Terms of Service

1. Acceptance

By creating an account or using FinanceFlow you accept these terms and the Privacy Policy. The service is provided by Dinis Miguel da Silva Costa, tax ID (NIF): 176280340, contact dinismiguelcosta@gmail.com.

2. The service

FinanceFlow is a personal-finance app (transaction tracking, budgets, statistics, forecasts and investment records), available on the web and on Android.

3. Your account

You are responsible for keeping your password and authenticator safe and for all activity on your account. We recommend enabling two-factor authentication and saving your recovery codes. Tell us immediately if you suspect unauthorised access.

You must provide accurate information and have the legal capacity to enter into this contract.

4. Plans and payments

There is a Free plan with limits and paid plans (Pro and Premium) with more features, at the price shown in the app when you subscribe. On the website, payments are processed by EasyPay; in the Android app, by Google Play. The plan belongs to your account and works on both versions.

Card and direct debit: subscription that renews automatically until you cancel it (Settings → Subscription); you keep access until the end of the period already paid.

MB WAY and Multibanco: a one-off payment for a fixed period (1, 3, 6 or 12 months), with no automatic renewal; access ends at the end of the paid period unless you pay again. An unpaid reference does not grant access to the plan.

Google Play (Android app): charging, automatic renewal and cancellation are handled by Google Play, under Google's terms; a one-off payment for a fixed period is also available. A plan bought on Google Play is managed on Google Play, and a plan bought on the website is managed on the website; you cannot have both active at the same time.

Right of withdrawal and refunds: if you are a consumer, you may withdraw from the contract within 14 days of its conclusion, without giving any reason, by contacting us at dinismiguelcosta@gmail.com. We do not deduct any amount for the service already used during that period: we refund the full amount paid, within 14 days of learning of your decision, using the same payment method as the purchase where possible. In exchange for the full refund, your account is deleted and you cannot create a new account with the same email for the following 6 months; this block only applies to this case, not to account deletion in other circumstances (see section 8). If the service does not work as agreed, you are entitled to have it brought into conformity and, where that is impossible or disproportionate, to a price reduction or to terminate the contract with a refund, as provided by law.

5. AI-generated content and financial information

Statistics insights, investment tips, forecasts, the suggested budget and automatic document reading are produced by automated systems, are for information and education only and may contain errors.

Nothing in the app is financial, investment, tax or legal advice, or a personal recommendation to buy or sell any financial product. Decisions and risks are yours. Always review data extracted from a document before saving it.

6. Acceptable use

You may not use the service for unlawful purposes, try to access other people’s accounts or data, bypass limits or security measures, overload the service or reverse engineer it beyond what the law allows.

7. Availability and limitation of liability

We work to keep the service available, but the app is provided "as is" and "as available", without express or implied warranties, including as to data accuracy, uninterrupted operation, freedom from errors, fitness for a particular purpose or non-infringement of third-party rights.

We do not guarantee that the analyses, forecasts, statistics interpretations or income/expense categorisations generated by the app are error-free. The app is a tool to support your personal financial organisation and is not professional financial, tax, legal or investment advice (see also section 5). Any financial decision made based on the app's information is entirely your responsibility.

Under Portuguese Decree-Law 446/85 (general contract terms) and the Portuguese Civil Code, our civil liability for damage caused to you is limited to cases of wilful misconduct or gross negligence.

Except where applicable law does not allow it, we are not liable for: indirect, incidental, punitive or consequential damages; loss of profits, revenue, data or business opportunities; or damage arising from network failures, service interruptions, or unauthorised third-party access resulting from your own negligence in safeguarding your credentials.

To the maximum extent permitted by Portuguese law, our total accumulated liability for any claim arising from your use of the app is limited to the total subscription fees you actually paid in the 12 months immediately preceding the event giving rise to liability. If you were on the Free plan, or on a free trial period, at the time of the event, our maximum liability is limited to €50. Nothing in this clause limits any right Portuguese law grants you on a mandatory basis, in particular those in section 4 (right of withdrawal and conformity of the service).

8. Cancellation and account closure

You can cancel your subscription and delete your account at any time in Settings; deletion erases your data (see the Privacy Policy) and does not prevent creating a new account. The only exception is deletion resulting from exercising the right of withdrawal (section 4), which carries a 6-month block. We may suspend accounts that breach these terms or are used abusively.

9. Changes, governing law and disputes

We may change these terms and will tell you in the app before material changes take effect. Governing law: these terms and any dispute arising from the use of the app are governed by Portuguese law; if you are a consumer resident in another EU Member State, this choice does not remove the protection of the mandatory rules of your country of residence. Jurisdiction: in case of court proceedings, as a consumer you may bring the action before the Portuguese courts or before the courts of the EU Member State where you live.

Alternative dispute resolution: under Portuguese Law 144/2015, in a consumer dispute we cannot resolve directly with you, you may turn to the Lisbon Consumer Conflict Arbitration Centre (Centro de Arbitragem de Conflitos de Consumo de Lisboa, CACCL) — Rua dos Douradores, n.º 112, 2.º, 1100-207 Lisbon, Portugal; email juridico@centroarbitragemlisboa.pt; phone (+351) 218 80 70 30; www.centroarbitragemlisboa.pt — or the arbitration centre for your area of residence.

Electronic Complaints Book: as required by Portuguese law, we provide an Electronic Complaints Book, accessible from the link in the footer of the sign-in page.

Last updated: 2026-10-09.