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Terms of Use

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Last Updated: October 2025

These Terms of Use ("Terms") constitute a legally binding agreement between you and Tsung Jui Hsieh ("we," "us," or "our"), the operator of the Finl mobile application ("App"). By downloading, installing, or using Finl, you agree to be bound by these Terms.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE APP.

1. Acceptance of Terms

By creating an account, subscribing to Finl Pro, or otherwise using the App, you confirm that:

These Terms incorporate our Privacy Policy by reference. Your use of Finl is also governed by the Apple App Store Terms of Service.

2. Description of Service

Finl is a personal finance management application that enables you to:

Pro Subscription Features: Subscribers to Finl Pro gain access to:

3. User Accounts

Free Users

You may use Finl without creating an account. All your data will be stored locally on your device. You are responsible for backing up your device to prevent data loss.

Pro Users

To access Pro features, you must:

Account Security

You agree to:

We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

4. Subscriptions and Payments

Subscription Tiers

Finl Pro is available through auto-renewing subscriptions offered via the Apple App Store. Subscription options and pricing are displayed within the App and are subject to change.

Billing and Auto-Renewal

Free Trials

If we offer a free trial period, you will be charged the full subscription price when the trial ends unless you cancel before the trial period expires. Trial eligibility is determined by Apple and may be limited to one trial per user.

Refunds

All purchases are subject to Apple's refund policy. We do not process refunds directly. To request a refund:

Refund eligibility is determined solely by Apple in accordance with their policies.

Price Changes

We may change subscription prices at any time. Price changes will apply to new subscribers immediately and to existing subscribers upon their next renewal date. You will receive advance notice of any price changes affecting your subscription.

5. Acceptable Use

You agree to use Finl only for lawful purposes and in accordance with these Terms. You agree NOT to:

Prohibited Conduct

Violation of these prohibited uses may result in immediate termination of your account and access to the App.

6. Intellectual Property Rights

Our Ownership

The App and all its contents, features, and functionality (including but not limited to software, text, graphics, logos, icons, images, audio clips, and data compilations) are owned by Tsung Jui Hsieh and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

License Grant to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

This license does not permit you to:

Your Content

You retain all ownership rights to the financial data and content you create or upload to the App ("Your Content"). By using the App, you grant us a limited, worldwide, non-exclusive license to:

This license terminates when you delete Your Content or close your account, except for data retained in accordance with our Privacy Policy.

7. Third-Party Services

Finl integrates with the following third-party services to provide functionality:

Your use of these third-party services is subject to their respective terms of service and privacy policies. We are not responsible for:

8. Disclaimers and Limitations of Warranty

No Financial Advice

Finl is a tool for tracking personal expenses and managing budgets. IT DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. You should consult with qualified professionals for financial planning, tax preparation, or investment guidance.

Data Accuracy

While we strive for accuracy in AI-powered features (receipt scanning, voice parsing, price detection), we do not guarantee 100% accuracy. YOU ARE SOLELY RESPONSIBLE FOR VERIFYING ALL EXPENSE DATA, AMOUNTS, CATEGORIES, AND CALCULATIONS.

We are not liable for any financial decisions you make based on data processed or displayed by the App.

Service Availability

We aim to provide reliable, uninterrupted service but do not guarantee:

The App may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control.

AS-IS and AS-AVAILABLE Basis

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

WE DO NOT WARRANT THAT THE APP WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, TSUNG JUI HSIEH (OPERATOR OF FINL) SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR ONE HUNDRED US DOLLARS ($100), WHICHEVER IS LESS.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for incidental or consequential damages. In such jurisdictions, our liability will be limited to the greatest extent permitted by law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Tsung Jui Hsieh and his affiliates, licensors, and service providers from any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, at your expense.

11. Account Termination and Suspension

Termination by You

You may terminate your use of Finl at any time:

Termination by Us

We reserve the right to suspend or terminate your account and access to the App immediately, without prior notice or liability, for any reason, including but not limited to:

Effect of Termination

Upon termination of your use:

Sections of these Terms that by their nature should survive termination (including intellectual property provisions, disclaimers, limitations of liability, and indemnification) shall survive.

12. Data Deletion and Privacy

Your use of Finl is governed by our Privacy Policy, which explains how we collect, use, and protect your information.

Free Users

All data is stored locally on your device. To delete your data, simply uninstall the App.

Pro Users

You may request deletion of all your cloud-stored financial data by emailing [email protected]. We will process deletion requests promptly and confirm completion.

Note: Your Apple ID account cannot be deleted through Finl as it is managed by Apple. However, you can delete all your financial data stored in Finl's cloud storage.

13. Changes to These Terms

We may modify these Terms at any time to reflect changes in our practices, technology, legal requirements, or for other reasons.

When we make material changes, we will:

Your continued use of Finl after the effective date of updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the App and may request a refund for any unused subscription period (subject to Apple's refund policies).

14. Governing Law and Dispute Resolution

Governing Law

These Terms shall be governed by and construed in accordance with the laws of Taiwan (Republic of China), without regard to its conflict of law principles.

Informal Resolution

If you have a dispute with us, please contact us first at [email protected]. We will attempt to resolve the dispute informally through good-faith negotiation.

Arbitration

If we cannot resolve the dispute informally, any disputes arising from or relating to these Terms or your use of the App shall be resolved through binding arbitration conducted in accordance with the arbitration laws of Taiwan.

You agree that:

Exceptions

Either party may seek injunctive or other equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

15. Severability and Waiver

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative.

16. Entire Agreement

These Terms, together with our Privacy Policy and any additional terms you agree to when using specific features, constitute the entire agreement between you and Tsung Jui Hsieh regarding the use of Finl and supersede all prior agreements and understandings, whether written or oral.

17. Contact Information

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

Developer: Tsung Jui Hsieh
Email: [email protected]
Location: Taiwan

18. Apple-Specific Terms

The following additional terms apply to your use of Finl on iOS devices:

Acknowledgment

You acknowledge that these Terms are concluded between you and Tsung Jui Hsieh only, and not with Apple Inc. Apple is not responsible for the App or its content.

Scope of License

The license granted to you under these Terms is limited to a non-transferable license to use Finl on Apple-branded devices that you own or control, as permitted by the Apple App Store Terms of Service Usage Rules.

Maintenance and Support

Apple has no obligation to provide any maintenance or support services for the App. All support inquiries should be directed to [email protected].

Warranty

Apple is not responsible for any warranty claims related to the App. In the event the App fails to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if applicable). To the maximum extent permitted by law, Apple will have no other warranty obligation with respect to the App.

Product Claims

Apple is not responsible for addressing any claims by you or any third party relating to the App or your use of the App, including but not limited to:

Intellectual Property

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

Legal Compliance

You represent and warrant that:

Third-Party Beneficiary

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