1. Service and owner
Use Finance (also displayed as MyFinance in the interface) is an application for independently tracking personal income, expenses, budgets, assets, liabilities, and other financial records.
Service owner and operator: Maksim Andreevich Pankrushov, an individual who is not registered as an individual entrepreneur, Rudny, Republic of Kazakhstan. Contact: usemyfinance.support@gmail.com.
The owner acts as an individual. The service is not a bank, payment institution, broker, investment adviser, accountant, or tax adviser.
2. Eligibility
The service is intended for users who are at least 18 years old and legally able to enter into this agreement.
If you use the service for another person or organization, you confirm that you have the necessary authority and lawful basis for any data you add.
3. Account and access
- Registration requires a valid email address, password, display name, and primary currency.
- You are responsible for keeping your password confidential, securing your devices, and activity in your account.
- You may not transfer an account, impersonate another person, or access another user’s data without permission.
- If you suspect compromise, contact us and change your password.
4. Features and your data
You enter, import, edit, and delete financial records yourself. You retain your rights in your data and grant us a limited right to process it only to operate, secure, and support the service.
Imported files are parsed in your browser. Only records you confirm and technical import metadata are stored in the cloud, not the complete source file.
You must verify calculations, categories, currencies, dates, and imported records. The service does not replace source documents, bank statements, or professional reporting.
5. Free access and payments
As of the effective date, the service is free. We do not charge users, start automatic renewals, or request payment-card details.
If paid features are introduced, the price, billing period, renewal and refund terms, and a separate confirmation will be shown before purchase. No new charge will arise without an explicit user action.
The presence of test or inactive payment integration code does not mean a user has a paid subscription.
6. Personal data
Personal-data processing is described in the Privacy Policy, Personal Data Consent, Cookies and Local Storage Policy, and provider list. These documents form part of the service rules.
The service uses third-party cloud infrastructure. The current primary Supabase storage is in Seoul, Republic of Korea. See the Privacy Policy and “Providers and Data Transfers” for details.
7. Use restrictions
You must follow the Acceptable Use Policy. Illegal activity, unauthorized access, interference, malware, automated attacks, and infringement of third-party rights are prohibited.
8. Availability and changes
We aim to keep the service operational but do not guarantee uninterrupted or error-free availability. Maintenance, network failures, provider limits, and feature changes may occur.
We may change, suspend, or discontinue features. Where feasible, material changes affecting user rights will be communicated in a reasonable manner.
9. Intellectual property
The code, design, text, graphics, Use Finance and MyFinance identifiers, and other service elements belong to the owner or are lawfully used. You receive a limited, revocable, non-exclusive right to use the service for personal lawful purposes.
This right does not include resale, wholesale copying, creation of a derivative service, circumvention of technical restrictions, or unauthorized use of identifiers, except where law expressly permits it.
10. No financial advice
Calculations, charts, plans, and indicators are informational and based on data you provide. They are not financial, investment, credit, tax, legal, or accounting advice.
Before decisions with significant consequences, verify information using primary sources and seek qualified professional advice where appropriate.
11. Liability
To the extent permitted by applicable law, the service is provided “as is.” The owner is not responsible for user decisions, inaccurate inputs, lost profits, indirect loss, actions of banks or other third parties, or events beyond reasonable control.
Nothing in these Terms excludes consumer rights or liability that cannot lawfully be limited. If you find an error, contact us and we will make reasonable efforts to assist and correct technical issues.
12. Ending use
You may stop using the service and delete your account in Settings at any time. We recommend exporting a backup first.
We may restrict or end access for a material breach, security threat, unlawful use, or legal requirement. Where permitted, we will try to notify you in advance.
13. Governing law and disputes
These Terms are governed by the laws of the Republic of Kazakhstan. Mandatory consumer and data-subject rights in your place of residence remain unaffected where they cannot lawfully be waived.
Before litigation, please email usemyfinance.support@gmail.com so we can try to resolve the issue. Jurisdiction is determined by applicable law.
14. Changes to these Terms
We may update these Terms when the service, law, or security practices change. The new date and version will be posted here. Material changes may require renewed acceptance.
The Russian version controls in case of translation differences unless mandatory applicable law requires otherwise.