Terms of Service

YFINIQ is a tool for recording and understanding your own finances. You enter your data; YFINIQ organises it and can answer questions about it.

• YFINIQ is not a bank and does not hold, move, or have access to any money.
• YFINIQ is not regulated as a financial institution or payment service.
• YFINIQ does not provide financial advice. Nothing in the app or from the assistant is advice, a recommendation, or a professional opinion. Decisions about your money are yours.
• YFINIQ does not connect to your bank. There is no account aggregation, and YFINIQ never asks for banking credentials. If anything claiming to be YFINIQ asks for them, it is not us.

YFINIQ is early-access software provided free of charge. There is no subscription, no billing, and no payment method on file. Features may change or be removed, and the service may be unavailable at times.

Please keep your own copy of anything important. The export feature exists partly for this reason.

You must be 18 or older. You are responsible for keeping your password secure and for activity that happens under your account. One account is for one person; please do not share credentials.

Use YFINIQ for your own finances, lawfully. Do not attempt to access anyone else’s data, disrupt the service, or use it to break the law.

The assistant sends your data to third-party AI providers to answer questions — see the Privacy Policy for who they are and what they receive. Using the assistant is optional and the rest of YFINIQ works without it.

AI output can be wrong. It may misread your data, miscalculate, or state something confidently and incorrectly. Check anything that matters before acting on it.

The assistant can change your data on your instruction — adding a transaction, editing a budget. Destructive actions ask you to confirm first. Actions you confirm are your responsibility, and most deletions can be undone from the conversation if you act promptly.

Your data is yours. YFINIQ claims no ownership of what you enter and does not sell it or use it for advertising.

You can export everything or delete your account at any time from Settings → Privacy. Deletion is permanent and immediate.

You can stop at any time by deleting your account. YFINIQ may suspend or close an account that is being used to break these terms or to harm the service or other people. If that happens and it is not urgent, you will be given a chance to export your data first.

YFINIQ is provided “as is”, without warranties of any kind, to the fullest extent the law allows. It is free, early-access software maintained by a very small team, and it may contain errors.

To the fullest extent permitted by law, YFINIQ is not liable for financial losses, lost data, or other damages arising from your use of the service, including from AI output that turns out to be incorrect. Some jurisdictions do not allow these exclusions, in which case they apply only as far as the law permits.

These terms may change; the date at the top will change with them. Continuing to use YFINIQ after a change means accepting the updated terms.

Questions: privacy@YFINIQ.com. For account data specifically, the in-app export and deletion controls act immediately and do not depend on anyone answering an email.

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TODO: Founder to replace the above placeholders with real legal entity details.