Terms & Conditions
Finovra — Personal Finance Tracker
Effective March 15, 2026
1. Acceptance of Terms
By downloading, installing, accessing, or using the Finovra mobile application (“Finovra,” “the App”), you (“the User,” “you,” or “your”) agree to be bound by these Terms & Conditions (“Terms”). These Terms constitute a legally binding agreement between you and Vipul Chauhan (“the Developer,” “I,” “me,” or “my”), an individual indie developer.
If you do not agree to these Terms, do not download, install, or use the App. Your continued use of the App following any changes to these Terms constitutes acceptance of those changes.
2. Description of the Service
Finovra is a personal finance tracking application for Apple's iOS platform (iPhone and iPad, iOS 17 and later). The App helps users manage their income, expenses, budgets, and financial insights.
The App operates entirely offline. All data is stored locally on your device. There are no servers, no cloud backend, no user accounts, and no data collection by the Developer. Key features include transaction tracking, budget management, recurring transactions, financial insights and analytics, custom categories, data export (encrypted backup, CSV, and PDF), data import and restore, optional biometric or passcode app lock, multi-language support, and customization options.
3. Eligibility
You must be at least the following minimum age to use the App, depending on your jurisdiction:
- United States: 13 years of age (per COPPA).
- European Union / European Economic Area: 16 years of age (per GDPR), or the applicable minimum age set by your EU member state.
- United Kingdom: 13 years of age.
- All other jurisdictions: The minimum age required to enter into a binding legal agreement in your jurisdiction, or 13 years of age, whichever is greater.
By using the App, you represent and warrant that you meet the applicable minimum age requirement.
4. User Accounts
Finovra does not have user accounts, login functionality, registration, or any form of authentication with the Developer's systems. The App is fully anonymous and does not require or collect email addresses, usernames, passwords, or any account credentials. The optional app lock feature (biometric or device passcode) is a local device-level security measure, not an account system.
5. Subscription Terms
5.1. Free Tier
Finovra offers a free tier that includes all core features: full transaction tracking (unlimited transactions), budget management, basic financial insights, up to 5 custom categories, up to 2 recurring transaction rules, all data export, backup, and restore features, app lock, all themes, and 2 accent colors (blue and purple).
5.2. Finovra Pro (Paid Subscription)
Finovra Pro is an optional subscription that unlocks advanced features, including: advanced analytics (daily spending heatmap, category comparison, forecasting, smart insights), unlimited custom categories, unlimited recurring transaction rules, and premium accent colors (green, orange, pink).
5.3. Subscription Plans
The App may offer optional premium subscription plans ("Finovra Pro") which may include:
- Monthly Subscription — billed monthly.
- Annual Subscription — billed annually.
Pricing, free trial availability, and subscription details are displayed in the App at the time of purchase and may vary by region.
Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. Users can manage or cancel their subscriptions through their Apple ID account settings.
5.4. Payment Processing
All payment processing is handled exclusively by Apple through its StoreKit 2 framework and the Apple App Store. The Developer never collects, processes, views, or stores any payment information, including credit card numbers, billing addresses, or Apple ID details. Subscription pricing is set by the Developer in App Store Connect and may vary by region based on Apple's pricing tiers.
5.5. Auto-Renewal
Subscriptions automatically renew unless you cancel at least 24 hours before the end of the current billing period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period at the same subscription price. You can manage and cancel subscriptions at any time in your Apple ID account settings (Settings → Apple ID → Subscriptions).
5.6. Free Trials
Free trial periods may be offered at the Developer's discretion via Apple's introductory offer mechanism. Any unused portion of a free trial period is forfeited if you purchase a subscription before the trial expires.
5.7. Cancellation
You may cancel your subscription at any time through your Apple ID account settings. Cancellation takes effect at the end of the current billing period — you will retain access to Finovra Pro features until then. Cancellation does not entitle you to a refund of the current billing period.
5.8. Refunds
Refunds are handled exclusively by Apple in accordance with Apple's refund policies. The Developer does not process refunds directly. To request a refund, visit reportaproblem.apple.com.
5.9. Price Changes
The Developer may change subscription pricing at any time. Price changes are communicated through the App Store. Apple will notify you of any price increase before your next billing cycle in accordance with Apple's policies. If you do not agree to a price change, you may cancel your subscription before it renews at the new price.
6. User Responsibilities
6.1. Accuracy of Data
You are solely responsible for the accuracy, completeness, and appropriateness of the financial data you enter into the App. The Developer does not verify, validate, or audit any information you enter.
6.2. Data Backup
You are solely responsible for backing up your data. The App provides export and backup features for this purpose. The Developer strongly recommends that you create regular backups of your data using the App's encrypted backup feature. The Developer is not liable for any data loss, whether caused by device failure, accidental deletion, software issues, or any other reason.
6.3. Data Export
When you export data from the App (via encrypted backup, CSV, or PDF), the exported file leaves the App's sandbox. You are responsible for the security and handling of exported files. The Developer has no control over or liability for data once it is exported from the App.
6.4. Device Security
You are responsible for maintaining the security of your device, including keeping your operating system up to date, using a device passcode, and safeguarding physical access to your device. The App's local-only architecture means that the security of your financial data depends on the security of your device.
7. Intellectual Property
7.1. Developer's Intellectual Property
The Finovra name, logo, visual design, user interface, and all associated intellectual property are the property of Vipul Chauhan. All rights not expressly granted in these Terms are reserved.
7.2. Your Data
You retain full and exclusive ownership of all financial data you enter into the App. The Developer makes no claim of ownership over your data. You may export, delete, or otherwise manage your data at any time using the App's built-in features.
7.3. Apple Frameworks
The App is built exclusively with Apple's first-party frameworks. Apple's frameworks, trademarks, and intellectual property remain the property of Apple Inc.
8. Financial Disclaimer
Finovra is a personal finance tracking tool only. The App is not a financial advisor, bank, investment platform, payment processor, tax preparation service, or accounting system.
The App does not provide financial, tax, investment, legal, or accounting advice of any kind. The insights, charts, forecasts, and analytics provided by the App are based solely on data you enter and are intended for informational and personal organizational purposes only. They should not be relied upon as the basis for any financial decisions.
You should consult qualified financial, tax, legal, or accounting professionals before making any financial decisions. The Developer is not responsible or liable for any financial decisions you make, or any financial outcomes that result from your use of the App or reliance on information displayed within the App.
9. Data and Privacy
Your privacy is a core design principle of Finovra. Please refer to the Finovra Privacy Policy for full details on how information is handled.
10. Acceptable Use
You agree not to:
- Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent that such activity is expressly permitted by applicable law notwithstanding this limitation.
- Modify, adapt, translate, or create derivative works based on the App.
- Distribute, sublicense, lease, rent, loan, or otherwise transfer the App or your license to use it to any third party, except as permitted by Apple's App Store terms.
- Use the App for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation.
- Remove, alter, or obscure any proprietary notices, labels, or markings on the App.
11. 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 APPLICABLE LAW, THE DEVELOPER DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
THE DEVELOPER DOES NOT WARRANT THAT: THE APP WILL MEET YOUR SPECIFIC REQUIREMENTS; THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THE RESULTS OR DATA OBTAINED FROM USE OF THE APP WILL BE ACCURATE, RELIABLE, OR COMPLETE; ANY ERRORS IN THE APP WILL BE CORRECTED.
YOU ACKNOWLEDGE THAT THE DEVELOPER IS AN INDIVIDUAL INDIE DEVELOPER AND NOT A CORPORATION. THE APP IS DEVELOPED AND MAINTAINED BY A SINGLE INDIVIDUAL. NO CORPORATE-LEVEL SERVICE GUARANTEES, SERVICE LEVEL AGREEMENTS, OR UPTIME GUARANTEES ARE PROVIDED OR IMPLIED.
Any reliance you place on the App or information generated by the App is strictly at your own risk.
12. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE DEVELOPER BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF REVENUE, LOSS OF BUSINESS OPPORTUNITY, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH: YOUR USE OF OR INABILITY TO USE THE APP; ANY DATA YOU ENTER INTO, EXPORT FROM, OR LOSE FROM THE APP; ANY FINANCIAL DECISIONS MADE BASED ON INFORMATION PROVIDED BY THE APP; UNAUTHORIZED ACCESS TO YOUR DEVICE OR YOUR DATA; ANY ERRORS, BUGS, OR INACCURACIES IN THE APP; ANY INTERRUPTION OR CESSATION OF THE APP; ANY OTHER MATTER RELATING TO THE APP.
THE DEVELOPER'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU HAVE ACTUALLY PAID TO THE DEVELOPER (THROUGH APPLE) FOR THE APP OR SUBSCRIPTION IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) FIFTY UNITED STATES DOLLARS (USD $50.00).
13. Indemnification
To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless Vipul Chauhan from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: your use of or misuse of the App; your violation of these Terms; your violation of any applicable law or regulation; any financial data you enter into, export from, or share from the App.
14. Termination
You may stop using the App at any time. You may delete the App from your device, which will remove all associated data.
The Developer reserves the right to discontinue, suspend, or modify the App at any time, with or without notice, for any reason.
15. Governing Law and Dispute Resolution
15.1. Governing Law
These Terms are governed by the laws applicable in the jurisdiction where the Developer resides (India), without regard to conflict of law principles.
15.2. Dispute Resolution
Informal Resolution: Before initiating any formal dispute resolution, you agree to contact the Developer at hello@finovra.app and attempt to resolve the dispute informally for a period of at least thirty (30) days.
16. Severability
If any provision of these Terms is found to be invalid, unlawful, or unenforceable, that provision shall be modified or severed from these Terms. The remaining provisions shall continue in full force and effect.
17. Entire Agreement
These Terms, together with the Finovra Privacy Policy, constitute the entire agreement between you and the Developer regarding your use of the App.
18. Changes to These Terms
The Developer may update these Terms from time to time. Changes will be communicated through App Store release notes or the finovra.app website.
19. Apple-Specific Terms
You acknowledge that these Terms are between you and Vipul Chauhan only, and not with Apple Inc. Apple has no obligation whatsoever to provide any maintenance or support services with respect to the App.
20. Open Source
Finovra does not incorporate any open-source software components or third-party libraries. Every framework used in the App is an Apple first-party framework.
21. Contact Information
If you have questions, concerns, or requests regarding these Terms, please contact:hello@finovra.app