Terms and Conditions – Finwise

 

Terms and Conditions – Finwise: Smart Loan & EMI Planner

Introduction

Welcome to Finwise: Smart Loan & EMI Planner. These Terms and Conditions govern your use of the Finwise application (“App”, “Service”, “we”, “our”, or “us”).

By downloading, installing, or using Finwise, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, please discontinue use of the app.

About the Service

Finwise is a financial utility application designed to help users:

  • Check loan eligibility estimates

  • Calculate EMI amounts

  • Understand financial planning calculations

  • Access loan-related informational tools

Finwise is intended solely for informational and calculation purposes and does not provide financial, banking, lending, or legal services.

No Financial or Lending Services

Finwise does not:

  • Provide loans

  • Approve or reject loan applications

  • Act as a lender or financial institution

  • Offer banking or investment services

  • Guarantee loan eligibility or approval

Results generated through the app are estimates and should not be treated as official financial advice or lending decisions.

Users should independently verify information with banks, NBFCs, or financial professionals before making financial decisions.

User Responsibilities

By using Finwise, you agree to:

  • Use the application lawfully and responsibly

  • Provide accurate information when using calculators or support features

  • Avoid misuse, abuse, or interference with app functionality

  • Refrain from attempting unauthorized access or harmful activity

Users are responsible for how they use information and calculations provided within the app.

Advertisements

Finwise may display advertisements through third-party advertising providers, including Google AdMob.

Advertisements help support app maintenance and future development. We do not guarantee the accuracy, quality, or reliability of products or services promoted through third-party advertisements.

Any interaction with advertisers is solely between the user and the third party.

Learn more about Google advertising policies here:
https://policies.google.com/technologies/ads

Third-Party Services

Finwise may integrate third-party tools and services, including:

  • Google Play Services

  • Google AdMob

  • Firebase

  • Firebase Analytics

  • Firebase Crashlytics

  • Meta SDK

These services operate under their own policies and terms. We are not responsible for third-party service practices or content.

Third-party policy links:

Intellectual Property

All content, design elements, branding, logos, and materials associated with Finwise are owned by us or used under appropriate permissions.

Users may not:

  • Copy or reproduce app content

  • Modify or reverse engineer the app

  • Redistribute app materials without permission

  • Use app branding or assets without authorization

Unauthorized use may violate applicable intellectual property laws.

Disclaimer of Warranties

Finwise is provided on an “as is” and “as available” basis.

While we strive to maintain accurate calculations and reliable performance, we make no warranties or guarantees regarding:

  • Accuracy of estimates

  • Continuous availability

  • Error-free functionality

  • Suitability for specific financial decisions

Use of the app is at the user's own discretion and risk.

Limitation of Liability

To the maximum extent permitted by law, Finwise and its developers shall not be liable for any:

  • Financial loss

  • Indirect or consequential damages

  • Business interruption

  • Data loss

  • Decisions made based on app calculations or information

Users acknowledge that financial outcomes may vary and should rely on independent verification.

App Updates and Changes

We may update, modify, suspend, or improve Finwise at any time to enhance:

  • Features

  • Security

  • Stability

  • Performance

  • User experience

Certain features may change or become unavailable without prior notice.

Termination

We reserve the right to restrict or terminate access to the app if misuse, abuse, or violation of these Terms is identified.

Children's Use

Finwise is not intended for users under the age of 13.

We do not knowingly permit use involving collection of personal information from children.

Changes to These Terms

We may revise these Terms and Conditions periodically.

Updated versions will be published within the app or associated policy page with a revised effective date. Continued use of Finwise after updates constitutes acceptance of the revised terms.

Contact Us

If you have questions or concerns regarding these Terms and Conditions, contact us at:

Email: finlora.support@gmail.com

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