Terms of Service

1. Acceptance of Terms

By creating an account and using Finance Forecast ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

Finance Forecast is an organisational tool that helps freelancers and independent contractors track invoices, income, expenses, tax set-aside estimates, and cashflow projections. It is an informational and organisational aid only. It does not provide financial, tax, accounting, legal, or investment advice.

3. Not Financial Advice

All figures, forecasts, tax estimates, and AI-generated insights produced by Finance Forecast are estimates and organisational tools only. They do not constitute financial, tax, accounting, or legal advice. You should consult a qualified accountant, tax adviser, or financial professional before making any financial decisions based on information from this Service.

4. Account Responsibilities

You are responsible for:

• Maintaining the security of your account credentials
• All activity that occurs under your account
• Ensuring the accuracy of data you enter into the Service
• Using the Service in compliance with applicable laws

5. Acceptable Use

You may not use the Service to:

• Violate any laws or regulations
• Attempt to access other users' data
• Reverse-engineer, scrape, or abuse the Service
• Share your account credentials with others
• Use the Service for purposes other than managing your own freelance finances

6. Subscriptions and Billing

Finance Forecast offers a free plan and paid plans (Solo, Pro, Studio). Paid plans are billed monthly via Stripe. By subscribing to a paid plan:

• You authorise recurring charges to your payment method
• You can cancel at any time; cancellation takes effect at the end of the current billing period
• Refunds are not provided for partial billing periods
• Plan downgrades take effect at the next renewal date

7. AI Features

AI-generated insights are provided for informational purposes only. They are generated by third-party AI models (OpenAI) and may be inaccurate or incomplete. Do not rely on AI insights for financial or tax decisions. Monthly usage limits apply per plan. Unused generations do not roll over.

8. Limitation of Liability

To the maximum extent permitted by law, Finance Forecast and its operators are not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Service, including but not limited to financial losses resulting from reliance on forecasts or estimates produced by the Service.

9. Data and Privacy

Our collection and use of your personal data is governed by our Privacy Policy, which forms part of these Terms.

10. Service Availability

We aim to provide a reliable service but cannot guarantee 100% uptime. We reserve the right to modify, suspend, or discontinue the Service at any time with reasonable notice. We are not liable for any downtime or data loss.

11. Modifications to Terms

We may update these Terms from time to time. Continued use of the Service after changes constitutes acceptance. Material changes will be communicated via email or dashboard notice.

12. Governing Law

These Terms are governed by the laws applicable to the jurisdiction of the operator. Any disputes shall be resolved in the competent courts of that jurisdiction.