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End User License Agreement (EULA)

Last Updated: December 1, 2024

IMPORTANT: This End User License Agreement ("Agreement") should be carefully read before using the Fincend mobile application ("Application"). By downloading, installing or using the Application, you agree to be bound by all terms of this agreement.

1. License Grant

1.1. License Right

Fincend grants you a non-transferable, non-exclusive, limited license to use the Application for personal, non-commercial purposes, subject to the terms of this Agreement.

1.2. License Scope

This license includes the following rights:

  • Downloading and installing the Application on iOS or Android devices you own
  • Using the Application for personal financial management purposes
  • Cross-device synchronization as permitted by Apple or Google

2. Restrictions

The following actions are strictly prohibited under this license:

  • Copying, modifying, distributing, selling or renting the Application
  • Attempting to access the source code of the Application (reverse engineering)
  • Integrating any part of the Application into other software
  • Removing copyright or trademark information from the Application
  • Using the Application for illegal purposes
  • Bypassing or disabling security features of the Application
  • Using the Application to distribute malware or viruses
  • Using it in a way that negatively affects other users' experience

3. Intellectual Property Rights

The Application and all content, features and functionality contained therein (including but not limited to software, text, images, logos, icons and their design) are the exclusive property of Fincend or its licensors and are protected by Turkish and international copyright, trademark, patent, trade secret and other intellectual property laws.

4. User Obligations

4.1. Account Security

  • You are responsible for ensuring the security of your account information
  • You must not share your password with anyone
  • If you detect unauthorized use of your account, you must notify us immediately

4.2. Content Responsibility

  • You are responsible for all financial data you enter into the Application
  • You are obligated to provide accurate and up-to-date information
  • Entering false or misleading information is prohibited

4.3. Legal Compliance

You are obligated to comply with all local, national and international laws and regulations when using the Application.

5. Subscription and Payments

5.1. Subscription Model

Fincend offers basic features free of charge. A subscription is required to access premium features. Subscription fees and terms are clearly stated within the application.

5.2. Payment Processing

  • Payments are processed through the Apple App Store or Google Play Store
  • Subscriptions renew automatically
  • Cancellations must be made through the respective store
  • Subscription management is provided through our RevenueCat service

5.3. Refund Policy

Refund requests are subject to Apple's or Google's policies. Fincend does not process refunds directly.

6. Disclaimers and Warranties

6.1. Service Provided "AS IS"

The Application is provided "as is" and "as available". Fincend makes no warranty that the application will operate uninterrupted, timely, secure or error-free.

6.2. Not Financial Advice

IMPORTANT: The Fincend application, including AI-powered recommendations, does not provide professional financial, investment or tax advice. All recommendations are for informational purposes only. It is recommended that you consult a qualified financial advisor before making important financial decisions.

6.3. Data Accuracy

We do not guarantee the accuracy of calculations, analyses and reports provided by the Application. Users are advised to verify their own financial data.

7. Limitation of Liability

To the maximum extent permitted by law, Fincend or its licensors shall not be liable for any direct, indirect, incidental, special, punitive or consequential damages arising from the use of or inability to use the Application:

  • Loss of profits, revenue or data
  • Business interruption
  • Loss of reputation
  • Financial losses
  • Other intangible losses

This limitation applies even if Fincend has been advised of the possibility of such damages.

8. Termination

8.1. Termination by User

You may terminate this Agreement at any time by deleting the application from your device and closing your account.

8.2. Termination by Fincend

Fincend reserves the right to terminate your license without prior notice in the following circumstances:

  • You violate any provision of this Agreement
  • You engage in illegal activities
  • You misuse the Application
  • You harm other users

8.3. Effects of Termination

Upon termination of the Agreement:

  • Your right to use the Application immediately terminates
  • You must delete the Application from all your devices
  • Your data will be processed in accordance with our privacy policy
  • Paid subscription fees are non-refundable

9. Third Party Services

The Application uses the following third party services:

  • Supabase: Data storage and authentication
  • RevenueCat: Subscription management
  • Google AdMob: Advertising services
  • Anthropic Claude AI: AI-powered recommendations
  • Apple App Store / Google Play Store: Application distribution and payments

The use of these third party services is subject to the respective services' own terms and privacy policies.

10. Updates and Changes

10.1. Application Updates

Fincend reserves the right to update the application regularly. Updates may:

  • Add new features or modify existing features
  • Include bug fixes and performance improvements
  • Provide security patches
  • Remove certain functionalities

10.2. Agreement Changes

We reserve the right to update this Agreement from time to time. When significant changes occur, we will notify you via in-app notification or email. Your continued use of the application after updates means you accept the changes.

11. Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the Republic of Turkey. Any dispute arising from this Agreement shall be subject to the exclusive jurisdiction of the Courts and Enforcement Offices of Istanbul.

12. Relationship with Apple

This Agreement is between you and Fincend, not with Apple, Inc. Fincend, not Apple, is solely responsible for the Application and its content. Apple has no obligation to provide any maintenance or support services for the Application.

12.1. Apple's Rights

  • Apple is a third party beneficiary of this Agreement
  • Upon your acceptance of this Agreement, Apple has the right to enforce this agreement against you
  • You may notify Apple in the event of any warranty claims

13. Relationship with Google Play

If you downloaded the Application through the Google Play Store, you are also subject to the Google Play Terms of Service. In the event of a conflict between this Agreement and the Google Play Terms of Service, the Google Play Terms of Service shall prevail.

14. Severability

If any provision of this Agreement is held to be unlawful, invalid or unenforceable, such provision shall be severable from the Agreement and the remaining provisions shall remain in full force and effect.

15. Waiver

Fincend's failure to enforce any provision of this Agreement shall not be construed as a waiver of such provision. Any waiver shall not be valid unless made in writing.

16. Entire Agreement

This Agreement, together with the Privacy Policy and Data Security Policy, constitutes the entire agreement between you and us regarding the use of the Application and supersedes all prior written or oral agreements relating to the subject matter.

17. Contact

For questions regarding this Agreement, you may contact us:

  • Email: mail@fincend.com
  • Website: www.fincend.com

18. Acknowledgment

By downloading, installing or using the Application, you acknowledge that you have read and understood this End User License Agreement and agree to be bound by its terms. If you do not agree to these terms, you should not download, install or use the Application.

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