Terms & Conditions

F!nUp (“F!nUp”, “the App”, “we”, “us”)

Effective date: 19 September 2026

These Terms & Conditions (“Terms”) govern your use of the F!nUp mobile application. By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

Our Privacy Policy explains how information is handled. The current text lives in docs/privacy-policy.md and on https://shyrokyi.com.

1. Who we are

The operator of F!nUp is Oleksandr Shyrokyi, Ukraine.

Contact: shyrokyi.oleksandr@gmail.com
Website: https://shyrokyi.com

2. What F!nUp is

F!nUp is a personal-finance companion. You enter key figures about your finances. The App builds a financial snapshot, assigns a Financial Level (from danger through freedom), shows which criteria you meet, suggests a next action, and can remind you to check in monthly. You can also keep accounts, income and expense sources, debts, loans, tasks, and a history of snapshots.

F!nUp is a diagnostic and planning aid. It is not an expense tracker for every transaction and not a substitute for a notebook, accountant, or professional adviser.

3. What F!nUp is not

F!nUp is not:

• a bank, payment institution, e-money, or money-transfer service
• a broker, investment firm, or portfolio manager
• tax, legal, accounting, or licensed financial advice
• a credit, loan, or insurance product
• a guarantee that you will reach any Financial Level or financial result

Levels, criteria, next actions, and suggested tasks are informational. They depend on the numbers you enter and on simplified rules in the App. They may not fit your situation. Decisions about spending, debt, work, or investing remain yours. If you need advice, consult a qualified professional.

4. Eligibility

The App is intended for adults who manage their own finances. You must be old enough to form a binding contract in your country and must not use the App if applicable law forbids it.

You are responsible for any names or comments you store about other people (for example creditors or debtors).

5. License

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, for your own non-commercial use, in line with these Terms and the rules of the app store you used (Google Play or Apple App Store).

You may not copy, modify, reverse engineer, or redistribute the App except as allowed by law, or use it to build a competing product. All rights not granted stay with us.

6. Your data and your responsibility

You enter your own figures. The App’s results are only as useful as those figures. Keep them reasonably accurate and up to date if you rely on a snapshot or level.

In the current version:

• you do not create a F!nUp account
• your entries are stored on the device
• we do not keep a copy of your finances on a F!nUp server
• the local database is not protected by a separate App password — use your device lock

You are responsible for protecting the device and any CSV backup you export. A backup can contain all of your App data. Anyone who has the file can read it. Import replaces data on that device.

Operating-system backups (iCloud, Google, a computer) may copy App data. That is outside our control.

If you use Reset data or uninstall the App, local App data on that device is removed (OS backups may still exist). We cannot restore data that exists only on your phone.

Details are in the Privacy Policy.

7. Exchange rates and calculations

The App may use public mid-market rates from the National Bank of Poland (NBP) Table A, and its own conversion and level rules, to show amounts in USD, EUR, UAH, or PLN and to compute snapshots.

Rates can be delayed, missing, or different from the rate you actually get at a bank or card. Calculations can be rounded or simplified. Do not treat in-App totals, months of cash, or levels as certified accounting.

8. Notifications

If you allow it, the App may schedule a local monthly check-in reminder. There are no remote push messages from a F!nUp server. You can change or refuse notifications in the App or system settings. The rest of the App still works without them.

9. Third-party services and stores

The App may contact NBP only for public rates. Your use of NBP is subject to NBP’s own terms.

Google, Apple, and any app, file, or cloud service you use to store a CSV are their products, not ours. Their terms and privacy rules apply. We are not responsible for those services.

If you downloaded the App from Google Play or the App Store, that store’s terms also apply. In a conflict about payment or the store’s role, the store’s terms control that part.

10. Fees

The current version of F!nUp does not charge in-App prices or subscriptions. The store or your carrier may still charge for download or data. If we later add paid features, we will describe the price and terms before you pay.

11. Acceptable use

You agree not to:

• use the App in a way that breaks the law
• attempt to disrupt or misuse the App
• upload or import files you have no right to use
• use the App to store information you are not allowed to keep

12. Intellectual property

The App, name F!nUp / f!nup, logos, text, graphics, and the Financial Level presentation in the App are owned by us or our licensors. These Terms do not transfer ownership to you. You keep ownership of the financial information you enter.

13. Availability and changes

We may update, limit, or discontinue the App or any feature, including how levels or tasks are calculated. We may change these Terms. The new Terms apply when we publish them (and update the effective date). If you continue to use the App after that, you accept the new Terms. If you do not agree, stop using the App and uninstall it.

We do not promise that the App will be error-free, uninterrupted, or available on every device or OS version.

14. Disclaimer of warranties

The App is provided “as is” and “as available”, to the maximum extent permitted by law. We disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in the App is a promise of profit, solvency, or any financial outcome.

15. Limitation of liability

To the maximum extent permitted by law, we are not liable for:

• loss of data, including if the device fails, you forget to export, or an import overwrites data
• decisions you make based on a snapshot, level, task, or reminder
• inaccurate or outdated rates or calculations
• acts of NBP, Google, Apple, or other third parties
• indirect, incidental, special, or consequential loss, or loss of profit

Our total liability for claims arising out of the App or these Terms is limited to the amount you paid us for the App in the 12 months before the claim (currently zero, if the App is free).

This does not exclude liability that cannot be excluded under applicable law (for example, for willful misconduct where the law requires).

16. Termination

You may stop using the App at any time and uninstall it.

We may terminate or suspend the license if you materially breach these Terms. Sections that by nature should survive (including 3, 6, 12, 14, 15, 17) survive termination.

17. Governing law

These Terms are governed by the laws of Ukraine, without regard to conflict-of-law rules. Courts of Ukraine have jurisdiction, except where consumer-protection law in your country gives you a mandatory right to sue elsewhere.

18. Contact

Questions about these Terms: shyrokyi.oleksandr@gmail.com