End User License Agreement

Last updated: October 30, 2026

This End User License Agreement (“EULA”) is between you and FinanceFlow (“FinanceFlow”, “we”, “us”) and covers your use of the FinanceFlow mobile application (the “App”). By downloading, installing or using the App, you agree to this EULA and to our Terms & Conditions and Privacy Policy. If you do not agree, do not install or use the App.

1. Licence

FinanceFlow grants you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the App on devices that you own or control, for your own non-commercial use, in line with this EULA and the usage rules of the app store you downloaded it from. The App is licensed, not sold, to you.

2. Restrictions

You may not:

• copy, modify, translate or create derivative works of the App;
• reverse engineer, decompile or disassemble the App, except where the law expressly allows it;
• rent, lease, lend, sell, sublicense or distribute the App, or make it available over a network for others to use;
• remove or change any copyright, trademark or other notices;
• use the App to break any law, or to copy or redistribute market data or news.

3. Ownership

FinanceFlow and its licensors own all rights in the App, including all updates. Market data and news shown in the App belong to their providers and publishers.

4. Updates and changes

We may release updates that add, change or remove features. Some updates may be required to keep using the App. We may stop offering the App or any feature at any time.

5. Third-party services

The App uses third-party services, such as Google and Apple sign-in, push notifications and market data providers. Your use of those services may also be subject to their terms. We are not responsible for third-party services or content.

6. Not investment advice

The App shows market information for general information only. It is not financial, investment, legal or tax advice. You are solely responsible for your investment decisions.

7. Termination

This EULA applies until you or we end it. Your rights end automatically if you do not follow it. You can end it by deleting your account and uninstalling the App. When it ends, you must stop using and delete the App.

8. No warranty

To the fullest extent the law allows, the App is provided “as is” and “as available”, without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy and non-infringement.

9. Limitation of liability

To the fullest extent the law allows, FinanceFlow will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, investments, data or goodwill, arising from your use of, or inability to use, the App. Our total liability is limited as set out in our Terms & Conditions.

10. Export and legal compliance

You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties. You agree to follow all laws that apply to your use of the App.

11. Additional terms for Apple devices

If you downloaded the App from Apple’s App Store, these terms also apply:

• This EULA is between you and FinanceFlow only, not Apple Inc. (“Apple”). FinanceFlow, not Apple, is solely responsible for the App and its content.
• Your licence is limited to using the App on Apple-branded products you own or control, as allowed by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
• Apple has no obligation to provide any maintenance or support services for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App. Any other claims, losses, liabilities, damages, costs or expenses caused by any failure to conform to any warranty are FinanceFlow’s responsibility, to the extent they cannot be disclaimed.
• FinanceFlow, not Apple, is responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including product liability claims, claims that the App fails to meet any legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.
• If a third party claims that the App or your possession and use of it infringes their intellectual property rights, FinanceFlow, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
• Apple and its subsidiaries are third-party beneficiaries of this EULA. Once you accept it, Apple has the right (and is deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary.

12. Additional terms for Google Play

If you downloaded the App from Google Play, you also agree to the Google Play Terms of Service. Google is not a party to this EULA and is not responsible for the App.

13. Contact

Questions, complaints or claims about the App: support@financeflow.ai.