may have their own terms; for example, Plaid's handling of your data is described in the Plaid End User Privacy Policy.

FinWise is not a bank and does not hold or move your money. Account data comes from your institutions and providers and may be delayed, incomplete or wrong, and connections can stop working. Always check important figures with your institution. You can disconnect an institution at any time.

5. Not financial advice

The Service helps you track and understand your finances. It does not provide financial, investment, tax or legal advice, and nothing in it is a recommendation to buy, sell or hold anything. Automated features, including AI categorization and suggestions, can be wrong. You are responsible for your financial decisions; consider getting advice from a qualified professional.

6. Subscriptions, trials and billing

Free trial. New subscribers get a 14-day free trial. On the web you add a payment method when the trial starts; in the mobile apps the trial is offered by Apple or Google. You are not charged during the trial. Unless you cancel before it ends, your paid subscription starts automatically when the trial ends.

Automatic renewal. Subscriptions are billed monthly or annually, in advance, at the price shown when you subscribe, plus any applicable taxes. They renew automatically for the same period until you cancel. We will tell you in advance about any price change, and it applies from your next renewal after the notice.

Cancelling. You can cancel at any time: on the web in Settings, and in the mobile apps through your App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period, and you keep access until then. Deleting your account ends a web subscription immediately, without a refund for the rest of the period, and stops a Google Play subscription renewing; an App Store subscription must be cancelled with Apple.

Payment processors. Web payments are processed by Stripe. Purchases in the mobile apps are made through Apple or Google and are also subject to their terms.

7. Refunds

Because the free trial lets you evaluate the Service in full before paying, payments are generally non-refundable once you have used the Service after being charged. If you were charged by mistake and have not used your account since the charge, contact us within 30 days of it and we will refund it.

Refunds for App Store and Google Play purchases are handled by Apple and Google under their policies; request them from Apple or Google directly.

If you are a consumer in the EU, the UK or another country whose law gives you a right to cancel a contract within a set period, nothing in these Terms limits that right. Where it applies to a payment made to us on the web, we will refund as that law requires.

8. Your data and content

You own the data and content you add to or connect to the Service ("Your Content"). You give FinWise a worldwide, non-exclusive, royalty-free licence to host, store, process, transmit and display Your Content, including through our service providers (for example, sending transaction details to OpenAI to suggest categories), only to provide, secure and improve the Service as described in our Privacy Policy. This licence ends when Your Content is deleted from the Service, except as described in the Privacy Policy.

If you send us ideas, suggestions or other feedback ("Feedback"), we may use it without restriction or payment to you.

9. API, MCP and connected AI assistants

You can access your data through the FinWise API and connect AI assistants through the FinWise MCP server. You choose what each key or assistant can do. Anything an API key or connected assistant does with your account, including creating, changing or deleting data, is treated as done by you, and data you share with a third-party assistant is handled under that provider's terms. We may set usage limits and may suspend or revoke keys or connections that are abused or put the Service at risk.

Third-party AI assistants are not part of the Service. They can misread your data or take actions you didn't intend, and we are not responsible for what they say or do, including changes they make with the access you grant. Review what you allow, and revoke access in Settings at any time.

Access to other people's data, or commercial use of the API (including FinWise Connect and FinWise Enrich), requires a separate written agreement with us.

10. Acceptable use

You agree not to:

• use the Service for anything unlawful or fraudulent;
• access or try to access another person's account or data;
• scrape or access the Service by automated means, except through the API and MCP server as documented;
• copy, resell or sublicense the Service, or reverse engineer it except where the law allows;
• interfere with, overload or disrupt the Service or its infrastructure;
• probe or test the Service's security, except under our vulnerability disclosure policy; or
• upload malware or content you have no right to share.

11. Intellectual property

The Service and its original content (excluding Your Content), features and functionality are owned by FinWise and its licensors and are protected by copyright, trademark and other laws. Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.

12. Third-party services and links

The Service relies on and links to third-party services that we do not control. We are not responsible for their content, availability or practices, and your use of them may be subject to their own terms.

13. Ending the agreement

You can stop using the Service and delete your account at any time in the app's settings or by emailing hello@finwiseapp.io. While an App Store subscription is still renewing, the app asks you to cancel it with Apple first.

We may suspend or terminate your account if you materially breach these Terms, fail to pay, use the Service fraudulently or in a way that creates risk or legal exposure for FinWise or others, or if the law requires it. Where reasonable, we will give you notice first. We may also end your account for any other reason with 30 days' notice. If we do, or if we stop offering the Service, we will refund prepaid web subscription fees for the unused period.

Sections 5, 7, 8 (Feedback), 9 (AI assistants), 11 and 14 to 20, fees already owed, and any other provision that by its nature should survive, survive the end of this agreement.

14. Disclaimer

The Service is provided "as is" and "as available". To the maximum extent permitted by law, FinWise and its licensors and service providers disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We do not warrant that the Service will be uninterrupted, error-free or secure, that data from institutions or automated features will be accurate or complete, or that the Service will meet your requirements. Features we label beta, preview or experimental may change or be withdrawn at any time.

15. Limitation of liability

To the maximum extent permitted by law, FinWise and its licensors and service providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, data, goodwill or business, arising out of or related to the Service, even if advised of their possibility. Our total liability for all claims related to the Service is limited to the greater of the amount you paid us in the 12 months before the claim and 100 USD.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud, gross negligence, or (in the EU and UK) death or personal injury caused by negligence, or your mandatory rights as a consumer.

To the extent the law allows, a claim related to the Service must be brought within one year after it arises, or it is permanently barred.

16. Indemnity

To the extent the law allows, you will indemnify FinWise against third-party claims and related costs arising from your breach of these Terms or your misuse of the Service.

17. Governing law and disputes

Before starting arbitration or a court claim, you and FinWise must each send the other a written description of the claim (yours to hello@finwiseapp.io) and try for 30 days to resolve it informally.

Arbitration and class action waiver (United States)

If you live in the United States, you and FinWise agree to resolve any dispute arising out of or relating to these Terms or the Service, including one that arose before you accepted these Terms, by binding individual arbitration instead of in court. The American Arbitration Association (AAA) administers it under its Consumer Arbitration Rules, which also set the fees, and the Federal Arbitration Act governs this section. Hearings take place by video, by phone or on written submissions where possible, and otherwise in the county where you live. Either party may instead bring an individual claim in small-claims court, or ask a court to stop infringement or misuse of its intellectual property.

Disputes may be brought only individually, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator may not consolidate claims or award relief to anyone other than the individual claimant. If this waiver is found unenforceable for a claim, that claim goes to court instead of arbitration. Where 25 or more similar demands are filed by the same or coordinated counsel, the AAA's Mass Arbitration Supplementary Rules apply and the demands are administered in batches as those rules allow. To the extent the law allows, you and FinWise waive any right to a jury trial.

You can opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing hello@finwiseapp.io with your name, your account's email address and a statement that you opt out of arbitration. Opting out doesn't affect the rest of these Terms.

Governing law and courts

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law rules. Any dispute not resolved by arbitration will be decided by the state or federal courts located in Delaware. If you are a consumer living outside the United States, the arbitration agreement above doesn't apply to you, and you keep the protection of the mandatory laws of your country of residence and may bring a claim in your local courts.

18. Apple App Store

If you got the FinWise iOS app from the App Store:

• These Terms are between you and FinWise, not Apple. FinWise, not Apple, is solely responsible for the app and its content.
• Your licence to use the app is a non-transferable licence to use it on Apple devices you own or control, as permitted by the App Store's Usage Rules.
• Apple has no obligation to provide maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the app (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the app.
• FinWise, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to meet legal or regulatory requirements, consumer protection or privacy claims, and claims that the app infringes a third party's intellectual property rights.
• You must comply with any applicable third-party terms when using the app.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

19. Changes to these Terms

We may update these Terms from time to time. For material changes, we will notify you by email or in the app at least 30 days before they take effect. If you keep using the Service after the changes take effect, you accept the updated Terms; if you do not agree, stop using the Service and delete your account. A change to section 17 doesn't apply to a dispute either of us had notice of before the change took effect.

20. General

These Terms and the Privacy Policy are the entire agreement between you and FinWise about the Service. If any provision is found unenforceable, it will be enforced to the maximum extent possible and the rest of these Terms will remain in effect. Our failure to enforce a right is not a waiver of it. You may not transfer these Terms without our consent; we may transfer them as part of a merger, acquisition or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control. No third party has rights under these Terms, except Apple under section 18 and our licensors and service providers under sections 14 and 15.