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Terms & Conditions

Last Updated: January 2, 2026

1. Acceptance of Terms

By accessing and using financeplannerapp.com (the "Website") and the Finance Planner mobile application (the "App"), you accept and agree to be bound by the following Terms and Conditions. If you do not agree to these terms, please do not use our services.

These terms apply to all visitors, users, and others who access or use the Website and App.

2. Use of Services

You agree to use the Website and App only for lawful purposes and in accordance with these Terms. You agree not to:

3. Intellectual Property Rights

Unless otherwise indicated, the Website and App are our proprietary property and all source code, databases, functionality, software, website designs, audio, video, text, photographs, graphics, and all content on this Website are owned by Finance Planner, its affiliates, or its content suppliers and are protected by international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You may not copy, modify, distribute, sell, or lease any part of the Website or App without our express written permission. You may not reverse engineer or attempt to extract the source code of the App.

4. User Content

If you submit any content to the Website (including feedback, suggestions, or communications), you grant Finance Planner a non-exclusive, royalty-free, perpetual, irrevocable, and fully sublicensable right to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such content throughout the world in any media.

You represent and warrant that you own or otherwise control all rights in and to any content you submit and that such content does not violate any third-party rights.

5. Privacy Policy

Your use of the Website and App is also governed by our Privacy Policy. Please review our Privacy Policy carefully, as it affects your legal rights and obligations. By using our services, you agree to the collection and use of information in accordance with our Privacy Policy.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Finance Planner, its authors, affiliates, employees, and agents shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or in connection with your use of the Website or App, even if advised of the possibility of such damages.

This includes, without limitation, any damages resulting from:

7. No Professional Advice

The content provided on the Website and in the App is for informational and educational purposes only and does not constitute professional financial, legal, tax, or investment advice. You should consult with qualified professionals before making any financial decisions.

8. Third-Party Services

The Website and App may contain links to third-party websites or services that are not owned or controlled by Finance Planner. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party sites.

Your use of third-party services is at your own risk and is governed by the terms and conditions of those services.

9. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Website and App.

10. Termination

We may terminate or suspend access to our services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

All provisions of the Terms which by their nature should survive termination shall survive termination, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law

These Terms shall be governed by and construed in accordance with general international principles and applicable laws. Any disputes arising from these Terms shall be subject to the exclusive jurisdiction of the courts where Finance Planner is based, unless local law requires otherwise.

12. Contact Information

If you have any questions about these Terms, please contact us.