Effective October 7, 2026

Terms of Service

These Terms govern your use of Finvy. By creating an account or using the service, you agree to them. If you don't agree, please don't use Finvy.

1. The service

Finvy is a financial wellness platform that helps you organize your debts, plan your budget, and decide which extra payments will pay your debt down fastest. Finvy is not a bank, does not hold your money, and does not move money between your accounts or to your lenders. We do not provide tax, legal, or investment advice. Payment recommendations and responses from the Finvy Coach are informational, not professional advice.

2. Eligibility

• You must be at least 18 years old.
• You must be a US resident.
• You must provide accurate information when creating your account and keep it up to date.

3. Your account

• You're responsible for the security of your password and any activity on your account. Don't share credentials. You can add two-factor authentication from your Account page.
• You can delete your account at any time with Delete account on your Account page. Deleting it cancels any subscription so you aren't charged again, disconnects your linked bank accounts, and permanently deletes your data; it can't be undone. We keep records only as required by law (see the Privacy Policy on retention).
• We may suspend or terminate accounts that violate these Terms or pose risk to other users or the service.

4. Acceptable use

You agree not to:

• Use Finvy for any unlawful purpose or in violation of US sanctions.
• Reverse-engineer, scrape, or attempt to access another user's data.
• Submit information that you don't have the right to share, including another person's bank credentials.
• Use the Finvy Coach for legally binding tax, investment, or fiduciary advice. Treat its responses as informational.

5. Subscriptions and billing

Finvy offers a free Basic plan and a paid Pro plan, billed monthly or annually. Students with a verified .edu email can choose the Student plan, which is Pro at a discounted price. Custom Enterprise plans are available by agreement. Pricing is shown at signup and on the billing page.

Pro and Student plans start with a 7-day free trial. Unless you cancel before the trial ends, your payment method is charged and the subscription renews automatically each billing period until canceled. You can cancel from Account, then Billing, then Manage subscription; access continues through the end of the paid period. Payments are processed by Stripe. Refunds are handled case by case for verified billing errors.

6. Payment recommendations and recording payments

Finvy suggests extra payments toward your debts. When you approve one, Finvy records the payment in your plan and updates the balances it shows. Approving a payment in Finvy does not send money: Finvy does not debit your bank account, transfer funds, or pay your lender.

• You're responsible for making each payment yourself, directly with your card issuer or lender or through your bank's bill pay, and for making it on time.
• Finvy is not responsible for late fees, interest, returned-payment fees, or credit reporting that result from a payment you recorded in Finvy but didn't make, or made late.
• If you've linked your accounts, the balances your bank reports replace the balances Finvy recorded the next time your accounts sync.

7. Connected accounts and third-party services

Bank and card connections are provided by Plaid. When you link an account, you authorize Plaid to share read-only information from your bank with Finvy: balances, transactions, and card and loan details such as interest rates, minimum payments, and due dates. Your use of Plaid is also subject to Plaid's End User Privacy Policy (plaid.com/legal). You can unlink an account at any time from your Account page.

Information from your bank can be delayed, incomplete, or wrong, and Finvy shows it as your bank reports it. Check important figures with your bank or lender before relying on them.

AI features are provided by Google (Gemini), billing by Stripe, and account email by Resend. By using these features, you agree to the relevant third-party terms. Finvy is not responsible for outages or errors in third-party systems but will work in good faith to restore service.

8. Disclaimers

Finvy is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

Recommendations and projections are based on the data you provide or link and on standard financial formulas. They are not guarantees. Your actual results depend on your spending, income changes, lender policies, and market conditions.

9. Limitation of liability

To the maximum extent permitted by law, Finvy and its affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any lost profits or revenues. Our total liability for any claim arising from your use of Finvy is limited to the greater of (a) the amount you paid us in the 12 months before the claim, or (b) $100.

10. Changes to the service

We may add, change, or remove features. If a change is material and adverse, we'll notify you in-app and by email at least 30 days before it takes effect, where possible.

11. Changes to these Terms

We may update these Terms. Material changes will be posted with at least 30 days notice. Continued use after the effective date means you accept the updated Terms.

12. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws principles. Any dispute will be resolved in the state or federal courts of New Castle County, Delaware, except where applicable law requires consumer disputes to be resolved in your state of residence.

13. Contact

Questions: hello@finvysmartbudgeting.com. For privacy-specific requests, see the Privacy Policy.