Fin AI

Terms of Service

The terms governing your use of Fin AI, an educational personal-finance coaching app. Fin AI is not financial advice and is not a bank.

Effective date: August 6, 2026
Last updated: August 6, 2026

Summary (not a substitute for the full Terms)

  • Fin AI is an educational personal-finance tool. It is not financial, investment, legal, or tax advice, and we are not a bank. It is not a parental-control or monitoring app.
  • Fin AI can make mistakes. Review AI replies before you act. Verify anything important. Your financial decisions are yours.
  • Fin AI is free. We do not currently offer paid subscriptions or in-app purchases, and we do not charge you anything. If that changes, we will publish updated Terms describing the price, billing, renewal, and cancellation before any charge is made.
  • These Terms include a binding arbitration clause and class-action waiver (Section 25). You may opt out within 30 days.

1. Agreement to these Terms

These Terms of Service (the “Terms”) form a binding agreement between you and Roman Balayar, an individual doing business as Fin AI (“Fin AI,” “we,” “us,” “our”), governing your use of the Fin AI mobile application, website, and related services (together, the “Service”) — a personal-finance coaching app for students and anyone else managing day-to-day money.

By creating an account, starting a free trial, purchasing a subscription, or otherwise using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

Electronic agreement. You consent to contract electronically and to receive all notices, disclosures, and communications from us electronically — in the app, by email, or by posting to our website. This satisfies any legal requirement that such communications be in writing. You may withdraw this consent by closing your account.

2. Eligibility

You must be at least 13 years old to use the Service.

Fin AI is not a parental-control app. The Service does not provide parental monitoring, remote controls, screen-time management, child location tracking, a parent dashboard, or any other guardian-control features. Users aged 13 and up use the same personal-finance coaching product — there is no family-managed or supervised mode, and we do not require parental or guardian consent to create an account.

Bank connections. Connect only a financial account you own or have authority to link. Do not connect an account you do not own or lack authority to link.

No one under 13 may use the Service. The Service is not directed to children under 13, and we do not knowingly collect their personal information. If we learn that we have, we will delete it. See the Privacy Policy for details.

You also represent that you are able to form a binding contract under applicable law (or that you are otherwise permitted to use the Service where you live), that you are not barred from using the Service under applicable law, and that you will comply with these Terms.

3. What Fin AI is — and what it is not

Fin AI is an informational and educational personal-finance coaching tool. It helps you see where your money goes, plan a monthly budget, set savings goals, and ask questions about your own financial data in plain language. It is not a parental-control, family-safety, or child-monitoring product.

FIN AI DOES NOT PROVIDE FINANCIAL, INVESTMENT, LEGAL, ACCOUNTING, OR TAX ADVICE. Nothing in the Service is a recommendation to buy, sell, or hold any security or financial product, to enter into any transaction, or to adopt any investment or tax strategy. The Service is not a substitute for a licensed financial advisor, accountant, attorney, or tax professional, and you should consult one before making significant financial decisions.

We are not a bank. We are not a bank, credit union, broker-dealer, investment adviser, lender, money transmitter, or payment processor. We do not hold, move, transfer, invest, or take custody of your money. We do not initiate payments or transactions on your behalf. Nothing you see in the Service is a deposit, and nothing is insured by the FDIC, NCUA, SIPC, or any government agency.

No fiduciary relationship. Your use of the Service does not create a fiduciary, advisory, agency, or professional relationship between you and us, and we owe you no fiduciary duty.

Estimates, not statements of account. Balances, categories, projections, and scores shown in the Service are derived from data available to us and may be incomplete, delayed, misclassified, or out of date. Your bank’s own records are always authoritative — where the Service and your financial institution disagree, rely on your institution.

4. The AI coach — capabilities and limits

The Service includes an AI-powered coach that answers questions in natural language.

⚠️ FIN AI CAN MAKE MISTAKES — REVIEW BEFORE YOU ACT

The AI coach may produce information that is inaccurate, incomplete, outdated, or wrong, including about your own finances. Artificial intelligence systems can misinterpret questions, misread context, and state incorrect information confidently.

Treat every AI reply as a draft to review, not as advice to follow blindly. You are responsible for independently verifying any financial information, recommendation, figure, projection, or calculation the Service provides before relying on it or making any financial decision.

How the numbers are produced. Financial figures the coach reports are calculated by our own deterministic software from your data — they are not invented or estimated by the language model. This is a deliberate design choice that reduces, but does not eliminate, the risk of an incorrect number. Errors remain possible from incomplete or misclassified source data, delayed synchronization, software defects, and misinterpretation of your question. Even when a figure is correct, the surrounding guidance can still be wrong or incomplete.

No guarantee of outcome. Nothing the coach says is a promise, guarantee, or prediction of any financial result. Projections are illustrative arithmetic, not forecasts.

Availability. The coach depends on third-party AI providers and may be unavailable, rate-limited, degraded, or changed at any time.

5. Your responsibility for your financial decisions

You are solely responsible for your own financial decisions and their consequences. You agree that:

  • you will independently verify information before acting on it;
  • you will not treat the Service as your sole basis for any financial decision;
  • you will consult an appropriately licensed professional where your circumstances warrant it; and
  • we are not responsible for any decision you make, action you take, or transaction you enter into based on the Service — including any overdraft, missed payment, fee, penalty, tax consequence, lost opportunity, or investment loss.

6. Your account and security

You must provide accurate registration information and keep it current. You are responsible for safeguarding your credentials and for all activity that occurs under your account. Do not share your account, and do not let anyone else use it.

Notify us promptly at romanbalayar0@gmail.com if you suspect unauthorized access. We are not liable for losses arising from unauthorized use of your account that results from your failure to keep your credentials secure.

We use a third-party identity provider to authenticate you. Your use of that sign-in method is also governed by that provider’s terms.

7. Connected financial accounts (Plaid)

If you choose to link a financial account, you authorize us and our data provider Plaid Inc. (“Plaid”) to access, retrieve, and store information from that account on your behalf — including account identifiers, balances, and transaction history — for the purposes described in the Privacy Policy.

Your authorizations and representations. By connecting an account, you:

  • represent that you are the account holder or are otherwise authorized to link it;
  • appoint us and Plaid as your limited agent solely to access that data on your behalf;
  • authorize your financial institution to disclose that data to Plaid and to us; and
  • acknowledge that your credentials are provided to Plaid, not stored by us.

Read-only. The connection is read-only. We do not move money, initiate transfers or payments, or make transactions.

Plaid’s terms. Plaid’s handling of your information is governed by Plaid’s own end-user privacy policy and terms, available at https://plaid.com/legal/. We do not control Plaid.

Disconnection. You may disconnect a linked account at any time in the app. Disconnecting stops future synchronization; previously retrieved data is handled as described in the Privacy Policy and Section 19.

Interruptions. Bank connectivity depends on your institution and on Plaid. Connections can break, require re-authentication, or return incomplete or delayed data. We do not warrant uninterrupted or accurate synchronization.

8. Other third-party services

The Service relies on third-party providers for authentication, hosting and database, bank connectivity, AI text generation, product analytics, and error reporting. These providers are identified in the Privacy Policy. Their services are governed by their own terms, we do not control them, and we are not responsible for their acts or omissions. The Service may also contain links to third-party sites we do not endorse or control.

9–13. Subscriptions, billing, and refunds — not currently offered

Fin AI does not currently offer paid subscriptions or in-app purchases. The app is free to use, we do not collect payment information from you, and no free trial converts into a charge. There is no Apple subscription associated with Fin AI to cancel.

Sections 9 through 13 are reserved for subscription pricing, billing, automatic renewal, refunds, and paid-tier features. They intentionally carry no operative text, because none of it applies today. If we introduce a paid tier, we will publish updated Terms setting out the price, the billing period, how renewal works, how to cancel, and any trial terms, and we will obtain your consent before charging you. Any purchase would be processed by Apple and governed by the Apple Media Services Terms and Conditions described in Section 14.

Any reference elsewhere in these Terms to a subscription, a renewal, or a cancellation therefore has no effect while the Service is free.

14. Apple App Store terms

These Terms are between you and Fin AI only, not with Apple Inc. (“Apple”). You acknowledge and agree that:

  • Apple has no obligation to furnish any maintenance or support for the Service.
  • If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
  • Apple is not responsible for addressing any claim by you or a third party relating to the app, including product liability, failure to conform to legal requirements, and consumer-protection or privacy claims.
  • If a third party claims the app infringes their intellectual property, Apple is not responsible for the investigation, defense, settlement, or discharge of that claim.
  • You represent that you are not located in a country subject to a U.S. Government embargo or designated as “terrorist supporting,” and that you are not on any U.S. Government restricted-party list.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.
  • Your use of the app must comply with the Apple Media Services Terms and Conditions in effect at the time.

15. Acceptable use

You agree not to:

  • use the Service for any unlawful, fraudulent, deceptive, infringing, or abusive purpose;
  • connect a financial account you do not own or lack authority to link, or submit anyone else’s personal or financial data without authorization;
  • attempt to gain unauthorized access to the Service, other users’ data, or our systems; probe, scan, or test security; or circumvent authentication, entitlement, rate-limiting, or usage controls;
  • reverse-engineer, decompile, disassemble, or attempt to derive source code, except where that restriction is prohibited by law;
  • scrape, crawl, harvest, or use automated means to access the Service, or resell, sublicense, or make the Service available to third parties;
  • use the Service or its outputs to develop, train, or improve any competing product or machine learning model;
  • interfere with, overload, or disrupt the Service, or impose an unreasonable load on our infrastructure or that of our providers;
  • prompt or manipulate the AI coach to produce unlawful content, to reveal system instructions or other users’ data, or to bypass its safety or scope limits; or
  • misrepresent your identity, age, or authority.

We may investigate suspected violations and take any action we consider appropriate, including those in Section 21.

16. Your content and feedback

Your data. You retain ownership of the financial data and content you provide or authorize us to retrieve. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, process, transmit, and display it solely to operate, secure, support, and improve the Service for you, and as described in the Privacy Policy. This license ends when you delete the relevant data or your account, except for backups and where retention is legally required.

Feedback. If you send us suggestions, ideas, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it without restriction, attribution, or compensation. Please do not send us anything you consider confidential.

17. Intellectual property

The Service — including its software, design, user interface, text, graphics, charts, models, and the Fin AI name and logo — is owned by Roman Balayar and its licensors and is protected by intellectual-property law. All rights not expressly granted are reserved.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the app on a device you own or control, for your personal, non-commercial use. You may not copy, modify, distribute, sell, lease, or create derivative works from any part of the Service.

18. Privacy and data

Our handling of personal information is described in the Privacy Policy, which forms part of these Terms. Please read it — it explains what we collect, the providers who process it on our behalf, and your rights.

Security. We use industry-standard measures to protect your information, including encryption in transit and at rest and access controls scoped to your account. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

19. Data retention and account deletion

You may delete your account at any time from within the app. Deleting your account removes your personal data and financial records from our production systems — including your sign-in identity, linked-account data, budgets, goals, transactions, and coach conversations — except where we are required or permitted by law to retain certain records (for example, for tax, audit, fraud-prevention, or dispute-resolution purposes), and except for residual copies in routine backups, which age out on our standard cycle. We also keep a security log of sensitive actions, stripped of the link to you, as described in the Privacy Policy.

Fin AI does not currently offer subscriptions, so there is nothing to cancel. If we introduce a paid tier in the future, deleting your Fin AI account would not by itself cancel an Apple subscription — you would cancel that separately in Settings → your Apple ID → Subscriptions.

20. Changes to the Service; beta features

We are actively developing the Service and may add, change, suspend, or discontinue features at any time. Some features may be identified as beta, preview, or early access — these are provided “AS IS,” may be unstable or withdrawn without notice, and should not be relied on.

We do not guarantee that the Service will be available at any particular time or free of interruption, and we may perform maintenance that makes it temporarily unavailable.

21. Suspension and termination

By you. You may stop using the Service and delete your account at any time (Sections 10 and 19).

By us. We may suspend or terminate your access, with or without notice, if we reasonably believe you have violated these Terms, if your use creates risk or legal exposure for us or others, if required by law, or if we discontinue the Service.

Effect. On termination, your license to use the Service ends immediately. Except where required by law, termination does not entitle you to a refund. Sections that by their nature should survive — including 3, 4, 5, 11, 16, 17, 22, 23, 24, 25, 26, 27, and 30 — survive termination.

22. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WE DO NOT WARRANT THAT: the Service will be uninterrupted, secure, timely, or error-free; that insights, categorizations, projections, scores, or AI-generated content will be accurate, complete, or current; that defects will be corrected; or that the Service will meet your requirements or produce any particular financial result.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you.

23. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

(a) NO INDIRECT DAMAGES. NEITHER FIN AI NOR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, LOST OPPORTUNITY, INVESTMENT LOSSES, OVERDRAFT OR BANK FEES, PENALTIES, OR TAX CONSEQUENCES, ARISING FROM OR RELATING TO THESE TERMS OR THE SERVICE — EVEN IF ADVISED OF THE POSSIBILITY AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

(b) CAP. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (ii) ONE HUNDRED U.S. DOLLARS ($100).

(c) FINANCIAL DECISIONS. WITHOUT LIMITING THE ABOVE, WE ARE NOT LIABLE FOR ANY LOSS ARISING FROM YOUR RELIANCE ON THE SERVICE OR ITS OUTPUTS, INCLUDING AI-GENERATED CONTENT AND ANY INACCURATE FIGURE, CATEGORIZATION, OR PROJECTION, OR FROM ANY FINANCIAL DECISION YOU MAKE.

(d) THIRD PARTIES. WE ARE NOT LIABLE FOR ACTS OR OMISSIONS OF THIRD-PARTY PROVIDERS, INCLUDING YOUR FINANCIAL INSTITUTION, PLAID, OR ANY AI, HOSTING, OR AUTHENTICATION PROVIDER.

These limitations apply regardless of the legal theory and are an essential basis of the bargain between us. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you; nothing here limits liability for fraud, gross negligence, willful misconduct, death or personal injury caused by negligence, or any other liability that cannot be excluded by law.

24. Indemnification

You agree to indemnify, defend, and hold harmless Roman Balayar and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising from or relating to: (a) your use of the Service; (b) your violation of these Terms or of any law; (c) your violation of any third-party right, including connecting an account you were not authorized to link; or (d) any financial decision you make. We may assume exclusive defense of any matter subject to indemnification, at your expense, and you agree to cooperate.

25. Dispute resolution; binding arbitration; class-action waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL. IT CONTAINS A CLASS-ACTION WAIVER. YOU MAY OPT OUT WITHIN 30 DAYS.

(a) Informal resolution first. Before filing a claim, you agree to try to resolve it informally by emailing romanbalayar0@gmail.com with a description of the dispute and the relief you seek. We will do the same. Neither party may start an arbitration for 60 days after that notice. This step is a condition precedent to arbitration, and any limitations period is tolled during it.

(b) Binding arbitration. If we cannot resolve the dispute informally, you and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by BINDING INDIVIDUAL ARBITRATION, administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitrator’s decision is final and binding, and judgment may be entered in any court of competent jurisdiction.

(c) CLASS-ACTION WAIVER. YOU AND WE AGREE THAT EACH MAY BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims or preside over any class or representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim — and only that claim — must proceed in court, and the rest of this Section 25 remains in force.

(d) 30-DAY RIGHT TO OPT OUT. You may opt out of this arbitration agreement and class-action waiver by emailing romanbalayar0@gmail.com with the subject line “Arbitration Opt-Out,” including your name and the email on your account, within 30 days of first accepting these Terms. Opting out affects nothing else in these Terms and will not affect your use of the Service. If you opt out, Section 26 (Governing law and venue) governs your disputes.

(e) Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court for actual or threatened infringement or misuse of intellectual property or unauthorized access to the Service.

(f) Fees. Allocation of arbitration fees is governed by the AAA Consumer Rules. Arbitration will take place in Bernalillo County, New Mexico, or by telephone, video, or written submission at your election where the rules permit.

(g) Survival. This Section 25 survives termination of these Terms and of your account.

26. Governing law and venue

These Terms and any dispute arising from them are governed by the laws of the State of New Mexico, without regard to its conflict-of-law rules, and by the Federal Arbitration Act as to Section 25. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Bernalillo County, New Mexico, and each party waives any objection to that venue and, to the extent permitted by law, any right to a jury trial.

If you are a consumer resident in the EU, UK, or another jurisdiction whose law grants you the protection of mandatory local rules, nothing here deprives you of that protection.

27. Time limit on claims

To the extent permitted by law, any claim arising out of or relating to these Terms or the Service must be filed within ONE (1) YEAR after it arose, or it is permanently barred.

28. Export controls and geographic availability

You may not use or export the Service in violation of U.S. export laws or sanctions. You represent that you are not located in, and are not a national or resident of, any embargoed country, and that you are not on any restricted-party list.

The Service is offered from the United States and designed for U.S. financial institutions and U.S. dollar amounts. We make no representation that it is appropriate or available elsewhere; if you use it from another location, you are responsible for compliance with local law.

29. Changes to these Terms

We may update these Terms. If we make material changes, we will provide reasonable notice — by updating the effective date and, where appropriate, notifying you in the app or by email — before they take effect. Your continued use of the Service after the effective date is your acceptance. If you do not agree, stop using the Service and delete your account. Material changes to Section 25 (arbitration) will include a renewed opportunity to opt out.

30. General

Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service and supersede all prior understandings.

Severability. If any provision is held unenforceable, it will be modified to the minimum extent necessary or severed, and the remaining provisions stay in effect.

No waiver. Our failure to enforce any provision is not a waiver of it.

Assignment. You may not assign or transfer these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including outages of financial institutions, Plaid, hosting, or AI providers.

Relationship. Nothing creates a partnership, joint venture, employment, or agency relationship between us, except the limited data-access agency described in Section 7.

Notices. We may give notice through the app, by email to the address on your account, or by posting on our website. Send notices to us at romanbalayar0@gmail.com or 111 Stanford Dr SE, Albuquerque, NM 87106.

Headings and summary. Headings and the Summary at the top are for convenience only and do not affect interpretation; the full text of these Terms controls.

Contact.

Roman Balayar
111 Stanford Dr SE, Albuquerque, NM 87106
romanbalayar0@gmail.com