Terms of Use

The app can be used free of charge without an account. The Free plan shows the last 3 months of history and includes a few tries of voice entry and Ask Fimbi. Paid plans — Pro Single, Pro Couples and Family Pro — unlock your full history, Backup & sync uploads, creating a family, AI monthly summaries, allowances and larger allowances of voice entries and questions. What each plan includes and its limits are shown on the Plans screen in the app. There are no ads. How we handle your data is described in our Privacy Policy.

Limits on the Free plan only affect what the app shows and offers; they never delete records on your device. We may add, change, or remove features in future versions, as described in section 14.

• Bought through the store. Paid plans are auto-renewing subscriptions, monthly or yearly, bought through Google Play or the Apple App Store. The price is the one the store shows you, in your local currency, before you confirm. Payment is taken by the store, and the store’s own terms apply to the purchase. We never see your card or bank details.
• Free trial. Where the store offers one, a plan may start with a 7-day free trial. Whether you are eligible is decided by the store and by your account (for example, a trial may not be available again on the same account). Unless you cancel before the trial ends, the subscription starts and you are charged.
• Renewal and cancelling. A subscription renews automatically at the end of each period unless you cancel at least 24 hours before it ends. You cancel or change it in your Google Play or App Store subscription settings (the app’s “Manage subscription” button takes you there). Cancelling stops the next renewal; you keep the plan until the end of the period you have paid for. Uninstalling the app or deleting your Fimbi account does not cancel a subscription.
• Refunds. Refunds are handled by Google Play or Apple under their refund policies. We cannot issue refunds for store purchases ourselves, except where the law requires it.
• Price changes. If the price of a plan changes, the store will tell you in advance and, where required, ask for your consent before it applies to your subscription.
• Your plan follows your account. A plan needs a Fimbi account and belongs to that account, so it works on every phone you sign in on. “Restore purchases” links an existing store subscription to the signed-in account. Members of a family use the family owner’s plan for the family.
• When a plan ends. The app goes back to the Free plan. Nothing is deleted: older history is hidden behind a lock, new backup changes wait on your phone until you upgrade again, and a family whose owner’s plan has ended becomes read-only — everyone can still see and export it — until the owner renews.
• Allowances. Voice entries and Ask Fimbi questions are counted against your plan’s monthly allowance, as shown on the Plans screen (on Pro Couples and Family Pro, voice entries and questions are shared by the family). A failed attempt does not count. Allowances are part of the plan and have no cash value.

We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, for your own personal or household use. You may not sell, rent, sublicense, or redistribute the app; reverse engineer, decompile, or disassemble it except where that restriction is prohibited by law; or remove any copyright or ownership notices.

An account is optional. You need one for a paid plan, the Family plan, Backup & sync, voice entry, and Ask Fimbi. You sign in with Google or, on iPhone, Apple; we do not create or hold a password for you.

• Your account is for you alone. Keep access to your Google or Apple account secure; anything done while signed in to Fimbi with it is treated as done by you.
• You can sign out at any time, and you can delete your account in the app (Settings → Account → Delete account) or by writing to us at the address in section 20. What deletion removes is explained in our Privacy Policy.

Your personal records are stored in a local database on your device. If you turn on Backup & sync, a copy is also kept in your account on Fimbi’s servers so you can restore it on a new phone and keep your phones in step.

• Without Backup & sync, we hold no copy of your personal records and cannot recover them. Uninstalling the app, clearing its storage, losing the device, or a device fault deletes them permanently.
• With Backup & sync, we take reasonable care to keep your backup safe and available, but we cannot guarantee that it will never be lost, delayed, or out of date — for example, changes made offline go up only when your phone next connects. Exporting a JSON backup or CSV files from time to time is a good idea.
• Where you store or send an export file, and who can read it, is entirely your choice and your responsibility.
• The records you create are yours. You give us only the permission we need to store, sync, and process them to provide the features you use.

• Owners. Creating a family needs Pro Couples (up to 2 people) or Family Pro (up to 5). The owner invites members, sets their roles and what each can see and do, and can remove members or delete the family. Deleting a family removes everyone’s access to it. Joining a family is free.
• What you add is shared. Expenses, income, budgets and categories you add to the family space can be seen by other members within the permissions the owner has set. When you leave a family, what you added stays with the family under your name. Only add what you are happy for your family to see.
• Teen members. If you invite someone under 18, you confirm you are their parent or guardian or have their parent’s or guardian’s permission, and that they may use their own Google or Apple account under that provider’s rules. Allowances you set for a teen are a budgeting aid only: the app shows warnings but does not hold, move, or block any money.
• Disagreements between family members about what is recorded or shared are for the family to resolve; we do not arbitrate them.

Voice entry, the Ask Fimbi assistant, and AI monthly summaries use an AI service (Google Gemini) through Fimbi’s server, as described in our Privacy Policy.

• AI output can be wrong. It may misread an amount, pick the wrong category or date, miscalculate a total, or misunderstand a question. Voice entry only fills in the form — check each row before you tap Save. Treat answers and summaries as a helpful starting point, not a statement of fact.
• Answers are based only on the records available to the app, so they can only be as complete and accurate as what has been entered.
• Do not use these features to submit unlawful, abusive, or harmful content, or other people’s sensitive information that you have no right to share.
• These features need an internet connection and may be unavailable at times, or in some countries.

Bill and loan reminders are scheduled locally by your device’s operating system. Android and iOS may delay, batch, or suppress notifications for reasons outside our control — battery saving, “doze” mode, force-stopping the app, revoked notification permission, or changing the device clock or time zone.

Do not rely on Fimbi’s reminders as your only means of paying a bill or collecting a debt on time. We are not responsible for late fees, penalties, interest, or any other loss arising from a reminder that did not arrive or arrived late.

Fimbi records numbers you enter and performs arithmetic on them. Budgets, charts, insights, reports, totals, allowances, AI answers, and AI summaries are informational only and are not financial, investment, accounting, legal, or tax advice. Figures depend entirely on the accuracy and completeness of what is entered. Verify anything important against your bank, biller, or a qualified professional before acting on it.

The Loans feature is a private record of money you have personally lent or borrowed. Fimbi is not a lender, broker, collection agency, or financial institution: it does not originate, service, guarantee, transfer, or enforce any loan, and it moves no money. A loan entry is a note to yourself and has no legal effect between you and any other person.

If you record another person’s name, phone number, or address against a loan, you are responsible for having a lawful basis to do so and for handling their details appropriately — including in any backup or CSV export you create and share. Loans are never shared with a family; they leave your device only in your own Backup & sync backup, if you turn it on, or in an export you create.

You must be at least 13 years old to use Fimbi. You agree not to:

• use the app for any unlawful purpose, or to store data you are not entitled to hold;
• access Fimbi’s servers other than through the app, including by scripts, bots, or modified versions of the app;
• try to get around plan limits, allowances, or purchase checks, or to access another person’s account or family without permission;
• overload, probe, or interfere with Fimbi’s servers or other users’ use of them.

The app, its name, logo, design, and code are owned by us and protected by copyright and other laws. These terms grant you no rights to our trade marks or branding. The financial records you create in the app are yours.

Fimbi relies on services from other companies, including Google (Firebase sign-in, analytics, crash reports, App Check and Remote Config; Gemini), Apple (Sign in with Apple, on iPhone) and RevenueCat (subscriptions). Your use of Google Play, the App Store, and your Google or Apple account is also subject to those companies’ own terms. We are not responsible for outages or changes in those services.

We may update the app, and change, suspend, or discontinue any feature or online service, at any time. Some updates may be required to keep using online features. If we discontinue a feature that is part of a paid plan, we will give reasonable notice in the app, and where we can we will give you a way to export your data first.

The app and its online services are provided “as is” and “as available”, without warranty of any kind, express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that they will be uninterrupted, error-free, secure, compatible with every device, or that defects will be corrected.

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or exemplary damages, nor for any loss of data, profits, savings, or goodwill, arising out of or connected with your use of Fimbi — including data loss, missed reminders, inaccurate AI output, or reliance on figures the app displays. Our total aggregate liability to you for all claims is limited to the amount you paid for Fimbi subscriptions in the 12 months before the claim arose (zero if you use only the Free plan).

Nothing in these terms excludes or limits liability that cannot be excluded or limited under applicable law, or takes away rights you have as a consumer. Some jurisdictions do not allow the exclusion of certain warranties or the limitation of certain damages, so parts of sections 15 and 16 may not apply to you.

If you downloaded the app from the Apple App Store: these terms are between you and us, not Apple, and we — not Apple — are responsible for the app and its content. Apple has no obligation to provide maintenance or 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) of the app; to the maximum extent permitted by law, Apple has no other warranty obligation for the app. Apple is not responsible for addressing any claims by you or any third party relating to the app, including product liability claims, claims that the app fails to meet a legal or regulatory requirement, consumer protection claims, or claims that the app infringes a third party’s intellectual property. You confirm that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. The same applies to Google for downloads from Google Play, to the extent Google Play’s terms require it.

You may stop using Fimbi at any time by uninstalling the app, and you may delete your account at any time. We may suspend or close an account that seriously or repeatedly breaks these terms, or where we are required to by law; where it is reasonable to do so we will tell you first and give you a chance to export your data. Sections 5, 9, 10, 12, 15, 16 and 19 survive termination.

If we change these terms, we will update this page and the effective date above. Material changes will be noted in the app’s release notes or in the app. Continuing to use the app after a change means you accept the updated terms.

These terms are governed by the laws of the Islamic Republic of Pakistan, without regard to its conflict-of-law rules. Any dispute will be subject to the courts of that jurisdiction, except where applicable consumer law entitles you to bring proceedings where you live.

Questions about these terms, or requests including account deletion: developers@kamxol.com