Terms of Service

Last updated: June 30, 2026

Welcome to FinPulse AI. These Terms of Service ("Terms") govern your access to and use of the FinPulse AI web and mobile applications (the "Service"), operated by FinPulse AI ("we", "us", "our"). By creating an account or using our Service, you agree to be legally bound by these Terms.

1. Eligibility & Account Responsibilities

• You must be at least 18 years of age (or the age of majority in your jurisdiction) to use the Service.
• You are responsible for safeguarding your account credentials and for all activity that occurs under your account.
• You agree to provide accurate information (name, email, country) and to keep it reasonably up to date.
• You are responsible for complying with the laws of your own country when using the Service, including applicable financial regulations.
• One account per person. You may not share, sell, or transfer your account to another party.

2. Not Financial Advice

3. The Service & Features

FinPulse provides the following core capabilities, some of which require a paid subscription:

• Transaction tracking — import and manage transactions via CSV/PDF upload or bank sync (Free and Pro).
• AI categorisation — automated categorisation of transactions using large language models (Free and Pro).
• Budgets & goals — create and track monthly budgets and savings goals (Free: 1 budget; Pro: unlimited).
• Pulse AI coach — conversational AI financial coaching (Free: 3 messages/day; Pro/Ultimate: unlimited).
• Cash-flow forecasting — 14-day spending projections (Pro and Ultimate only).
• Bank account sync via Plaid — connect live bank accounts for automatic transaction import (Pro: 1 account; Ultimate: up to 3 accounts).
• Weekly email digest — automated spending summary delivered to your inbox (Pro and Ultimate).
• Multi-currency support — view balances and transactions in GHS, USD, GBP, EUR, NGN, and KES (Pro and Ultimate).

Feature availability may vary by region. We reserve the right to modify, add, or remove features at any time with reasonable notice.

4. Subscriptions & Billing

FinPulse offers a free tier and paid subscription plans (Pro and Ultimate). Paid plans are billed on a recurring monthly or annual basis.

• Payment processors: Payments are handled by Stripe (for users in the UK, US, Europe, and other international markets) or Paystack (for users in Ghana, Nigeria, Kenya, and other African markets), depending on your location. FinPulse never stores your card number, bank account number, or Mobile Money PIN — these are handled exclusively by Stripe or Paystack.
• Subscription renewal: Subscriptions renew automatically at the end of each billing period. You will receive a receipt by email for each charge.
• Cancellation: You may cancel your subscription at any time from Settings → Subscription. Cancellation takes effect at the end of the current billing period — you retain Pro access until then. No partial refunds are issued for unused time.
• Pricing: Prices are displayed in your local currency at checkout. We reserve the right to change pricing with at least 30 days' notice.
• Failed payments: If a payment fails, your account will be downgraded to the free tier. You can resubscribe at any time.

5. Bank Account Connections (Plaid)

Pro and Ultimate subscribers may connect bank accounts via Plaid, a regulated financial data aggregation service. By connecting a bank account, you:

• Authorise FinPulse to retrieve transaction data from your connected accounts on your behalf via Plaid.
• Acknowledge that Plaid's own terms of service and privacy policy apply to your bank connection. Plaid's terms are available at plaid.com/legal.
• Understand that you can disconnect any bank account at any time from Settings → Connected Accounts, and that disconnecting will stop all future data syncing.
• Acknowledge that FinPulse does not have the ability to initiate payments or transfers from your connected accounts — read-only access only.

6. Acceptable Use

• Do not attempt to gain unauthorised access to the Service, other users' accounts, or our infrastructure.
• Do not upload financial data belonging to other people without their explicit consent and legal authority.
• Do not use the Service for any unlawful purpose, including money laundering, fraud, or tax evasion.
• Do not reverse-engineer, scrape, or attempt to extract our AI prompts, models, or proprietary algorithms.
• Do not use automated scripts to abuse free-tier limits.

We reserve the right to suspend or terminate any account that violates these rules, with or without notice depending on the severity of the violation.

7. Intellectual Property

The FinPulse application, branding, UI design, AI prompts, and all associated software are owned by FinPulse AI and protected by copyright law. You are granted a limited, non-exclusive, non-transferable licence to use the Service for personal, non-commercial purposes only.

Your financial data remains yours. We do not claim ownership over any data you import or create within the Service.

8. Limitation of Liability

To the maximum extent permitted by applicable law, FinPulse AI, its founders, employees, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, or exemplary damages — including loss of profits, savings, revenue, data, or financial losses — arising from:

• Your reliance on any insights, metrics, forecasts, or AI responses provided by the Service.
• Unauthorised access to, alteration of, or loss of data within your account.
• Bugs, inaccuracies, service interruptions, or synchronisation delays (including delays from Plaid, Stripe, or Paystack).
• Actions taken or not taken based on the Pulse AI coach's responses.
• Third-party service outages (Supabase, Plaid, Stripe, Paystack, AI providers).

Our total liability to you for any claim arising out of these Terms shall not exceed the amount you paid to FinPulse in the 3 months preceding the claim.

9. Third-Party Services

The Service integrates with and depends on the following third-party platforms: Supabase (database & auth), Vercel (hosting), Stripe (payments), Paystack (payments), Plaid (bank sync), Resend (email), and one or more AI providers (Anthropic, Google, OpenAI, DeepSeek). We are not responsible for the availability, accuracy, or policies of these third-party services. Their respective terms and privacy policies apply to your use of those services.

10. Governing Law & Disputes

These Terms are governed by and construed in accordance with the laws of the Republic of Ghana, without regard to its conflict-of-law principles. Any legal action or proceeding arising under these Terms will be brought exclusively in the courts located in Accra, Ghana, unless applicable consumer protection laws in your country provide otherwise.

11. Changes to These Terms

We may update these Terms from time to time to reflect new features, services, or legal requirements. Material changes will be communicated in-app and by email at least 14 days before they take effect. Your continued use of the Service after that date constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you may close your account before the effective date.

12. Contact Us

Questions about these Terms? Email us at privacy@finpulseinc.com.