Last Updated: March 20, 2026
These Terms and Conditions ("Terms") govern your use of FinCoach ("Application," "Service," "we," "us," or "our"), an educational platform for learning about personal finance. By accessing or using our Application, you agree to be bound by these Terms.
FinCoach is an educational tool with both free and premium subscription features. Basic lessons are free, and premium content requires a paid subscription.
IF YOU DO NOT AGREE TO THESE TERMS, PLEASE DO NOT USE THE APPLICATION.
You must be at least 13 years old to use our Application. By using the Application, you represent and warrant that:
FinCoach is an educational platform that provides learning resources about personal finance, including:
All calculations and exercises are performed locally on your device. We do not store or process any of your financial data.
FOR EDUCATIONAL PURPOSES ONLY: FinCoach is designed solely for learning about personal finance concepts. The information provided is for educational and informational purposes only and should NOT be considered as financial, investment, tax, or legal advice.
NOT FINANCIAL ADVICE: We do not provide personalized financial advice or recommendations. You should consult with qualified financial advisors, certified financial planners, accountants, or legal professionals before making any financial decisions. We are not liable for any financial decisions you make based on the educational content provided in this app.
FinCoach offers both free and premium content:
FinCoach Pro is an optional auto-renewing subscription that provides:
Subscription pricing varies by region and is displayed in the app before purchase. Payment will be charged to your Apple App Store or Google Play Store account at confirmation of purchase.
IMPORTANT: Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate of your selected subscription plan.
You can manage and cancel your subscription at any time through your device's subscription settings:
Cancellation: You may cancel your subscription at any time. Cancellations take effect at the end of the current billing period. No partial refunds are provided for unused portions of a subscription period.
If we offer a free trial period, you will be notified before the trial begins. Unless you cancel before the trial period ends, you will be automatically charged the subscription fee when the trial expires.
If you have previously purchased FinCoach Pro and reinstall the app or install it on a new device, you can restore your purchase at no additional cost using the "Restore Purchase" feature in the app. No account creation is required; purchases are linked to your Apple ID or Google Play account.
All purchases are processed through Apple App Store or Google Play Store. Refund requests must be submitted through the respective platform:
We do not process refunds directly. All refund decisions are made by Apple or Google according to their respective refund policies.
We reserve the right to change subscription prices at any time. Price changes will not affect existing subscribers until their next renewal period. You will be notified of price changes in advance.
For users who download FinCoach from the Apple App Store, your use of the Application is also governed by Apple's Licensed Application End User License Agreement (EULA), available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/.
In the event of conflict between these Terms and Apple's EULA, Apple's EULA shall take precedence with respect to your use of the Application on iOS devices.
For users who download FinCoach from Google Play Store, your use of the Application is also governed by the Google Play Terms of Service, available at https://play.google.com/about/play-terms/.
Free users will see advertisements displayed through Google AdMob. These advertisements:
We are not responsible for the content of third-party advertisements or any interactions you may have with advertisers.
When using our Application, you agree to:
All content, features, and functionality of the Application, including but not limited to text, graphics, logos, software, and design, are owned by FinCoach and protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Application for personal, non-commercial purposes in accordance with these Terms. Premium subscribers receive additional license to access premium content during their active subscription period.
You retain ownership of any data you input into the Application. Since all data is stored locally on your device, we do not claim any rights to your personal data or usage information.
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using the Application, you consent to the practices described in the Privacy Policy.
Our Application integrates with third-party services including:
We are not responsible for:
Your use of third-party services is subject to their respective terms and conditions.
THE APPLICATION IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
EDUCATIONAL ONLY - NO GUARANTEES: The educational content and tools provided are for learning purposes only. We do not guarantee any specific financial outcomes, results, or benefits from using this app. Your real-world financial results depend on many factors beyond our control, including your personal circumstances, decisions, and market conditions.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FINCOACH AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:
You agree to indemnify, defend, and hold harmless FinCoach and its affiliates from any claims, damages, losses, liabilities, and expenses (including attorney's fees) arising from:
We may terminate or suspend your access to the Application immediately, without prior notice, if you:
You may stop using the Application at any time. If you have an active subscription:
Upon termination, your right to use premium features will cease immediately, though you may continue to access free content.
We reserve the right to modify these Terms at any time. We will notify you of material changes by:
Your continued use of the Application after changes become effective constitutes acceptance of the modified Terms.
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Application shall be resolved through:
You agree that disputes will be resolved on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and FinCoach regarding the use of the Application.
Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, or government actions.
If you have any questions about these Terms and Conditions, please contact us at:
Email: waltervu85@gmail.com
BY USING THE APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS AND CONDITIONS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.