These Terms of Service (“Terms”) govern your use of the FinTabi mobile application, provided by FinTabi Inc. By downloading, installing, or using FinTabi, you agree to these Terms. If you do not agree, do not use the app.
01 What FinTabi Is
FinTabi is a personal budgeting, financial planning, and goal-visualization tool. It lets you track transactions, set budgets and financial goals, import bank statement files (PDF/QFX), run retirement projections, and create vision boards. Your data is stored locally on your device and, if you choose, synced via your personal iCloud account.
02 Not Financial, Investment, Tax, or Legal Advice
FinTabi is not a financial advisor, broker-dealer, registered investment advisor, accountant, or law firm. Nothing in the app constitutes financial, investment, tax, legal, or retirement advice.
Retirement projections and other planning tools are estimates based on assumptions and inputs you provide — they're illustrative only, not guarantees of future outcomes. Vision boards and goal-setting content are motivational and organizational, not predictions.
Consult a qualified, licensed professional before making significant financial decisions. We are not responsible for decisions you make based on information in the app.
03 Your Data and Accuracy
You are solely responsible for the accuracy of any data you enter or import, including transactions, balances, and goals. Bank statement import uses automated parsing, which may occasionally misread or misclassify data — please review imported data for accuracy.
FinTabi does not connect directly to your bank and does not independently verify any balance or transaction you enter or import.
Your data is stored on your device and, optionally, in your personal iCloud account. You are responsible for maintaining your own backups. We are not responsible for data loss due to device loss, damage, factory reset, app deletion, or iCloud issues.
04 Eligibility and License
You must be at least 18 years old, or the age of majority in your jurisdiction, to use FinTabi.
We grant you a limited, non-exclusive, non-transferable, revocable license to use FinTabi on Apple devices you own or control, solely for personal, non-commercial use. You may not:
- Copy, modify, reverse-engineer, or create derivative works of the app, except where applicable law prohibits this restriction
- Sell, rent, lease, sublicense, or distribute the app or access to it
- Use the app for any unlawful purpose or in violation of these Terms
05 Subscriptions
FinTabi requires a paid subscription. All features of the app — accounts, transactions, budgets, investments, retirement projections, the Roadmap, and the Vision Board — are available only with an active subscription. There is no free tier and no one-time purchase option.
Title, length, and price
- Title: FinTabi — 1 month
- Length of subscription: one month, renewing monthly
- Price: $0.99 per month (USD; local pricing and currency are set by the App Store for your region)
- Free trial: new subscribers receive an introductory free trial. If you have already used the trial on your Apple Account, payment is charged immediately on purchase.
Billing and renewal
Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically at $0.99/month unless it is canceled at least 24 hours before the end of the current period. Your Apple Account is charged for renewal within 24 hours prior to the end of the current period. Any unused portion of a free trial is forfeited when you purchase a subscription.
Managing and canceling
You can manage or cancel your subscription at any time in Settings > [Your Name] > Subscriptions on your device. Deleting the app does not cancel your subscription. Purchases are handled entirely by Apple — we do not process payments directly and do not have access to your payment information. Refunds are governed by the Apple Media Services Terms and Conditions.
06 Intellectual Property
FinTabi, including its design, branding, features, and underlying code, is owned by FinTabi Inc. and protected by intellectual property laws. These Terms do not grant you rights to our trademarks, logos, or branding. You retain all rights to the financial data and content — including images used in vision boards — that you input into the app.
07 Third-Party Services
FinTabi relies on a small number of third-party services to operate certain features:
- Apple iCloud/CloudKit — optional sync of your data across your own devices, stored in your personal iCloud account.
- Apple App Store — distribution, purchases, and subscription billing.
- Yahoo Finance — delayed market quotes for investment tracking. When you look up or refresh a holding, the ticker symbol is sent to retrieve its price. No balance, share count, account information, or identifier of any kind is included, and the request is not tied to an account.
Market quotes are delayed by approximately 15 minutes and are provided for informational purposes only. We do not guarantee their accuracy, timeliness, or availability, and they should not be relied upon for trading decisions.
We are not responsible for the availability, performance, or practices of these services, which are governed by their own terms. Note that AI features in FinTabi — statement parsing and transaction categorization — run entirely on your device using Apple's built-in frameworks; no third-party AI service is used and no data is sent off your device for processing. See our Privacy Policy for details.
08 Disclaimers and Limitation of Liability
The app is provided “as is” and “as available,” without warranties of any kind. We do not warrant the accuracy, completeness, or reliability of any calculation, projection, parsed transaction, or other output generated by the app. You use FinTabi at your own risk.
To the maximum extent permitted by law, FinTabi Inc. will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or financial loss arising from your use of the app.
Our total aggregate liability will not exceed the greater of (a) the amount you paid us in the twelve months preceding the claim, or (b) $50 USD. Some jurisdictions do not allow these limitations, so they may not apply to you.
09 Indemnification and Termination
You agree to indemnify and hold harmless FinTabi Inc. from any claims, damages, liabilities, and expenses arising from your misuse of the app or violation of these Terms or applicable law.
You may stop using FinTabi at any time by deleting the app. We may suspend or terminate your access if you violate these Terms. Because your data is stored locally and in your personal iCloud account, termination does not itself delete your data — you control deletion as described in our Privacy Policy.
10 Changes, Governing Law, and Disputes
We may update, modify, or discontinue features of FinTabi at any time, and may update these Terms from time to time. Material changes will be reflected by an updated “Last updated” date and, where appropriate, an in-app notice. Continued use after changes take effect means you accept the revised Terms.
These Terms are governed by the laws of the State of California. Any dispute will be resolved in the state or federal courts located in Santa Clara County, CA, and you consent to the personal jurisdiction of those courts.
11 Apple-Specific Terms
Because FinTabi is distributed via the App Store, the following additional terms apply:
- These Terms are between you and us only, not Apple. Apple is not responsible for the app or its content.
- Your license is limited to a non-transferable license to use the app on Apple-branded devices you own or control, per the Apple Media Services Terms and Conditions.
- Apple has no obligation to provide maintenance or support for the app.
- Apple is not responsible for any product warranties, to the extent not disclaimed.
- Apple is not responsible for addressing any claims by you or any third party relating to the app.
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
12 Severability and Entire Agreement
If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the app.
13 Contact Us
Questions about these Terms?
Questions about these Terms of Use can be directed to FinTabi Inc. Reach us any time and a real person will reply.
support@fintabiapp.com