What Financy is
Financy is a tool for keeping records of a household's money: accounts, transactions, budgets and balances. It does not give financial, tax or investment advice, and nothing it shows is a recommendation to buy, sell or spend. Decisions about your money are yours.
These terms are an agreement between you and NeatSoft PTE LTD, my company in Singapore, which runs Financy's cloud. I'm Anton Shubin, and "I" on this page means NeatSoft.
Price and payment
Financy's cloud costs $4 a month or $40 a year, in US dollars, per household of up to 6 members. Inviting a member never costs more. Where the law requires it, VAT or sales tax is added at checkout, and you see the total before you pay.
You pay from sign-up. There is no free trial: the public demo shows Financy with sample data and no account, and the money-back guarantee below covers the rest. Stripe takes the payment; Financy never sees your card.
If the price changes, I e-mail you at least 30 days before, and the new price applies from your next renewal after that. You can cancel before it does.
Renewal and cancelling
$40 today, then $40 every year until you cancel. A yearly plan renews automatically on the day you first paid, every year, and Stripe e-mails you before each renewal.
$4 today, then $4 every month until you cancel. A monthly plan renews the same way each month.
You can cancel at any time on the billing page of the app. The plan then runs to the end of the period you paid for and does not renew.
If you are a consumer in Germany, once the first year is over you can cancel a yearly plan at any time with one month's notice, and I refund the part of the year after the cancellation takes effect.
Money-back guarantee and refunds
If you ask within 30 days of your first payment, I refund it in full, no questions asked. The guarantee covers a household's first payment, monthly or yearly.
Forgot to cancel before a renewal? If you have not used Financy since the renewal, ask within 14 days of the charge and I refund it in full and cancel the plan. If you have used it since the renewal, which means you opened the app or wrote to the Financy bot on Telegram, ask within 5 days of the charge and I still refund it in full.
Your rights under the consumer law of the country you live in come on top of these, and these terms never take them away.
When you stop paying
If you cancel or a payment fails, your household keeps its data. You can still read it all and export it, but not add or change anything, until you pay again or the owner deletes the household.
Converted totals are estimates
A total in your base currency is an estimate, made at a published reference rate for the date shown next to it. It can differ from what your bank charged. Each transaction keeps its original amount and currency, and a later rate never changes them.
Your household
The person who creates a household owns it and pays for it. The owner chooses who joins and what each member may change, and is responsible for inviting only people who agree to share the household's finances.
Your data
What you put in Financy stays yours: you can export it or delete it at any time. The privacy page says what is stored, who can see it and for how long.
What is not allowed
- Breaking the law, or storing content that does.
- Sending spam, for example through invitations.
- Attacking the service or other people's accounts.
- Putting other people's financial data in Financy without their permission.
I may suspend accounts that break these rules. Unless the law or an ongoing attack stops me, I tell you first and give you a chance to export your data.
Availability and liability
I work to keep Financy running and your data backed up, but there is no promise that it is always up. Keep your own export of anything you cannot afford to lose.
As far as the law allows, my liability to you is limited to what you paid for Financy in the 12 months before the claim. Nothing here limits liability that the law does not let me limit.
Self-hosting and the AGPL-3.0 licence
Financy's source is on GitHub under the AGPL-3.0 licence. You may run it on your own server for free; that licence, not this page, governs what you may do with the code, and these terms apply only to the cloud.
Law and courts
These terms follow the law of Singapore, and disputes about them go to the courts of Singapore. If you are a consumer, you also keep the protection of the law of the country you live in, and you may take a dispute to its courts.
Changes and questions
- 6 November 2026: the first version, for Financy's cloud.
When these terms change, the new text appears here with its date, and a paying household gets an e-mail before a change that affects it takes effect. The full history is on GitHub. Questions and refund requests go to me at hi@financy.dev.