Smartfina

Terms and Conditions

Last Updated: August 4, 2026

1. AGREEMENT TO TERMS

By using Smartfina, you confirm that you are at least 18 years old and have the legal capacity to enter into binding agreements.

These Terms and Conditions constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you") and Biswajeet Prasad Mohanty, doing business as SmartFina ("Company," "we," "us," or "our"), concerning your access to and use of the https://smartfina.online website as well as the SmartFina mobile application and WhatsApp-based services (collectively, the "Services").

By accessing the Services, you agree that you have read, understood, and agreed to be bound by all of these Terms and Conditions. IF YOU DO NOT AGREE WITH ALL OF THESE TERMS AND CONDITIONS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

We reserve the right, in our sole discretion, to make changes or modifications to these Terms and Conditions at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Terms and Conditions, and where changes are material we will provide reasonable in-app or email notice before they take effect.

2. FREE TIER, CREDITS, AND OPTIONAL PRO

Smartfina is free to use. You can create an account and track your finances without paying anything.

  • Free tier: The free tier includes a limited daily allowance of AI credits. AI credits are consumed when you use AI-powered features such as receipt scanning, voice logging, WhatsApp expense parsing, and AI insights. When your daily allowance is used up, AI features pause until your allowance resets; manual tracking continues to work as normal.
  • Credit limits may change: We may adjust the daily free credit allowance from time to time to keep the Services sustainable. We will not reduce credits you have already been granted for the current day.
  • Advertising: The free tier may display advertisements or promotional content within the app. We do not sell your personal or financial data to advertisers, and your expense data is never used to target ads.
  • Optional Pro: Pro is an optional paid upgrade at €4.99 per month (or the discounted annual rate shown at checkout). Pro removes ads and raises or removes AI credit limits, together with any additional Pro features described in the app at the time of purchase. Prices shown include applicable taxes where required.
  • Billing: Payments are processed by secure third-party payment processors (Stripe). We do not store your full card details. You agree to provide current, complete, and accurate billing information.
  • Renewal and cancellation: Pro renews automatically each billing period until cancelled. You may cancel at any time from Settings; cancellation takes effect at the end of the current paid period and you keep Pro access until then. We do not delete your data when Pro ends — your account simply returns to the free tier.
  • Refunds and statutory rights: If you are a consumer in the EU/EEA, you have a statutory 14-day right of withdrawal on a new paid subscription. Because the Services are supplied digitally and immediately, by starting your subscription you request immediate performance; you may still withdraw within 14 days and we will refund the unused portion. Nothing in these Terms limits your mandatory consumer rights.
  • Price changes: We may change subscription pricing. Any change will be communicated at least 30 days in advance and will apply only to billing periods starting after that notice. You may cancel before the new price takes effect.

3. YOUR CONTENT

The Services allow you to submit content, including photographs of receipts, text messages, audio voice notes, and manually entered financial data ("Your Content").

  • Ownership: You retain full ownership of Your Content at all times.
  • Limited licence: You grant us a restricted, non-exclusive licence to process, transmit, and store Your Content strictly for the purpose of operating the Services for you — for example, reading a receipt to create an expense entry on your dashboard.
  • AI processing: Some features send Your Content to third-party AI providers for processing. We do not permit those providers to use Your Content to train their models.
  • No public display, no sale: Your Content is private to your account. We do not display it publicly and we do not sell it.
  • Accuracy: Smartfina is a personal money-tracking tool. It does not provide financial, tax, investment, or legal advice, and AI-generated figures or suggestions may be incorrect. You are responsible for verifying your own records.

4. PROHIBITED ACTIVITIES

You may not access or use the Services for any purpose other than that for which we make the Services available. You agree not to:

  • Systematically retrieve data or content from the Services to create or compile a database or directory without our written permission.
  • Circumvent, disable, or otherwise interfere with security-related features of the Services, including AI credit limits or subscription controls.
  • Reverse engineer, decompile, or disassemble any software comprising or forming part of the Services.
  • Use automated scripts, bots, or scrapers to interact with the Services or to generate artificial usage.
  • Upload malicious code, or content that is unlawful, infringing, or that belongs to another person without their permission.
  • Use the Services to facilitate illegal transactions, fraud, money laundering, or any activity that violates local, national, or international law.
  • Impersonate another person or create an account on someone else's behalf without authorisation.

We may suspend or terminate accounts that breach this section.

5. THIRD-PARTY SERVICES

The Services rely on and may link to third-party services, including payment processing (Stripe), messaging (WhatsApp / Twilio), authentication providers, AI processing providers, cloud hosting, and — on the free tier — advertising networks. Your use of those services may also be governed by their own terms and privacy policies. We do not control and are not responsible for third-party services, and inclusion of a link does not imply our endorsement. If a third-party service becomes unavailable, related features of Smartfina may be temporarily or permanently affected.

6. ACCOUNT DELETION AND DATA RETENTION

You may request deletion of your account at any time via Settings → Delete Account. Your account then enters a 30-day grace period, during which you may cancel the deletion request and restore full access. After 30 days, your account and personal data are permanently deleted, except where we are required to retain certain records to comply with legal, tax, or accounting obligations. Deleting your account does not automatically refund an active paid period. You may also request an export of your data before deletion. For full details on what we store and for how long, see our Privacy Policy.

7. SERVICE AVAILABILITY AND CHANGES

We cannot guarantee the Services will be available at all times. We may experience hardware, software, connectivity, or third-party problems, or need to perform maintenance, resulting in interruptions, delays, or errors. We may add, modify, or discontinue features at our discretion. If we discontinue a paid feature that you are actively paying for, you may cancel and receive a pro-rata refund for the unused portion of that period. We will not be liable for any loss, damage, or inconvenience caused by your inability to access or use the Services during downtime.

8. INTELLECTUAL PROPERTY

Unless otherwise indicated, the Services and all source code, databases, functionality, software, designs, text, and graphics within them are owned or licensed by us and are protected by copyright and trademark laws. Subject to these Terms, you are granted a limited, non-exclusive, non-transferable, revocable licence to use the Services for your own personal, non-commercial purposes. No part of the Services may be copied, reproduced, republished, sold, or exploited for any commercial purpose without our express prior written permission. This section does not affect your ownership of Your Content.

9. GOVERNING LAW

These conditions are governed by and interpreted following the laws of Sweden. Biswajeet Prasad Mohanty (D/B/A SmartFina) and yourself irrevocably consent that the courts of Sweden shall have jurisdiction to resolve any dispute which may arise in connection with these terms. If you are a consumer resident in the EU/EEA, you may also bring proceedings in the courts of your country of residence, and you retain the protection of the mandatory consumer laws of that country.

10. DISPUTE RESOLUTION

  • Informal resolution first: To expedite resolution and control cost, the parties agree to first attempt to resolve any dispute informally by contacting us for at least thirty (30) days before starting formal proceedings.
  • Formal resolution: If a dispute cannot be resolved informally, it may be resolved by the competent courts in accordance with Section 9. Consumers in the EU/EEA may also use the online dispute resolution and national alternative dispute resolution bodies available to them.
  • No waiver of consumer rights: Nothing in this section requires a consumer to waive access to their local courts or statutory consumer protections.

11. LIMITATION OF LIABILITY

To the maximum extent permitted by law, we and our directors, employees, and agents will not be liable to you or any third party for any indirect, consequential, exemplary, incidental, special, or punitive damages arising from your use of the Services, including lost profits or inaccurate financial calculations. Our total aggregate liability for any cause whatsoever, and regardless of the form of the action, will be limited to the greater of (a) the amount you paid us in the six (6) months prior to the event giving rise to the claim, or (b) EUR 50.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law — including mandatory consumer protection rights.

12. CONTACT US

To resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Biswajeet Prasad Mohanty (D/B/A SmartFina)
Email: smartfina.support@gmail.com
Website: https://smartfina.online

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