Please read these Terms of Service carefully before using FinFlow. By accessing or using our service, you agree to be bound by these terms.

Acceptance of Terms & Consent

By creating an account or using FinFlow, you agree to be bound by these Terms of Service.

Unbundled Privacy Consent: Processing of your personal data (such as transaction logs, receipt scans, and voice inputs) is governed separately by our Privacy Policy. Your agreement to these Terms of Service does not automatically imply consent for data processing; explicit, affirmative consent for personal data collection is obtained separately during onboarding or feature usage.

Age Requirement & Protection of Minors

You must be at least 18 years of age to register for and use FinFlow. In compliance with Section 9 of the DPDP Act, 2023, FinFlow does not knowingly collect, process, or track personal data belonging to children (individuals under 18 years of age) or persons with disability under guardianship without verifiable parental or legal guardian consent.

If we learn that we have inadvertently collected data from a child under 18 without verified parental consent, we will permanently delete that data immediately.

Description of Service

FinFlow provides tools for personal financial tracking and management, including transaction recording, budget monitoring, automated monthly reports, receipt scanning, voice-based input, and AI-powered financial insights. The service is accessible via our web application at app.sadabmunshi.me, with optional integration through WhatsApp and Telegram bots.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately of any unauthorised access or use.

We reserve the right to modify, suspend, or discontinue any part of the service at any time. We will make reasonable efforts to notify you of significant changes that may affect your use of the platform.

AI Features & Third-Party Processors

FinFlow utilizes third-party AI technologies (acting as Data Processors under the DPDP Act) for automated receipt scanning, voice transcription, and financial insights.

AI features process data strictly to fulfill user requests and under contractually binding confidentiality agreements.
AI processing outputs are provided for informational tracking only and do not constitute certified financial advice.

While we strive for accuracy, AI-generated content may contain errors. You are solely responsible for reviewing and verifying all AI-generated information before relying on it.

Your Data & Ownership

You retain full ownership of all data you enter into FinFlow. We do not claim any ownership rights over your financial information. FinFlow acts as a Data Fiduciary under the DPDP Act, 2023, and processes your personal data as a Data Principal only for the purposes described in our Privacy Policy.

You are responsible for the accuracy and completeness of the data you provide. FinFlow relies on the information you enter to generate insights, reports, and alerts — accurate input is essential for meaningful output.

We encourage you to regularly export your data using the built-in export features. While we implement robust safeguards, maintaining your own backups of important financial records is always recommended.

Prohibited Use

You agree not to use FinFlow for any unlawful purpose or in any way that could damage, disable, or overburden the service. Specifically, you may not:

Use the service for any illegal activities or to facilitate illegal transactions
Attempt to gain unauthorised access to any part of the service or its systems
Interfere with or disrupt the integrity or performance of the platform
Reverse-engineer, decompile, or attempt to extract the source code of our software
Use automated systems or bots to scrape data from FinFlow without express permission
Upload or transmit any viruses, malware, or other harmful code
Impersonate another person or misrepresent your affiliation with any entity

Account Termination

You may terminate your account at any time by navigating to Settings and selecting Delete Account. Upon deletion, all your data is permanently removed from our systems and cannot be recovered. We reserve the right to suspend or terminate your account if you violate these Terms of Service or engage in fraudulent or harmful activities.

Changes to These Terms

We may update these Terms of Service from time to time. When we make significant changes, we will notify you through the app or by email. Your continued use of FinFlow after the updated terms take effect constitutes your acceptance. If you do not agree with the revised terms, you should discontinue use of the service.

Disclaimer & Limitation of Liability

FinFlow is provided on an “as-is” and “as-available” basis without warranties of any kind, whether express or implied. We do not guarantee that the service will be error-free, uninterrupted, or free from security vulnerabilities. To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of FinFlow, including but not limited to loss of profits, data, or other intangible losses.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts in India.

Contact

If you have any questions about these Terms of Service, please contact us at contact@sadabmunshi.me.