Legal
Terms of Use
These Terms of Use ("Terms") are an agreement between you and The Club Marketing and Consulting LLC ("MyFinly", "we", "us") covering the MyFinly mobile app and this website (together, the "Service"). By using the Service, you agree to these Terms and to our Privacy Policy.
1. Eligibility and your account
You must be at least 18 and able to form a binding contract. Keep your sign-in credentials secure; you're responsible for activity on your account. Tell us right away at myfinlyaimoneymanager@gmail.com if you suspect unauthorized use.
2. What MyFinly does — and doesn't do
- MyFinly helps you record, organize and understand your personal finances, including with an AI assistant.
- MyFinly is not a bank, broker or financial, tax or legal advisor. Information in the Service is for general informational purposes and isn't advice. Consider talking to a qualified professional before making financial decisions.
- MyFinly can't make payments, transfer money or cancel subscriptions for you.
- AI-generated content can be incomplete or wrong. Review recorded entries and answers, especially before relying on them. Estimates (like future charges) are estimates.
3. Subscriptions, free trials and billing
- Plans: MyFinly is offered as an automatically renewing subscription: $12.99 (USD) per month or $93.99 (USD) per year, plus any applicable taxes. The price shown in the App Store or Google Play before you buy is the price that applies.
- Purchase and billing: you subscribe through the App Store or Google Play, and Apple or Google charges your account under their terms. We don't process or store your payment details.
- Free trial: eligible new subscribers may get a 7-day free trial. Apple or Google decides who is eligible. When the trial ends, the paid subscription starts and you're charged automatically unless you cancel in time:
- App Store: cancel at least 24 hours before the trial ends.
- Google Play: cancel before the trial ends.
- Automatic renewal: your subscription renews at the end of each monthly or yearly period, at the then-current price, until you cancel:
- App Store: turn off automatic renewal at least 24 hours before the end of the current period. Apple may charge the renewal within the 24 hours before the period ends.
- Google Play: cancel before the renewal date. Google may place a temporary authorization hold on your payment method shortly before a renewal.
- Cancellation: cancel at any time in your App Store or Google Play account settings (see Support for the steps). Canceling stops future renewals; your access continues until the end of the period you've already paid for, as reported by the store. Deleting your MyFinly account or the App doesn't cancel your store subscription.
- Refunds: Apple or Google handles refund requests under their own policies.
- Price changes: if we change the price, Apple or Google will notify you as their rules require, and any consent they require will be requested before the new price applies.
4. Your content
You own the information you add to MyFinly (entries, messages, voice notes, photos). You give us permission to store, process and transmit it only as needed to provide and improve the Service as described in our Privacy Policy, including processing by our AI provider to generate answers.
5. Acceptable use
Don't misuse the Service. For example, don't:
- break the law or violate others' rights;
- upload content that isn't yours to share, or that is harmful or illegal;
- try to access other people's data, probe or disrupt our systems, or bypass limits or security measures;
- reverse engineer the Service, except where the law allows; or
- use the Service to build a competing product or to train AI models.
We may apply fair-use limits (for example, on messages, images and audio) to keep the Service reliable for everyone.
6. Third-party services
The Service relies on third parties such as Apple, Google, RevenueCat and OpenAI, and, once Bank Sync is activated, Plaid for bank connections. Their own terms may apply, and we aren't responsible for their services.
7. Our intellectual property
The Service, including the MyFinly name, logo, symbol and design, belongs to us or our licensors. We grant you a personal, non-transferable, revocable license to use the App for your own non-commercial purposes under these Terms.
8. Suspension and termination
You can stop using the Service and delete your account at any time (see Delete your account). We may suspend or terminate access if you violate these Terms or if needed to protect the Service or others. Sections that by their nature should survive will survive.
9. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT.
10. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, WE WON'T BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA OR SAVINGS. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM. SOME STATES DON'T ALLOW THESE LIMITS, SO THEY MAY NOT APPLY TO YOU.
11. Governing law and disputes
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules. Before filing a claim, please contact us at myfinlyaimoneymanager@gmail.comso we can try to resolve it informally. Any dispute that can't be resolved informally will be brought in the state or federal courts located in Florida, unless the law where you live gives you the right to bring it elsewhere.
12. Apple App Store terms
If you downloaded the App from the App Store, you acknowledge that these Terms are between you and us, not Apple; Apple isn't responsible for the App or its content, has no obligation to provide maintenance or support, and isn't responsible for product claims. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them. Your use must also comply with the App Store's Usage Rules.
13. Changes
We may update these Terms. We'll post changes here and update the date above; significant changes will be announced in the App.
14. Contact
The Club Marketing and Consulting LLC · myfinlyaimoneymanager@gmail.com