Terms of Service

Orwin is a portfolio tracker for personal use, made by Finn Financial LLC in Washington. By using it you agree that you are 18 or older, that you use it to track your own finances, and that it is an informational tool, not investment advice. Orwin Pro is an optional subscription billed by Apple, cancel any time. Disputes are handled under Washington law, in Spokane County. If you do not agree with something here, please do not use the app.

These Terms of Service (the "Terms") are a binding agreement between you and Finn Financial LLC ("Finn Financial", "we", "us"), a Washington limited liability company with its principal place of business in Spokane, Washington. They govern your download, installation, access to, and use of the Orwin iOS application (the "App"), the website at finnfinancial.co (the "Site"), and the backend services that support the App (together, the "Services"). The Privacy Policy is incorporated by reference. By using the Services you accept these Terms. If you do not agree, you may not use the Services.

You need to be at least 18, have a compatible iPhone and an Apple ID in good standing, and use Orwin for your own personal, non-commercial portfolio tracking. We give you a personal, revocable license to install the app on devices you own. You may not resell it, reverse-engineer it, use it to build a competitor, or strip our branding. The app, its design, its name, and its logo belong to us.

To use the Services you must be at least 18 years of age, have a compatible Apple device and an Apple ID in good standing, use the Services solely for your own personal, non-commercial portfolio tracking, and not be prohibited from using them under any applicable law. Use of brokerage linking is additionally subject to the terms of your brokerage and of SnapTrade.

Subject to these Terms, Finn Financial grants you a personal, limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on Apple devices you own or control, in accordance with the Apple Media Services Terms and Conditions. You may not sell, rent, sublicense, or distribute the App; reverse engineer, decompile, or attempt to derive its source code except where applicable law expressly permits; use the Services to build a competing product; remove proprietary notices; or copy, modify, or create derivative works of the App. The Services and all associated content, software, designs, names, logos, and trademarks are owned by Finn Financial or its licensors. All rights not expressly granted are reserved.

Orwin has no accounts, no passwords, and no sign-in. Your data lives on your iPhone and in your own iCloud, and our servers know your phone only by an anonymous identifier. That means you are responsible for the security of your iPhone and Apple ID. If a device is lost, follow Apple's standard steps. We cannot recover data we never had, and we cannot restore an anonymous account you have deleted.

The Services do not provide user accounts. Data you enter is stored on your device and, where you are signed in to iCloud, in your iCloud account, and the Services identify your device through Apple App Attest and a pseudonymous identifier as described in the Privacy Policy. You are solely responsible for the security of your Apple devices and Apple ID. We have no ability to recover, restore, or reconstruct data stored on your device or in your iCloud account, or to restore a pseudonymous identifier after you delete your data, and we have no liability for loss of such data.

With Orwin Pro you can connect a brokerage through SnapTrade. You sign in with your broker on SnapTrade's page, and we never see your login. By linking, you also accept SnapTrade's terms.

Orwin is not a broker, adviser, or bank. It reads your account; it never trades, holds money, or moves it. Your relationship with your broker is unchanged. If Pro ends, brokerage sync stops, and 7 days later our servers delete your SnapTrade user and the credential we stored. If a payment fails, Apple's 16-day grace period comes first. Transactions already in your portfolio stay put.

Orwin Pro subscribers may connect brokerage accounts through SnapTrade, a third-party brokerage connectivity service. You authenticate directly with your brokerage on SnapTrade's portal, and Finn Financial does not receive or store your brokerage credentials. Your use of SnapTrade is subject to SnapTrade's terms of service and privacy policy, which you accept by linking a brokerage.

Finn Financial is not a broker-dealer, investment adviser, bank, custodian, or other regulated financial institution. The Services are read-only with respect to your brokerage accounts and do not place orders, hold funds or securities, or transfer money. Nothing in these Terms alters your agreements with your brokerage. If your Orwin Pro subscription ends, including at the end of any billing grace period, brokerage synchronization ceases, and 7 days later the Backend deletes your SnapTrade user and stored brokerage credential. Previously imported transactions remain on your device. We are not responsible for the availability, accuracy, or continuity of any brokerage connection, which depends on SnapTrade and your brokerage.

The core of Orwin is free. Orwin Pro is an auto-renewing subscription, monthly or yearly, that adds brokerage sync, the live intraday portfolio chart, and the full detail behind each insight. Without Pro, the portfolio chart shows prices as of the last daily close. Family Sharing is not available for Pro. Prices are shown in the app before you buy.

Apple handles the billing with the payment method on your Apple ID, and we never see your card. New subscribers get a free trial, currently seven days, and are billed when it ends unless they cancel at least 24 hours before. Subscriptions renew automatically unless you cancel at least 24 hours before the period ends, in Settings, your name, Subscriptions on your iPhone. You keep Pro for the rest of the period you paid for. Refunds go through Apple. If you have had a problem, write to us and we will help you make the case.

The App's core functionality is provided free of charge. "Orwin Pro" is an optional auto-renewing subscription, offered in monthly and yearly periods, that enables brokerage synchronization, the intraday portfolio chart, and expanded insight detail. Without Orwin Pro, the portfolio chart reflects the most recent daily close. Orwin Pro is not eligible for Apple Family Sharing. Current pricing is displayed in the App prior to purchase.

Orwin Pro is purchased through the Apple App Store and billed by Apple to the payment method associated with your Apple ID. Finn Financial does not receive or process your payment details, and purchases are also subject to the Apple Media Services Terms and Conditions. Subscriptions may include an introductory free trial, currently seven days, for eligible new subscribers; unless cancelled at least 24 hours before the end of the trial, the subscription converts to a paid subscription. Subscriptions renew automatically for successive periods of the same length at the then-current price unless cancelled at least 24 hours before the end of the current period, and Apple charges for renewal within 24 hours before the period ends. You may manage or cancel a subscription in your Apple ID subscription settings; cancellation takes effect at the end of the current period, and no partial refunds are provided. Refunds are administered exclusively by Apple under the App Store refund policy. We may change pricing or the features included in Orwin Pro; price changes take effect at the next renewal following notice given in accordance with Apple's policies.

Do not use Orwin for anything unlawful, try to break or overload our services, scrape or redistribute the market data we display (it is licensed for your personal use), try to reach another user's data or impersonate another device, bypass security or rate limits, or use the app to build a competitor. If you do, we may suspend or end your access, with or without notice.

You agree not to, and not to permit or assist any third party to: use the Services for any unlawful, fraudulent, or harmful purpose; interfere with, disrupt, overload, or attempt to gain unauthorized access to the Services or the systems on which they run; scrape, harvest, or systematically extract data from the Services or from third-party data displayed in the App, or redistribute such data, which is licensed for your personal use only; access or attempt to access data belonging to another user, forge, replay, or tamper with device attestations or request signatures, or misrepresent the identity of a device; circumvent security features, access controls, or rate limits; or use the Services to develop a competing product. We may suspend or terminate access to the Services, with or without notice, for any violation of this Section.

The Insights, the Tools (Outlook, the FIRE projection, Tax-Smart Sell, Compare Stocks), the projections, and the sample data are educational, built on assumptions you or we supplied. Tax-Smart Sell in particular uses simplified rules and is not tax advice. Past performance does not predict future results, and investing can lose money.

Prices, fundamentals, news, and brokerage data come from third parties and can be delayed, incomplete, or wrong. Orwin is not the official record of your account; your broker's statements are. Check them before acting on anything you see here, and talk to a licensed professional before decisions that matter.

The Services provide information and analytical tools for personal educational use. Nothing in the Services constitutes investment, financial, tax, accounting, or legal advice, a recommendation or solicitation to buy, sell, or hold any asset, or an offer of any financial product, and use of the Services does not create a fiduciary, advisory, or professional relationship. The insights, the tools (including Outlook, the FIRE retirement projection, Tax-Smart Sell, and Compare Stocks), any projections, and any sample data are illustrative outputs of models and assumptions, including inputs supplied by you. Tax-related outputs are estimates based on simplified rules and user-supplied parameters and do not account for your complete tax situation. Past performance is not indicative of future results, and investing involves risk, including possible loss of principal.

Market data, fundamentals, news, and logos are obtained from third-party providers, and brokerage data is obtained from your brokerage through SnapTrade. Portfolio prices reflect the most recent daily close unless you subscribe to Orwin Pro, and intraday data may be delayed. All such data is provided for informational purposes only; we do not verify it and make no representation as to its accuracy, completeness, or timeliness. Imported transactions may require your review. The App is not an official record of any account; your brokerage's statements and confirmations are authoritative. You are solely responsible for verifying information before relying on it and for your investment, tax, and financial decisions.

We provide Orwin as-is, without warranties, and we do not promise it will always be available or error-free. Our total liability to you is capped at what you paid us in the previous 12 months or fifty US dollars, whichever is greater, and we are not liable for indirect losses such as lost profits, lost data, or investment losses. If someone sues us because you misused the app or broke these Terms, you cover our reasonable costs. Some places do not allow these limits, so they may not all apply to you.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES AND ALL CONTENT AND DATA MADE AVAILABLE THROUGH THEM ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND ACCURACY. FINN FINANCIAL DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY DATA WILL BE ACCURATE OR COMPLETE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL FINN FINANCIAL OR ITS MEMBERS, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, UNDER ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE AGGREGATE LIABILITY OF FINN FINANCIAL FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID TO FINN FINANCIAL FOR THE SERVICES IN THE TWELVE MONTHS PRECEDING THE CLAIM OR FIFTY UNITED STATES DOLLARS. Some jurisdictions do not allow certain exclusions or limitations, in which case they apply only to the extent permitted by law.

You agree to defend, indemnify, and hold harmless Finn Financial and its members, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of your violation of these Terms, your misuse of the Services, or your violation of any law or the rights of a third party.

Stop any time by deleting the app, or wipe everything first with Delete All Data in Settings. We can suspend or end your access, with or without notice, if you break these Terms, if keeping you on creates legal or security risk, or if we shut the app down. The parts of these Terms that should outlast your use (ownership, disclaimers, liability limits, governing law) do.

Washington law governs, and disputes go to the state or federal courts in Spokane County, Washington. Before anything formal, email privacy@finnfinancial.co and give us 30 days to sort it out. Most things are solved with a conversation.

You may terminate these Terms at any time by ceasing to use the Services and deleting the App, and may delete the data associated with your device using the "Delete All Data" function in the App. Cancellation of Orwin Pro is governed by Section 5. We may suspend or terminate your access to the Services, with or without notice, if you breach these Terms, if we reasonably believe continued provision would expose us or other users to legal, security, or operational risk, or if we discontinue the Services. Upon termination the license in Section 2 ends, and Sections 2 (ownership), 7, 8, 9, and 10, together with any provision that by its nature should survive, survive termination.

These Terms and any dispute arising out of or relating to them or the Services are governed by the laws of the State of Washington, United States, without regard to its conflict-of-laws principles. Any such dispute not resolved informally will be brought exclusively in the state or federal courts located in Spokane County, Washington, and each party consents to personal jurisdiction and venue there. Before initiating formal proceedings, you agree to contact us at privacy@finnfinancial.co with a description of the dispute and to attempt in good faith to resolve it informally for at least 30 days.

These Terms and the Privacy Policy are the whole agreement between us. If a court strikes one part, the rest stands. Not enforcing something right away does not waive it. You cannot hand these Terms to someone else; we can if the business is sold or restructured. Because the app comes from the App Store, Apple requires us to say that this agreement is with us, not Apple, that Apple does not support the app, and that Apple can enforce these Terms.

We may update these Terms. When we do, the date at the top changes, and for changes that affect your rights we will give you notice first. Using Orwin after a change means you accept it. Questions? Email privacy@finnfinancial.co. A real person will write back.

These Terms and the Privacy Policy constitute the entire agreement between you and Finn Financial regarding the Services and supersede all prior agreements. If any provision is held invalid or unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions remain in full force. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our prior written consent; we may assign them without restriction, including in connection with a merger, acquisition, or sale of assets.

These Terms are between you and Finn Financial only, not Apple Inc. Finn Financial, not Apple, is solely responsible for the App and its content, and Apple has no obligation to furnish maintenance or support. To the maximum extent permitted by law, Apple has no warranty obligation with respect to the App; if the App fails to conform to an applicable warranty, you may notify Apple, which will refund the purchase price, if any. Apple is not responsible for addressing any claims relating to the App, including product liability, regulatory non-conformance, consumer protection, or intellectual property infringement claims. You represent that you are not located in a country subject to a United States government embargo or designated as a terrorist-supporting country and are not on any United States government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

We may modify these Terms from time to time. Modified Terms take effect when posted on the Site with an updated date. For material changes that adversely affect your rights, we will provide advance notice in the App or by other reasonable means. Your continued use of the Services after the effective date constitutes acceptance. Questions regarding these Terms may be directed to Finn Financial LLC at privacy@finnfinancial.co.