Terms of Service
Last updated: January 6, 2025
1. Acceptance of Terms
By downloading, installing, or using FinWizard ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
2. Description of Service
FinWizard is a financial calculator application that provides 40+ calculators for personal finance, investments, loans, retirement planning, real estate, business, and more. The App offers both free and premium (PRO) subscription tiers.
3. User Accounts
- You may need to create an account to access certain features
- You are responsible for maintaining the security of your account
- You must provide accurate and complete information
- You are responsible for all activities under your account
4. Subscriptions and Payments
4.1 Free Tier
The Free tier includes access to all calculators with basic features, limited saved calculations (up to 5), PDF export with watermark, and advertisements.
4.2 PRO Subscription
PRO is available as Monthly ($5.99/month), Annual ($39.99/year), or Lifetime ($49.99 one-time). PRO includes unlimited saved calculations, ad-free experience, custom PDF branding, advanced exports, and app theming.
4.3 Billing
- Subscriptions are billed through Apple App Store or Google Play Store
- Monthly and Annual subscriptions auto-renew unless cancelled
- Cancel anytime through your device's subscription settings
- No refunds for partial subscription periods
5. Disclaimer of Financial Advice
⚠️ IMPORTANT: FinWizard provides financial calculators for informational and educational purposes only. The App does NOT provide financial, investment, tax, or legal advice. Results are estimates based on the inputs you provide and should not be relied upon for making financial decisions. Always consult with qualified financial professionals before making important financial decisions.
6. Accuracy of Calculations
While we strive for accuracy in our calculators, we do not guarantee that calculation results are error-free. Results depend on the accuracy of the information you input. We are not responsible for any errors, omissions, or financial decisions made based on the App's calculations.
7. Intellectual Property
- The App and its content are owned by FinWizard and protected by copyright
- You may not copy, modify, or distribute the App without permission
- Your saved calculations and exported documents remain your property
8. Prohibited Uses
You agree not to:
- Reverse engineer or attempt to extract the source code
- Use the App for any illegal purpose
- Attempt to bypass subscription or payment systems
- Interfere with the App's security features
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINWIZARD SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES RESULTING FROM YOUR USE OF THE APP.
10. Changes to Terms
We reserve the right to modify these Terms at any time. We will notify users of significant changes through the App or via email. Continued use of the App after changes constitutes acceptance of the new Terms.
11. Termination
We may terminate or suspend your account and access to the App at our sole discretion, without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.
12. Contact Us
If you have questions about these Terms of Service, please contact us at: