Terms and Conditions

Last updated: August 3, 2026

1. What Finami is

Finami is a personal finance app for iOS and Android phones. It lets you keep your own record of income, expenses, accounts, categories, debts, transfers between your accounts, and reminders. Everything you see in Finami is something you typed. It is a digital notebook: you write down what happened with your money and the app helps you organize it and see totals.

2. Accepting these terms

These terms are the agreement between you and Finami for the use of the app. You accept them when you install the app and create your account. If you do not agree, do not use Finami. Read them in full before you start. There are important points about what happens to your data if you lose your phone.

3. Your data is encrypted on your phone

Your transactions, accounts, categories, debts, and reminders are stored in an encrypted database inside your phone. The key that opens that database is derived from something only you know: your PIN, your recovery phrase, or your biometrics (fingerprint or face). That key never leaves your phone. We do not send it to any server and we do not store it anywhere.

4. Finami cannot read your financial data

Finami is built on a zero-knowledge principle: we cannot see what you write down. Because the encryption key never leaves your phone, even if someone gained access to our servers they would find nothing readable. This also means we cannot help you recover your data, review it for you, or hand it over to anyone. We do not have it.

5. What Finami does not do

Finami is not a bank, a financial institution, or a payment processor. It does not move money. Specifically, Finami does not: • connect to your bank accounts or import your transactions; • execute real payments or transfers; • pay bills or utilities; • invest, lend, or hold money. When you record a payment in the app, you are only noting that the payment happened. The app does not carry it out. Transfers between accounts are movements between two accounts you created inside the app, not a real transfer of money.

6. There is no sync between devices for now

At this stage, syncing is disabled. Your data lives on a single phone: the one where you use the app. If you install Finami on another phone, you will not see the first phone's information there.

7. Your account

To use Finami you create an account with your email address and a password. There is no sign-in with Google or Apple. Inside the phone, the app is also protected with a PIN and, if you turn it on, your biometrics. Your account is personal. Do not share your password, your PIN, or your recovery phrase with anyone. Anything done from your phone with your credentials is considered done by you.

8. Your recovery phrase

When you create your account, the app gives you a recovery phrase. Keeping it safe is your responsibility, and it has to be kept outside your phone: written on paper, or somewhere safe that is not the same device. Finami does not know your recovery phrase, does not store it, and cannot regenerate it or remind you of it. Without that phrase and without your phone, there is no way back to your data.

9. If you lose your phone, you lose your data

This has to be clear before you start using Finami. Your data is encrypted inside your phone and the key never leaves it. Finami does not keep a readable copy of your financial information. If the phone is lost, breaks, is stolen, or you uninstall the app, that data is gone. We cannot recover it. Neither can you, with your email, your password, or your recovery phrase: that information no longer exists anywhere. At this stage the app does not offer a backup feature. If you need to keep a history outside the app, keep it on your own.

10. Finami cannot lock your phone remotely

If you lose your phone, let us know and we can cut that account's access to our server. That is all we can do, and it is worth knowing what it means: the server gives no access to your financial data, because there is nothing readable there. We cannot delete or lock the information inside your phone. It is impossible by design: we do not have the key. To protect what is on the device, use your phone's screen lock and the remote wipe tools of iOS or Android.

11. Reference exchange rates

The app shows exchange rates obtained from a public source. They are indicative. They let you see approximate totals in one currency. They are not a quote, an offer, or a price at which you can exchange money. Finami does not guarantee that they are up to date or that they match the rate you find in the real world. When you record a currency exchange in the app, what gets saved are the amounts you declare.

12. Finami does not give financial advice

What you see in the app — totals, summaries, charts, reminders — is a reflection of what you wrote down. It is not financial, investment, accounting, or tax advice. Decisions about your money are yours. Finami is not responsible for them.

13. Proper use of the app

Use Finami for lawful purposes and for yourself. By using it, you agree not to: • give false information when registering; • use someone else's account or lend yours; • attempt to breach the security of the app or our servers; • decompile the app, reverse engineer it, or obtain its source code; • use the app or its content for commercial purposes without our authorization. If you break these rules we may suspend or cancel your account on the server.

14. Deleting your account

You can delete your account from within the app, without asking us. That deletes your account from our server: your email and the registration data tied to it. It does not delete what is on your phone. That information stays there, encrypted, until you uninstall the app. When you uninstall it, the data goes with it and cannot be recovered.

15. Price

At this stage Finami is free. There are no subscriptions, paid plans, or in-app purchases. If that changes in the future, we will tell you beforehand and you will get to decide.

16. Availability and changes to the app

Finami may be interrupted by maintenance, technical failures, or causes beyond our control. We do not guarantee that the service is available at all times. We may also add, change, or remove features. If a change affects how you use Finami, we will let you know through the app or by email.

17. Intellectual property

The app, its name, its logo, its design, its texts, and its code belong to Finami. You may use the app as a user. You may not copy, modify, distribute, or reuse its content without our written permission. What you write inside the app is yours. We have no access to it.

18. Your personal data

The few personal details we handle — basically your email address and the technical data of your account — are handled according to our Privacy Policy. Your financial data is not part of that, because it never reaches our servers in readable form.

19. Limits of liability

You use Finami at your own risk. Finami is not responsible for: • the loss of data stored on your phone, for any reason; • the functioning of your phone, your operating system, or your internet connection; • financial decisions you make based on what you see in the app; • errors in what you wrote down yourself; • differences between the reference exchange rates and real rates. To the extent permitted by law, Finami is not liable for indirect damages, lost profits, or lost opportunity arising from the use or the inability to use the app.

20. Third-party links and services

The app is distributed through the App Store and Google Play, and uses external sources for exchange rates. We do not control those services and are not responsible for them. If you access a third-party site or service from the app, you do so at your own risk.

21. Changes to these terms

We may change these terms. When we do, we will notify you through the app or at the email you registered with, and we will state the date of the change. The new terms apply from the date we indicate. If you do not agree, you can delete your account and uninstall the app.

22. Governing law and jurisdiction

These terms are governed by the laws of the Bolivarian Republic of Venezuela. Any claim related to these terms or to the use of the app is submitted to the courts of the Bolivarian Republic of Venezuela. Finami is available in the countries where the app is published on the App Store and Google Play. It is up to you to check that using it is lawful where you are. If any clause of these terms is found void, the rest remain in force. Address for notices: Estado Miranda, La Trinidad, Urbanización La Bonita, Resd. La Loma, floor 11, Caracas, Venezuela.

23. Contact

Questions about these terms or about how the app works? Write to us at soporte@theempire.tech.

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