Terms of Service

1. Acceptance

By creating a Finora account or using the Finora application (the “Service”), you agree to these Terms of Service and our Privacy Policy. If you don't agree, don't create an account.

2. The service

Finora is a household financial tracking tool for US families. It helps you organize your accounts, transactions, HSAs, and credit cards in one place.

Finora is not a bank. Finora is not a financial advisor, broker, tax preparer, or attorney. We provide organizational tools and informational insights — not advice on what to do with your money.

3. Important disclaimers

HSA & tax flags are informational

Finora uses IRS Publication 502 as a reference for marking expenses as HSA-eligible. These flags are starting points, not tax advice. Consult a qualified tax professional before filing anything based on Finora's categorizations. Finora is not liable for IRS audits, penalties, or interest arising from decisions you make based on its outputs.

Card optimization is an estimate

Card reward suggestions are based on publicly available reward structures. Your actual reward rate depends on your specific cardholder agreement, including bonus caps, rotating categories, and merchant category code (MCC) coding by the payment network. Finora does not guarantee any specific reward outcome.

Cash flow predictions are estimates

“Ghost Ledger” projections, cash flow forecasts, and balance predictions are based on historical patterns and recurring transactions. They are not guarantees. Do not use Finora as the sole basis for decisions about whether you have enough to cover a future payment.

Not a substitute for professional advice

Nothing in Finora — including AI-generated insights, automated categorizations, or chat features — constitutes financial, tax, legal, or investment advice. Always consult a licensed professional for material financial decisions.

4. Your account

• You must be at least 18 years old to create an account.
• You are responsible for keeping your login credentials secure. Notify us immediately if you suspect unauthorized access.
• One household per account. Use household member roles (partner, teen, viewer) to share access with people who live with you.
• You may not let people outside your household use your account.

5. Billing

• Free tier: no charge, no credit card required, no time limit.
• Paid tiers (Seeker, Seer, Oracle): billed monthly or annually as selected at checkout.
• 14-day free trial: new paid subscriptions begin with a 14-day trial. Your card is not charged until day 15. Cancel anytime during the trial and you owe nothing.
• Cancellation: you may cancel at any time from Settings → Billing. Access continues through the end of the current billing period.
• Refunds: pro-rated refunds are available within the first 7 days of a new paid subscription (not counting the trial). After 7 days, payments are non-refundable.
• Price changes: we may change subscription prices with at least 30 days notice. Changes take effect at your next renewal.

6. Data & privacy

• You own your financial data. Finora stores and processes it on your behalf as described in our Privacy Policy.
• You can export your transactions and accounts as CSV at any time from Settings.
• You can request deletion of your account and all associated data; we honor deletion within 30 days.

7. Plaid

• Bank account connections are provided by Plaid Inc., a separate company.
• By connecting accounts, you also agree to Plaid's end-user terms and privacy policy.
• Finora receives only the data Plaid returns: account metadata, balances, and transaction history. Finora never receives or stores your bank login credentials — those are held by Plaid.
• You can revoke any Plaid connection from Settings or directly from your bank.

8. Acceptable use

• Personal and household use only. Finora is not a business accounting tool — do not use it to track business books.
• Don't share account access with people outside your household.
• Don't attempt to access another household's data or probe Finora's systems for vulnerabilities (good-faith security research at security@finora.app is welcome).
• Don't use Finora to facilitate fraud, money laundering, tax evasion, or any other illegal activity.
• Don't scrape, automate, or reverse-engineer the Service outside of features we expose for that purpose (CSV export, future API).

9. Intellectual property

“Finora,” “Crystal Ball,” “Ghost Ledger,” and “Crystal Peek” are trademarks of Finora. The Service's code, design, and content are copyrighted. You may not copy, modify, or redistribute them except as permitted by these terms.

You retain all rights to the financial data you enter. By using Finora you grant us a limited license to store, process, and display that data solely to operate the Service for you.

10. Limitation of liability

The Service is provided “as is” and “as available” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, Finora and its operators are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any financial decisions you make based on data, projections, or insights displayed in the Service.

Finora's total aggregate liability for any claim arising out of or relating to the Service is limited to the greater of (a) the amount you paid Finora in the 12 months preceding the claim, or (b) $100 USD.

11. Indemnification

You agree to indemnify, defend, and hold harmless Finora and its operators, employees, and contractors from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to (a) your violation of these Terms, (b) your violation of any law or the rights of a third party, (c) your misuse of the Service, or (d) data you submit to the Service that infringes a third party’s rights.

12. Termination by Finora

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe that:

• You have materially violated these Terms (including the acceptable use section)
• Your account is used for fraud or to facilitate illegal activity
• A payment fails and is not cured within 14 days of the second failed attempt
• Continued operation would expose Finora or other users to meaningful security, legal, or regulatory risk
• We discontinue the Service entirely (in which case we will give at least 60 days’ notice and provide an export of your data)

On termination by Finora for cause, the data-deletion rules in our Privacy Policy still apply — we offer the same Downgrade vs Delete choice described there. On termination for our discontinuation of the Service, we will provide a full data export and a reasonable wind-down period before any deletion.

13. Governing law and venue

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law principles. Subject to the arbitration provisions in section 14, the exclusive venue for any judicial action permitted under these Terms (such as small-claims actions and actions to enforce arbitration awards) is in the state or federal courts located in Collin County, Texas, and you consent to personal jurisdiction in those courts.

14. Dispute resolution and arbitration

Please read this section carefully. It affects how legal disputes between you and Finora are resolved, requires individual arbitration for most disputes, and waives your right to a jury trial and to participate in a class action.

Informal resolution first

Before initiating arbitration, you agree to first contact us at legal@finora.app and describe the dispute, the relief you seek, and your contact information. We will attempt to resolve the dispute informally within 30 days. If we cannot, either party may initiate arbitration.

Binding individual arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service (collectively, “Disputes”) that is not resolved informally will be resolved exclusively through binding individual arbitration administered by JAMS under its Streamlined Arbitration Rules, then in effect. The arbitration will be conducted in English in Collin County, Texas, or by videoconference if both parties agree. The arbitrator’s decision is final and may be entered as a judgment in any court of competent jurisdiction.

Class action waiver

You and Finora agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate claims of more than one person and may not preside over any form of representative or class proceeding. If this class-action waiver is found unenforceable, then the entirety of this section 14 will be null and void as to that dispute, but the remainder of these Terms will continue to apply.

Exceptions

The following are excluded from arbitration: (a) claims for injunctive or other equitable relief to prevent the actual or threatened infringement, misappropriation, or violation of a party’s intellectual property rights; (b) claims properly brought in small-claims court; and (c) any dispute with a US government entity. Either party may also opt out of arbitration entirely by sending written notice to legal@finora.app within 30 days of first agreeing to these Terms.

Costs and fees

Finora will pay all filing and administrative fees charged by JAMS for claims under $10,000, except where the arbitrator finds the claim to be frivolous. Each party otherwise bears its own attorneys’ fees, unless the arbitrator awards fees under an applicable statute.

15. Force majeure

Neither party will be liable for failure or delay in performance to the extent caused by circumstances beyond its reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, government action, labor disputes, power or internet outages, third-party service failures (including outages of Plaid, Stripe, Supabase, AWS, or Anthropic), and pandemics. The affected party will use reasonable efforts to resume performance as soon as practicable.

16. Miscellaneous

Entire agreement

These Terms and our Privacy Policy constitute the entire agreement between you and Finora regarding the Service and supersede any prior agreements on that subject.

Severability

If any provision of these Terms is held invalid or unenforceable, that provision will be reformed to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect.

No waiver

Our failure to enforce any provision is not a waiver of our right to enforce that provision later.

Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign these Terms to a successor in connection with a merger, acquisition, or sale of substantially all of our assets, with notice to you.

Electronic signatures and notices

By clicking “agree,” creating an account, or continuing to use the Service after a material update, you consent to electronic delivery of notices and to be bound by these Terms as if signed by hand. We may send legal and transactional notices to the email on file for your account; you are responsible for keeping that email current.

Survival

Sections that by their nature should survive termination (including disclaimers, limitation of liability, indemnification, governing law, arbitration, and this Miscellaneous section) will survive.

17. Changes

We may update these terms as the Service evolves. For material changes, we'll notify you by email at least 30 days before the change takes effect. Continued use of the Service after the effective date constitutes acceptance of the updated terms.

18. Contact

Legal notices and questions about these terms: legal@finora.app

General product questions: hello@finora.app