1. GENERAL PROVISIONS
1.1. APPSFOR Inc. (hereinafter referred to as "APPSFOR") invites you (hereinafter referred to as the "User") to use the FINATEKA service (hereinafter referred to as the "Service") and the computer program – the FINATEKA mobile application (hereinafter referred to as the "Mobile Application") on the terms set forth in this User Agreement (hereinafter referred to as the "Agreement", "UA"), starting from the moment when the User expresses his consent to its terms in the manner provided for in this Agreement.
1.2. By installing the Mobile Application on your mobile device, starting to use the Service and the Mobile Application and /or their individual functions, going through the sign-up procedure, the User is considered to have accepted the terms of the Agreement in full, without any reservations and exceptions, and the User undertakes to use the Service and the Mobile Application in accordance with this Agreement and current legislation. If the User does not agree with any of the provisions of the Agreement, the User does not have the right to use the Mobile Application and Service. If APPSFOR has made any changes to the Agreement in the manner provided for in this Agreement, with which the User does not agree, he is obliged to stop using the Mobile Application of the Service.
2. SIGN UP AND USER ACCOUNT
2.1. In order to use all the functions of the Service and the Mobile Application, the User must complete the registration procedure, as a result of which a unique account will be created for the User.
2.2. For registration, the User independently selects and specifies his e-mail address ("email"). APPSFOR automatically generates a password and sends it to the email specified by the User during registration. APPSFOR has the right to prohibit the use of certain aliases, as well as to set requirements for an alias and password (length, allowed characters, etc.).
2.3. If provided: In addition to specifying a pseudonym, the User can also post an image ("avatar") and specify other data about himself, such as: gender, age, city and other data. The User does not have the right to post his personal data. The user provides information about himself to an unlimited number of people.
2.4. In addition to the registration procedure described in paragraphs 2.1. – 2.2. of the Agreement, the User will need to select the base currency to start working in the application.
2.5. The User is solely responsible for the security (resistance to guessing) of the means chosen by him to access the account (password), and also independently ensures their confidentiality. The User is solely responsible for all actions / omissions (as well as their consequences) within or using the Service under the User's account, including cases of voluntary transfer by the User of data for access to the User's account to third parties on any terms (including contracts or agreements). At the same time, all actions within or using the Service under the User's account are considered to be performed by the User himself.
2.6. APPSFOR has the right to block or delete the User's account, as well as to prohibit access using the User's account to the Service or its individual functions, including in case of violation by the User of the terms of the Agreement or the legislation of the country, as well as in case of non-use of the Service for a long time.
2.7. Registration is mandatory for the User.
3. SERVICE FUNCTIONS
3.1. The Service provides the User with the opportunity:
3.1.1. Make and store transactions of expenses and income, create source data for subsequent accounting of their changes and control over their execution, perform visual control of statistics on graphs, get access to analyze items of expenses and income;
3.1.2. Participate in a public marathon (if provided), the rules of which are given in the section of the Mobile application "Marathon" > "Rules" and may change from time to time by achieving previously announced goals within the allotted time. The organizer of the contest is APPSFOR, no other persons, including the manufacturer of the operating system installed on the User's device and / or its affiliates, are the organizers of the contest and do not provide prizes to its winners;
3.1.3. To carry out a paid subscription for unlimited access to the use of the application;
3.1.4. Receive notifications and reminders (if provided);
3.1.5. Take part in the voting offered to the User (if provided).
3.2. In addition to what is specified in clause 3.1. of the Agreement, the User may be provided with other opportunities, including, but not limited to, viewing news, video materials, purchasing advanced training courses in financial literacy, chat, financial manager services, access to books, all various discounts and more.
3.3. The features of the Service described in clause 3.1. of the Agreement and other features of the Service may not be available to the User or restricted for his use, depending on his conditional status (hereinafter referred to as "Status"), determined in relation to his APPSFOR in accordance with the rules established by this User Agreement.
3.4. APPSFOR has the right at any time and without prior notice to restrict in general and/or for an individual User any of the functions or all functions of the Service and the Mobile Application.
3.5. For the full use of the Service by the User, access to the Internet is required via the User's mobile device on which the Mobile Application is installed, if there is no Internet access, then the application will work with some restrictions in terms of data synchronization and the operation of individual functions of the service.
3.6. By installing the Mobile Application on his device and using this Service, the User provides APPSFOR with his consent to send any messages to the User, including advertising and from third parties, using push notifications, SMS messages, e-mail messages and other means. The User has the right to refuse to receive certain notifications and APPSFOR messages when the Service provides such a technical opportunity.
4. MOBILE APPLICATION
4.1. Access to the Service is provided to the User through a Mobile Application. By installing the Mobile Application on his mobile device and storing the Mobile Application in the memory of his mobile device, the User undertakes to use the Mobile Application for its functional purpose within the limits permissible and permitted by APPSFOR.
4.2. With the exception of use in the volumes and in the ways directly provided for by this Agreement or the law, the User has no right to interfere with the functioning of the Mobile Application, including modifying, decompiling, disassembling, decrypting and performing other actions with the object code of the Mobile Application in order to obtain information about the implementation of algorithms used in the Mobile Application, to create derivatives works using the Mobile Application (in whole or in part (using individual elements of the Mobile Application), and also to carry out (allow to carry out) other use of the Mobile Application or any of its components, without the written consent of APPSFOR.
4.3. The User has no right to reproduce, distribute, communicate, make public or otherwise use the Mobile Application for commercial purposes (including for a fee), including as part of collections, catalogs of software products (as well as in conjunction with other software products), without the written consent of APPSFOR.
5. SERVICE CONTENT
5.1. Content means text, graphics, audio, video and other (multimedia) materials (including audiovisual works, broadcast, etc.) posted in the Mobile Application / Service.
5.2. The User does not have the right to copy, extract from the Service and / or the Mobile Application / copy any Content and distribute it or use it in any way not permitted and not technically provided for by the Service, without the prior written consent of APPSFOR.
5.3. The User acknowledges and confirms that the Content of the Service and the Mobile Application may represent objects of intellectual property and other rights of APPSFOR and other persons, and in case of their misuse, he may be liable for civil, administrative and criminal liability.
5.4. The User does not have the right to place and/or distribute intellectual property objects in the Mobile Application/ Service.
6. USER STATUS
6.1. Starting to use the Service, the user has the Status "Not registered". The User is given the opportunity to change the Status to "Registered".
6.2. The status "Registered" is assigned to the User upon his request, provided that the registration process is completed by means of the User's Email address and confirmation of this address by entering the password sent by the Service to the specified Email in the field specified in the application.
6.3. The list of available and limited features of the Service to the User, depending on its Status, is published by APPSFOR in the Application. APPSFOR has the right at any time, by its decision, without notifying the User, to change such a list of such features, as well as to restrict the assignment of a Status to the User.
7. ENTERING TRANSACTIOS
7.1. The user is given the opportunity to enter EXPENSE / INCOME data, assign a category to this transaction, leave a comment on this transaction, select the type of currency for this transaction.
7.2. All data entered by the User is displayed in chronological order.
7.3. Each EXPENSE/INCOME entry made can be edited or deleted by the User at any time.
7.4. Based on each created EXPENSE / INCOME transaction, the Service keeps transactions and generates statistics.
8. DATA STORAGE
8.1. The data provided by the user for the entire period of use of the application is guaranteed to be stored on APPSFOR servers, in anonymous and encrypted form, and only for registered users.
8.2. The registered user can request at any time the complete deletion of information about him from the APPSFOR servers without the possibility of recovery. See section 14, content of paragraph 14.7
8.3. If the user has not been registered, the data entered by him is stored only locally on his device and if the application is deleted, it will also be permanently deleted.
9. HOME
9.1. The User is given the opportunity to view summary information on EXPENSE / INCOME accounting, go to the sections indicated on the Main Screen to view / manage / edit transactions, view statistics on the specified parameters for the specified periods.
Some entries will not be available to the user during the process for editing, about which the service will inform the user in the accompanying texts on the screens and provide hints in the information sections under the "i" icon.10. STATISTICS
10.1. The User is given the opportunity to view statistics on graphs and in relative comparison by accounting for his EXPENSES / INCOME.
10.2. The accuracy of the displayed data directly depends on the input values of EXPENSE / INCOME.
10.3. APPSFOR does not guarantee correct display if the user does not enter all the data, forgets or ignores the EXPENSE /INCOME accounting.
11. PLANNING
11.1. The User is given the opportunity to plan the budget of his future EXPENSES / INCOME.
11.2. Tracking the execution of the planned budget is carried out by means of graphs and computational formulas accompanying this section.
11.3. APPSFOR does not guarantee correct display if the user does not enter all the data, forgets or ignores EXPENSE/INCOME accounting.
12. YOUR ACCOUNTS
12.1. For correct accounting of EXPENSES / INCOME, the Application provides five (5) main types of accounts that must be filled out before using the application (this can also be done already in the process of using the Service).
12.1.1. "Debit Accounts" are cash or money in debit accounts that are not allocated to your funds (for your purposes). Most often, this is money that you use as pocket money.
12.1.2. "Credit cards" is a type of bank loan on special terms. If you use bank credit cards, list them in the appropriate section.
12.1.3. "Savings" is money distributed by you for various purposes (funds, investments, dreams). This is any money you have set aside.
12.1.4. "Loans" are any kind of debt owed to someone. It can be a bank loan or a private loan from a friend/acquaintance, etc. This is money that you owe someone.
12.1.5. “Borrowers" – this category implies that someone is a borrow from you. Any debt obligations in your favor can be taken into account here.
12.1.6. "Balance" – reflects your current financial situation, which consists of all types of your accounts, balances, loans, savings and other liabilities.
13. ADVERTISING
The User may be notified of advertisements, including, but not limited to, text, visual, audiovisual ads, and other ads, including targeted and personalized. The user confirms his consent to receive them.14. MENU
14.1. The User is given the opportunity to manage certain types of settings for the convenience of using the application, as well as to view and edit information "about himself", including other available options of the Mobile Application.
14.2. The user profile contains the following features:
14.2.1. The "Exit" button, which allows the user to deauthorize in the mobile application.
14.2.2. The "Nickname" field, an arbitrary field for creating a User image (optional).
14.2.3. Gender: M/W (optional).
14.2.4. Date of birth (optional).
14.2.5. City of residence (optional).
14.2.6. E–mail - User's Email.
14.3. Categories:
14.3.1. Managing the entire list of categories to create EXPENSE/INCOME transactions
14.4. Advantages:
14.4.1. List of all available options.
14.5. About us
14.5.1. Information about the application, version and release date
14.5.2. Rating of the application
14.5.3. Contacting the support service
14.5.4. User Agreement
14.5.5. Privacy Policy
14.5.6. List of social networks
14.6. FAQ. A section dedicated to the most frequent answers to Users' questions. The section can be modified by APPSFOR depending on User requests.
14.7. Settings
14.7.1. Information about the base currency of the account
14.7.2. Synchronization
14.7.2.1. Sending diagnostic data to technical support
14.7.2.2. Synchronization and sending of all operation data to the server for forced saving.
14.7.3. Clearing (zeroing) the history of all transactions and accounts without the possibility of recovery.
14.7.4. Permanently deleting an account without the possibility of recovery.
14.8. Subscription – indicates whether the user has purchased a subscription, what type of subscription and what expiration date.
14.9. Notifications (if provided) – an aggregation system for all types of notifications sent to the user for the entire period of time they use the application. It contains both technical, informational, congratulatory and bonus notifications, as well as advertising notifications.
14.10. Instructions for use (if provided) – text, visual instructions for using the application. The instructions describe in detail the operation of each section and each individual function. It is recommended to familiarize yourself first of all before using the application. The instruction may be modified by APPSFOR depending on changes in the operation of the application, the addition or removal of any functions.
15. USER INFORMATION
15.1. Within the framework of this Agreement, "User information" means:
15.1.1. Information that the User provides about himself/herself when registering (creating an account) or in the process of using the Service and the Mobile Application. The information required for the provision of the Service is specified in section 2 of the PS "Registration and User Account". Other information is provided by the User at his discretion.
15.1.2. User data that is automatically transmitted to the Service during its use using the software installed on the User's device, including IP address, cookie data, technical characteristics of the equipment and software used by the User, date and time of access to the Services, addresses of the requested pages and other similar information.
15.2. APPSFOR collects, processes and stores only the User's information that is necessary for the provision of the Service and the execution of this Agreement, providing support to the User regarding the functioning of the Service and the Mobile Application, except in cases where the legislation provides for mandatory storage of information for a period specified by law.
15.3. APPSFOR processes User Information for the following purposes.
15.3.1. Identification of the party within the framework of the Service and the Agreement.
15.3.2. Provision of personalized information to the User and execution of agreements and contracts.
15.3.3. Communication with the User, including sending notifications, requests and information regarding the use of the Service and Mobile Application, as well as processing requests and requests from the User.
15.3.4. Improving the quality of the Service and Mobile Application, the convenience of their use, the development of new functions of the Service and Mobile Application.
15.3.5. Targeting of advertising materials.
15.3.6. Conducting statistical and other research.
15.3.7. Implementation of the current legislation of the country.
15.4. With respect to the User's information, its confidentiality is maintained, except in cases of voluntary provision by the User of information about himself for general access to an unlimited number of persons, including the information specified in clause 2.3. of the Agreement. When using certain functions of the Service and the Mobile Application, the User agrees that a certain part of his information becomes publicly available.
15.5. The User has consented to the transfer of the User's APPSFOR information to third parties in the following cases:
15.5.1. The transfer is necessary for the User to use a certain function of the Service (including for the User to use the Service/orders from third parties) or to fulfill the Agreement.
15.5.2. The transfer is provided for by applicable law within the framework of the procedure established by law.
15.5.3. Such transfer takes place as part of the sale or other transfer of the business (in whole or in part), while the acquirer assumes all obligations to comply with the terms of this Policy in relation to the personal information received by him.
15.5.4. In order to ensure the possibility of protecting the rights and legitimate interests of APPSFOR or third parties in cases where the User violates this Agreement.
15.5.5. As a result of processing the User's information by depersonalizing it, depersonalized statistical data is obtained, which are transmitted to a third party for conducting research, performing work or providing services on behalf of APPSFOR.
15.6. Cookies transmitted by APPSFOR to the User's equipment and the APPSFOR User's equipment can be used by APPSFOR to provide the User with personalized information, to target advertising that is shown to the User, for statistical and research purposes, as well as to improve the Service and Mobile Application.
15.7. The structure of the cookie file, its content and technical parameters are determined by APPSFOR and may change without prior notice to the User.
15.8. The counters placed by APPSFOR in the Service and Mobile Application can be used to analyze the User's cookies, to collect and process statistical information about the use of the Service, as well as to ensure the operability of the Services in general or their individual functions in particular. The technical parameters of the counters are determined by APPSFOR and may change without prior notice to the User.
15.9. APPSFOR takes necessary and sufficient organizational and technical measures to protect the User's information from unauthorized or accidental access, destruction, modification, blocking, copying, distribution, as well as from other illegal actions with it by third parties.
15.10. Filling out questionnaires, registration and any other use of the Mobile Application does not require the provision of personal data (such as: full name, residential address, marital status information, e-mail containing personal data in its address), and therefore, when using the Mobile Application, the User undertakes not to enter any personal data into them. Data containing signs of the presence of personal data in them will not be accepted by the system. However, if for any reason the User used his personal data when using the Mobile Application and they were accepted by the system, it is considered that the User thereby gave APPSFOR consent to the processing of his personal data (including the right to transfer them to third parties). APPSFOR will comply with all requirements of the legislation of the United States of America on personal data in connection with their processing.
16. PAID CONTENT
16.1. Subscription
16.1.1. The service for providing access to paid services and unlimited functions of the application (hereinafter referred to as the "Subscription") is provided to the User under the following conditions:
16.1.1.1. The number of Debit accounts exceeds 2.
16.1.1.2. The number of Credit cards exceeds 1.
16.1.1.3. The number of Savings accounts exceeds 1.
16.1.1.4. The number of Loans exceeds 1.
16.1.1.5. The number of Borrowers exceeds 1.
16.1.1.6. The User is trying to get into the advanced statistics section marked with the "PREMIUM" label.
16.1.1.7. The User tries to enter the budget planning section marked with the "PREMIUM" label.
16.1.1.8. The User tries to open or use any other section or function of the service/application/website marked as "PREMIUM" or "PREMIUM+".
16.1.2. Information about the current Packages, Subscription Price, and rules for their application is posted by APPSFOR in the "Profile" > "Subscriptions" section of the FINATEKA Mobile Application.
16.1.3. Any offer of APPSFOR regarding Packages and Subscription Prices, and other conditions, as well as special offers is valid only at the time of its placement, as well as subject to the conditions, if applicable in the relevant sections of the Mobile Application.
16.2. The Subscription Price is paid by the User to iTunes Sarl (if the User uses a device using the iOS operating system to purchase a Subscription) or Google (hereinafter referred to as the following persons: Google Corporation, registered in Delaware, USA with the head office address 1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; Google Ireland Limited, registered in Ireland with the head office address of Gordon House, Barrow Street, Dublin 4, Ireland; Google Commerce Limited, registered in Ireland with the head office address of Gordon House, Barrow Street, Dublin 4, Ireland; as well as Google Asia Pacific Pte. Limited, registered in Singapore with the head office address of 8 Marina View, Asia Square 1 #3001, Singapore 018960) (if the User uses to purchase a Subscription device using the Android operating system) in accordance with the terms of the agreement between the User and the specified persons. APPSFOR does not participate in the processing of the User's payment to the above-mentioned persons. The refund of funds deposited by the User to pay for the Subscription Price is carried out in accordance with the terms of the agreement between the User and iTunes Sarl (if the User uses a device using the iOS operating system to purchase a Subscription) or Google (if the User uses a device using the Android operating system to purchase a Subscription).
16.3. If it is necessary to resolve any issues related to the Subscription and unresolved by the User when contacting iTunes Sarl or Google or a Partner, or not related to the responsibility of iTunes Sarl or Google or a Partner, the User has the right to send his questions and appeals to the email address APPSFOR support@finateka.com
16.4. Features of working with automatically renewable iTunes Subscriptions (if the User uses a device using the iOS operating system to purchase a Subscription):
16.4.1. Subscription payment is charged from the User's Apple ID account upon confirmation of purchase;
16.4.2. The Subscription is renewed automatically until the User cancels it, at least 24 hours before the expiration of the current Subscription;
16.4.3. The renewal fee (meaning the next subscription period) is withdrawn from the User's account within 24 hours before the end of the current subscription period;
16.4.4. Purchased Subscriptions are managed and deleted in the Apple ID account settings;
16.4.5. Cancellation of the paid subscription period is not possible in accordance with the rules of iTunes https://itunesconnect.apple.com/WebObjects/iTunesConnect.woa/wa/jumpTo?page=contracts
16.5. Features of working with automatically renewable Google Play Subscriptions (if the User uses a device using the Android operating system to purchase a Subscription):
16.5.1. The subscription is renewed automatically until the User changes this setting. If the User no longer wants to access paid features in the app, he simply cancels the Subscription;
16.5.2. Funds are debited automatically 24 hours before the start of each Subscription period;
16.5.3. When the application is deleted, the Subscription does not cease to be valid. To terminate a Subscription, the User must cancel it. If the User deletes the app but does not cancel the Subscription, the User will still be charged;
16.5.4. Upon cancellation of the Subscription, the User will continue to have access to the Content until the end of the paid period;
16.5.5. Cancelled Subscription can be renewed at any time;
16.5.6. Google Play Subscription Rules https://support.google.com/googleplay/answer/2476088
17. NO GUARANTEES
17.1. The User uses the Service and the Mobile Application at his own risk. The Service and the Mobile Application are provided "as is". APPSFOR does not assume any responsibility, including for the compliance of the Service and the Mobile Application with the User's goals.
17.2. APPSFOR does not guarantee that: The Service and the Mobile Application meet/will meet the User's requirements; The Service will be provided continuously, quickly, reliably and without errors; the results that can be obtained using the Service will be accurate and reliable and can be used for any purpose or in any capacity (for example, to establish and/or confirm any facts); the quality of any product, service, information, etc. obtained using the Service and Mobile Application will meet the User's expectations.
17.3. The Service and the Mobile Application, including advertising materials posted in it, may contain links/buttons that allow the User to go to third-party websites and/or audio/video/text materials posted on them (hereinafter referred to as "Third–party Content"). Such links/buttons, as well as third-party Content, are not checked by APPSFOR for compliance with the User's requirements, the norms of the current legislation of the U.S. and this Agreement, and APPSFOR is not responsible for any information, materials posted on third-party websites that the User accesses while using the Service and Mobile Application, in particular including for any opinions or statements expressed on third-party websites, advertising, etc., and also for the availability (level of services) of such Internet sites or third-party Content and the consequences for the User of their use and access to such Internet sites.
17.4. Any information and /or materials (including downloadable computer programs, letters, any instructions and guides to action, etc.) that the User gets access to using the Service and the Mobile Application, the User can use at his own risk and is solely responsible for the possible consequences of using the specified information and/or materials, including for the damage that it may cause to the User's computer and/or mobile device or to third parties, for data loss or any other harm.
17.5. No recommendations or information received by the User orally or in writing from APPSFOR or through the services do not impose guarantees on APPSFOR other than those stipulated in the terms of this Agreement.
17.6. APPSFOR is not responsible for any kind of losses that occurred as a result of the User's use of the Service and the Mobile Application or individual parts/functions of the Service and the Mobile Application.
18. OTHER PROVISIONS
18.1. This Agreement is a legally binding agreement between the User and APPSFOR regarding the use of the Service and the Mobile Application and replaces all previous agreements between the User and APPSFOR.
18.2. This Agreement is governed by and interpreted in accordance with the legislation of the United States. Issues not regulated by this Agreement are subject to resolution in accordance with the legislation of the United States. All possible disputes arising from the relations regulated by this Agreement are resolved in accordance with the procedure established by the current legislation of the United States, according to the norms of U.S. law. Throughout the text of this Agreement, unless explicitly stated otherwise, the term "legislation" means the legislation of the United States.
18.3. Nothing in the Agreement can be understood as the establishment between the User and APPSFOR of agency relations, partnership relations, a winning agreement, joint activity relations, personal employment relations, or any other relations not expressly provided for in the Agreement.
18.4. If, for one reason or another, one or more provisions of this Agreement are declared invalid or unenforceable, this does not affect the validity or applicability of the remaining provisions of the Agreement.
18.5. Inaction on the part of APPSFOR in case of violation by the User or other users of the provisions of the Agreement does not deprive APPSFOR of the right to take appropriate actions to protect its interests later, and also does not mean the waiver of APPSFOR of its rights in case of subsequent similar or similar violations.
18.6. This Agreement is made in English and Russian.
18.7. APPSFOR has the right to change any of the terms of this Agreement without prior notice to the User, in case the User disagrees with the amended terms, the User is obliged to stop using the Service and the Mobile Application, the continued use of the Service and the Mobile Application by the User confirms his consent to the changes in the terms of the Agreement.
APPSFOR Inc.
Delaware, 919 North Market Street,
Suite 950 in the City of Wilmington,
Country of New Castle,
Zip Code 19801
November 25, 2023