Terms of Use

Draft: awaiting lawyer review

Last updated: November 2026 (2026-11-draft)

These Terms of Use govern your use of Faina, operated by [Company or Owner Name] ([Contact Email], [Registered Address]). By using Faina, you agree to these terms and our Privacy Notice.

1. Eligibility and age limit

You must be 18 or older to use Faina. By creating an account, you confirm that you are at least 18 years old.

2. What Faina does (and does not do)

• Faina is your money companion — a tool to help you track balances, forecast spending, and read information from official Philippine sources.
• Information only, not professional advice: All chat replies, investing guidance, option comparisons, and checklists are general information to help you make your own decisions. They are not professional financial, investment, legal, or tax advice. You alone decide what to do with your money.
• You confirm every AI draft: AI reads of receipts, screenshots, and chat drafts can make mistakes. Always check the amount, date, and account before saving.
• Faina never touches your real money: Faina never connects directly to your bank or e-wallet, never moves money, and never asks for your password, PIN, CVV, or one-time password (OTP).

3. Acceptable use and limits

• Do not submit another person's sensitive personal data without their permission, and never enter passwords, OTPs, or full card numbers.
• To keep Faina reliable and affordable, daily usage limits apply to AI features (reading images, chat messages, guidance, and web searches). If a daily limit or global cap is reached, or if AI is temporarily turned off, you can still view your balances and predictions and add transactions by hand.

4. Ending your use

You may export your data or delete your account at any time in Settings. We may suspend or close access if these terms are violated or if we discontinue the service, with notice where practicable ([Notice Period]).

5. Governing law

These terms are governed by the laws of the Republic of the Philippines ([Venue / Dispute Resolution Clause]).