Terms & Conditions

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

Effective date: 23 October 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 is on https://finup.shyrokyi.com/privacy.

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, notes, and a history of snapshots.

F!nUp is a diagnostic and planning aid. It is 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
• if you send in-app feedback, Sentry receives the message and a screenshot of the current screen (see the Privacy Policy)
• the local database is encrypted at rest with a key in the operating system’s secure storage. There is no separate F!nUp database password. Restoring App files to a new phone without that key does not give a readable ledger — keep a CSV or .finup export if you need a copy you can import
• optional App Lock (Premium to turn on) uses Face ID, fingerprint, or the device PIN through the operating system. If Premium later lapses, an already-on lock stays on until you turn it off

You are responsible for protecting the device and any backup you export. A backup can contain your financial entries, tasks, notes, and related App data. A plain CSV export can be read by anyone who has the file. With Premium you may protect an export with a passphrase; the App does not store that passphrase, and a forgotten passphrase means the file cannot be imported. You can still import a protected file without Premium if you have the passphrase. Import replaces that data on that device, including notes (a file from an older App version without notes leaves the notes on the device unchanged). A wrong passphrase leaves the data on the device unchanged. App Lock is device-local and is not imported from the file.

Operating-system backups (iCloud, Google, a computer) may copy App data. That is outside our control. Copied Hive files without the matching OS key are not readable.

If you use Reset data or uninstall the App, local App data on that device is removed (OS backups may still exist) and App Lock is turned off. 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, public last prices from Binance Spot (USDT pairs treated as a USD bridge), and its own conversion and level rules, to show amounts in the currencies available in the App (including optional Premium fiat and crypto) and to compute snapshots.

Rates can be delayed, missing, or different from the rate you actually get at a bank, card, or exchange. 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 when setting a reminder, the App may schedule local reminders: a monthly check-in, and due-date reminders for open tasks, debts, and loans. There are no remote push messages from a F!nUp server. You can change or refuse notifications in the App or system settings; reminders will not fire until you enable them again. The rest of the App still works without them.

9. Third-party services and stores

The App may contact NBP and Binance for public rates and Sentry for crash and unexpected-error reports and for optional in-app feedback you send (a message and a screenshot of the current screen). The App may also contact the Apple App Store or Google Play Store to check whether a newer version is available and, when an update is required, prompt you to open the store listing. If you tap Rate Us, the App may ask Apple or Google to show their in-app review dialog. If you use Contact Developer, the App opens your device email app. Optional Premium purchases and restores go through Apple or Google billing and RevenueCat for entitlement checks. Your use of those services is subject to their own terms.

Google, Apple, and any app, file, email, or cloud service you use to store a CSV, send a loan reminder, or send a message 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 core App is free to use. Optional Premium is a paid auto-renewing subscription (monthly or yearly) sold through the Apple App Store or Google Play. Prices are shown in the App (and in the store) before you confirm. Payment, renewal, cancellation, and refunds are handled by Apple or Google under their store rules — not by a separate F!nUp account. You can restore a previous purchase with Restore purchases on the Premium screen. The store or your carrier may also charge for download or data.

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, Binance, Sentry, 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