Terms Of Service

Terms Of Service

Last updated: December 20th, 2025

1. Introduction

Welcome to FinnApp.AI, operated by Virtual Businesses Rodriguez Balma S.A. By accessing and using our website, you agree to comply with these Terms and Conditions of Service. We recommend that you carefully read this document to fully understand your rights and obligations as a user. These terms set forth the conditions under which you may use our platform and the services offered. If you do not agree to any part of these terms, we kindly ask that you refrain from using our services.

2. Availability of the FinnApp.AI App (Web & Mobile)

The FinnApp.AI web application is now available at https://app.finnapp.ai. Although the mobile application is not currently available in the app stores, as it is in the registration process, it can be installed on mobile devices and desktop PCs as a Progressive Web App (PWA). The website also provides access to educational resources and tools designed to improve personal and family financial management.

3. Important Disclaimers

4. Privacy

The use of our services is subject to our Privacy Policy, which details how we collect, use, and protect your personal information. By using FinnApp.AI, you agree to our privacy practices and the processing of your data as outlined in our policy. We are committed to safeguarding your information and using it only for the purposes described in our policy.

5. Intellectual Property

All content available on FinnApp.AI, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations, and software, is the property of FinnApp.AI or its licensors and is protected by applicable intellectual property laws, including copyright, trademark, and patent laws. Copying, modification, distribution, transmission, display, reproduction, publication, licensing, or unauthorized use of our content without the express written consent of FinnApp.AI is strictly prohibited and may result in civil and criminal penalties.

6. Limitation of Liability

The content provided on FinnApp.AI is intended solely for informational and educational purposes. While we make every effort to ensure the quality, accuracy, and relevance of the content, we do not guarantee that it is suitable for your specific needs or circumstances. Consequently, any financial actions undertaken by the user based on the information available on this site are at their own responsibility and risk.

FinnApp.AI shall not be liable for direct, indirect, incidental, special, consequential, or punitive losses or damages resulting from the use or inability to use our services. The app provides financial information and suggestions based on user-provided data; however, final decisions are solely the responsibility of the user. FinnApp.AI is not a financial advisor and does not guarantee specific results. We recommend carefully evaluating the suggestions provided and consulting a financial professional if necessary.

Information from ChatGPT: The interaction with ChatGPT within our platform is based on artificial intelligence and machine learning technologies. The information and responses provided by ChatGPT may contain errors or inaccuracies due to AI "hallucinations" or limitations in the model's training data. FinnApp.AI does not guarantee the accuracy, completeness, reliability, or usefulness of the information provided by ChatGPT and is not liable for errors, omissions, or incorrect interpretations resulting from its use. The user agrees to rely on such information at their own risk and is solely responsible for verifying its accuracy and applicability to their personal situation before taking any action.

We are not responsible for errors or omissions in the provided information, nor for technical problems, service interruptions, or system failures that may arise during the use of the platform. Use of FinnApp.AI is at your own risk and responsibility.

7. Disclaimer of Liability

By using this site, you agree to release, indemnify, and hold harmless FinnApp.AI, its operating entity, directors, officers, employees, agents, and affiliates from any and all claims, demands, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees), whether contractual, extracontractual, or of any other nature, that arise as a result of your use of the content or services available on this website, your violation of these Terms of Service, or your violation of any rights of another party.

8. Acceptable Use Policy

By using FinnApp.AI, you agree not to:

• Use the service for any unlawful purpose or in violation of any applicable laws or regulations.
• Attempt to gain unauthorized access to our systems, other users' accounts, or any data not intended for you.
• Interfere with or disrupt the integrity or performance of the service.
• Upload or transmit viruses, malware, or any other malicious code.
• Use automated systems (bots, scrapers) to access the service without our express permission.
• Impersonate any person or entity or misrepresent your affiliation with any person or entity.
• Use the service to harass, abuse, or harm others.
• Share your account credentials with others or allow others to access your account.

Violation of this acceptable use policy may result in immediate termination of your account.

9. Service Termination

We reserve the right to suspend or terminate your access to FinnApp.AI at any time, with or without notice, if we determine that you have violated these Terms of Service, engaged in fraudulent or illegal activities, or if your conduct negatively affects the operation of the platform or the experience of other users. Upon termination, your right to use our services will immediately cease. Such termination will not imply any liability on the part of FinnApp.AI, and we shall not be obligated to refund any fees or provide any compensation.

10. Amendments to Terms and Conditions

FinnApp.AI reserves the right to modify, update, or delete the terms and conditions described herein at any time. Such modifications will take effect upon their publication on this page. We may notify you of significant changes through our website or via email. Users are encouraged to periodically review this document to stay informed of any changes. Your continued use of our services after any modifications constitutes your acceptance of the revised terms.

11. Governing Law and Jurisdiction

These terms and conditions shall be governed by and construed in accordance with the laws of the Republic of Costa Rica, without regard to conflict of laws provisions. Any disputes arising from the use of this site shall be submitted to the competent courts of the Republic of Costa Rica. You agree to submit to the personal jurisdiction of such courts.

12. Contact

If you have questions, concerns, or comments about these Terms of Service, you can contact us:

• Email: info@finnapp.ai
• Address: Virtual Businesses Rodriguez Balma S.A., Guachipelin, Escazu. San Jose, Costa Rica

We are committed to providing you with the necessary support and responding to your inquiries within 48 hours.