Fins

Terms of Use

Effective November 6, 2026

These terms are an agreement between you and FIN&S LLC (“Fin&s”, “we”, “us”), a New York limited liability company, and they govern your use of the Fin&s app and website (the “Service”). By creating an account or using the Service, you agree to them. If you don’t agree, please don’t use the Service.

This summary is for convenience. The full terms below are what apply.

1. Fin&s is not financial advice

Fin&s organizes and displays information about your finances: balances, transactions, net worth history, projections, and comparisons of credit card rewards. Nothing in the Service is financial, investment, tax, legal, or credit counseling advice, and nothing in it is a recommendation to buy, sell, open, close, pay or borrow anything.

Fin&s is not a bank, broker-dealer, investment adviser, tax preparer, or credit counseling service, and it is not a credit repair organization. Using it does not create any advisory or fiduciary relationship, and we do not promise any improvement to your credit, savings or debt. Before making a financial decision, consider your own circumstances and, where appropriate, consult a qualified professional.

2. Projections and estimates

Some of what Fin&s shows is calculated, not reported: where your year is likely to land, seasonal patterns, rewards you earned or could have earned, the value of points and miles, and suggestions about which card to use or how to pay down balances. These figures depend on your past data, on assumptions you provide, and on the methods we choose. They are estimates, not promises. Actual results will differ, sometimes significantly. Card terms, reward rates, and point values change, and the Service may not reflect the latest ones. Investments can lose value, and past results do not predict future ones.

Retirement projections test your plan against history. Fin&s runs your savings, spending and allocation through every period in the U.S. market record since 1871 (stock returns, 10-year Treasury bond returns and inflation). A success rate is the share of those past periods in which your money would have lasted. It is not the probability that your plan will succeed: future returns, inflation, and the order in which good and bad years arrive can be worse than anything in the record. These projections are in today’s dollars and assume you rebalance to your chosen allocation every year. They include the fund fees you enter, and they do not account for income taxes, required minimum distributions, or Social Security, pension or other income you don’t add yourself.

Our methods are our own: we decide which factors to weigh and how. Card issuers and other partners do not review, commission or endorse our estimates.

3. Your financial accounts and their data

Fin&s connects to your financial institutions through Plaid Inc. When you connect an account, you authorize Fin&s and Plaid to retrieve your account information from that institution on your behalf, and you agree to Plaid’s End User Privacy Policy.

We rely on your institutions and Plaid for that data, and we do not guarantee that it is accurate, complete, or up to date. Balances and transactions can arrive late, change, or go missing. Before relying on a figure for anything important, confirm it with your institution. Fin&s cannot move money, make payments, or change your accounts. It is not a record-keeping service: keep your own statements and records, because data can be lost, delayed or removed by an institution, by Plaid, or by us.

4. Who can use Fin&s

You must be at least 18 years old, or the age of majority where you live if that is higher, and able to form a binding contract. The Service is intended for people in the United States managing their own finances. You may connect only accounts you own or are authorized to access.

5. Your account and notices

You sign in with Apple or Google. Your Fin&s account is for you alone: don’t share, sell or transfer it. Keep your device and that sign-in account secure; you are responsible for activity in Fin&s that happens through them. Tell us promptly at support@finands.com if you believe someone has used your account without permission.

You agree that we may give you notices about the Service, including changes to these terms, electronically: in the app, or by email to the address your sign-in provider shares with us. Reminders and alerts, such as a payment coming due, are a convenience and can be late or fail to arrive. Don’t rely on them alone to pay a bill on time.

6. Acceptable use

Please don’t:

• use the Service for anything unlawful, or to access accounts or data that aren’t yours
• copy, modify, reverse engineer, or resell the Service, except as the law allows despite this limit
• scrape, overload, probe, or try to bypass the Service’s security or limits
• use the Service to build a competing product

7. Card offers and referrals

Fin&s may show credit card and other financial offers. FIN&S LLC may earn a commission when you follow an offer, apply, or are approved, and that compensation may influence which offers appear and where. We do not include every offer available, and an offer shown may not be the best one for you. We do not guarantee that you will see any particular offer, or that you will be approved for one. Fin&s never applies for anything on your behalf: you apply on the issuer’s own site, and only if you choose to. Card issuers decide approval and set their own terms, rates and fees; your application and the account are between you and the issuer.

Card names, logos and artwork belong to their issuers. Showing them does not mean an issuer endorses or sponsors Fin&s.

8. Paid features

Fin&s may offer paid features or subscriptions. Any purchase is made through Apple’s App Store and is governed by Apple’s terms, including billing, renewal and refunds. A subscription renews automatically until you cancel it in your Apple account settings. We will show the price and what it includes before you buy.

9. Privacy

Our Privacy Policy explains what we collect and how we use it. It is part of these terms.

10. Ownership

The Service, including its software, design and content, belongs to FIN&S LLC and its licensors. FIN&S and the Fin&s logo are trademarks of FIN&S LLC. We give you a personal, non-exclusive, non-transferable, revocable license to use the app on Apple devices you own or control, for your own personal use, under these terms. Your financial data remains yours.

If you send us ideas or feedback, we may use them without obligation to you.

11. Changes, suspension and ending your account

We may change, add or remove features, or stop offering the Service. You can stop using Fin&s at any time and delete your account in the app’s Settings; deletion works as described in the Privacy Policy. We may suspend or close an account that breaks these terms or puts the Service or other users at risk, and we will tell you when we reasonably can. Sections 1–3, 7, 10, and 12–16 continue to apply after your account ends.

12. Disclaimer of warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE OR SECURE, OR THAT ANY DATA OR ESTIMATE IN IT IS ACCURATE.

13. Limitation of liability

TO THE FULLEST EXTENT THE LAW ALLOWS, FIN&S LLC AND ITS MEMBERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR FINANCIAL DECISIONS MADE USING THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF ONE HUNDRED U.S. DOLLARS ($100) OR THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM.

Some places don’t allow these exclusions or limits, so some of them may not apply to you.

14. Indemnity

If you use the Service in breach of these terms or the law, and that leads to a claim against FIN&S LLC by someone else, you agree to cover the reasonable costs of that claim.

15. Governing law and disputes

These terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules. Any dispute will be resolved in the state or federal courts located in New York, and you and we consent to their jurisdiction. Before filing a claim, please contact us at support@finands.com so we can try to resolve it informally.

16. Apple

If you downloaded Fin&s from Apple’s App Store:

• These terms are between you and FIN&S LLC only, not Apple. FIN&S LLC, not Apple, is responsible for the app and its content.
• Apple has no obligation to provide maintenance or support for the app.
• 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 extent the law allows, Apple has no other warranty obligation for the app.
• FIN&S LLC, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that it fails to meet legal or regulatory requirements, and consumer protection or privacy claims.
• If a third party claims the app infringes their intellectual property, FIN&S LLC, not Apple, is responsible for investigating, defending and settling that claim.
• You confirm you are not located in a country subject to a U.S. Government embargo or listed on a U.S. Government list of prohibited or restricted parties.
• You must also comply with any applicable third-party terms, such as those of your wireless carrier, when using the app.
• Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

17. Changes to these terms

We may update these terms. We will post the new version here with a new effective date, and if a change is significant we will tell you in the app before it takes effect. If you keep using the Service after a change takes effect, the updated terms apply.

18. Everything else

These terms and the Privacy Policy are the whole agreement between you and us about the Service. If a part of them can’t be enforced, the rest still applies. If we don’t enforce a term right away, we haven’t given up the right to enforce it later. You may not transfer these terms; we may transfer them if FIN&S LLC is merged or sold. Section headings and the summary at the top are for convenience only. Nothing in these terms limits any right you have under law that cannot be waived.

Contact us

Questions about these terms: support@finands.com