These are the rules of using FinTrack — written in plain English, kept short on purpose. By creating an account or paying for a subscription, you agree to them.
"FinTrack," "we," "us," or "our" refers to the operator of the FinTrack personal-finance application available at fintrack.app. We're based in the Province of Quebec, Canada, and FinTrack is currently operated as a sole proprietorship doing business under the name "FinTrack."
"You" or "the user" means the person who creates a FinTrack account.
FinTrack is a personal-finance software-as-a-service application. You import your own transactions (via CSV from your bank, by scanning a receipt with your phone camera, or by entering them manually), and FinTrack helps you categorize, budget, set savings goals, see forecasts, and ask questions about your spending.
To use FinTrack you need an account. You agree to provide a real email address you control and to choose a password that's reasonably strong. You're responsible for keeping your password secret and for any activity that happens under your account.
You must be at least 13 years old to use FinTrack. If you're under the age of majority in your jurisdiction, your parent or legal guardian must agree to these terms on your behalf. FinTrack is not directed at children under 13 and we don't knowingly collect their information.
One person, one account. You may not open multiple FinTrack accounts to circumvent trial limits or other restrictions. We use canonical-email matching (including Gmail aliases) to detect this; see also our Suspension & termination section.
Every new FinTrack account starts with a 14-day free trial that begins the moment you sign up. During the trial:
When the trial ends, you have three choices: add a payment method to continue, do nothing (your account drops to read-only with all data preserved), or delete your account permanently from Settings.
The free trial is offered once per person. If you've already used a trial under any email that canonicalizes to the same address (for example, the same Gmail mailbox via aliases or dots), opening a second trial is a breach of these terms.
FinTrack Pro costs USD $4.99 per month if you are billed in US dollars, or CAD $6.99 per month if you are billed in Canadian dollars. The price you see at checkout is the price you pay. Applicable taxes are added at checkout where required by law.
Subscriptions auto-renew each month on the same calendar day. By providing a payment method, you authorize FinTrack to charge that payment method through our payment processor, Stripe, on each renewal date until you cancel.
If a payment fails, Stripe will attempt automatic retries over approximately seven days. You'll be emailed each time a retry fails. If all retries fail, your account drops to read-only access until you provide a working payment method.
If we change our pricing for new users, your existing subscription price is locked. We will not raise your monthly rate without explicit notice and an opportunity to cancel.
You can cancel your subscription any time. There is no cancellation fee, retention call, or extra friction.
To cancel, sign in and go to Settings → Billing → Cancel subscription. Cancellation takes effect at the end of the billing period you have already paid for. Until then, you keep full access to FinTrack Pro features.
After cancellation, your account stays alive in read-only mode. You can still see and export your data. To remove everything permanently, use Settings → Account → Delete account (which requires you to type the word "delete" to confirm).
Our full refund policy is on a separate page: Refund Policy.
In short: subscriptions are paid monthly and we don't automatically refund the unused portion of the current month. If you believe you were charged in error, write to help@fintrack.app within 14 days of the charge and we'll generally make it right.
Your transaction data belongs to you. We collect it only to provide the service.
You can export every transaction, budget, goal, and recurring entry as a CSV file from Settings → Export, at any time, for as long as your account is active or in read-only mode.
For complete details on how we handle personal information — what we collect, where it lives, who else processes it, how to exercise your privacy rights under PIPEDA (Canada) and similar laws — see our Privacy Policy.
Most users will never read this section because none of it applies to them. It's here for the few cases where it does.
You agree not to:
We can suspend or close your account if you breach these terms, if your payment fails for an extended period, or if continuing to provide service to you would expose FinTrack to legal risk. We will use proportionate judgment: most situations get a warning first; serious abuse (fraud, threats, illegal activity) can be immediate.
If we close your account for cause, you may not be entitled to a refund of unused subscription time.
You can close your own account any time. See Section 6 for the procedure.
FinTrack is provided "as is" and "as available." We try hard to make the service useful, accurate, and available, but we don't promise it will be perfect or uninterrupted.
To the maximum extent permitted by law, we disclaim all implied warranties — including merchantability, fitness for a particular purpose, and non-infringement.
The AI Money Coach answers questions based on the data you've imported. Its responses are educational guidance, not financial, tax, legal, or investment advice. Always check important numbers yourself and consult a licensed professional for material financial decisions.
To the maximum extent permitted by Canadian law:
Some jurisdictions don't allow some of these limitations. In that case, the limitations apply to the maximum extent legally permitted.
We can update these terms over time. When we make a material change (anything that meaningfully changes your rights or our obligations), we will email active subscribers at the email address on file at least 14 days before the change takes effect. Continuing to use FinTrack after the effective date means you accept the updated terms; if you don't, you can cancel or delete your account.
Non-material updates (typo fixes, formatting, clarifications) take effect when posted. The "Last updated" date at the top of this page is always current.
These terms are governed by the laws of the Province of Quebec, Canada, without regard to its conflict-of-laws rules. Any dispute that we can't resolve by good-faith email exchange will be brought exclusively in the courts of Montreal, Quebec.
Questions about these terms?
We aim to respond within 12 hours on business days.
Plain-English answers to specific scenarios are in our Help Center.