Terms of Service

Legal Notice: Identification of the operator

The Finyvo mobile application (hereinafter, “the App”, “the Application”, or “Finyvo”) and the finyvo.com website are operated by:

Moises Núñez
Independent developer
The Dominican Republic
Contact: [email protected]

Hereinafter, the operator will be referred to as “Finyvo”, “we”, “us”, or “the Operator”.

Nature of the service

Finyvo is a personal financial management application available exclusively for iOS devices through Apple’s App Store. Finyvo:

Is not a financial institution, payment intermediary, investment advisor, currency exchange, or provider of banking services.
Does not offer financial services subject to regulation by the Superintendency of Banks of the Dominican Republic or any other financial authority.
Does not connect to the user’s bank accounts, does not process payments on their behalf, does not handle third-party funds, and does not carry out any monetary transfer.
Is a personal tracking and planning tool: the user manually enters their financial movements, and the application organizes, budgets, and reports on them.

The European Commission provides an online dispute resolution platform for users in the European Union: https://ec.europa.eu/consumers/odr/. As Finyvo is operated outside the EU, it is not required to participate in that platform, but makes it known to European users.

Acceptance of the Terms

By downloading, installing, accessing, or using Finyvo, you (“User” or “you”) agree to be bound by these Terms of Service (hereinafter, “Terms”). If you do not agree with any part of these Terms, do not download, install, or use the Application.

These Terms, together with the Legal Notice, the Subscription Terms, the Privacy Policy, and the EULA, form the complete agreement between you and Finyvo regarding your use of the Application.

Description of the service

Finyvo offers, among others, the following features:

Manual recording of financial transactions (expenses, income, and transfers) in more than 90 currencies.
Creation and management of wallets, categories, tags, monthly budgets, savings goals, and recurring subscriptions.
Automatic budget calculation based on templates (50/30/20, historical, previous month, manual).
Financial reports with a financial health score, comparative charts, and PDF export (premium feature).
Currency conversion using reference exchange rates updated every six (6) hours.
Optional artificial intelligence features for automatic categorization, description normalization, and natural-language search.
Local storage (on your device) of all your financial information, with an automatic backup system.

Finyvo is an informational and organizational tool. It does not constitute financial, tax, accounting, legal, or investment advice. Any decisions you make based on the information the Application presents to you are your sole responsibility.

Usage requirements

To use Finyvo you need:

An iOS device compatible with iOS 18.0 or higher.
An Internet connection for features that require the backend (exchange rates, brand logos, AI features, in-app purchases). The rest of the application works offline.
To be at least thirteen (13) years of age, or the minimum age required in your country to use digital services without parental authorization. For users between 13 and the age of majority, authorization from a parent or legal guardian is required.

License to use

Subject to your compliance with these Terms, Finyvo grants you a personal, non-transferable, non-exclusive, revocable, and limited license to download and use the Application on devices that you own or control, exclusively for personal, non-commercial use.

This license is granted in accordance with the Apple Standard End User License Agreement (EULA) available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/, supplemented by the specific provisions set forth later in this document.

Acceptable use

When using Finyvo, you agree to:

Use the Application only for personal and lawful purposes.
Enter truthful and accurate information to the extent that this affects your own use.
Not use the Application to conceal, hide, or launder assets derived from unlawful activities.
Not attempt to access, alter, probe, or compromise the api.finyvo.com backend infrastructure by means other than the normal use of the Application.
Not reverse engineer, decompile, disassemble, or attempt to obtain the source code, except to the extent strictly permitted by applicable law.
Not resell, redistribute, sublicense, rent, or transfer the Application or access to it.
Not use the Application to create a competing service.
Not deliberately overload, attack, or saturate the servers of Finyvo or its providers.

Finyvo reserves the right to restrict or limit access to its backend services in the event of abusive or automated use, or use that violates the published technical limits (rate limits).

User content

All the financial information you enter into Finyvo (transactions, balances, notes, merchant names, custom categories, goals, budgets, tags, etc.) is and remains your sole property. Finyvo claims no rights over that content.

Because the data is stored locally on your device, you are responsible for:

Maintaining the backup of your device (via the operating system’s iCloud Backup, an iTunes/Finder backup, or any other Apple mechanism).
Securing the device with a passcode, Touch ID, or Face ID.
Keeping the backup file if you export your data.

If you lose your device, reset it to factory settings, or uninstall the Application without having made a backup, the data cannot be recovered: Finyvo does not store a copy of your financial data on any server.

Service availability and modifications

Finyvo strives to keep the Application and the backend services available, but does not guarantee uninterrupted availability. Interruptions may occur due to maintenance, updates, failures of third-party providers (Cloudflare, OpenAI, Apple, etc.), or force majeure.

Finyvo reserves the right to:

Modify, add, or remove features at any time.
Temporarily suspend the service for maintenance.
Discontinue the Application with reasonable advance notice when feasible.

Features that depend on the backend (exchange rates, brand logos, AI features) are subject to the published rate limits. These limits may be modified at any time without prior notice in order to protect the integrity and availability of the service.

In-app purchases

Finyvo is offered under a freemium model: most features are available for free, subject to certain usage limits. The Finyvo Plus subscription removes those limits and unlocks additional features.

The complete subscription terms are detailed later in this document. Any in-app purchase is also subject to Apple Media Services Terms and Conditions: https://www.apple.com/legal/internet-services/itunes/.

Intellectual property

The Application, its code, design, interface, animations, Liquid Glass visual system, brand language, logo, the trade names “Finyvo” and “Finyvo Plus”, iconography, copy, and documentation are the property of Finyvo or its licensors, and are protected by the intellectual property laws of the Dominican Republic and the applicable international treaties.

The third-party brand logos (Netflix, Spotify, etc.) that appear in the Application are the property of their respective owners and are used solely for the visual identification of the subscription services you choose to track. Their inclusion does not imply sponsorship, affiliation, association, endorsement, or commercial partnership with those owners.

Disclaimer of warranties

THE APPLICATION IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

IN PARTICULAR, AND WITHOUT LIMITING THE FOREGOING, FINYVO DOES NOT WARRANT:

That the Application is free of errors, defects, or interruptions.
The absolute accuracy of the exchange rates provided. The rates are for reference, are updated every six hours, and must not be used for trading operations, arbitrage, investment decisions, or transactions where real-time precision is critical.
The accuracy of the categorizations, suggestions, or normalizations produced by the artificial intelligence features. All suggestions require confirmation by the user before they are applied.
That the financial health score or the generated reports constitute financial advice. They are informational metrics calculated through static heuristics.
That the brand logos represent current or official information about the subscription services you track.

Limitation of liability

To the maximum extent permitted by applicable law, Finyvo, its developers, collaborators, and providers will not be liable for:

Loss, corruption, or inaccessibility of the data stored on your device.
Indirect, incidental, special, consequential, or punitive damages arising from the use of or inability to use the Application, including but not limited to: loss of profits, loss of opportunities, reputational harm, loss of information, or consequential damages.
Financial, tax, or investment decisions you make based on information presented by the Application.
Interruptions, errors, or changes attributable to third-party services (Apple, Cloudflare, OpenAI, Google, RevenueCat, Brandfetch, exchangerate.host, NTFY, or others). Each of these services has its own terms and policies, which apply independently of these Terms.
Losses arising from improper, unauthorized, or fraudulent use of your device or your Apple ID account.

To the maximum extent permitted by law, Finyvo’s total cumulative liability to the User for any claim, regardless of its cause, will be limited to the amount actually paid by the User for the Finyvo Plus subscription during the twelve (12) months prior to the event giving rise to the claim, or to five US dollars (USD 5.00), whichever is greater.

Nothing in these Terms limits or excludes liabilities that cannot be limited or excluded under applicable law, including those arising from willful misconduct or gross negligence.

Indemnification

You agree to indemnify and hold harmless Finyvo and its collaborators against any claim, demand, damage, loss, or expense (including reasonable attorneys’ fees) arising from:

Your improper use of the Application.
Your breach of these Terms.
Your violation of third-party rights, including intellectual property or privacy rights.
The information you enter into the Application if it violates legal obligations that apply to you.

Third-party services

The Application integrates with third-party services that are essential to its operation. These services have their own privacy policies and terms that apply independently of these Terms:

Apple App Store / StoreKit / RevenueCat: distribution, payments, subscription management.
Cloudflare Workers: api.finyvo.com backend infrastructure.
exchangerate.host: exchange rate provider (via our backend).
Brandfetch: brand logo provider (via our backend).
OpenAI: language models for AI features (via our backend).
Google (Gemini): language models for narrative AI features (planned for future versions, via our backend).
NTFY: internal backend health notifications (does not expose user data).

The details of what data is exchanged with each provider are described in the Privacy Policy.

Governing law and dispute resolution

These Terms are governed by the laws of the Dominican Republic, in particular:

Ley No. 358-05 on the Protection of Consumer Rights.
Ley No. 172-13 on the Protection of Personal Data.
The other complementary laws of Dominican private law.

The foregoing applies without prejudice to the mandatory consumer protection rules of the User’s country of residence, which will prevail when they grant the consumer a higher level of protection.

In the spirit of Ley 358-05 on Consumer Protection, the parties agree to seek the resolution of any dispute in accordance with the following order:

Good-faith negotiation. Before initiating any proceeding, the User agrees to contact Finyvo by writing to [email protected], setting out the claim clearly. Finyvo will respond within a reasonable period, normally no longer than fifteen (15) business days.
Pro-Consumidor (consumers in the DR). Consumers residing in the Dominican Republic may, at any time, file their claim with the National Institute for the Protection of Consumer Rights (Pro-Consumidor) without first having to exhaust direct negotiation.
Courts. If no agreement is reached, disputes will be submitted to the jurisdiction of the competent courts of the Dominican Republic, except where the consumer protection legislation of the User’s country of residence grants specific jurisdiction to local courts.
No imposition of exclusive arbitration. In accordance with Ley 358-05, Finyvo does not impose mandatory arbitration as the exclusive means of resolution. The parties may voluntarily submit to arbitration by agreement reached after the dispute arises.

Modifications to the Terms

Finyvo may modify these Terms at any time to reflect changes in the Application, in applicable legislation, or in operating practices. When substantial modifications occur:

The updated version will be published on the website and within the Application.
The “Last updated” date at the top of the document will be updated.
When the changes affect essential rights of the User, notice will be given within the Application through a screen visible upon launch.

Continued use of the Application after the effective date of the changes implies acceptance of the new Terms. If you do not agree, you must stop using the Application and, optionally, delete it.

Termination

You may terminate this agreement at any time by uninstalling the Application from your device. If you have an active subscription, its management and cancellation are carried out exclusively through your Apple ID (see the next section).

Finyvo may terminate or suspend your access to the backend services if we determine, in our reasonable discretion, that you have materially breached these Terms or used the Application in a fraudulent or unlawful manner.

The clauses that by their nature must survive termination (intellectual property, limitation of liability, indemnification, governing law, dispute resolution) will continue in effect after termination.

General provisions

Entire agreement. These Terms, together with the Legal Notice, the Subscription Terms, the Privacy Policy, and the EULA, constitute the complete agreement between you and Finyvo, and prevail over any prior communication or agreement relating to the Application.
Severability. If any provision of these Terms is declared invalid or unenforceable by a competent court, the remainder of the document will continue in full force and effect.
No waiver. Finyvo’s failure to exercise any right contained in these Terms does not constitute a waiver of that right.
Assignment. You may not assign these Terms without Finyvo’s prior written authorization. Finyvo may assign them to a successor in interest (for example, in the event of a merger, acquisition, or corporate restructuring) by notifying Users.
Language. In the event of a discrepancy between the Spanish version and any translation, the Spanish version will prevail.

Subscription Terms: Finyvo Plus

This section is drafted in compliance with Guideline 3.1.2 of Apple’s App Store Review Guidelines regarding the disclosure of auto-renewable subscriptions.

Freemium model

Finyvo operates under a free (“Free”) model with a premium subscription tier called Finyvo Plus. Both tiers share the same Application codebase; Finyvo Plus removes the usage limits and unlocks additional features.

Free plan limits (Free)

The free plan includes:

2 active wallets at the same time.
3 active subscriptions at the same time.
1 active savings goal.
1 group + 2 custom categories.
5 custom tags.
50 AI requests per month.
Unlimited transactions.
More than 90 currencies with updated exchange rates.
Current-month reports and basic historical views.
No advertising.

Finyvo Plus benefits

The Finyvo Plus subscription unlocks:

Unlimited wallets.
Unlimited custom categories.
Unlimited active subscriptions.
Unlimited savings goals.
Unlimited tags.
AI with no monthly cap.
Full historical reports + PDF export.
Family Sharing: up to six members of your Apple Family Group can share the subscription.

Available products, pricing, and duration

Finyvo Plus is offered in two auto-renewable subscription plans:

Finyvo Plus Monthly: a one (1) calendar month period.
Finyvo Plus Annual: a twelve (12) calendar month period.

Exact prices are shown within the Application in the local currency of your App Store account, in accordance with the price published by Apple in each region. Apple determines the local-currency equivalent based on its standardized Pricing Matrix. Prices may vary between regions and may be modified with prior notice in accordance with App Store rules.

Automatic renewal

Your subscription will renew automatically at the end of each period (monthly or annual) at the same price and duration as the plan in effect, unless you cancel at least 24 hours before the end of the current period.
The charge will be applied to your Apple ID within the 24 hours prior to the expiration of the period.
Renewal will be at the price in effect at the time of renewal. If Apple notifies a price change, it will inform you and, in accordance with Apple’s terms, may require your explicit consent before applying the new price.

Management and cancellation

The management of your subscription is carried out exclusively through Apple, not within the Finyvo Application. To cancel, change plans, or view your subscription history:

Settings (iPhone) → [Your name] → Subscriptions → Finyvo Plus

From there you can cancel automatic renewal (you keep access until the end of the paid period), switch from a monthly to an annual plan or vice versa, or reactivate a canceled subscription.

Cancellation is effective at the end of the current period: there are no refunds for unused partial periods, except at Apple’s discretion.

Refunds

All refunds for Finyvo Plus subscriptions are processed by Apple, not by Finyvo. To request a refund, you must contact Apple directly:

https://reportaproblem.apple.com

Apple decides whether the refund is warranted in accordance with its policy. Finyvo has neither the technical nor the legal ability to process refunds for purchases made through the App Store and does not guarantee that Apple will grant the refund.

Trial periods and promotions

Finyvo may occasionally offer free trial periods or introductory pricing through the App Store introductory offers mechanism. When offered:

The specific conditions will be shown clearly before you confirm the subscription.
Any unused portion of a free trial period is forfeited when you start a paid subscription, in accordance with Apple’s policies.
Promotions may be subject to eligibility restrictions by user, device, Apple ID, or region, as defined by Apple.

Finyvo Plus subscriptions are compatible with Family Sharing. This means that, if you have a Family Group set up on your Apple ID account, the other members of the group (up to 6, including you) can access the Finyvo Plus features from their own devices and with their own instances of the Application, at no additional cost.

Each member of the group keeps their own data on their own device: financial data is not shared between members of the group.

Mirror of the subscription in the Subscriptions module

As a convenience for viewing your subscriptions in one place, Finyvo automatically creates an entry in your “Subscriptions” module reflecting your Finyvo Plus subscription (frequency, amount, next charge, Finyvo logo). This entry is purely visual and is synchronized with the actual status reported by RevenueCat / Apple; it does not generate additional charges and has no effect on billing, which remains managed exclusively by Apple.

Tier change (Free ↔ Plus)

If you are currently a Free user and purchase Finyvo Plus, premium access is activated immediately after the purchase is confirmed.
If you are a Plus user and let your subscription expire (or cancel it), you will automatically return to the Free plan at the end of the paid period. Your data is preserved in full, but certain features will be locked or limited in accordance with the Free limits.

Subscription verification

To validate the status of your subscription, Finyvo uses the RevenueCat SDK, a third-party platform that receives the Apple receipt and validates it against the App Store servers. RevenueCat:

Receives the encrypted receipt for your purchase and an anonymous identifier assigned by its SDK.
Does not receive your Apple ID, your name, or your email address.
Returns to the Application only the status of your entitlement (“premium” active or inactive) and the expiration date.

End User License Agreement (EULA)

The Finyvo Application is distributed exclusively through Apple’s App Store. Consequently, use of the Application is subject to the Apple Standard End User License Agreement (Apple’s standard EULA), except for those provisions that are modified or supplemented by these Terms.

Full text of Apple’s standard EULA: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

Summary of the EULA as applied to Finyvo

Without prejudice to the precedence of the full text published by Apple, the essential aspects relevant to the User are:

Acknowledgment. The license agreement is entered into between the User and Finyvo (Licensor), not with Apple. Apple is not responsible for the Application or its content.
Scope of the license. A personal, non-transferable, and limited license is granted to use the Application on any Apple product that the User owns or controls, in accordance with the App Store Usage Rules and, where applicable, via Family Sharing.
Maintenance and support services. Finyvo is responsible for support of the Application. Apple has no obligation to provide maintenance or support services. For support: [email protected].
Warranties. Finyvo is solely responsible for any express or implied warranty. If the Application fails to conform to an applicable warranty, the User may notify Apple, who will refund the purchase price (if any). To the extent permitted by law, Apple will have no other warranty obligation.
Product claims. Any claim relating to the Application, including product liability, compliance with legal requirements, infringement of consumer rights, or any other similar regulation, will be the responsibility of Finyvo, not Apple.
Intellectual property claims. In the event that a third party claims that the Application or the use of the Application infringes its intellectual property rights, Finyvo (not Apple) will be responsible for the investigation, defense, settlement, and discharge of the claim.
Legal compliance. The User represents that (a) they are not located in a country subject to a US government embargo or designated as a “terrorist supporting” country, and (b) they are not listed on any US list of restricted or prohibited parties.
Apple as third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of this agreement and, upon the User’s acceptance, will have the right to enforce the provisions of the EULA as a third-party beneficiary.

Contact

For any inquiry, claim, exercise of rights, or clarification:

Write to us at [email protected]. We will respond within a reasonable period, normally no longer than 15 business days for general inquiries and 30 calendar days for formal requests related to privacy.