FinMigo Terms Of Service

Terms Of Service

Last Updated: October 25, 2025
Version: 1.0

Welcome to FinMigo ("App", "we", "our", or "us"). These Terms of Service ("Terms") govern your access to and use of the FinMigo personal finance management application and related services (the "Service"). By accessing or using the App, you agree to comply with and be bound by these Terms. If you do not agree with these Terms, you may not use the Service. 

1. Acceptance of Terms

By creating an account, accessing, or using our Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms. 

2. Eligibility and Age Requirements
You must be at least 16 years old to use this Service independently. Users under 16 may use the Service only with parental or guardian consent and supervision. By using the Service, you warrant that you meet the age requirements and that all information you provide is accurate, current, and complete.

Parents or guardians of children under 16 are responsible for monitoring their children's use of the Service and ensuring the security of their financial data.

3. Account Registration and Security

• Account Creation: To access certain features of the Service, you may need to register an account using email authentication or Google Sign-In through Firebase.

• Authentication Methods: The App may offer biometric authentication (fingerprint/facial recognition) for enhanced security. You are responsible for maintaining the security of your device and biometric data.

• Account Security: You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must immediately notify us of any unauthorized use of your account.

• Accuracy of Information: You agree that all information you provide to the App, including financial data and personal details, is accurate and lawful. You are solely responsible for the legality and accuracy of the information you submit. 

4. Data Management and Storage

• Local Data Storage: Your financial data is primarily stored locally on your device using SQLite database. You are responsible for maintaining backups of your data.

• Google Drive Backup: Optional Google Drive backup functionality allows you to sync your data to your personal Google Drive account. We do not access or control your Google Drive data.

• Data Ownership: You retain all ownership rights to your financial data. We only process your data to provide the Service as described in our Privacy Policy. 

5. Prohibited Activities

While using the App, you agree not to engage in any of the following:

• Illegal Activities: You may not use the Service to engage in any unlawful activities, including money laundering, fraud, or financial crimes.

• False Information: You must not submit false or misleading financial information or misrepresent your identity.

• Reverse Engineering: You may not reverse engineer, decompile, or attempt to extract the source code of the App.

• Service Disruption: You may not interfere with or disrupt the Service's functionality, security, or performance.

• Data Mining: You may not use automated systems to extract data from the Service without our express permission. 

6. Financial Disclaimer
FinMigo is a personal finance management tool and does not provide financial advice. The Service:

• Is not a registered financial advisor or broker-dealer

• Does not provide investment, tax, or legal advice

• Should not be relied upon for making financial decisions

• Calculations and projections are estimates only and may not reflect actual outcomes

You should consult qualified financial professionals for personalized financial advice.

7. Third-Party Services
The App integrates with third-party services including:

• Firebase Authentication (Google Sign-In)

• Google Drive (for backup services)

• Firebase Crashlytics (for error monitoring)

Your use of these third-party services is subject to their respective terms of service and privacy policies.

8. Intellectual Property
All content, features, and functionality of the App, including but not limited to text, graphics, logos, software, and source code, are the exclusive property of FinMigo and are protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes.

9. Termination
We reserve the right to suspend or terminate your account at any time, with or without notice, if you breach these Terms or engage in any behavior that is harmful to the Service or other users.

Upon termination, your right to use the Service will immediately cease. You may export your data before termination.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind. We do not guarantee that:

○ The Service will be uninterrupted or error-free

○ The financial calculations or projections will be accurate

○ The Service will meet your specific requirements 

11. Limitation of Liability

To the maximum extent permitted by law, FinMigo shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use

• Financial losses resulting from reliance on App data

• Unauthorized access to your data

• Service interruptions or data loss 

12. Modifications to Terms

We may update these Terms from time to time. We will notify you of significant changes through the App or via email. Continued use of the Service after such changes constitutes your acceptance of the new Terms. 

13. Governing Law and Jurisdiction

These Terms shall be governed by the laws of India. Any legal suit, action, or proceeding arising out of these Terms shall be instituted in the courts of Mumbai, Maharashtra. 

14. Contact Information

If you have any questions about these Terms, please contact us at:

finmigodeveloper@gmail.com 

15. User Data and Responsibility
You are responsible for all financial and personal information entered into the App. We do not verify or validate your financial data, and we are not liable for any errors or inaccuracies resulting from user inputs.

You acknowledge that you are solely responsible for maintaining the confidentiality and accuracy of your records and for making independent financial decisions.

16. Consent and Permissions
Certain features of the App, such as Google Drive backup or Crashlytics reporting, require your explicit consent. You may enable or disable these features at any time through App settings.

By granting permissions (e.g., storage, biometrics), you consent to the use of these device capabilities solely for the purposes described in our Privacy Policy.

17. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and FinMigo regarding your use of the Service and supersede any prior agreements. 

18. Service Availability and Updates
We reserve the right to modify, suspend, or discontinue any part of the Service at any time. We may also release updates to the App that may add, modify, or remove features.

We are not liable for any unavailability of the Service due to maintenance, technical issues, or circumstances beyond our control.

19. User-Generated Content

You retain ownership of any content you create within the App. By using the Service, you grant us a license to process and display your content solely for providing the Service.