Terms & Privacy

Fintori is a business analysis tool that helps users estimate margins, review operating numbers, generate AI-assisted reports, export summaries, and explore business scenarios.

By using Fintori, you agree to these Terms of Service and acknowledge the Privacy Policy below. If you do not agree, please do not use the service.

Terms of Service

1. Using Fintori

You may use Fintori for lawful business planning, internal analysis, and educational purposes. You agree not to misuse the service, interfere with its operation, attempt to access another user's account, or use automated tools in a way that harms availability for others.

2. Your business data

You are responsible for the accuracy of the numbers, assumptions, and business details you enter. Fintori calculates outputs based on those inputs, so incorrect or incomplete data may produce incorrect or incomplete results.

3. Reports and outputs

AI reports, health scores, projections, benchmarks, PDF exports, dashboards, and what-if scenarios are generated for informational use. They should be treated as a starting point for review, not a final decision or guarantee of business performance.

4. Availability

We aim to keep Fintori available and reliable, but we do not guarantee uninterrupted service. Features may be updated, improved, limited, or removed as the product develops.

5. Acceptable use

• Do not submit illegal, harmful, fraudulent, or abusive content.
• Do not reverse engineer, scrape, overload, or attack the service.
• Do not use Fintori to make decisions that require regulated professional advice without consulting a qualified professional.
• Do not share login details or use another person's account without permission.

Accounts

To use account features, you may need to register with your name, second name, email address, and password. You are responsible for keeping your login details secure and for all activity under your account.

You can update certain account details in Settings. If you request account deletion, we may need to keep limited records where required for security, fraud prevention, accounting, legal compliance, or subscription administration.

We may suspend or restrict accounts that appear to violate these terms, create security risk, abuse limits, or attempt to bypass payment or usage controls.

Subscriptions, Limits, and Billing

Fintori may offer a Free plan and paid Pro features. The Free plan can include limited AI reports, limited PDF exports, and restricted access to advanced tools. Pro can include higher report limits, unlimited PDF exports, business health score features, full calculation history, and what-if tools.

Paid subscriptions are processed by Stripe. Stripe may collect payment details, billing address information, tax information, card data, and transaction metadata needed to process and manage payments. Fintori does not store full card numbers.

Subscription prices, limits, and included features may change. If pricing changes for an active paid subscription, we will handle that through the billing flow or reasonable notice where required.

You can manage billing through the Stripe Billing Portal where available. Cancellation normally prevents future renewals but does not automatically refund previous payments unless required by law or clearly stated during checkout.

AI Reports and Business Health Score

AI-generated content can be useful, but it can also be incomplete, outdated, or wrong. You should verify calculations, assumptions, and written recommendations before relying on them.

The Business Health Score is an interpretive indicator based on the values available to Fintori, such as revenue, costs, margins, cash movement, risk signals, and operating structure. It is not a credit score, audit, valuation, or guarantee of future business performance.

The What-If tool is designed for scenario exploration. It helps you understand how changing key inputs might affect results, but it does not predict the future or replace professional planning.

Privacy Policy

This Privacy Policy explains what information Fintori may collect, why it is used, and how it is protected.

Information we may collect

• Account details such as name, second name, email address, password hash, plan status, and settings.
• Business inputs you submit, such as revenue, costs, employees, sector, loan details, and calculation assumptions.
• Generated history records, report usage counts, PDF export usage, subscription status, and timestamps.
• Payment and subscription references from Stripe, such as customer ID, subscription ID, checkout session ID, invoice status, and transaction summaries.
• Technical information such as browser storage preferences, theme choice, session cookies, and basic request logs.

How we use information

• To create and secure your account.
• To generate calculations, dashboards, history views, AI reports, PDF exports, and what-if scenarios.
• To manage plan limits, Pro access, billing status, and subscription history.
• To improve reliability, fix bugs, prevent abuse, and protect the service.
• To respond to support, account, or deletion requests.

Cookies and local storage

Fintori may use cookies or local browser storage to keep you signed in, remember dark or light theme preference, maintain sessions, and support app navigation. Some features may not work correctly if browser storage is blocked.

Third-party services

Stripe is used for checkout, subscriptions, invoices, and billing portal features. AI-related features may send the information required to generate a report to an AI service provider. We aim to send only the data needed for the requested feature.

Retention

We keep account and business records for as long as needed to provide the service, maintain history, manage billing, comply with legal obligations, resolve disputes, and protect against misuse. You may request deletion of your account through Settings where available.

Security

We use reasonable technical and organisational measures to protect information. No online service can be guaranteed completely secure, so you should use a strong password and avoid entering information you are not comfortable storing in the app.

Your choices

• You can update account profile details in Settings.
• You can change your password where the feature is available.
• You can request account deletion.
• You can manage paid subscription billing through Stripe where available.

Contact and Company Details

If you have questions about these terms, privacy, billing, or your account, contact the Fintori team through the support channel provided in the app or by using the company details below.

We may update these terms as Fintori changes. The updated version will be posted on this page with a new "Last updated" date.