About FinEpoch
These terms cover your use of FinEpoch at finepoch.com. FinEpoch helps you pause purchases, record savings and track personal goals. For service questions, contact aksayatakan7@gmail.com.
FinEpoch is not a bank, investment service or financial adviser. It does not hold your savings, transfer money to your goals or connect to your bank account. Insights and simulations are informational estimates, not financial advice or guaranteed results.
Your account and responsibilities
Provide accurate account information, protect your password and use only an account you are authorised to access. You must meet the legal age and capacity requirements applicable to you; where required, obtain a parent or guardian’s permission. Only purchase a subscription if you can legally enter into that transaction.
Do not misuse the service, bypass plan limits, interfere with security, scrape other users’ data or upload unlawful content. You retain ownership of the content you enter and allow us to process it only as needed to operate the service.
Your records and calculations
Reports reflect only information entered into FinEpoch. A declined purchase is potential savings, not money actually set aside. Real savings are amounts you explicitly record. You remain responsible for checking your records and making your own purchase and saving decisions.
Free and Pro plans
Accounts start on the Free plan. The pricing page describes the features and limits of each plan. Pro is offered on a monthly or yearly basis; the checkout shows the selected billing period, total price, currency and applicable taxes before payment.
Paid purchases are processed by Paddle as merchant of record and are also subject to Paddle’s buyer terms. A subscription renews automatically for the selected period unless cancelled before renewal. Manage or cancel it through Settings or the Paddle customer portal linked in your receipt. Cancelling renewal normally leaves access until the end of the paid period; it does not itself request a refund.
Pro access depends on the subscription status confirmed by Paddle. After access ends, Free plan limits apply; additional goals may be paused rather than deleted. We do not promise that payment processing is available in every country or for every payment method.
Cancellation, refunds and account deletion
Our Refund Policy explains how to request a refund or exercise applicable withdrawal rights. Mandatory consumer rights are not excluded by these terms.
You can export your data and request permanent account deletion in Settings. Deletion removes your account and associated application records; the application first attempts to cancel any renewable Paddle subscription. Do not assume deletion succeeded if an error is shown. Paddle may retain transaction records independently for its legal obligations.
Availability and changes
We work to keep FinEpoch available, but interruptions, maintenance and errors may occur. Keep your own copies of important records. Features and terms may change; material subscription changes remain subject to applicable notice and consent requirements.
To the extent permitted by applicable law, we do not guarantee uninterrupted service or any particular savings outcome. Nothing here excludes liability or remedies that cannot lawfully be excluded, including mandatory consumer protections. These terms do not require you to give up rights available under the laws of your country of residence.
Questions and complaints
Contact aksayatakan7@gmail.com about these terms, account access or a complaint. For a payment issue, you can also contact Paddle at paddle.net. We aim to resolve concerns directly without limiting your right to seek help from a competent authority or court.