Terms and Condition for Finny

Effective Date: 24 May 2025
Legal Entity: ThinkFinny Tech Labs Private Limited
Products: Finny Mobile App · Finny Websites (finny.club · finny.money)

1. Acceptance of Terms

By downloading, accessing, or using the Finny mobile app or websites, you agree to these Terms and Conditions.
If you do not agree, refrain from using our services.

2. Services Offered

Finny operates under SEBI-registered investment advisor licence, offering:

  • FIRE and Goal-based financial planning
  • Investment advice compliant with SEBI regulations
  • Tax advisory and filing services
  • Lending advisory services
  • Insurance advisory services
  • Data aggregation via regulated consent (e.g., Account Aggregator, EPFO, Credit Bureaus)

Our services are tailored to help you make informed, compliant financial decisions aligned with your goals.

3. User Eligibility

You must be 18 years or older and legally capable of entering into contracts under applicable laws.

4. Account Registration

For personalized services, you may need to register. You agree to:

  • Provide accurate, complete information
  • Keep your login credentials secure
  • Notify us immediately of any unauthorized use

5. Permissions and Data Usage

Finny may request access to:

  • SMS (for OTP autofill – optional)
  • Personal & financial data, with your explicit consent
  • EPFO & Credit Bureau data in compliance with regulations

We handle your data in accordance with our Privacy Policy.

6. Nature of Advice and Fiduciary Responsibility

As a SEBI-registered advisor, Finny operates under regulations requiring us to:

  • Act in your best interest
  • Provide transparent, risk-informed investment advice
  • Tailor recommendations to your financial profile

Please note: All investments carry risks. Past performance does not guarantee future returns. Regular reviews with our advisors are encouraged.

7. Proprietary FIRE Age and FIRE Corpus Estimates

Finny provides indicative estimates for your FIRE (Financial Independence, Retire Early) age and corpus. These are based on current models and assumptions and are not guaranteed.

We disclaim any liability for decisions made based on these figures. They should be viewed as guidance, not as absolute projections.

8. Restrictions

You agree not to:

  • Copy, modify, or redistribute Finny content
  • Reverse-engineer or tamper with the app
  • Use services fraudulently or unlawfully

9. Intellectual Property

All content, trademarks, and proprietary materials are the exclusive property of ThinkFinny Tech Labs Private Limited.

10. Limitation of Liability

While we aim for accuracy and compliance, Finny is not liable for financial losses incurred from the use of our services.
Financial markets involve risks beyond our control.

11. Termination

We may suspend or terminate access if you violate these Terms or misuse our services.

12. Modifications

These Terms may be updated from time to time. You’ll be notified via:

  • Email
  • In-app alerts

Your continued use signifies acceptance of the updated Terms.

13. Governing Law

These Terms are governed by Indian law, with all disputes subject to the jurisdiction of courts in Bengaluru, Karnataka.

14. Contact Us

ThinkFinny Tech Labs Private Limited
📧 Email: support@finny.club
📞 Phone: +91 95351 11775
🏢 Address: 17143, Prestige Lakeside Habitat, Gunjur, Bengaluru – 560087