Legal
Terms & Conditions
Last Updated: August 11, 2026
1.1 Acceptance of Terms
Welcome to Finqube ("Finqube," "we," "us," or "our"), a finance management application built for freelancers, creators, and small agency owners. These Terms & Conditions ("Terms") govern your access to and use of the Finqube desktop application, website (finqube.one), and related services (collectively, the "Service").
By downloading, installing, or using Finqube, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1.2 The Service
Finqube is a finance-tracking application that helps you manage income, expenses, invoices, client ledgers, savings goals, and financial reports. Finqube stores your financial data locally on your device in an on-device database and offers optional AI-assisted features, including AI bank statement parsing and receipt scanning ("AI Features"), subject to the usage limits described in the app (for example, a limited number of AI bank statement syncs per month on certain plans).
Finqube is provided on a "Free" plan with limited functionality and a one-time-payment "Pro" plan with expanded functionality, as described at finqube.one/pricing. Plan features and limits may change from time to time; we will use reasonable efforts to notify you of material changes.
1.3 Eligibility & Accounts
You must be at least 18 years old, or the age of legal majority in your jurisdiction, to use Finqube. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
1.4 Ownership
The Software and all intellectual property rights therein remain the sole property of the developer. These Terms do not convey to you any rights of ownership in or related to the Software. The Finqube name, logo, and associated marks are proprietary to the developer.
1.5 Your Use of the Service
You agree to use Finqube only for lawful purposes. You will not:
- Use the Service to store, process, or transmit unlawful, fraudulent, or infringing data;
- Attempt to reverse-engineer, decompile, or tamper with the application, its AI processing pipeline, or its licensing/payment mechanisms;
- Use the Service to violate any applicable financial, tax, data-protection, or anti-money-laundering law;
- Interfere with or disrupt the integrity or performance of the Service.
Indemnification : You agree to indemnify, defend, and hold harmless Finqube, its founders, employees, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your violation of these Terms or any applicable law; (c) your violation of any third party's rights, including intellectual property or privacy rights; or (d) any data, content, or financial information you upload, process, or generate through the Service. This obligation survives termination of your use of the Service.
1.6 Financial Data & Accuracy
Finqube's AI Features (including OCR-based receipt scanning and AI bank statement parsing) are provided for convenience and may contain errors, misread values, or mis-categorizations. Finqube is not an accounting, tax, or financial advisory service, and nothing in the Service constitutes financial, legal, or tax advice. You are solely responsible for verifying the accuracy of all financial data, reports, invoices, and figures generated or stored through the Service before relying on them for any business, tax, or legal purpose.
1.7 Payments
The Pro plan is offered as a one-time payment processed through our third-party payment processor. All prices are shown in the currency displayed at checkout. Payment processing is subject to the terms of our payment processor; Finqube does not store your full payment card details. See our Refund Policy for cancellation and refund terms.
1.8 Third-Party Services
Finqube may integrate with or rely on third-party services (for example, AI processing providers and payment processors). We are not responsible for the acts, omissions, availability, or performance of third-party services, and your use of such integrations may be subject to the third party's own terms.
1.8 Termination
We may suspend or terminate your access to the Service at any time if you violate these Terms. You may stop using the Service at any time by uninstalling the application. Sections that by their nature should survive termination (including Indemnification, Limitation of Liability, and Governing Law) will survive. Upon termination, you must cease all use of the Software and destroy all copies in your possession.
Disclaimer of Warranties
READ CAREFULLY. THIS SECTION LIMITS OUR LIABILITY TO YOU.
THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
WARRANTIES THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS
WARRANTIES THAT THE SOFTWARE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE
WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY DATA OR INFORMATION GENERATED BY THE SOFTWARE
Finqube is personal finance management software for record-keeping purposes only. It is not a substitute for professional financial, accounting, tax, or legal advice. You should not rely on data generated by Finqube for tax filings, audits, legal proceedings, or any other regulatory purpose without independent verification by a qualified professional.
Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINQUBE, ITS FOUNDERS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, WHETHER BASED IN CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN NO EVENT SHALL FINQUBE'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE EXCEED FIFTY PERCENT (50%) OF THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO FINQUBE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU HAVE NOT MADE ANY PAYMENT TO FINQUBE (INCLUDING USE OF THE FREE PLAN), FINQUBE'S TOTAL LIABILITY TO YOU SHALL NOT EXCEED FIVE HUNDRED INDIAN RUPEES (₹500).
Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you to the extent prohibited by mandatory law.
Governing Law & Jurisdiction
These Terms and any dispute arising out of or relating to them or the Service shall be governed by and construed in accordance with the laws of India, without regard to its conflict-of-law principles. You irrevocably agree that the courts located in Moradabad, Uttar Pradesh, India shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms or the Service, and you irrevocably submit to the exclusive jurisdiction of such courts.
Acceptable use Policy
By using Finqube, you agree to use it only for lawful purposes. You must not use Finqube to:
Record, track, or manage proceeds of illegal activity
Facilitate money laundering, fraud, or tax evasion
Circumvent financial regulations applicable in your jurisdiction
Process financial data belonging to third parties without their consent
You are solely responsible for ensuring your use of the Software complies with all applicable laws and regulations in your jurisdiction, including but not limited to tax law, accounting standards, and data protection regulations.
