Effective: 2026-05-09
These Terms of Service (“Terms”) govern your use of the Finlynq managed cloud service available at finlynq.com (the “Service”). Finlynq is an open-source personal finance application; the source code is licensed under the GNU Affero General Public License v3 and is published at github.com/finlynq/finlynq. If you run the software on your own infrastructure, your use is governed by the AGPL v3 license in the repository and these Terms do not apply to that deployment.
By creating an account on the Service, accessing the Service, or connecting an AI assistant to your Finlynq account via our MCP server, you agree to these Terms. If you do not agree, do not use the Service. You may instead self-host the open-source software under the AGPL v3.
Finlynq is a personal-finance tracking application. It lets you record accounts, transactions, budgets, investments, loans, and goals, and query that data through a built-in UI or through an MCP (Model Context Protocol) server that exposes your data to AI assistants you authorize.
The Service is offered in two forms:
finlynq.com and operated by us. These Terms govern that use.You must be at least 16 years old to use the Service. By creating an account, you represent that you meet this minimum age and that you have the legal capacity to enter into these Terms in your jurisdiction. The Service is not directed at children under 16 and we do not knowingly accept accounts from them.
The Finlynq source code is licensed under the GNU Affero General Public License v3. You may fork, modify, study, and redistribute the source code subject to the AGPL v3, including the network-use clause (Section 13) which requires you to publish modified source if you operate a modified version as a network service.
These Terms govern only the managed cloud service we operate at finlynq.com. They do not modify, restrict, or override the AGPL v3 rights granted by the license file in the repository for users of the source code.
You agree not to:
We may suspend or terminate accounts that violate this section. Egregious violations (active intrusion attempts, malware distribution) may be terminated without notice.
Settings → Data → Export.Settings → Data → Delete account. This removes every row scoped to your user_id across all of our tables in a single transaction. Database backups are retained for 7 days; after that window, deleted data is unrecoverable from backups.Finlynq is a personal-finance tracking application. Finlynq is not, and does not hold itself out as:
The Service does not execute trades, transfer funds, hold money, or initiate any transaction with your real-world financial accounts. Numbers, charts, projections, and AI-generated commentary in the Service are informational only and are not investment, tax, legal, or financial advice. Consult a qualified professional before making financial decisions. You are solely responsible for the accuracy of the data you enter and for any decisions you make based on what you see in the Service.
The managed cloud is funded by voluntary donations through GitHub Sponsors and Ko-fi. Donations are voluntary, non-refundable except where required by law, and do not entitle you to any service-level guarantee, paid tier, additional feature, or priority support. There are no paid tiers and no subscriptions. If donations do not sustain operating costs, we may discontinue the managed cloud — see Section 14.
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, UNINTERRUPTED OPERATION, OR FREEDOM FROM ERROR. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE AVAILABLE WITHOUT INTERRUPTION, OR BE FREE OF DEFECTS.
We do not offer a service-level agreement (SLA), uptime guarantee, or recovery-time objective. The Service is operated on a single VPS by a small team and may be unavailable for maintenance, failure, or other reasons. Export your data regularly.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL FINLYNQ OR ITS OPERATOR BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST OR INACCURATE DATA, BUSINESS INTERRUPTION, OR LOSS OF GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
Our aggregate liability arising out of or related to these Terms or the Service shall not exceed the greater of (a) the total amount you have donated to Finlynq in the twelve months preceding the event giving rise to the claim, or (b) one hundred Canadian dollars (CA$100). Some jurisdictions do not allow the exclusion or limitation of certain damages, in which case the above limits apply to the extent permitted by law.
The Service integrates with the following third parties to function. We do not control their accuracy, availability, or terms, and we are not responsible for outages, data errors, or changes on their side:
You agree to indemnify and hold harmless Finlynq and its operator from any claim, demand, loss, or damage (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your violation of any law or third-party right, or (c) content or data you uploaded that infringes the rights of any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you.
Settings → Data → Delete account.Even if the managed cloud is discontinued, the source code remains available under AGPL v3 and you can continue using Finlynq by self-hosting it.
We may update these Terms when our practices change. For material changes(anything that meaningfully reduces your rights or expands your obligations), we will give at least 30 days' notice via an in-app banner or an email to your recovery address. Continued use of the Service after the effective date constitutes acceptance. For minor changes (typo fixes, clarifications, formatting), the updated Terms take effect immediately on posting. The current effective date is shown at the top of this page.
These Terms are governed by the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict-of-laws principles. The courts located in Ontario, Canada will have exclusive jurisdiction over any dispute arising out of or related to these Terms or the Service, except that you may also bring a claim in your local courts if required by your jurisdiction's consumer-protection law.
Before filing a formal claim, please contact us first using the address below; we will try in good faith to resolve the dispute informally within 30 days.
Questions about these Terms: privacy@finlynq.com (the same address handles legal and privacy correspondence). Source-code questions, bugs, or feature requests: open an issue at github.com/finlynq/finlynq.
See also our Privacy Policy for what data we collect and how it is encrypted, and the AGPL v3 license file in the repository for the terms governing self-hosted use of the source code.