Terms of Service

By accessing or using Finbot, you agree to be bound by these Terms of Service. If you do not agree to all of these terms, do not use the service.

These terms constitute a legally binding agreement between you and Finbot, effective from the date you first use the service.

Finbot is a WhatsApp-first personal finance tracking service that allows users to:

• Log income and expense transactions through WhatsApp using interactive buttons
• Set and monitor budget limits by category
• Create and track savings goals
• Manage subscription tracking with billing reminders
• Receive automated weekly and monthly financial reports (PDF)
• Access a web-based analytics dashboard for detailed financial insights

Finbot offers multiple subscription tiers, including a free plan with limited features and paid Premium ($5/month) and Family ($13/month) plans. Pricing and plan details are available at finbot-60t.pages.dev/dashboard/pricing. We reserve the right to modify pricing with 30 days' advance notice to existing subscribers.

Your Finbot account is identified by your WhatsApp phone number. Authentication for the web dashboard is handled through a one-time password (OTP) sent to your WhatsApp number.

You are responsible for:

• Maintaining access to the WhatsApp number associated with your account
• Keeping your dashboard authentication tokens confidential
• Notifying us immediately if you suspect unauthorized access to your account

Finbot is designed for personal finance tracking. You agree not to:

You acknowledge that:

• All financial data entered is self-reported and its accuracy is your responsibility
• Reports, insights, and analytics are generated from your self-reported data and should not be considered professional financial advice
• Finbot is not liable for any financial decisions made based on the information provided by the service
• The service does not connect to, access, or store actual bank account credentials

Finbot operates through the Meta Business API for WhatsApp. The availability of the WhatsApp service is dependent on Meta Platforms, Inc. and is subject to their terms and conditions.

Specific conditions apply:

• Automated messages (check-ins, reports, alerts) are sent only within the 24-hour Service Window after your last interaction
• Service availability may be affected by WhatsApp platform outages, maintenance, or policy changes
• Message delivery is not guaranteed and may be subject to carrier or platform limitations

Payment Processing. All payments are processed by Creem (creem.io), our third-party payment processor. Creem collects and stores your payment card information, billing address, and transaction history. Finbot does not directly access or store your full card details.

Cancellation. You may cancel your subscription at any time through the billing portal in your account settings. Upon cancellation, your subscription will remain active until the end of the current billing period. No further charges will be made after cancellation.

Refunds. Subscription fees are non-refundable. If you believe you were charged in error, please contact us within 30 days of the charge.

Plan Changes. We reserve the right to modify pricing with 30 days' advance notice to existing subscribers. Price changes will take effect at the start of your next billing cycle.

When you create or join a family group, members of your family group will be able to view certain shared financial data, including shared budgets, split expenses, and family goals. You acknowledge that by joining a family group, your financial activity related to shared features will be visible to other group members. You may leave a family group at any time to stop sharing data.

The Finbot name, logo, and all associated branding, design, and code are the intellectual property of Finbot. You may not use, reproduce, or distribute any part of the service without prior written consent.

Your financial data remains your property. We process it solely to deliver the service as described in these terms and our Privacy Policy.

Finbot is provided on a best-effort basis. We do not guarantee uninterrupted service availability. The service depends on third-party infrastructure (Cloudflare, Meta WhatsApp API) and may experience downtime due to factors beyond our control.

We do not provide a service level agreement (SLA). Scheduled maintenance windows, if any, will be communicated via WhatsApp in advance.

To the maximum extent permitted by applicable law in the United Arab Emirates:

• Finbot shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service
• We are not responsible for any loss of data, financial loss, or damage resulting from service interruptions
• For paid subscribers, our total liability shall not exceed the fees you paid in the preceding 12 months. For free-tier users, liability is limited to USD $1.00.

Either party may terminate this agreement at any time:

We reserve the right to modify these Terms of Service at any time. Material changes will be communicated via WhatsApp at least 7 days before taking effect.

Continued use of Finbot after the effective date of any changes constitutes acceptance of the revised terms. If you disagree with changes, you should discontinue use and request account deletion.

These Terms of Service are governed by and construed in accordance with the laws of the United Arab Emirates, specifically the Emirate of Dubai.

Any disputes arising from these terms or your use of Finbot shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to the jurisdiction of the courts of Dubai, UAE.

For questions about these Terms of Service, contact us: