Terms of Service

1. Acceptance of Terms

By downloading, installing, accessing, or using the Fynna mobile application (the “App”) or visiting our website at fynna.app (the “Website”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you must not use the App or Website.

We reserve the right to modify these Terms at any time. Changes will be effective upon posting the updated Terms with a new “Last Updated” date. Your continued use of the App after any changes constitutes your acceptance of the revised Terms.

2. Description of Service

Fynna is a personal finance tracking application that allows you to record and monitor your income, expenses, investments (stocks and cryptocurrency), debts, subscriptions, credit cards, liquid assets, and net worth. The App stores all data locally on your device, with optional end-to-end encrypted iCloud sync available for Pro subscribers.

Fynna is designed as a personal finance tracking and organization tool. It is not a banking app, payment processor, investment platform, or financial services provider.

3. Not Financial Advice

All information presented within the App, including but not limited to calculations, projections, summaries, charts, and insights, is provided solely for your personal informational and organizational purposes. Nothing in the App should be construed as a recommendation to buy, sell, or hold any financial instrument, or to make any specific financial decision.

You are solely responsible for your own financial decisions. We strongly recommend consulting with qualified financial advisors, tax professionals, or other appropriate experts before making any financial decisions. Fynna assumes no liability for any financial decisions you make based on information displayed in the App.

4. Market Data Disclaimer

Fynna displays stock prices, cryptocurrency prices, and currency exchange rates obtained from third-party data providers. Regarding this market data:

• Market data is provided for informational purposes only and may be delayed, inaccurate, or incomplete.
• Prices and exchange rates should not be used as the sole basis for any financial, investment, or trading decisions.
• We do not guarantee the accuracy, completeness, timeliness, or reliability of any market data displayed in the App.
• Real-time data may be subject to delays depending on third-party data provider availability and market conditions.
• Historical data and trends shown in the App are for reference only and do not predict future performance.
• We are not responsible for any errors, omissions, or delays in market data, or for any actions taken in reliance on such data.

5. Accuracy of Information

While we strive to ensure the accuracy of all calculations, projections, summaries, and other information presented in the App, we cannot and do not guarantee that such information is error-free. The App performs calculations based on the data you enter, and the accuracy of outputs depends on the accuracy of your inputs. You should independently verify any important financial calculations and not rely solely on the App for critical financial decisions.

6. In-App Purchases and Subscriptions

Fynna offers a free tier with core features and a Pro subscription that unlocks additional features including custom categories and groups, advanced insights, iCloud sync, and theme selection.

• Pro subscriptions are purchased and managed through Apple's App Store and are subject to Apple's terms and conditions.
• Payment is charged to your Apple ID account at confirmation of purchase.
• Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.
• You can manage and cancel your subscription at any time through your Apple ID settings (Settings > [Your Name] > Subscriptions).
• Refunds are handled by Apple in accordance with their refund policies. We do not process refunds directly.
• We reserve the right to change subscription pricing. Any price changes will apply to the next billing cycle after the change is announced.
• Free trial periods, if offered, will automatically convert to a paid subscription unless cancelled before the trial ends.

7. User Responsibilities

By using Fynna, you agree to:

• Use the App only for lawful purposes and in accordance with these Terms.
• Be responsible for the accuracy of the data you enter into the App.
• Maintain the security of your device, including using appropriate passcodes, biometric locks, and keeping your operating system up to date.
• Not attempt to reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the App.
• Not use the App to engage in any activity that could damage, disable, overburden, or impair our infrastructure.
• Not attempt to gain unauthorized access to any systems or networks related to Fynna.
• Not redistribute, sublicense, or resell the App or any part thereof.
• Ensure you are at least 13 years of age (or the minimum age required in your jurisdiction) to use the App.

8. Intellectual Property

All intellectual property rights in the App, including but not limited to the software, design, graphics, user interface, logos, trademarks, service marks, and content, are owned by or licensed to Fynna and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial use in accordance with these Terms. This license does not include the right to:

• Modify, copy, or create derivative works based on the App.
• Use any data mining, robots, or similar data gathering and extraction tools on the App.
• Use the Fynna name, logo, or trademarks without our prior written consent.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FYNNA, ITS DEVELOPERS, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

• Loss of profits, revenue, data, or financial opportunity.
• Financial losses resulting from decisions made based on information displayed in the App.
• Losses resulting from inaccurate market data, exchange rates, or calculations.
• Losses resulting from the inability to access or use the App.
• Losses resulting from unauthorized access to your device or data.
• Any damages arising from third-party data provider outages or inaccuracies.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR FIFTY US DOLLARS ($50.00), WHICHEVER IS GREATER.

10. Disclaimer of Warranties

THE APP IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Warranties that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
• Warranties regarding the accuracy, reliability, or completeness of any information, content, or data provided through the App.
• Warranties that the App will meet your specific requirements or expectations.

You acknowledge that you use the App at your own risk and that you are solely responsible for any damage to your device or loss of data that may result from using the App.

11. Indemnification

You agree to indemnify, defend, and hold harmless Fynna, its developers, affiliates, officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) any financial decisions you make based on information presented in the App.

12. Termination

You may stop using the App at any time by deleting it from your device. We may terminate or suspend your access to the App at any time, without prior notice or liability, for any reason, including if you breach these Terms.

Upon termination, all provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, limitations of liability, and indemnification obligations.

13. Governing Law and Dispute Resolution

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

Any dispute arising out of or relating to these Terms or the App shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved through negotiation within thirty (30) days, either party may pursue resolution through the competent courts of the Republic of Turkey.

14. Third-Party Services

The App may interact with third-party services, including but not limited to Apple's App Store, iCloud, and third-party data providers for market data. Your use of these third-party services is subject to their respective terms and conditions and privacy policies. We are not responsible for the practices or content of any third-party services, and we make no representations or warranties regarding them.

15. Severability

If any provision of these Terms is found to be invalid, unenforceable, or illegal by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.

16. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fynna regarding your use of the App and supersede all prior or contemporaneous agreements, communications, and proposals, whether oral or written, between you and Fynna.