FINBUDDY / TERMS OF USE
The ground rules.
Plainly stated.
These Terms govern your use of FinBuddy, its budgeting and payroll estimates, cloud sync and receipt scanning.
Agreement
Effective 16 October 2026. By creating an account or using FinBuddy, you agree to these Terms of Use and acknowledge the Privacy Policy. If you do not agree, do not use the app.
Personal finance tool only
FinBuddy is a recordkeeping and estimation tool. It is not a bank, payroll processor, accountant, tax adviser, financial adviser, insurer, lender or employer system. It does not move money or verify entries against a bank, employer or government source.
Your responsibilities
You are responsible for accurate inputs, lawful use, safeguarding credentials and backup passwords, reviewing AI-extracted receipt values, and independently checking payroll, tax, leave, holiday and overtime calculations. Rules vary by employer, contract and jurisdiction, and configured calculations may not match an official payslip.
Accounts and acceptable use
Provide accurate account information, use a strong unique password and do not attempt to access another user’s data, disrupt the service, reverse engineer protected services, upload unlawful material or use the receipt scanner for documents you are not authorized to process.
Availability and third party services
Offline features may remain available without connectivity, but cloud and AI features depend on Supabase, Google Gemini, Expo, network providers and platform services. Features may be delayed, limited or unavailable because of outages, quotas, policy changes or free-tier limits.
Intellectual property
The application software, branding and original documentation are protected by applicable intellectual-property laws. You retain ownership of the information and images you enter, subject to the limited processing needed to operate the selected features.
No warranties
To the maximum extent permitted by law, FinBuddy is provided as is and as available without warranties that calculations, availability, extracted data or synchronization will always be complete, accurate, secure or uninterrupted. Nothing in these terms excludes rights that cannot lawfully be excluded.
Limitation of liability
To the maximum extent permitted by law, the developer is not liable for decisions made from estimates, missed pay, tax or employment consequences, lost data, device failure, third-party outages or indirect and consequential loss. Always retain official payslips, receipts and independent backups.
Termination and deletion
You may stop using the app and delete your account at any time. Access may be suspended for unlawful or abusive use. Account deletion is permanent and removes cloud data; copies in backups you control are not automatically removed.
Changes and governing law
These terms may change when the product, law or third-party services change. The current version and effective date will remain available in the app. These terms are governed by the laws of Trinidad and Tobago, without limiting mandatory consumer or privacy rights that apply where you live.
Questions about these Terms?
Contact FinBuddy support if something is unclear.
support-FinBuddy@cybertwinsdigital.comOpen any email app or webmail service and use the subject Question about FinBuddy Terms of Use.