Terms of Service

These Terms of Service set out the rules for using the Finanse Menadżer web application (the "App"), available at finanse.app, including the rules for entering into and performing contracts for electronic services and the paid subscription contract.

This is an English translation provided for your convenience. The Polish version is the governing text; in case of any discrepancy, the Polish version prevails.

The Service Provider and Data Controller under these Terms is Rafał Prokopiak, operating a sole proprietorship at Gdańska 31, 85-005 Bydgoszcz, Poland, Tax ID (NIP): PL96 7149 7564, Business Registry No. (REGON): 544 474 171, e-mail: [email protected] (the "Provider").

Throughout these Terms:

• User means a natural person using the App, including a Consumer and a natural person entering into a contract directly related to their business activity, where the content of that contract shows it has no professional character for that person;
• Consumer means a User who is a consumer within the meaning of Article 22¹ of the Polish Civil Code;
• Account means the set of resources and settings created for a User within the App upon registration;
• Project means the space within the App in which a User and the people they invite manage a shared budget;
• Subscription means the paid service covering a Project as a whole, described in section 6; it may be preceded by a free trial period.

Through the App, the Provider offers the following services:

• maintaining a User Account and enabling sign-in (including via a Google account);
• manually entering, categorizing, and storing financial transactions, budgets, accounts, and templates within a Project;
• real-time data synchronization across a User's devices;
• sharing a Project between multiple Users (a family, a household) at no additional charge per person;
• optional push notifications and an optional connection to external AI assistants (MCP).

The App does not connect to a User's bank accounts and does not pull data from them — all transactions are entered manually. Viewing the data you have entered is free; adding and editing data requires an active Subscription, described in section 6.

Using the App requires:

• a device with internet access;
• an up-to-date web browser with JavaScript and the cookies necessary for operation enabled (section 9 of the Privacy Policy);
• an active e-mail address (for registration and Account-related communication).

The App can be installed as a Progressive Web App (PWA) and, after the first load, work partially offline, with data synchronizing once the internet connection is restored.

By using the App, the User agrees to:

• provide true and current information when registering;
• not enter unlawful content into the App (including in transaction notes, category names, or Project names), including content that infringes third-party rights, is offensive, or is contrary to good practice;
• not undertake actions that could disrupt the App's operation or compromise its integrity or security (e.g. attempting unauthorized access to other Users' data);
• use the App in line with its purpose, i.e. managing personal and family finances.

If the Provider receives a report or credible notice that data entered by a User is unlawful, the Provider may restrict access to that data, following the procedure described in section 13.

The contract for electronic services (creating and maintaining an Account) is concluded once registration is completed and these Terms and the Privacy Policy are accepted. This contract is concluded for an indefinite period.

A User may terminate the Account contract at any time by contacting the Provider at [email protected] or through the /kontakt form. Terminating the Account contract is equivalent to requesting deletion of data, as described in section 5 of the Privacy Policy.

The Subscription contract is a separate contract, concluded when the order is placed through the Stripe payment processor, on the terms described in section 6. Payment is taken immediately after the contract is concluded. The free trial period requires no order and does not conclude a Subscription contract. The Provider may restrict or terminate the contract in the event of a material breach by the User of section 4, after first calling on the User to stop the breach.

Viewing the data you have entered in the App is free and remains available at all times. Adding and editing data — transactions, accounts, categories, templates and recurring transactions — requires an active Subscription, regardless of how many people are in the Project, including where the User uses the App alone. The Subscription is billed as a single flat fee covering the whole Project — it does not depend on the number of people in the Project or on the number of Projects the User keeps — on a monthly or annual cycle, in line with the pricing shown in the App before the order is placed.

Prices shown in the App are gross prices, inclusive of applicable VAT. Payments are handled by the Stripe payment processor. The Provider does not store the User's card details.

The Subscription renews automatically for the same billing period unless the User cancels it before the end of the current period. The Subscription can be cancelled at any time, without giving a reason, in Settings (Settings → Subscription) — cancellation takes effect at the end of the paid billing period, at no extra cost.

New Users are given a 45-day free trial, which starts when the Account is created and does not require a payment card. No fee is charged during the trial period and no Subscription contract is concluded by starting it. When the trial ends, adding and editing data stops being available until the User places a Subscription order of their own accord; the data entered remains available for viewing and export.

If you are a Consumer, you have the right to withdraw from the Subscription contract within 14 days of concluding it, without giving a reason and without incurring costs, subject to the rules below.

To exercise the right of withdrawal, inform the Provider of your decision by an unequivocal statement — e.g. by e-mail to [email protected] or using the model form below. To meet the deadline, it is enough to send the statement before it expires.

Provision of the Subscription service begins immediately upon conclusion of the contract. If, during checkout, you expressly requested that the service begin before the withdrawal period ends, and you subsequently withdraw, you will pay the Provider an amount proportionate to the extent of the service provided up to the moment of withdrawal, calculated against the full scope of the service under the contract. Any remaining amount will be refunded to you.

If withdrawal takes place during the free trial, before any payment has been taken, the User owes nothing.

The right of withdrawal described in this section also applies to a User who is a natural person entering into the contract directly related to their business activity, where the content of that contract shows it has no professional character for that person (Article 38a of the Polish Consumer Rights Act).

Complaints about the operation of the App or the Subscription can be submitted to [email protected] or through the /kontakt form, describing the issue and providing contact details for a response.

The Provider reviews complaints and responds no later than 14 days after receiving them.

A Consumer may use out-of-court means of pursuing complaints and claims, in particular:

• mediation or the permanent arbitration court at the competent Provincial Trade Inspectorate (Wojewódzki Inspektorat Inspekcji Handlowej);
• free assistance from a district (municipal) consumer ombudsman or a consumer organization (e.g. Federacja Konsumentów);
• assistance from the President of the Office of Competition and Consumer Protection (uokik.gov.pl), including its register of entities authorized to conduct out-of-court consumer dispute resolution.

Consumers from other EU countries may use the European Consumer Centre (konsument.gov.pl). The Provider has not committed to using out-of-court consumer dispute resolution, which does not exclude the Consumer's right to use the options above.

The Provider ensures that the App conforms with the contract — in particular, that it has the described functionality, compatibility, and interoperability, and is supplied with updates, including security updates, necessary to keep it in conformity for the duration of the Subscription.

If the App is not in conformity with the contract, the Consumer has the rights set out in chapter 5b of the Polish Consumer Rights Act — first, the right to have the App brought into conformity, and failing that, the right to a price reduction or to withdraw from the contract. Notices in this regard are handled under the procedure described in section 8.

The Provider may change these Terms for important reasons (e.g. a change in the scope of services, a change in the law, a change in the Provider's details). The Provider will inform Users of a planned change with reasonable notice — by e-mail and by an in-App notice — stating the effective date of the new version.

A change to the Terms does not affect rights the User acquired before it took effect. If the User does not accept the new content of the Terms, they may terminate the contract under the rules described in section 5.

Polish law governs contracts entered into under these Terms. This choice does not deprive a Consumer of the protection afforded by provisions that cannot be derogated from by agreement under the law of the country in which the Consumer has their habitual residence (Article 6(2) of Regulation (EC) No 593/2008, Rome I).

Under Regulation (EU) No 1215/2012, a Consumer may bring claims before the court competent for their place of residence, regardless of the Provider's registered address.

For matters relating to these Terms, the App, or the Subscription — including matters concerning content posted by Users and the rules described in section 4 — please get in touch: