Terms of Service
Effective Date: 1 January 2026
Last Updated: 28 April 2026
Legal Entity: Goodwill Enterprise Private Limited
1. Acceptance of Terms
By downloading, installing, or using FinWise™ ("the App"), you agree to be legally bound by these Terms of Service ("Terms"). These Terms form a binding legal agreement between you ("User") and Goodwill Enterprise Private Limited ("Company", "we", "our", "us"). If you do not agree to these Terms, do not use the App.
2. Description of Service
FinWise is a mobile Progressive Web App (PWA) that provides income and expense tracking, IFRS-compliant financial reporting, budget management, and tax summarization tools for small businesses and freelancers. The App is distributed via Google Play Store and accessible via web browser.
3. User Accounts
You must create an account to access FinWise. You are solely responsible for: (a) maintaining the confidentiality of your account credentials; (b) all activities that occur under your account; and (c) notifying us immediately at support@finwiseapp.com upon any unauthorized use of your account.
You must provide accurate and complete information during registration and keep your account information current.
4. Subscription & Billing
FinWise offers a Free tier (30 transactions/month) and a Pro subscription at the following rates:
- Pro Monthly: $4.99 per month
- Pro Annual: $34.99 per year (equivalent to approximately $2.92/month)
Subscriptions are billed exclusively through Google Play. By subscribing, you additionally agree to Google Play's billing terms and conditions. Key billing policies:
- Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period
- Cancellations take effect at the end of the current paid period — no partial refunds are issued
- Refund requests must be directed to Google Play as per their refund policy
- Price changes will be communicated with a minimum of 30 days' notice
5. Acceptable Use
You agree to use FinWise only for lawful purposes and in accordance with these Terms. You must not:
- Use the App to record, facilitate, or conceal illegal financial transactions
- Attempt to reverse-engineer, decompile, disassemble, or hack the App or its underlying infrastructure
- Share, sell, sublicense, or otherwise transfer your account access to any third party
- Use automated tools, bots, or scripts to interact with the App in unauthorized ways
- Attempt to gain unauthorized access to other users' data or App systems
- Use the App in any manner that disrupts, degrades, or impairs its normal operation
6. Intellectual Property
All content, source code, design, trademarks, logos, and features of FinWise — including the FinWise™ name, logo, and brand identity — are the exclusive intellectual property of Goodwill Enterprise Private Limited. All rights reserved.
You retain full ownership of the financial data you enter into the App. By using the App, you grant the Company a limited, non-exclusive, royalty-free license to store, process, and display your data solely for the purpose of providing the Service to you.
7. No Financial Advice
FinWise is a financial tracking and reporting tool. All reports, summaries, and figures generated by the App are for informational and record-keeping purposes only. FinWise does not constitute financial, accounting, tax, legal, or investment advice. We strongly recommend consulting a qualified chartered accountant, tax advisor, or financial professional before making any business or financial decisions.
8. Disclaimer of Warranties
The App is provided "as is" and "as available" without any warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be error-free, uninterrupted, or free from data loss. You use the App entirely at your own risk.
9. Limitation of Liability
To the maximum extent permitted by applicable law, Goodwill Enterprise Private Limited and its officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of financial data, revenue, profits, or business opportunities — arising from your use of, or inability to use, the App, even if we have been advised of the possibility of such damages.
10. Termination
We reserve the right to suspend or permanently terminate your account at any time for violation of these Terms, fraudulent activity, or any conduct we determine to be harmful to the App or its users. You may delete your account at any time from within the App's Settings page. Upon termination, your right to use the App ceases immediately.
11. Governing Law & Jurisdiction
These Terms are governed by and construed in accordance with the laws of the Islamic Republic of Pakistan. Any disputes arising from or relating to these Terms or your use of the App shall be subject to the exclusive jurisdiction of the competent courts of Pakistan.
12. Changes to Terms
We reserve the right to modify these Terms at any time. Material changes will be communicated via in-app notification or email. Continued use of the App after any such changes constitutes your acceptance of the revised Terms.
13. Severability
If any provision of these Terms is found to be unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining Terms, which shall continue in full force and effect.
14. Contact
For all legal and Terms-related inquiries:
Goodwill Enterprise Private Limited
Email: support@finwiseapp.com
Website: finwiseapp.com