Terms of Service

Agreement

By using Simply Finance (“the App”), you agree to these terms. If you don’t agree, don’t use the app. Simple as that.

What the app does

Simply Finance is a personal finance tracker. You can log transactions, track account balances, set budgets, and view spending reports. All data is stored locally on your device.

Your data, your responsibility

Your financial data is stored on your device. We do not have access to it and cannot recover it if lost. You are responsible for:

• Backing up your data using the in-app export feature
• Understanding that deleting the app removes all your data
• Keeping your device secure, since your data lives on it

Sync

Data sync across devices is powered by SimplySync, our own end-to-end encrypted sync engine. We cannot read your synced data. By default, sync uses the relay included with Simply Finance. You can also explore a separately billed personal relay from SimplySync Cloud or host your own sync relay. SimplySync Cloud has separate terms, privacy notices, and billing.

Purchases

The app is free to download from the Apple App Store and Google Play. Some optional features are unlocked by a one-time in-app purchase. Purchases are tied to the store where they were made: an Apple purchase does not unlock the Google Play version, or vice versa. Refunds are handled by Apple or Google according to their policies. Optional SimplySync Cloud managed hosting is a separate recurring service sold through its own checkout and is not part of the Full Version in-app purchase.

No financial advice

Simply Finance is a tracking tool, not a financial advisor. The app does not provide investment advice, tax guidance, or financial recommendations. Consult a qualified professional for financial decisions.

Accuracy

You enter your own data manually. The app displays what you put in. We are not responsible for inaccurate data entry or any decisions made based on the information shown in the app.

Availability

We aim to keep the app available and working, but we don’t guarantee 100% uptime or uninterrupted service. The app works offline by design, so most functionality doesn’t depend on our servers.

Limitation of liability

Simply Finance is provided “as is” without warranty. To the maximum extent permitted by law, we are not liable for any damages arising from your use of the app, including but not limited to data loss, financial loss, or missed transactions.

Changes to these terms

We may update these terms from time to time. The updated version will be posted on this page with a new date. Continued use of the app after changes constitutes acceptance of the new terms.

Contact

Questions about these terms? Email support@simplyfinance.app.