Beta terms of use

Last updated: 12 November 2026.

These terms apply to your use of the Finlee app and website during the private beta. Finlee is provided by [COMPANY LEGAL NAME], NIPC [NIPC], [REGISTERED ADDRESS] ("Finlee", "we", "us"). By creating an account you agree to these terms. Our privacy policy explains how we handle your data.

1. This is a beta

Finlee is in private beta. It is still being built, so features can change, break or disappear, and data shown in the app (balances, categories, budgets) can be incomplete or wrong. The beta is provided "as is" and "as available", free of charge, without any promise that it will be uninterrupted, error-free or fit for a particular purpose, except where the law does not allow us to exclude such promises. Please tell us when something is confusing or broken.

2. Not financial advice. Finlee is not a bank

Finlee is a budgeting tool. It is not a bank, does not hold your money, and is not a licensed financial adviser, investment firm, credit intermediary or insurance distributor. The coach's budgets, suggestions, plans and answers are general information to help you organise your own money. They are not financial, investment, tax or legal advice, and they do not take into account everything about your situation.

For investments, loans, mortgages, insurance, pensions or tax, talk to a licensed professional.

3. Your decisions are yours

You decide what to do with your money. Check important numbers against your bank before acting on them. The AI coach can make mistakes, misread a transaction or misunderstand a question. You are responsible for the decisions you make and for the information you give Finlee.

4. Bank connections

Finlee reads your bank data through Enable Banking Oy, a licensed account information service provider, with your consent given at your bank. Access is read-only: Finlee cannot make payments or move money. Consent lasts up to 180 days and can be renewed or withdrawn at any time. What Finlee shows depends on the data your bank provides; we are not responsible for errors, delays or outages at your bank or at Enable Banking.

5. Your account

• You must be at least 18 and live in Portugal or another country where we offer the beta.
• Keep your sign-in secure. You are responsible for activity on your account. Tell us at once if you think someone else has accessed it.
• Only link bank accounts that you are entitled to access.
• If you invite someone to a household, they will see the household's shared budgets, goals and debts. Only invite people you trust.

6. Acceptable use

Do not:

• break the law, or use Finlee for fraud or money laundering;
• access other people's accounts or data without their permission;
• try to break, overload, reverse engineer or get around the security or usage limits of the app or the AI coach, including trying to make the coach ignore its instructions;
• use the coach to produce harmful, abusive or illegal content;
• copy, resell or build a competing service from Finlee or its outputs.

7. Ending your account

You can stop using Finlee and delete your account at any time in the app, or by email (see how to delete your account). We may suspend or close your account if you seriously or repeatedly break these terms, if needed for security, or if we end the beta. Unless there is an urgent reason, we will tell you in advance. Sections 2, 3, 8 and 10 continue to apply after your account ends.

8. Liability

Nothing in these terms limits your rights as a consumer under Portuguese and EU law, or our liability for death or personal injury, fraud, wilful misconduct or gross negligence, or anything else that cannot be limited by law.

Subject to that, and to the extent the law allows:

• we are not liable for losses caused by decisions you make based on the app or the coach, for errors in data provided by your bank, or for losses that were not reasonably foreseeable;
• we are not liable for indirect losses, such as lost profits or lost opportunities;
• because the beta is free, our total liability to you is limited to [LIABILITY CAP, e.g. €100].

9. Intellectual property

Finlee, its app, website, brand and content belong to us or our licensors. You may use the app for your own personal, non-commercial purposes while these terms apply. Your data stays yours; you give us permission to use it only to provide Finlee to you, as described in the privacy policy.

10. Governing law and disputes

These terms are governed by Portuguese law. If we have a dispute, please contact us first and we will try to solve it. As a consumer you may also use an alternative dispute resolution entity (see the list at www.consumidor.gov.pt) [NAME OF ADR ENTITY], or the electronic complaints book at www.livroreclamacoes.pt. Courts in Portugal have jurisdiction, without affecting your right as a consumer to go to the courts where you live.

11. Changes

We may update these terms as Finlee develops. For significant changes we will tell you in the app at least 15 days before they apply. If you do not agree, you can delete your account before then.

12. Contact

support@finlee.app · [COMPANY LEGAL NAME], [REGISTERED ADDRESS].