Terms of Service
These are the rules of the road for using Finn. We've written them in plain English so they're actually readable. The short version is at the top; the details follow.
The short version
Finn is a portfolio tracking app for personal use. By using it, you agree to a few common-sense rules: you're 18 or older, you'll use it for tracking your own finances (not for anything illegal or for resale), and you understand it's an informational tool — not investment advice.
Subscriptions, if you have one, are billed by Apple through the App Store. You can cancel any time. We can stop offering the service or end your access if you misuse it. Disputes are handled under the laws of Washington State.
Read on for the details.
Who this is between
These Terms of Service ("Terms") are an agreement between you and Finn Financial LLC ("Finn," "we," or "us"). They apply when you download, install, or use the Finn iOS app or this website.
By using Finn, you accept these Terms. If you don't agree with something here, please don't use the app.
Who can use Finn
You can use Finn if:
- You're at least 18 years old.
- You have a compatible Apple device and an Apple ID in good standing.
- You're using it for your own personal, non-commercial portfolio tracking.
- Nothing in your local laws stops you from using a financial tracking app.
If you link a brokerage, you'll also need to meet the eligibility rules of your broker and of SnapTrade (the company that powers brokerage linking). Those are between you and them.
Your license to use Finn
We give you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the Finn app on devices you own or control, for your own portfolio tracking. That's it.
You don't get the right to:
- Resell, sublicense, or commercially redistribute the app.
- Reverse-engineer, decompile, or try to extract the source code (except where the law says we can't stop you).
- Use the app to compete with us.
- Strip out our branding or copyright notices.
Everything in the app — the design, the code, the name, the logo — belongs to us or our licensors and is protected by copyright, trademark, and other laws.
No account, your iPhone is the key
Finn doesn't ask you to create an account. There's no email, no password, no social sign-in. Your data lives on your device and syncs across your own Apple devices through iCloud.
That means you're responsible for the security of your iPhone and your Apple ID. If your device is lost or stolen, follow Apple's standard procedures (Find My, remote wipe, password change). We can't recover or restore data from a device we never had.
Linking a brokerage
Finn can connect to your brokerage account through SnapTrade, a third-party service that handles broker connections for many apps. When you link an account, SnapTrade authenticates you with your broker — we never see your broker login.
Finn is not a broker, dealer, investment adviser, or registered financial institution. We don't execute trades, hold cash or securities, or transfer money. Your relationship with your broker is unchanged by using Finn, and is governed entirely by your broker's own agreements with you.
SnapTrade has its own terms and privacy policy. By linking a brokerage, you also agree to those.
Subscriptions and payments
Some features of Finn may be free, and others may require a paid subscription or one-time purchase. Current pricing is shown in the app before you buy.
How billing works
All payments are processed by Apple through the App Store using the payment method tied to your Apple ID. We don't see your card number or handle the charge ourselves. By subscribing, you also agree to the Apple Media Services Terms.
Auto-renewal
Subscriptions renew automatically at the end of each billing period (monthly, yearly, or whatever you chose) at the then-current price, unless you cancel at least 24 hours before the end of the current period. Apple will charge your Apple ID for the renewal within 24 hours of the end of the period.
Free trials
If we offer a free trial, you'll be billed automatically when the trial ends unless you cancel at least 24 hours before then. The terms of any specific trial offer will be shown at the time you start it.
Managing or cancelling
You can manage your subscription, see the next renewal date, or cancel at any time in Settings → [your name] → Subscriptions on your iPhone. Cancellation stops future renewals; you'll keep access for the rest of the current billing period.
Refunds
All refund requests are handled by Apple under their standard App Store refund policy. We can't issue refunds directly, but if you've had a problem with the app, please write to us — we'll do our best to help, including by supporting your refund request with Apple where appropriate.
Price and feature changes
We may change prices or features over time. If your price is going up at renewal, Apple will notify you in line with their policies, and you'll have the chance to cancel before the new price takes effect.
Acceptable use
When using Finn, please don't:
- Use it for anything unlawful, fraudulent, or harmful.
- Try to break, disrupt, or overload the app or our backend services.
- Scrape, harvest, or systematically copy data from our APIs or from third-party data we display (market data is licensed for your personal use only).
- Try to access another user's data or impersonate another user.
- Bypass or disable security features, app locks, or rate limits.
- Use the app to build a competing product.
If you do any of this, we may suspend or end your access to the app, with or without notice, depending on the situation.
Market and brokerage data
Prices, fundamentals, news, and other market data come from third-party providers. Brokerage data — your transactions and holdings — comes from your broker via SnapTrade.
We do our best to display accurate, timely information, but we can't guarantee it. Data may be delayed, incomplete, or wrong. Finn is not the official record of your account — your broker's statements and confirmations are. Always check those before making decisions based on what you see in Finn.
Not financial advice
Important: Finn is an informational tool. It is not investment, tax, accounting, or legal advice, and using it doesn't create an advisory relationship between you and us.
Charts, projections, retirement calculators, valuation analyses, insights — all of it — are educational tools, not recommendations. They reflect the assumptions you (or we, by default) put in. Past performance doesn't predict future results. Investing involves risk, including the risk of losing money.
Talk to a licensed financial advisor before making decisions that matter. Your investment choices, and their consequences, are yours.
Disclaimers and limits on liability
We have to include a couple of legal paragraphs here. The substance: we provide Finn as-is, and our liability is capped.
As-is, no warranties
To the maximum extent allowed by law, Finn and its content are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory. We don't promise the app will always be available, error-free, secure, or fit for any specific purpose.
Limit on what we owe you
To the maximum extent allowed by law, our total liability to you for any claim arising from these Terms or your use of Finn won't exceed the greater of (a) the amounts you paid us for the app in the 12 months before the claim, or (b) USD $50.
We're not liable for indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or investment losses — even if we knew they were possible. Some jurisdictions don't allow these limits, so they may not apply to you.
Indemnification
If a third party brings a claim against us because you misused Finn, broke these Terms, or violated someone's rights, you agree to cover our reasonable costs of defending and resolving it (legal fees included). We'll tell you about any such claim and let you participate in the defence.
Ending things
You can stop using Finn any time by uninstalling the app. Cancellation of any active subscription is handled in your Apple ID settings, as described above.
We can suspend or end your access to the app — with or without notice — if you break these Terms, if continuing to provide the service exposes us or other users to legal or security risk, or if we discontinue the app entirely. The sections of these Terms that should reasonably survive (intellectual property, disclaimers, limits on liability, indemnification, governing law) will keep applying after your access ends.
Governing law and disputes
These Terms are governed by the laws of the State of Washington, USA, without regard to its conflict-of-laws rules. Any dispute that we can't resolve informally will be brought in the state or federal courts located in King County, Washington, and you and we both agree to the exclusive jurisdiction of those courts.
Talk to us first
Before filing anything formal, please email privacy@finnfinancial.co with a description of the problem. We'll work in good faith to resolve it. Most things can be sorted out with a conversation.
Changes to these terms
We may update these Terms from time to time. When we do, we'll update the "last updated" date at the top of this page. For changes that meaningfully affect your rights, we'll give you advance notice in the app or by another reasonable means before they take effect. Your continued use of Finn after a change means you accept the updated Terms.
Contact
Questions about these Terms, billing, account access, or anything else? Email us. A real person will write back.