Last Updated: October 19, 2025
PART I: General Terms — Both Website & App
PART II: Website-Specific Terms
PART III: Mobile App-Specific Terms
PART IV: Intellectual Property
PART V: Legal Protections
PART VI: General Provisions
PART VII: Contact & Notices
Appendix: Privacy & Data Processing Statement
By accessing, browsing, or using the Services (collectively the "Services") provided by FinFloe Inc. ("FinFloe," "We," "Us"), the User ("You," "Your") agrees to be legally bound by these Terms of Service ("Terms"). The Terms apply equally to the FinFloe website, the FinFloe mobile application, and all affiliated digital platforms. By confirming acceptance (including use of a checkbox), and by proceeding to use any Services, you represent that you are at least eighteen (18) years of age, possess full legal capacity to contract, and agree to these Terms and all supplemental policies, including our Privacy Policy.
Use of the Services constitutes a binding legal agreement between You and FinFloe regarding Your rights and obligations. If You do not agree to every provision in these Terms, You must not use or access the Services.
"Services": All functionality, content, software, data, features, APIs, and interfaces available via the FinFloe website, mobile application, and any affiliated platforms.
"User" / "You": Any person or entity accessing or using the Services.
"FinFloe" / "We" / "Us": Refers to FinFloe Inc., its affiliates, officers, directors, employees, agents, contractors, licensors, and suppliers.
"Content": All text, graphics, images, video, audio, data, code, designs, software, interfaces, scripts, and other information displayed or accessible via the Services.
"Website": The official FinFloe website (https://finfloe.com) and all subdomains.
"Application" / "App": The FinFloe mobile application distributed via Apple App Store, Google Play Store, or other approved platforms.
"Subscription": Paid access to Plus or Pro service tiers through the App.
"Third-Party Offers": Dynamic credit card or financial products or links displayed within the Services, offered by unaffiliated third parties.
"Affiliate Link": A means for FinFloe to earn commission compensation from recommended products or services.
To use the Services, You must:
By registering and using an account, You represent and warrant that You meet all eligibility requirements. FinFloe may immediately suspend, restrict, or terminate access if You violate these requirements.
FinFloe reserves the right, at our sole discretion, to revise, update, amend, or replace these Terms at any time. Notice of changes may be given by electronic means, including posting on the Services, email notification, or in-app communication. Amendments become effective immediately upon publication unless otherwise specified.
Your continued use of the Services after such changes constitutes acceptance. It is Your responsibility to review these Terms periodically. FinFloe also reserves the right to change the governing law and jurisdiction upon thirty (30) days' notice via email or in-app notification.
The FinFloe website ("Website") is provided solely for informational, educational and marketing purposes. No account creation capability exists for users on the Website. Use of bots, scraping tools, automated agents, or systematic data extraction is strictly prohibited. Any attempt to circumvent access restrictions, interfere with the Website's operation, or engage in unauthorized access will result in permanent suspension and may trigger legal action.
Acceptable use restrictions apply, including refraining from posting or transmitting any material that is unlawful, offensive, defamatory, infringing, or otherwise violates these Terms.
The Website may occasionally display, reference, or provide hyperlinks to financial products, services, or offers, through affiliate relationships ("Affiliate Links"). Clicking these Affiliate Links may result in FinFloe earning compensation, commissions, or fees, but will not incur additional cost or charge to You.
All affiliate offers are disclosed in accordance with applicable regulatory and industry standards, including FTC, ASC, and relevant Canadian law. Inclusion of Affiliate Links does not constitute endorsement or guarantee of products or services. You are responsible for independently evaluating any third-party product.
Registration of a user account ("Account") via the App requires You to provide truthful, complete, and accurate personal information. Only one account per individual is permitted. You agree to promptly update Your Account information to maintain accuracy.
You are solely responsible for the confidentiality of your credentials, including Account password and device access. FinFloe is not responsible for unauthorized access resulting from lost, stolen, or shared credentials.
FinFloe reserves the absolute right, in its sole discretion, to refuse service, terminate accounts, or suspend access for any reason, at any time, without prior notice. Grounds for termination include, but are not limited to: account duplication, suspected fraud, violation of these Terms, or abnormal usage patterns.
If your account is terminated, you may contact support@finfloe.com to request recovery or download of personal data, subject to compliance and document verification. FinFloe may retain certain records for regulatory reasons post-termination and will permanently delete data within a reasonable timeline, except where law or ongoing investigations require retention.
FinFloe offers subscriptions to Plus and Pro plans via the App:
Plus Plan: $9.99 CAD/month
Pro Plan: $14.99 CAD/month
Subscriptions are billed through Apple App Store or Google Play Store and managed via RevenueCat. Your subscription will auto-renew unless canceled at least 24 hours before the renewal date. Prices may be changed at FinFloe's sole discretion upon reasonable notice; new prices apply to subsequent billing periods.
If a free trial is offered, it will automatically convert to a paid subscription unless canceled prior to trial expiration. Cancellation or management of subscriptions must be performed through Apple/Google settings.
Failure to pay subscription fees may result in account suspension following a grace period of up to seven (7) days. No retroactive refunds are available for periods of service prior to cancellation.
You may upgrade or downgrade your subscription plan via App Store mechanisms. Downgrades take effect in the next billing cycle; upgrading is immediate, and any price difference is prorated.
All payments for subscriptions are processed solely by Apple or Google, not FinFloe. RevenueCat manages subscription status and entitlements. All fees, prices, and amounts are stated in Canadian dollars (CAD), exclusive of applicable taxes. Taxes may be calculated and added per Canadian and local jurisdictions.
You agree to comply with all applicable App Store billing procedures and payment terms. FinFloe does not collect or store your payment card or billing details.
All sales are final except to the extent required by applicable Apple or Google policies. Requests for refunds must be submitted through the appropriate app store channel. FinFloe does not directly process or approve refund requests and will defer to platform policies.
Transactions flagged as fraudulent or abusive, or accounts terminated for violation of these Terms, are strictly ineligible for any refund. Account termination by FinFloe for any reason automatically forfeits eligibility for refunds.
No refunds or credits will be provided for periods of suspension or interruption arising from user misconduct, improper use, or violation of these Terms.
All financial data entered into the App is provided solely by You, the User, on a manual basis. The App does NOT connect, integrate, or synchronize with bank accounts, financial institutions, or other external data providers.
FinFloe neither verifies, audits, nor guarantees the accuracy or reliability of any financial or transactional records input by Users. Full responsibility for the completeness, integrity, and correctness of all financial data rests exclusively with You.
You waive all claims against FinFloe for any financial harm, damages, losses, missed opportunities, or other effects arising from erroneous, incomplete, or outdated data entries, including, but not limited to, budget miscalculations, forecasting errors, or failure to track expenses.
Users with active Pro Plan subscriptions may access AI-powered features that generate financial insights, spending recommendations, analytics, and forecasts ("AI Features"). All outputs generated by AI Features are provided strictly for informational purposes, are not financial advice, and should not be relied upon for investment, tax, debt, or legal decisions.
Although FinFloe utilizes industry-standard techniques to anonymize and protect user data prior to AI processing, no guarantees of privacy, accuracy, or reliability are made. AI-generated content may contain errors, miscalculations, or misleading statements. Users agree to exercise independent judgment and consult qualified professionals before making financial decisions.
Opting out of AI Features is available by downgrading to the Plus Plan.
The App may present dynamic offers for credit cards, loans, or financial products ("Affiliate Offers"). These offers are provided for convenience and may generate commission for FinFloe. All such offers are subject to the third-party provider's own terms, conditions, and eligibility requirements.
FinFloe does not guarantee approval for products, endorse any third-party institution, or accept liability for rejection, adverse decisions, or damages arising from your application. You accept that applying for any Affiliate Offer is solely at your own risk.
You agree not to:
Detected prohibited activity may result in immediate suspension or permanent termination.
FinFloe reserves the exclusive right to suspend, restrict, or terminate any Account or Service access immediately, at any time, and for any reason, including breach of these Terms, actual or suspected fraud, abusive conduct, or displaying unusual usage patterns. No prior notice is required for termination. Upon termination, no refunds will be issued, and ongoing benefits are forfeited.
FinFloe may retain certain user data post-termination for compliance, legal, or audit purposes, in accordance with applicable laws. The timeline for deletion shall be communicated upon request.
The App is licensed to you, not sold, and subject to Apple App Store and Google Play Store terms. Apple and Google are designated as third-party beneficiaries and have the legal right to enforce these Terms with respect to the App. You must comply with all platform guidelines. Apple and Google disclaim all liability related to the App and its content.
All content, design, code, graphics, trademarks, logos, audio, video, and features appearing as part of the Services are the sole property of FinFloe Inc. or its licensors. Use of the Services confers only a limited, non-exclusive, revocable personal license to access and utilize the Services within the prescribed bounds of these Terms.
You may not copy, modify, reproduce, republish, upload, post, transmit, distribute, or create derivative works from the Services, except as expressly permitted by FinFloe in writing. User-generated content uploaded to the Services automatically grants FinFloe a worldwide, royalty-free, perpetual, irrevocable license to use, display, publish, adapt, or delete such content, in connection with the operation or promotion of the Services, subject to the provisions of the Privacy Policy.
"FinFloe," its logos, trade names, and all related marks are registered and unregistered trademarks of FinFloe Inc. Unauthorized use, reproduction, or imitation is strictly prohibited and may result in prosecution under applicable law.
FinFloe does not provide financial, investment, tax, or legal advice. The Services, including AI Features and recommendations, are furnished solely for informational purposes and should not be construed as professional guidance. FinFloe is not a financial advisor, planner, broker, or tax professional.
No warranties are made regarding the accuracy, completeness, reliability, merchantability, fitness for a particular purpose, or non-infringement of the Services. No guarantee is given regarding uptime, access continuity, error-free operation, or security.
Use of the Services, reliance on any AI Feature, or acting upon any recommendation is at your sole risk. The Services are provided "AS IS" and "AS AVAILABLE."
To the maximum extent allowed by law, FinFloe's aggregate liability to any User for any and all claims, damages, losses, or causes of action shall not exceed CAD $100.00 or, if greater, the total amount paid by the User in the twelve (12) months preceding the claim. This limitation shall apply to every legal theory, including contract, tort, negligence, strict liability, and statutory claims.
IN NO EVENT SHALL FINFLOE OR ITS AFFILIATES BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, FINANCIAL DECLINE, OR BUSINESS INTERRUPTION, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Decisions made using Services, financial losses from reliance on AI or recommendations, damages arising out of third-party services, or interruption of service shall be at your sole risk.
Some jurisdictions do not allow certain disclaimers or limitations; if prohibited by law, such disclaimers or limitations are modified to the minimum extent required.
You agree, to the fullest extent permitted by law, to defend, indemnify, and hold harmless FinFloe Inc., its officers, directors, employees, affiliates, successors, agents, and assigns from and against any and all claims, actions, demands, lawsuits, proceedings, damages, liabilities, costs, and expenses (including reasonable attorneys' fees), arising out of or related to:
Indemnification shall include payment of all litigation costs, damages awarded, settlements, regulatory fines, and FinFloe's reasonable legal expenses.
These Terms, and use of Services, are governed by the laws of the Province of Alberta and the federal laws of Canada.
Any dispute, claim, or controversy arising out of or relating to these Terms or use of the Services shall first be subject to good-faith informal negotiation for thirty (30) days. If unresolved, the parties agree to participate in mediation under the ADR Institute of Canada Rules.
If mediation fails, all claims shall be resolved by binding, individual arbitration in Calgary, Alberta, pursuant to the Alberta Arbitration Act. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding. Arbitration costs are split equally unless the arbitrator determines otherwise. Emergency relief or claims regarding intellectual property rights are exempt from arbitration and may proceed directly in court.
All disputes must be arbitrated or litigated on an individual basis—no class, collective, or representative actions permitted. You expressly waive your right to participate in or receive any relief from a class action or jury trial.
If arbitration is found unenforceable in your jurisdiction, all disputes shall instead be litigated exclusively in the courts of Alberta, Canada.
To the fullest extent permitted under applicable law, all disputes between You and FinFloe must be resolved on an individual basis. No class, representative, collective, or mass action or arbitration is permitted. You may opt out of this waiver by delivering written notice to legal@finfloe.com within thirty (30) days (Canada Eastern time) of first accepting these Terms.
FinFloe reserves the right, at its sole discretion, to change, amend, or replace the chosen governing law and jurisdiction for these Terms. In such event, thirty (30) days' notice of change will be provided via email or in-app notification. Continued use after the effective date constitutes acceptance of the change.
FinFloe shall not be liable for any delay, failure, or interruption in Service caused by events or circumstances beyond our reasonable control, including but not limited to: natural disasters, war, terrorism, acts of God, pandemics, labor disputes, government orders, supply shortages, or system infrastructure failures.
In the event of force majeure, FinFloe will endeavor to restore Services as soon as practicable and will notify affected users as appropriate.
These Terms, together with the Privacy Policy and any supplemental policies incorporated by reference, constitute the entire agreement between you and FinFloe. These Terms supersede all prior, contemporaneous, or inconsistent agreements, communications, representations, and understandings regarding the Services.
If any provision or part of these Terms is found by an arbitrator, court, or other authority to be invalid, unlawful, or unenforceable, the remaining provisions will remain in full effect. Invalid provisions shall be limited, defined, or replaced to preserve maximum permissible enforceability.
FinFloe's failure or delay to enforce any right, provision, or remedy in these Terms shall not constitute a waiver of future enforcement of that or any other provision. No waiver shall be valid except by written acknowledgment from FinFloe.
FinFloe may freely assign or transfer these Terms, and any associated rights or duties, in whole or in part, at any time, with or without notice. You may not assign, delegate, or transfer any rights or obligations under these Terms without prior written consent from FinFloe.
Except as expressly stated regarding Apple and Google, these Terms do not confer any rights, remedies, or benefits upon any third party. Apple and Google are explicitly acknowledged as third-party beneficiaries with their own terms and rights to enforce.
You provide consent to receiving all communications, notices, agreements, amendments, and disclosures electronically, whether via email, in-app notification, or posting on the Services.
All legally-required notices and disclosures will be deemed delivered and effective on the date transmitted or posted.
All provisions regarding limitation of liability, disclaimers, indemnification, dispute resolution, class action waiver, intellectual property, and termination rights will survive termination of your account or access to Services.
FinFloe Inc.
300 McNicoll Avenue, North York, Ontario M2H 2C7, Canada
Email: legal@finfloe.com
Email: support@finfloe.com
All legal notices, claims, or documents pertaining to these Terms must be sent to legal@finfloe.com. Notices are effective upon confirmed receipt by FinFloe and must include: User name, registered email, description of claim or inquiry, and supporting documentation if relevant.
By using the Services, You acknowledge that you have read, fully understand, and agree to be bound by all provisions of these Terms of Service, as well as any additional policies referenced herein. These Terms represent a legally binding contract between you and FinFloe Inc., enforceable to the fullest extent permitted by law.
FinFloe's separate Privacy Policy governs collection, processing, retention, and protection of personal information and data. Financial data is entered manually by users, stored securely and encrypted to industry standards. User data is anonymized for AI processing. FinFloe never shares, sells, or discloses personal information except as required by law or upon lawful regulatory request.
For full details, refer to our Website Privacy Policy or Mobile App Privacy Policy.
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