Terms of Service

1. Agreement

These Terms of Service (the “Terms”) are a binding agreement between you (and any organization you represent) and Fintra governing your use of the Service. If you use Fintra on behalf of an organization, you represent that you are authorized to accept these Terms for it. If you do not agree, do not use the Service.

2. Accounts

You must provide accurate information, keep your credentials secure, and are responsible for activity under your account. Tell us promptly at hello@fintrahub.com of any unauthorized use. You must be able to form a binding contract to use the Service.

3. Acceptable use

You agree not to:

• use the Service unlawfully, or to store or transmit unlawful, infringing, or harmful content;
• attempt to breach security, access another tenant’s data, or probe or disrupt the Service;
• reverse engineer or copy the Service except as permitted by law;
• use the Service to build a competing product, or resell it without authorization;
• submit data you do not have the right to provide, or misuse AI features to generate unlawful content.

4. Subscriptions, billing, auto-renewal & cancellation

Paid plans are billed in advance on a recurring basis (monthly or annually, as you select). By subscribing you authorize us and our payment processor to charge your payment method for each billing period.

Auto-renewal & reminders

Subscriptions renew automatically at the end of each term at the then-current rate, so you keep uninterrupted access, until you cancel. Before an annual term renews, we will send you a renewal reminder to the email on your account. If we materially change the price, we will give you advance notice, and the change takes effect on your next renewal.

How to cancel

You can cancel at any time, and canceling is as simple as signing up. Cancel directly from your billing settings in the app, or email hello@fintrahub.com and we will process it — we will not require a phone call or add extra steps to keep you subscribed. When you cancel, your plan stays active through the end of the current paid term and then does not renew.

Refunds

Except where required by law or expressly stated in an order, fees are non-refundable once a term begins; canceling stops future renewals rather than refunding the current term. Any refund we do offer is described at the point of purchase.

5. Beta and early-access features

Some features are labeled Beta or Early access. These are provided “as is,” may change or be withdrawn, and may be less reliable than generally available features. We describe the maturity of each capability honestly and do not represent an early-access feature as fully production-ready.

6. AI features

The Service includes AI-assisted features that generate drafts, suggestions, and analyses. AI outputs may be inaccurate or incomplete, are provided for your review, and are not professional accounting, tax, legal, or financial advice. Money-moving and other high-impact actions are draft-first and require human approval. You are responsible for reviewing AI outputs before relying on or acting on them. Our use of your data with AI is described in our Privacy Policy.

7. Your data & intellectual property

As between you and us, you retain all rights to the data you put into the Service. You grant us the rights needed to host and process that data to provide the Service. We retain all rights to the Service itself, including our software, models, and brand. Feedback you give us may be used to improve the Service.

8. Disclaimers

The Service is provided “as is” and “as available,” without warranties of any kind to the fullest extent permitted by law, including any implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted or error-free, or that AI outputs will be accurate.

9. Limitation of liability

To the fullest extent permitted by law, neither party will be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data; and our total liability arising out of or relating to the Service will not exceed the amounts you paid us for the Service in the twelve months before the event giving rise to the claim.

10. Termination

You may stop using the Service and cancel at any time. We may suspend or terminate access if you materially breach these Terms or to protect the Service or other users. On termination you may export your data for a reasonable period as described in our Privacy Policy.

11. Changes & contact

We may update these Terms; we will post the new version here and update the “Last updated” date, and provide additional notice of material changes where required. Continued use after changes take effect means you accept them. Questions: hello@fintrahub.com.