These Terms of Service ("Terms") apply to the Finance Universe app and the website financeuniverse.app (together, "Finance Universe"). Finance Universe is provided by the developer shown as the trader on the Finance Universe listing in Google Play ("we", "us"). By installing or using Finance Universe you agree to these Terms. If you do not agree, please do not use it.
1. Who can use Finance Universe
Finance Universe is intended for people aged 18 and over. You may use it only if you can form a binding contract where you live. If you download it from Google Play, the Google Play Terms of Service also apply to your download and to any purchase you make through Google Play.
2. What Finance Universe does
Finance Universe helps you record income and expenses, plan budgets and savings goals, track bills and recurring payments, and see estimates of your cash position. You can use the core app without creating an account. Some optional features, such as cloud backup, receipt-scan allowances, Premium verification, programmes and Shared Circles, need a Google sign-in and an internet connection.
3. Not financial advice
Finance Universe is a personal record-keeping and planning tool. It does not provide financial, investment, tax, legal or credit advice, and it is not a bank, payment service or lender.
Figures such as Safe to Spend, cash runway, Purchase Check results, What-if scenarios, debt calculations and forecasts are estimates. They are calculated only from the information you enter or confirm and the assumptions you choose, such as expected pay, payday and buffer. They can be wrong if that information is incomplete, out of date or inaccurate. You are responsible for your own financial decisions. Please check important figures with your bank statements and, where appropriate, a qualified adviser.
4. Bank alerts and receipt scanning
With your permission, Finance Universe can read supported bank debit SMS alerts and recognise text on receipts, on your device, to suggest transactions. Recognition can miss messages or read amounts, currencies, dates or merchants incorrectly. Nothing is saved until you confirm it, and you are responsible for reviewing each suggestion before you add it. You can turn these features off at any time.
5. Your data and backups
Your financial records are stored on your device. How we handle information is explained in our Privacy Policy, and how to remove it is explained on our data deletion page.
You are responsible for keeping your device secure and for keeping backups. If you use encrypted backups, keep your backup recovery passphrase safe: we cannot recover it, and without it an encrypted backup cannot be restored. Uninstalling the app or clearing its storage can permanently delete records that you have not backed up.
6. Free features and Premium
Many features are free, including expense and income tracking, the Planner (budgets, savings goals and income timing), recurring payments and bill reminders, currency ledgers, widgets and local backups. Premium unlocks additional features, which are described in the app and on this website.
Premium subscriptions are sold through Google Play. The price, billing period and any trial or introductory offer are shown in Google Play before you confirm, in the currency Google Play uses for your country. Subscriptions renew automatically until you cancel. You can cancel at any time in Google Play under Payments & subscriptions; cancellation takes effect at the end of the current billing period. Payments, refunds and billing disputes are handled by Google Play under its policies, except where the law gives you other rights.
When Premium access ends, Premium features lock again. Your records remain stored on your device.
7. Programmes, invitations and passes
From time to time we may offer programmes such as First Flight 300, invitation rewards, complimentary access or starter trials. Each one has its own eligibility rules, limits and end dates, which are shown in the app and form part of these Terms. Programme benefits are personal, cannot be transferred and have no cash value. One introductory benefit is available per person, Google account and email address unless the programme says otherwise. We may refuse or withdraw a benefit obtained through multiple accounts, automation, device or clock manipulation or other abuse.
Where offered, an optional short rewarded video opens Money Map or Habits for 15 minutes, up to three times a day for each feature. Watching is always optional. Ads are provided by third-party ad networks under their own terms.
8. Shared Circles and payment requests
If you use Shared Circles, the bills, payments, names and other details you add to a circle are visible to its members. Only invite people you trust, and only add information you are entitled to share. Balances in a circle are a record kept by its members; they are not a legal debt determination.
Payment requests create links or QR codes for payment apps and services such as UPI, PayPal or bank transfer. Finance Universe does not process, hold or guarantee any payment. Payments are made in the third-party service you choose, under its terms.
9. Acceptable use
You agree not to: use Finance Universe for anything unlawful; interfere with, overload or attempt to gain unauthorised access to our online services; reverse engineer the app or our services except where the law allows; misuse invitations, codes, allowances or programmes; or use Finance Universe to harass others or to share content you have no right to share.
10. Third-party services
Finance Universe works with services provided by others, including Google Play, Google sign-in, Google Drive, Apple iCloud, payment apps and advertising networks. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.
11. Our rights and your licence
Finance Universe, including its design, software, text, graphics and logos, belongs to us and is protected by intellectual property laws. We grant you a personal, non-exclusive, non-transferable and revocable licence to use the app for your own personal, non-commercial purposes in line with these Terms. The records you create remain yours.
12. Changes and availability
We improve Finance Universe regularly and may add, change or remove features. Online features depend on internet connections and third-party services and may sometimes be unavailable. We will try to give reasonable notice before removing a paid feature you are currently paying for.
13. Disclaimers
To the extent permitted by law, Finance Universe is provided "as is" and "as available". We do not promise that it will be error-free, uninterrupted, or that estimates and recognised data will be accurate. Nothing in these Terms affects rights you have as a consumer that cannot be excluded or limited by agreement.
14. Limitation of liability
To the extent permitted by law, we are not liable for indirect or consequential loss, or for loss of profits, savings, data or opportunity, arising from your use of Finance Universe, including decisions you make based on its estimates. To the extent permitted by law, our total liability to you for any claim relating to Finance Universe is limited to the amount you paid for Premium in the 12 months before the claim arose. Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud.
15. Ending use
You can stop using Finance Universe at any time by uninstalling the app and cancelling any subscription in Google Play. We may suspend or end your access to online features if you seriously or repeatedly breach these Terms, or where we are required to by law.
16. Governing law
These Terms are governed by the laws of the country where we are established, as shown on our Google Play listing. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you may bring proceedings in your local courts where the law allows.
17. Changes to these Terms
We may update these Terms as Finance Universe changes or the law requires. We will publish the updated Terms on this page with a new effective date, and for significant changes we will also let you know in the app. If you continue to use Finance Universe after changes take effect, the updated Terms apply.
18. Contact
Questions about these Terms: archer.supportdesk@gmail.com