Terms of Service

Last updated: February 22, 2025

1. Agreement to Terms

By accessing or using Finni's mobile application and website (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these Terms, you do not have permission to access the Service.

2. Service Description

Finni is a financial literacy application that provides educational content through a freemium model. Basic features are available free of charge, while premium features are available through paid subscriptions.

2.1 Free Services

  • Basic financial literacy lessons and quizzes
  • Limited access to learning materials
  • Ad-supported content
  • Basic progress tracking
  • Leaderboard participation

2.2 Premium Services

  • Ad-free experience
  • Full access to all learning materials
  • Advanced features and content
  • Enhanced progress tracking
  • Additional premium features as released

3. Eligibility

You must be at least 13 years old to use the Service. By using the Service, you represent and warrant that you are at least 13 years old and have the right, authority, and capacity to enter into these Terms.

4. Accounts

4.1 Account Creation

You may create an account using an email address or through third-party services like Google or Facebook. You are responsible for maintaining the security of your account and for all activities that occur under it.

4.2 Account Information

You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

4.3 Account Termination

We reserve the right to suspend or terminate your account and access to the Service:

  • For violations of these Terms
  • For extended periods of inactivity
  • For abusive or inappropriate behavior
  • For attempts to manipulate leaderboards or scoring systems
  • At our sole discretion, with or without cause
  • Upon your request

5. Subscriptions and Payments

5.1 Premium Subscriptions

  • Premium features are available through subscription purchases
  • Subscriptions are processed through Apple's In-App Purchase system
  • Prices and features are subject to change with notice
  • Subscriptions automatically renew unless cancelled at least 24 hours before the renewal date

5.2 Refunds

Refund requests are handled through Apple's standard refund process. We do not process refunds directly.

6. User Content

6.1 Profile Content

You retain ownership of content you create in your profile. However, by creating profile content, you grant Finni a worldwide, non-exclusive, royalty-free license to use, copy, modify, and display such content for the purpose of operating and improving the Service.

6.2 Content Restrictions

You agree not to create or submit content that:

  • Is illegal, obscene, threatening, or defamatory
  • Infringes on intellectual property rights
  • Contains viruses or malicious code
  • Constitutes unauthorized advertising or spam
  • Impersonates others
  • Manipulates leaderboard or scoring systems

7. Acceptable Use

7.1 Prohibited Activities

You agree not to:

  • Use the Service for any illegal purpose
  • Attempt to gain unauthorized access to systems or accounts
  • Interfere with other users' use of the Service
  • Circumvent, disable, or interfere with security features
  • Create multiple accounts to manipulate leaderboards or scoring
  • Sell, trade, or resell access to the Service
  • Copy, modify, or create derivative works of the Service
  • Use automated systems or scripts to access the Service

8. Intellectual Property

8.1 Ownership

The Service and its original content (excluding user-provided content), features, and functionality are owned by Finni and are protected by international copyright, trademark, and other intellectual property laws.

8.2 License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Service for your personal, non-commercial use.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED.

10. Limitation of Liability

IN NO EVENT SHALL FINNI BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

11. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes through the Service or via email.

12. Educational Content Disclaimer

The educational content provided through the Service is for informational purposes only and should not be considered financial advice. Users should consult with qualified financial professionals for specific advice.

13. Third-Party Services

The Service may contain links to third-party websites or services not owned or controlled by Finni. We have no control over and assume no responsibility for their content, privacy policies, or practices.

14. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of law provisions.

15. Contact Information

For questions about these Terms, please contact us at:

Email: hello@finni.io
Website: https://finni.io

16. Severability

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.

17. Entire Agreement

These Terms constitute the entire agreement between us regarding our Service, and supersede and replace any prior agreements we might have between us regarding the Service.