Terms of Service

Last updated: October 6, 2026

These terms are an agreement between you and CloudArbitration LTDA ("we", "us"), the publisher of the Finnia app ("the app"). By downloading or using the app, you accept them. If you do not accept them, do not use the app.

1. Who can use the app

You must be at least 13 years old, or older where your country requires it. If you are under the age of majority where you live, you may only use the app with the consent of a parent or guardian.

2. What the app is

Finnia is a personal finance organizer. You record your accounts, credit cards, transactions, budgets and shared expenses, and the app calculates balances, statements, installments, budgets and how much of your future income is already committed. It is free to use and supported by advertising; an optional paid subscription removes the ads (section 9).

3. The part that matters most: this is not financial advice, and not a bank

Finnia is a notebook with a calculator, not a bank, a broker or a financial advisor. It does not hold money, make payments, connect to your bank or check your real balances. Every number it shows is calculated from what you typed in.

Balances, statement totals, due dates, budget alerts and committed-income figures are only as accurate as your records. Always confirm with your bank or card issuer before paying a bill or making a financial decision. Nothing in the app is investment, tax, legal or credit advice.

Reminders and alerts are a convenience. They may be delayed or not delivered — for example if notifications are turned off or the phone is offline — and missing one does not make us responsible for a late payment, fee or interest.

4. Your account

You are responsible for keeping your credentials secure and for everything that happens under your account. Give us accurate information, and tell us at info@cloudarbitration.com if you believe your account has been compromised. You may delete your account at any time under Profile → Delete Account.

5. Your content

The accounts, transactions, budgets, groups and notes you create are yours. You grant us only the permission we need to operate the app: to store that content, process it, and display it back to you.

You are responsible for what you enter. In split groups, only record names of people who would be comfortable with it, and do not enter other people's bank or card details.

6. Acceptable use

You agree not to:

reverse engineer, decompile or tamper with the app, except where law permits it;
access the service through automated means, or attempt to read data belonging to other users;
interfere with the service, overload it, or probe its security without permission;
use the app for any unlawful purpose, including fraud or money laundering.

7. Split groups

Split groups only help you keep track of who owes whom. We do not collect, hold or transfer money between people, and we are not a party to any arrangement between you and the people in a group. Any disagreement about a shared expense is between you and them.

8. Advertising

The app displays advertising. We do not control the content of individual ads, and an ad appearing in the app — including one for a financial product — is not an endorsement or a recommendation. Your interaction with an advertiser is between you and them. Subscribers to the No Ads plan do not see ads.

9. No Ads subscription

Every feature of the app is free. The optional No Ads subscription removes advertising from the app; it does not unlock or change anything else.

Plans and price. It is offered monthly or yearly. The price, in your currency, is shown in the app before you confirm the purchase.
Payment. Payment is charged to your Apple ID at confirmation of purchase. Apple processes the payment; we never see your card.
Automatic renewal. The subscription renews automatically for the same period and at the same price unless it is cancelled at least 24 hours before the end of the current period. Your Apple ID is charged for the renewal within the 24 hours before the period ends.
Cancelling. Manage or cancel it at any time in your iPhone's Settings → your name → Subscriptions. Cancelling stops the next renewal; the plan stays active until the end of the period you already paid for.
Refunds. Refunds are handled by Apple under its own rules, at reportaproblem.apple.com. We cannot issue refunds for App Store purchases. This does not limit any right you have under consumer protection law.
Price changes. If the price changes, Apple notifies you in advance and, where the law or Apple's rules require it, asks for your consent before charging the new price.
One account. A subscription is linked to the Finnia account that first used it. You can restore it on a new phone under Profile → Subscription → Restore purchases, signed in to the same account.
Deleting your account does not cancel the subscription. Cancel it in your Apple ID settings first, or Apple will keep renewing it.

10. Availability and changes

We may change, suspend or discontinue any part of the app. We may update these terms; if the change is material we will say so in the app before it takes effect, and continuing to use the app after that means you accept the new terms. The app relies on services we do not control, and it may be unavailable at times.

11. Termination

You may stop using the app at any time. We may suspend or terminate your access if you breach these terms or use the app in a way that harms other users or the service. Sections that by their nature should survive termination — disclaimers, limitation of liability, governing law — do survive it.

12. Disclaimer of warranties

The app is provided "as is" and "as available", without warranties of any kind, whether express or implied, including fitness for a particular purpose, merchantability, accuracy and non-infringement. We do not warrant that the app will be uninterrupted or error-free, or that its calculations will match your bank's.

13. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special or consequential damages, nor for lost data, lost profits, late fees, interest, or financial losses arising from your use of the app or from decisions made based on it. Where liability cannot be excluded, it is limited to the greater of the amount you paid for the subscription in the last twelve months — zero if you did not subscribe — or the minimum permitted by applicable law.

Nothing in these terms excludes liability that cannot be excluded by law. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

14. Indemnity

You agree to hold us harmless from claims arising out of your misuse of the app, your breach of these terms, or your violation of someone else's rights.

15. Apple

These terms are between you and us, not with Apple. Apple has no obligation to provide support for the app. If the app fails to conform to any applicable warranty, you may notify Apple and Apple may refund the purchase price, if any. Apple is a third-party beneficiary of these terms and may enforce them against you.

16. Governing law

These terms are governed by the laws of Brazil, without regard to conflict-of-law rules. Disputes will be heard by the competent courts of Brazil, unless mandatory consumer-protection law in your country of residence gives you the right to bring a claim locally.

17. Contact

CloudArbitration LTDA
info@cloudarbitration.com