Terms of Service

These Terms of Service ("Terms") govern your access to and use of FinnLion (the "Service"), a web and mobile application for budgeting, invoicing, bill and debt tracking, mileage logging, and related financial organization tools for freelancers, solo operators, and individuals. By creating an account or using the Service, you agree to these Terms. If you don't agree, don't use the Service.

1. What FinnLion Is — and Isn't

FinnLion lets you track income and spending, build budgets, send invoices and estimates to your own customers, track bills and debt payoff, log mileage, and optionally connect a bank account (via Stripe Financial Connections) so transactions import automatically.

FinnLion is not a bank, lender, broker-dealer, money transmitter, or payment processor. We don't hold, transmit, or have custody of your funds at any point. When you link a bank account, we only read balance and transaction data — we never initiate a transfer, payment, or withdrawal from it. When you send an invoice and connect your own Stripe account to accept payment on it, that payment goes directly from your customer to your Stripe account; FinnLion is never a party to that transaction and never touches the money.

FinnLion is currently offered free of charge during a beta period. We may introduce paid plans in the future; if we do, we'll tell you before any charge applies to your account.

2. Not Financial, Tax, or Legal Advice

Budgeting projections, the quarterly tax set-aside estimate, the accountant data package, spending insights, and every other figure the Service calculates are informational tools built from the data you provide. They are estimates, not advice, and are not a substitute for a licensed accountant, tax preparer, financial advisor, or attorney. The tax estimate in particular uses simplified assumptions (a flat self-employment rate and an income-tax rate you set yourself) and does not account for deductions, credits, filing status, or state tax — always confirm your actual tax obligations with a qualified professional.

You're solely responsible for decisions you make based on information in the Service, including what you report to any tax authority.

3. Eligibility & Your Account

• You must be at least 18 years old and able to form a binding contract to use FinnLion.
• You must provide accurate information when creating an account and keep your login credentials confidential. You're responsible for all activity that happens under your account.
• Notify us immediately if you suspect unauthorized access to your account.
• One account per person, unless we agree otherwise in writing.

4. Connecting a Bank Account

Bank connections are handled through Stripe Financial Connections, a third-party service. When you connect an account, you're authorizing Stripe to share your account and transaction data with FinnLion, subject to Stripe's own terms and your bank's terms. We re-fetch that data directly from Stripe on each sync — we never ask you to hand us your online banking username or password.

You can disconnect a linked bank account at any time from within the Service. You're responsible for the accuracy of data your bank reports; we're not responsible for errors, delays, or omissions in data supplied by your bank or by Stripe.

5. Invoices, Estimates & Your Customers

Invoices and estimates you create are between you and your customer — FinnLion is a tool you use to generate and send them, not a party to the underlying sale. You're responsible for the accuracy of what you bill, for complying with any tax, licensing, or consumer-protection law that applies to your business, and for your relationship with your customers.

If you generate a public, unauthenticated link to share an invoice or estimate PDF, anyone with that link can view it. You're responsible for who you share it with, and you can revoke a link at any time from within the Service.

If you connect your own Stripe account so a customer can pay an invoice online, that connection and any resulting payment are governed by your agreement with Stripe, not by these Terms.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose, or to send fraudulent invoices, estimates, or other communications;
• Use the Service's email-sending features to send spam, unsolicited bulk email, or anything unrelated to your own invoices, estimates, and business communications;
• Attempt to access another user's account or data, or probe, scan, or test the Service's security;
• Reverse-engineer, decompile, or attempt to extract the source code of the Service, except where applicable law permits it;
• Scrape, systematically extract, or use automated means to access the Service beyond your own normal use;
• Upload malicious code or files, or use the receipt/document upload feature to store or share content unrelated to your own transactions and financial records.

We may suspend or terminate accounts that violate this section.

7. Your Content

You retain ownership of the financial data, documents, receipts, and other content you enter into or upload to FinnLion ("Your Content"). You grant us a limited license to host, store, process, and display Your Content solely to provide and improve the Service to you. We don't sell Your Content, and we don't use it to train third-party advertising products.

You're responsible for having the right to upload any content you add (for example, receipts or documents you attach to a transaction), and for its accuracy.

8. Third-Party Services

FinnLion relies on third-party services to work, including Stripe (bank data and, if you connect your own account, invoice payments), Google (sign-in and, if you connect it, Calendar), and Resend (sending email on your behalf). Your use of those integrations is also subject to that provider's own terms and privacy practices. We're not responsible for outages, changes, or errors originating from a third-party service we don't control.

9. Intellectual Property

The Service, including its design, features, and underlying software, is owned by FinnLion and protected by applicable intellectual property laws. These Terms don't grant you any right to FinnLion's name, logo, or branding beyond what's needed to use the Service as intended.

10. Suspension & Termination

You may delete your account at any time from Settings. Doing so permanently deletes your data — app data, bank connections (which are also disconnected at Stripe), synced transactions, invoices, and everything else tied to your account — and can't be undone.

We may suspend or terminate your access if you violate these Terms, if we reasonably believe your account poses a security or legal risk, or if we discontinue the Service, with notice where practical.

11. Disclaimers

The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the Service will be uninterrupted, error-free, or that data (including bank-synced data) will always be accurate or complete. Nothing in these Terms limits any warranty that can't be excluded under applicable law.

12. Limitation of Liability

To the fullest extent permitted by law, FinnLion won't be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, revenue, or data, arising from your use of the Service — including decisions made based on a budget, tax estimate, or other figure the Service calculates. Our total liability for any claim relating to the Service is limited to the amount you paid us in the twelve months before the claim arose (which, during any free period, is zero).

13. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we'll update the "Last updated" date above and, where appropriate, notify you in the app. Continuing to use the Service after changes take effect means you accept the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of New York, without regard to conflict-of-law principles.

15. Contact

Questions about these Terms? Contact us at shayalieberman@gmail.com.