Terms of Service

1. Provider details

Pursuant to Art. 4 of the Bulgarian Electronic Commerce Act and Art. 47 of the Consumer Protection Act we provide the following information:

• Company name: [TO BE FILLED IN]
• UIC: [TO BE FILLED IN]
• VAT number: not VAT-registered
• Registered seat and address of management: [ADDRESS TO BE FILLED IN]
• Correspondence address: [TO BE FILLED IN]
• Email: [TO BE FILLED IN]
• Phone: [TO BE FILLED IN]
• Website: https://finora.bg
• Supervisory authorities: Commission for Consumer Protection (CPC) and Commission for Personal Data Protection (CPDP)

2. Definitions

• User — any natural person aged 18 or over who has created an account on the Platform.
• Account — the personalised part of the Platform accessible with an email address and password.
• User Content — all data the User enters or uploads: transactions, accounts, categories, notes, bank statement files.
• Free plan (Start) — a version of the Service provided at no charge, with functional limitations.
• Paid plan (Pro) — a subscription version of the Service against periodic payment.
• Trial period — a period during which paid features are provided free of charge for evaluation.
• Subscription period — one month or one year, depending on the plan selected.

3. Acceptance and conclusion of the contract

The contract between you and the Provider is concluded at a distance by electronic means through the following technical steps:

1. 1You complete the registration form with your name, email address and password.
2. 2You tick a box declaring that you have read and accept these Terms and the Privacy Policy.
3. 3You press the button completing the registration — this is the moment the contract is concluded.
4. 4You receive a confirmation at the email address you provided.

The contract is concluded in Bulgarian. The text of these Terms is permanently available at this address and can be stored and reproduced by you at any time. Before submitting the registration form you have the technical means to identify and correct input errors.

By accepting these Terms you declare that you are at least 18 years old and have the legal capacity to enter into the contract. The Service is not intended for persons under 18.

4. Description of the Service

Finora is a web application for tracking and analysing personal income and expenses. Its main features are:

• manual entry and import of transactions from CSV statements (Fibank, Revolut, Wise, plus manual column mapping for unknown formats);
• automatic detection of duplicates and of internal transfers between your own accounts;
• transaction categorisation, per-category budgets and tracking of recurring expenses;
• savings goals with manual contributions;
• statistics, charts and export of your data to CSV and PDF;
• email notifications, which you can enable and disable in your account settings.

The scope of available features depends on the plan selected. The current description of plans and their limits is published on the pricing page and in the “Subscription” section of your account.

5. Registration, account and security

• You provide true, accurate and current information on registration and keep it up to date.
• A User may maintain one account, unless otherwise agreed.
• You are responsible for keeping your password secret and for all activity carried out through your account.
• You notify us immediately at [TO BE FILLED IN] if you suspect unauthorised access to your account.
• Providing access to your account to third parties, whether for consideration or free of charge, is prohibited.

6. Prices, payment and renewal

The free plan (Start) is provided at no charge and without a time limit, subject to the functional limitations set out on the pricing page.

The paid plan (Pro) is offered on a monthly or annual subscription. All prices are quoted in euro (EUR) including VAT where the Provider is VAT-registered. Current prices are published on the pricing page and in the “Subscription” section of your account.

6.1. Payment method

Payments are processed by Stripe Payments Europe, Ltd., a licensed payment service provider. The Provider does not receive, process or store full payment card details. Debit and credit cards supported by Stripe are accepted.

6.2. Automatic renewal

The subscription renews automatically for a further period of the same length at the price in force at the time of renewal, unless cancelled before the end of the current period. The amount is charged to the stored payment method on the first day of the new period.

You may switch off automatic renewal at any time from Settings → Subscription, without a phone call or written notice. After cancellation you keep access to paid features until the end of the period already paid for, after which the account continues on the free plan.

6.3. Price changes

The Provider may change prices by notifying Users at least 30 days in advance by email and via a message in the Platform. The new price applies from the next subscription period. If you do not accept the new price you may cancel before it takes effect — periods already paid for are unaffected.

6.4. Trial period and promotional codes

Where a trial period is offered, it starts on activation and runs for the number of days announced. On expiry the account automatically moves to the free plan unless a paid subscription is chosen. Promotional codes apply on their stated terms, are not combinable unless expressly stated, and have no cash value.

6.5. Late payment

If a payment fails you will be notified and given a reasonable period to update your payment method. If payment is not made, access to paid features is suspended and the account moves to the free plan. Your data is not deleted because of non-payment.

7. Add-ons — Finora Auto and Finora Home

In addition to the core product (Finora), we offer separate add-on products — Finora Auto (vehicle tracking: fuel fill-ups, fuel consumption, service history and related costs) and Finora Home (in preparation). Each add-on is a separate service with a separate price, independent of the core plan (Start/Pro) — you may have a free core plan and a paid add-on, or the other way around.

• Add-ons are offered on a monthly or annual subscription, at prices published on the relevant product page (for example /auto) and in the “Subscription” section of your account.
• Each add-on has its own 14-day trial with no card required, one per add-on for the lifetime of the account — if you have used it and it expires without payment, you do not get a new one on reactivation.
• Finora Auto has a soft limit of 5 active vehicles per account; sold or archived vehicles do not count towards the limit.
• Linking an add-on record to a transaction in the core (for example recording a fuel fill-up as an expense) happens only if you explicitly choose it when entering the record — it is not a default step.

7.1. Suspension of payment

If an add-on subscription expires or is cancelled, access drops to read-only: data already entered stays visible, but adding, editing and deleting new records is locked until you renew. Finora never deletes or hides add-on data because of a lapsed payment — see also section 12 below and the Privacy Policy.

Export of the add-on's data remains available at all times, including with an expired subscription.

8. Right of withdrawal (14 days)

As a consumer you have the right to withdraw from the contract without giving any reason within 14 days of its conclusion (Art. 50 of the Bulgarian Consumer Protection Act, implementing Directive 2011/83/EU).

To exercise this right, send an unequivocal statement to [TO BE FILLED IN] or to the correspondence address. You may use the model form below, but it is not mandatory. To meet the deadline it is sufficient to send your communication before the 14-day period expires.

On withdrawal we reimburse all payments received from you without undue delay and no later than 14 days from the day we are informed. Reimbursement is made using the same means of payment you used, unless you expressly agree otherwise; you will not incur any fees for the reimbursement.

Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

To [TO BE FILLED IN], [ADDRESS TO BE FILLED IN], email: [TO BE FILLED IN]

I hereby give notice that I withdraw from my contract for the supply of the following service: subscription to the Finora web application.

Ordered on / received on: ……………
Name of consumer: ……………
Address of consumer: ……………
Email used at registration: ……………
Signature of consumer (only if this form is notified on paper): ……………
Date: ……………

9. Conformity of the digital service and complaints

The Provider supplies the Service in conformity with its description and with the Bulgarian Act on the Supply of Digital Content and Digital Services and the Sale of Goods, transposing Directive (EU) 2019/770.

In the event of a lack of conformity you are entitled to have the Service brought into conformity and, where this is impossible or not done within a reasonable time, to a proportionate price reduction or to terminate the contract, under the conditions laid down by law. These remedies are provided free of charge.

Complaints may be submitted to [TO BE FILLED IN] or to the correspondence address. A complaint should describe the problem, state the account email and, where possible, include screenshots. We reply in writing within 14 days of receipt.

10. User obligations and prohibited conduct

When using the Platform you undertake not to:

• breach applicable law, the rights of third parties or good morals;
• upload other people's data without a legal basis, including third parties' bank statements;
• attempt unauthorised access, penetration testing, scanning or circumvention of security measures without prior written permission;
• deliberately overload the infrastructure (automated requests at unusual volume, DoS, scraping);
• use the Platform for resale, for providing services to third parties, or to build a competing product;
• decompile, disassemble or attempt to extract the source code beyond what is permitted by law;
• upload malicious code or content that may harm the Platform or other users.

In the event of a material or repeated breach the Provider may restrict or terminate access to the account after a warning and, in cases of manifest abuse or security risk, immediately, with subsequent notification.

11. Availability, support and changes

The Provider makes reasonable efforts to keep the Service continuously available but does not guarantee uninterrupted operation. Scheduled maintenance may occur, of which we give advance notice where practicable, as well as unplanned interruptions due to technical reasons or the acts of third-party providers.

The Provider may develop, modify and discontinue individual features. Material changes that restrict functionality included in a paid plan are announced at least 30 days in advance. In the event of a material restriction you may cancel your subscription and receive a proportionate refund for the unused period.

12. User data, backups and export

User Content remains the User's property. The Provider processes it solely to provide the Service and in accordance with the Privacy Policy.

You can export your data in a machine-readable format (CSV) from your account at any time. The right to a full export does not depend on your plan — free plan limits apply only to the period displayed on screen, never to the export of your data.

The Provider maintains backups as part of good security practice, but the User remains responsible for keeping their own copies of data critical to them.

13. Intellectual property

All rights in the Platform — software, source code, design, the “Finora” trade mark, logo, texts and graphics — belong to the Provider or its licensors and are protected by copyright law.

On registration you receive a limited, non-exclusive, non-transferable and revocable right to use the Platform for personal purposes for the term of the contract. No other rights are transferred.

14. Liability

Finora is an auxiliary tool for information and planning. Figures, forecasts, categorisations and automatically detected transfers may contain inaccuracies, including because of errors in the input files. Decisions you take on their basis are entirely your responsibility.

The Provider is liable for damage caused intentionally or by gross negligence, as well as in cases where liability cannot be limited by law (including damage to life and health and under consumer legislation).

Beyond those cases and to the extent permitted by law, the Provider's liability for pecuniary damage is limited to the amounts paid by the User for the Service in the 12 months preceding the event; on the free plan no compensation is due.

The Provider is not liable for non-performance caused by force majeure, including outages at third-party hosting, payment or email providers, provided it exercised due care in selecting them.

15. Termination

You may terminate the contract at any time by deleting your account from Settings → Profile → Delete account, without giving reasons and without a termination fee.

Deletion is irreversible: transactions, accounts, categories, goals and imports are erased. We recommend exporting your data first. Data whose retention is required by law (accounting and tax records of payments made) is kept for the statutory periods set out in the Privacy Policy.

The Provider may terminate the contract on 30 days' notice if the Service is discontinued, and without notice in the event of a material breach under section 10. Where the Provider terminates without fault on the User's part, the proportionate part of any prepaid amount is refunded.

16. Amendments to these Terms

The Provider may amend these Terms following changes in legislation, in the Service or in the business model. Material amendments are notified at least 30 days in advance by email and via a message in the Platform.

If you do not accept the amendments you may terminate the contract without penalty before they take effect. Continued use after that date constitutes acceptance. The date of the last revision is shown at the top of this document.

17. Governing law and dispute resolution

Matters not covered by these Terms are governed by the law of the Republic of Bulgaria. These Terms do not limit your consumer rights under the mandatory rules of the country of your habitual residence.

The parties will seek to resolve disputes amicably. Failing that, the dispute is referred to the competent Bulgarian court.

As a consumer you may lodge a complaint with the Commission for Consumer Protection (CPC): 4A Slaveykov Sq., floors 3, 4 and 6, Sofia 1000, Bulgaria, tel. 0700 111 22, email info@kzp.bg, https://kzp.bg.

You may also refer the matter to a conciliation commission for alternative dispute resolution at the CPC. The European Online Dispute Resolution (ODR) platform ceased operating on 20 July 2025 and no longer accepts complaints.

18. Final provisions

• If any clause is held invalid, the validity of the remaining clauses is unaffected.
• The Provider may assign its rights and obligations under the contract in the event of a corporate reorganisation or transfer of the business, upon notice to Users; this must not worsen their position.
• Correspondence between the parties is conducted by email at the addresses given and is deemed to be in written form.
• These Terms are in force from the date of last revision shown above.