Terms of Service
Effective 2025-06-24 · finzodotmoney@gmail.com
These Terms govern your use of Finzo’s iOS app and website at finzo.money. By creating an account or using Finzo, you agree to these Terms and our Privacy Policy.
Service description
Finzo helps you understand personal spending by parsing bank debit SMS alerts you choose to forward via Apple Shortcuts. Finzo provides categorization, budgets, insights, and an AI assistant limited to your transaction data. Finzo is not a bank, lender, investment adviser, or tax professional.
Eligibility
You must be at least 18 years old and able to form a binding contract. You are responsible for accurate account information and keeping your login secure.
Your setup responsibilities
- You configure Apple Shortcuts and automations on your own device.
- Finzo only receives SMS content you explicitly route through the Finzo shortcut when your automation runs.
- Transaction history in Finzo begins when forwarding is active — not retroactive bank history.
- You are responsible for removing automations when you stop using Finzo (including after account deletion).
Acceptable use
You agree not to:
- Use Finzo for unlawful purposes or to access others’ data
- Attempt to reverse engineer, scrape, or overload our systems
- Misrepresent parsed data as official bank records
- Abuse Finzo AI to generate harmful, illegal, or off-topic content
Accuracy disclaimer
Parsed amounts and merchants depend on your bank’s SMS format. Finzo may misread or miss transactions. Do not rely on Finzo as your sole financial record. Verify important figures with your bank.
Finzo AI
AI answers are generated from your stored transactions and may be incomplete or wrong. They are for informational purposes only — not financial, legal, or tax advice.
Intellectual property
Finzo’s app, brand, and website content are owned by us. You retain ownership of your data; you grant us a license to process it to provide the service.
Termination
You may delete your account anytime in the app. We may suspend or terminate access if you violate these Terms. On deletion, your cloud data is removed per our Privacy Policy; local Shortcuts automations remain on your phone until you delete them.
Limitation of liability
To the maximum extent permitted by law, Finzo is provided "as is." We are not liable for indirect, incidental, or consequential damages, or for losses arising from SMS parsing errors, automation failures, or third-party outages.
Governing law
These Terms are governed by the laws of India. Disputes shall be subject to the courts of India unless otherwise required by applicable law.