Finotop

Legal

Terms of Service

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1. About these terms

These terms apply to your use of finotop.com and the Finotop app at app.finotop.com (together, the “service”), provided by Finotop (“we”, “us”). By creating an account or using the service, you agree to these terms and to our Privacy Policy. If you do not agree, please do not use the service.

2. What Finotop is

Finotop is a personal finance organiser. It lets you record your accounts, cards, loans, insurance and investments, keep related documents in one place, see your net worth, and get reminders before payments you have entered are due.

Everything in Finotop is information you enter yourself. Finotop does not connect to your bank, card or investment accounts, and it does not hold, move or pay money on your behalf.

3. Finotop does not give financial advice

Finotop is not a bank, lender, broker or investment adviser. Nothing in the service is financial, investment, tax or legal advice, or a recommendation to buy, sell or hold any product. Figures such as totals and net worth are calculated from what you entered and are only as accurate as that information. For decisions about your money, please consult a qualified professional.

4. Your account

  • You must be at least 18 years old to use Finotop.
  • Your account is for your own use. Do not share it or create accounts for other people without their permission.
  • Give accurate information when you sign up, and keep your email address up to date so that you receive important messages.
  • Keep your password secure. You are responsible for what happens in your account. If you think someone else has access to it, change your password and contact us straight away.

5. Your information and documents

The information and documents you add to Finotop remain yours. You give us permission to store, process and display them only as needed to provide the service to you, as described in our Privacy Policy. We do not sell your information or use it for advertising.

You are responsible for what you upload. Only upload documents you are entitled to keep, and do not store card numbers, CVVs, bank passwords, UPI PINs or one-time passwords in Finotop. Finotop never needs them, and we will never ask you for them.

6. Reminders and notifications

Reminders are there to help you stay organised. They are sent for the dates and details you enter, so please check that they are correct.

We work to send every reminder on time, but delivery by email or WhatsApp depends on providers and networks outside our control, and a reminder can occasionally arrive late or not at all. You remain responsible for making your payments on time, and Finotop is not responsible for late fees, interest or other charges if a reminder is delayed or missed.

WhatsApp reminders are optional. They are only sent to a number you have verified, and you can turn them off at any time in settings. When you use WhatsApp, WhatsApp’s own terms also apply.

7. Plans and payments

Finotop has a Free plan and paid plans such as Finotop Plus. Current features and prices are shown on our pricing page.

  • Prepaid, not automatically renewed. A paid plan is bought for one month or one year at a time, paid in advance. It does not renew on its own: when the period ends you move to the Free plan unless you buy another period. Prices include any applicable taxes unless shown otherwise.
  • What you get is fixed when you pay. The features and limits shown when you buy apply for the whole period you paid for, even if we change the plan or its price afterwards.
  • Buying again extends your plan. If you buy the same plan before your current period ends, the new period starts when the current one ends, so you never lose days you paid for.
  • Payments are processed by our payment partner, Cashfree Payments. You enter your card, UPI or bank details on Cashfree’s page; Finotop never receives them.
  • Refunds are covered by our cancellation and refund policy. In short, we do not refund a period once it has started, except where you were charged in error or the law requires it.
  • On the Free plan your information stays in your account. Features that are only in paid plans, such as WhatsApp reminders, stop until you buy a plan again.
  • Price changes apply to purchases made after the change. They never change a period you have already paid for.

8. Acceptable use

You agree not to:

  • use Finotop for anything unlawful or fraudulent, or to store information about other people without their permission;
  • upload malware or content you have no right to store;
  • try to access another person’s account or data, or any part of the service you are not authorised to use;
  • probe, test, overload or disrupt the service or its security, or get around any limits we put in place;
  • copy, scrape, resell or reverse-engineer the service, except where the law allows it.

9. Changes to the service

We are always improving Finotop, so features may be added, changed or removed. If we remove a feature you pay for, or make a change that significantly affects you, we will tell you in advance. We aim to keep the service available at all times but cannot guarantee it will be uninterrupted; we will try to schedule maintenance for quiet hours.

10. Our responsibility to you

We provide Finotop with reasonable care and skill. Beyond that, and to the extent the law allows, the service is provided “as is”, and we are not responsible for:

  • decisions you make based on information in Finotop;
  • errors in information you entered;
  • late payment fees, interest or other charges; or
  • indirect or consequential loss, such as loss of profit or opportunity.

To the extent the law allows, our total liability to you for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim arose. Nothing in these terms limits any liability that cannot be limited under Indian law, or your rights as a consumer.

11. Closing your account

You can stop using Finotop at any time. You can close your account in the app under Settings → Data → Close account: this ends your access and stops all reminders, and keeps your information so that the account can be reopened by contacting us. If you would rather have your information permanently erased, email us at the address below, as described in our Privacy Policy. Please download any documents you want to keep first.

We may suspend or close an account that breaks these terms or puts other users or the service at risk. Unless it would be unlawful or unsafe, we will tell you why and give you a chance to respond, and to download your information, first.

12. Changes to these terms

We may update these terms. We will update the date at the top of this page, and if a change significantly affects you, we will tell you by email or in the app before it takes effect. If you continue to use Finotop after that, the updated terms apply.

13. Governing law and disputes

These terms are governed by the laws of India. If you have a concern, please contact us first; most issues can be resolved quickly. Any dispute that cannot be resolved will be subject to the jurisdiction of the courts at Jammu, Jammu and Kashmir, without affecting any right you have to bring a consumer complaint where you live.

14. Contact

For questions about these terms, email privacy@finotop.com. For privacy questions and grievances, see section 13 of our Privacy Policy.