Finbe — Unified Terms of Use & Privacy Policy

Part A — Terms of Use

1. 1) Acceptance

   By creating an account, accessing, or using the Service you agree to these Terms. If you do not agree, do not use the Service.

2. 2) Eligibility

   You must be at least the age of majority in your place of residence (and in any case not under 16) to use the Service. You may only use the Service for lawful purposes.

3. 3) Your Account & Security

   You are responsible for your account and for keeping your login credentials confidential.

   Passwords are hashed and salted using industry-standard methods. We do not store plain-text passwords and cannot recover them; password resets create new credentials.

   You must notify us promptly of any unauthorized use of your account.

4. 4) What Finbe Does (and Doesn’t)

   Finbe is a personal finance data manager. It helps you record and organize transactions, accounts, categories/tags, budgets, cash flow, and related information.

   • No professional advice. Finbe does not provide financial, investment, legal, accounting, or tax advice; outputs are informational only. You are solely responsible for decisions based on the data you enter.
   • Finbe is not a bank, broker, payment service, or money transmitter. The Service does not move, hold, or invest money.

5. 5) Plans, Fees, and Trials

   We may offer free or paid plans and trials. Any pricing, features, and billing terms shown at purchase time are part of these Terms. Amounts are non-refundable except where required by law.

6. 6) Your Content & License to Us

   Ownership. You retain all rights to the personal finance data and other content you submit (“User Content”).

   License to operate the Service. You grant us a limited, worldwide, non-exclusive, royalty-free license to host, process, back up, and display User Content solely to provide and support the Service (including security, troubleshooting, analytics, and improvements related to your use).

   You represent that you have all rights necessary to submit User Content and that it doesn’t violate law or others’ rights.

7. 7) Acceptable Use

   You will not:

   • misuse or attempt to interfere with the Service;
   • reverse engineer or attempt to access the source or underlying data models except to the extent this restriction is prohibited by law;
   • use the Service to store unlawful, harmful, or infringing content;
   • use automated scraping/crawling except as allowed by our robots or by written permission;
   • circumvent access controls; or
   • use the Service to build a competing product.

8. 8) Intellectual Property

   The Service (including software, UX, and branding) is owned by the Company or its licensors and is protected by law. No rights or licenses are granted except as expressly stated.

9. 9) Third-Party Services

   The Service may interoperate with third-party services (e.g., cloud hosting, email delivery, analytics). We are not responsible for third-party terms or policies. Your use of third-party services is at your option and subject to their terms.

10. 10) Availability; Changes; Beta

    We may modify, suspend, or discontinue the Service or features (including beta/preview features) with reasonable notice where practicable. Beta features are provided “as is” and may be withdrawn.

11. 11) Term; Termination

    You may stop using the Service at any time. We may suspend or terminate your access for material breach, unlawful use, or risks to the Service or others. Upon termination we will close your account; see Privacy Policy – Data Retention & Deletion for how we handle stored data.

12. 12) Disclaimers

    THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that data errors will be corrected.

13. 13) Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION; and (b) OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED the greater of AED 1,000 or the amounts you paid to us for the Service in the 12 months before the claim. Some jurisdictions do not allow certain exclusions or limitations; in that case these limits apply to the fullest extent permitted.

14. 14) Indemnity

    You will indemnify and hold the Company and its affiliates/partners harmless from claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of your unlawful use of the Service or breach of these Terms.

15. 15) Communications

    By creating an account, you consent to receive transactional or administrative emails (e.g., verification, security alerts, service notices). You can opt out of non-essential marketing emails at any time via the unsubscribe link.

16. 16) Governing Law & Venue

    These Terms are governed by the laws of the Emirate of Ras Al Khaimah and the United Arab Emirates without regard to conflict-of-laws rules. Courts located in Ras Al Khaimah, UAE have exclusive jurisdiction, and you consent to personal jurisdiction and venue there.

17. 17) Changes to These Terms

    We may update these Terms. If changes are material, we will provide reasonable notice (e.g., by email or in-app notice). Your continued use after the effective date constitutes acceptance of the changes.