These Terms of Service (the "Terms") form a legally binding agreement between you ("you", "your", or the "User") and Arkadiusz Szczepkowicz, operating as a sole proprietorship (jednoosobowa działalność gospodarcza) registered in Poland (the "Company", "we", "us", or "our"), governing your access to and use of the Finance Bay application and all related features, content, and services (collectively, the "App").
Please read these Terms carefully. By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree to these Terms, do not download, install, or use the App.
Nothing in these Terms limits or excludes any rights you have under the mandatory laws of your country of residence that cannot legally be limited or excluded. See Section 21 (Your Statutory Consumer Rights).
The App is operated by:
The App is distributed through the Apple App Store (App Store ID 1564797771). Apple Inc. and its subsidiaries ("Apple") act as the merchant of record and platform provider for your purchase and download of the App. See Section 7 (Apple App Store Terms).
Finance Bay is a privacy-first investment and portfolio tracking tool designed to help you privately organise, monitor, and analyse your investment holdings. The App is provided solely for informational, organisational, and educational purposes. Its features may include, without limitation:
The App does not connect to your brokerage, bank, or exchange accounts to execute transactions. The App does not place orders, move money, or trade on your behalf. The App is not a broker, dealer, exchange, custodian, investment adviser, or financial institution. See Section 16 (No Financial Advice; Risk Warning).
You must be at least 18 years old, or the age of majority and the age of digital consent in your jurisdiction, to use the App. The App is not directed to, and may not be used by, children. By using the App, you represent and warrant that (a) you meet these age requirements, (b) you have the legal capacity to enter into these Terms, and (c) you are not barred from using the App under the laws of any applicable jurisdiction.
The App is operated from Poland and may not be available, appropriate, or lawful for use in every country or territory. We make no representation that the App or any Market Data is appropriate or available for use in any particular location. If you access or use the App from outside Poland or the European Union, you do so on your own initiative and are solely responsible for compliance with all laws applicable in your location, including any local rules on the use of financial-information tools or crypto-assets. Nothing in the App constitutes an offer, solicitation, or recommendation in any jurisdiction where doing so, or where the App's availability or use, would be contrary to applicable law.
The App does not require you to create an account or register personal details with us in order to use its features. Your User Data is stored locally on your device and, where you enable it, synchronised across your own devices using Apple's iCloud service under Apple's terms. You are responsible for maintaining the security of your device and your Apple Account. See our Privacy Policy for details on how data is handled.
You acknowledge and agree that these Terms are concluded between you and the Company only, and not with Apple, and that the Company (not Apple) is solely responsible for the App and its content. The following terms apply to your use of the App obtained through the Apple App Store:
a. Scope of licence. The licence granted to you for the App is a non-transferable licence to use the App on any Apple-branded device that you own or control, as permitted by the Usage Rules set out in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing.
b. Maintenance and support. The Company is solely responsible for providing any maintenance and support services for the App. Apple has no obligation to furnish any maintenance or support services with respect to the App.
c. Warranty. The Company is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the App; to the maximum extent permitted by law, Apple will have no other warranty obligation with respect to the App.
d. Product claims. The Company, not Apple, is responsible for addressing any claims relating to the App or your use of it, including (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.
e. Intellectual property. In the event of any third-party claim that the App or your use of it infringes that third party's intellectual property rights, the Company, not Apple, will be solely responsible for the investigation, defence, settlement, and discharge of any such claim.
f. Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
g. Third-party beneficiary. You acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
h. Apple standard EULA. Where you obtain the App from the Apple App Store, your use is also subject to Apple's Licensed Application End User License Agreement. To the extent these Terms conflict with the mandatory provisions of that agreement with respect to your use of the App, the relevant provisions of Apple's agreement will apply.
Certain features of the App require a paid Subscription. The following terms apply:
a. Pricing. Subscription prices are displayed in the App at the point of purchase in your local currency and may vary by territory. Current plans include a monthly and an annual auto-renewing Subscription, which may be offered with an introductory free trial. Prices are inclusive of applicable taxes where required.
b. Purchases through Apple. All purchases are processed by Apple through your Apple Account and are subject to the Apple Media Services Terms and Conditions. Subscription management is facilitated by RevenueCat on our behalf. We do not receive or store your payment-card details.
c. Free trials. If a free trial is offered, you will not be charged during the trial period. Unless you cancel at least 24 hours before the end of the trial, your Subscription will automatically convert to a paid Subscription and your Apple Account will be charged the then-current price. Any unused portion of a free trial is forfeited when you purchase a Subscription.
d. Auto-renewal. Subscriptions renew automatically at the end of each billing period (monthly or annually, as applicable) unless cancelled. Your Apple Account is charged for renewal within 24 hours prior to the end of the current period at the then-current price for the applicable plan.
e. Cancellation. You can manage or cancel a Subscription at any time through your Apple Account settings (Settings → your name → Subscriptions on iOS, or the equivalent on other Apple platforms). Cancellation takes effect at the end of the current billing period; you retain access to premium features until then. Deleting the App does not cancel a Subscription.
f. Price changes. We may change Subscription prices. Where required by Apple or by applicable law, you will be notified in advance and, where applicable, asked to consent before a price increase takes effect; otherwise the change applies from your next renewal. If you do not agree to a new price, you may cancel before it takes effect.
g. Refunds. Because purchases are processed by Apple, refund requests are handled by Apple in accordance with Apple's policies. You may request a refund through Apple (for example, via reportaproblem.apple.com). This does not affect any non-excludable statutory refund or consumer rights you may have (see Section 21).
If you are a consumer in the European Union, the European Economic Area, the United Kingdom, or another jurisdiction granting an equivalent right, you may have a statutory right to withdraw from a distance contract within 14 days without giving a reason.
Because the App provides digital content and services that begin immediately upon purchase or activation, by completing a purchase and starting to use the paid features you expressly request that performance begin immediately and acknowledge that you thereby lose your right of withdrawal once the service has been fully performed, to the extent permitted by applicable law. Where the right of withdrawal still applies, you may exercise it by contacting Apple (the merchant of record) or us at support@financebay.app. This section does not limit any mandatory consumer rights described in Section 21.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable licence to download, install, and use the App on Apple-branded devices that you own or control, for your personal, non-commercial use. This licence does not constitute a sale of the App or any Content, and we and our licensors retain all rights not expressly granted.
You agree that you will not, and will not permit any third party to:
All Content, including the App's software, design, "Finance Bay" name and logo, and all related trademarks, are owned by the Company or its licensors and are protected by intellectual-property and other laws. Except for the limited licence in Section 10, nothing in these Terms transfers to you any right, title, or interest in the App or Content. Market Data is owned by the respective data providers and is licensed, not sold, to you for personal use only.
If you provide us with any feedback, suggestions, or ideas about the App ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use and incorporate that Feedback for any purpose, without any obligation or compensation to you. You are not required to provide Feedback.
You agree not to use the App to:
You are solely responsible for the User Data you enter into the App and for maintaining your own backups. The App is designed to operate locally on your device; we do not collect or store your User Data on our servers (see the Privacy Policy). We are not responsible for any loss or corruption of User Data, including loss resulting from device failure, deletion of the App, or issues with Apple's iCloud or other services outside our control. You retain all rights in your User Data.
The App is not a source of investment, financial, tax, accounting, or legal advice, and must not be relied upon as such. We are not a registered investment adviser, broker-dealer, financial institution, or fiduciary, and no fiduciary or advisory relationship is created by your use of the App.
Tax information is not tax advice. Any tax-related figures the App produces — including net-of-tax values, gains, losses, or estimated tax — are general estimates based on assumptions and on the information and settings you provide. They may not reflect the tax rules that apply to you or your actual liability, and they are not tax, accounting, or legal advice. You should consult a qualified tax professional and rely on official records before making any tax decision or filing.
Crypto-assets carry heightened risk. Crypto-assets are highly volatile, may be unregulated or only partially regulated in your jurisdiction, and can become illiquid or lose all of their value. Pricing and valuation data for crypto-assets may be especially unreliable. You are solely responsible for assessing the risks of holding or dealing in crypto-assets.
Assumption of risk and sole responsibility for decisions. You acknowledge and agree that:
To the fullest extent permitted by applicable law, you waive and release us from any claim, demand, or liability arising out of or relating to your investment or trading decisions or their outcomes.
Finance Bay is an independent software tool. We are not a bank, broker-dealer, investment firm, investment adviser, fund, payment institution, crypto-asset service provider, or any other type of regulated financial entity. We are not authorised, licensed, registered, or supervised by any financial regulator, including the Polish Financial Supervision Authority (Komisja Nadzoru Finansowego, KNF), the European Securities and Markets Authority (ESMA), the U.S. Securities and Exchange Commission (SEC) or Financial Industry Regulatory Authority (FINRA), the UK Financial Conduct Authority (FCA), or any equivalent authority in any other jurisdiction.
The App is not a regulated financial product or service, and your use of it is not covered by any investor-compensation, deposit-guarantee, or financial-services complaints or ombudsman scheme. Nothing we provide constitutes a regulated activity such as investment advice, portfolio or asset management, or dealing in, arranging, or advising on investments.
While we aim to make the App useful, you acknowledge and agree that the information it presents may contain errors, gaps, and delays, and that you must not treat it as a definitive, official, or audited record. In particular:
a. Your inputs ("garbage in, garbage out"). Many of the App's outputs — including portfolio value, performance, allocation, gains and losses, and tax estimates — are calculated from data you manually enter or import (for example, via CSV). We do not independently verify this data. The App's calculations are only as accurate as the information you provide, and you are responsible for entering and maintaining it correctly.
b. Market Data, prices, and calculations. Prices, quotes, valuations, historical data, and any figures derived from them may be inaccurate, incomplete, delayed, or unavailable, and are not guaranteed to match the prices at which any asset can actually be bought or sold.
c. Corporate actions. Information about stock splits, dividends, and other corporate actions — including any automatic adjustments the App applies to your holdings — may be incorrect, delayed, mis-applied, or omitted. You should independently verify all corporate-action data and any resulting changes to your positions against your broker statements or official sources, and correct your records where needed.
d. Currency conversion. Where the App converts values between currencies, it uses indicative exchange rates that may differ from real-time or transaction rates. Converted figures are approximate.
e. Notifications, alerts, and calendar entries. Any notifications, alerts, or calendar entries the App generates (for example, for dividend or earnings dates) may be delayed, duplicated, inaccurate, or fail to be delivered, and depend on your device and operating-system settings. You must not rely on them for any time-sensitive financial decision.
You are responsible for independently verifying any information before relying on it. Subject to Section 21, we are not liable for any loss arising from inaccuracies, delays, or omissions in the App, as further described in Sections 16 and 22.
The App displays Market Data and other information sourced from third parties, and may link to third-party websites or services. We do not control, endorse, or guarantee the accuracy, completeness, timeliness, or reliability of any third-party content, and we are not responsible for the availability, terms, or privacy practices of any third-party service. Your use of third-party services and your reliance on any third-party information is at your own risk and may be subject to the third party's own terms.
Market Data is provided by third-party data vendors and is subject to their terms. Such data is licensed to you for your personal, non-commercial use only; you may not redistribute, resell, scrape, store for redistribution, or otherwise commercially exploit it. The data is provided "as is", without any warranty of accuracy, completeness, or timeliness. Where a data provider requires specific end-user terms or disclaimers, those apply to your use of the relevant data in addition to these Terms.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE APP AND ALL CONTENT AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS, OR THAT ANY MARKET DATA WILL BE ACCURATE OR RELIABLE.
This section does not exclude or limit any warranty or guarantee that cannot be excluded or limited under the law applicable to you (see Section 21).
If you are a consumer, you benefit from mandatory provisions of the law of your country of residence. Nothing in these Terms affects, excludes, or limits any rights you have under those mandatory consumer-protection laws that cannot be excluded or limited by agreement — including, where applicable, statutory guarantees of conformity and remedies under EU and Polish consumer law, the UK Consumer Rights Act 2015, the Australian Consumer Law, or equivalent legislation in your jurisdiction. Where any provision of these Terms conflicts with such mandatory rights, those rights prevail.
NOTHING IN THESE TERMS EXCLUDES OR LIMITS OUR LIABILITY FOR: (a) DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE; (b) FRAUD OR FRAUDULENT MISREPRESENTATION; OR (c) ANY OTHER LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
SUBJECT TO THE ABOVE, AND TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
a. WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INVESTMENT LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
b. WE ARE NOT LIABLE FOR ANY INVESTMENT, TRADING, OR FINANCIAL DECISION YOU MAKE, OR FOR ANY TRADING OR INVESTMENT LOSS, MISSED GAIN, LOST OPPORTUNITY, OR TAX CONSEQUENCE YOU SUFFER, WHETHER OR NOT THE DECISION WAS INFLUENCED BY THE APP, AND WHETHER OR NOT ANY MARKET DATA, CALCULATION, PROJECTION, OR BENCHMARK SHOWN IN THE APP WAS INACCURATE, INCOMPLETE, DELAYED, OR ERRONEOUS. ALL SUCH DECISIONS ARE MADE AT YOUR SOLE RISK AS DESCRIBED IN SECTION 16.
c. OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE APP WILL NOT EXCEED THE GREATER OF (i) THE TOTAL AMOUNT YOU PAID FOR THE APP OR A SUBSCRIPTION IN THE 12 MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (ii) EUR 50 (OR THE EQUIVALENT IN YOUR LOCAL CURRENCY).
If you are a consumer, the limitations in this section apply only to the extent permitted by the mandatory law applicable to you, and do not affect the rights described in Section 21.
To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Company and its affiliates, licensors, and service providers from any claims, damages, liabilities, losses, costs, and expenses (including reasonable legal fees) arising out of or related to (a) your misuse of the App, (b) your breach of these Terms, or (c) your violation of any law or third-party right. This section does not apply to consumers to the extent prohibited by applicable consumer-protection law.
You consent to receive these Terms, the Privacy Policy, and all related notices, disclosures, agreements, and other communications from us electronically — including in-app, by our posting an updated version within the App, or on our website — and you agree that this electronic delivery satisfies any legal requirement that such communications be in writing. You may withdraw this consent by ceasing to use the App, but doing so may prevent you from using some or all of its features. This section does not affect any mandatory right you have under applicable consumer law to receive certain information in a durable medium.
a. The App. We may modify, update, suspend, or discontinue the App (or any feature) at any time, including to comply with legal requirements or to improve the App. Where a change materially and adversely affects paid features, we will, where required by law, provide reasonable notice and, where applicable, a remedy.
b. These Terms. We may revise these Terms from time to time. The "Last updated" date at the top reflects the latest version, and the current version of these Terms can always be found within the App and on our website at https://financebay.app. You are responsible for reviewing these Terms periodically to stay informed of any changes. For material changes, we will provide reasonable notice (for example, in-app or by updating the App). Your continued use of the App after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the App and may cancel any Subscription.
a. By you. You may stop using the App at any time and delete it from your devices. You may cancel a Subscription as described in Section 8(e).
b. By us. We may suspend or terminate your access to the App, with or without notice, if you materially breach these Terms or if required to do so by law or by Apple. Where you are a consumer, we will act proportionately and give notice where required by law.
c. Effect. Upon termination, the licence in Section 10 ends and you must stop using the App. Sections that by their nature should survive termination — including, without limitation, Sections 11–24, 27–35, and Section 26(c) — will continue to apply.
You agree to comply with all applicable export-control and economic-sanctions laws and regulations, including those of the European Union, Poland, the United Kingdom, and the United States. You represent that you are not located in, under the control of, or a national or resident of any country or party subject to applicable embargoes or restrictions, and that you will not use the App in violation of any such laws.
These Terms, and any dispute or claim arising out of or in connection with them or the App, are governed by the laws of Poland, without regard to conflict-of-law rules. If you are a consumer, this choice of law does not deprive you of the protection afforded by mandatory provisions of the law of your country of habitual residence.
a. Informal resolution. Before bringing a formal claim, please contact us at support@financebay.app so we can try to resolve the matter informally.
b. Courts. Subject to Section 29(c), the courts of Poland will have jurisdiction over any dispute arising out of or in connection with these Terms.
c. Consumers. If you are a consumer resident in the EU/EEA or another jurisdiction with equivalent rules, you may bring proceedings in, and benefit from the mandatory consumer-protection rules of, your country of habitual residence, and nothing in this section overrides those rights.
d. EU Online Dispute Resolution. The European Commission provides an Online Dispute Resolution platform for consumers, available at https://ec.europa.eu/consumers/odr. We are not obliged to, and do not currently commit to, use an alternative dispute-resolution body, but you may use this platform to submit a complaint.
We are not liable for any delay or failure to perform resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labour disputes, governmental action, internet or telecommunications failures, or failures of third-party services or platforms.
You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, or sale of assets, or by operation of law, provided your rights as a consumer are not diminished.
If any provision of these Terms (or any part of a provision) is held or found to be invalid, illegal, unenforceable, or otherwise inapplicable for any reason — whether as a matter of law, as to any particular person or circumstance, or in any particular jurisdiction — that provision or part will be deemed modified to the minimum extent necessary to make it valid and enforceable, or, if it cannot be so modified, will be severed and deemed deleted. In every case, the remaining provisions of these Terms will continue in full force and effect. The invalidity, unenforceability, or inapplicability of any provision in one jurisdiction or as to one person will not affect the validity, enforceability, or applicability of that provision in any other jurisdiction or as to any other person, nor of any other provision of these Terms. Our failure to enforce any right or provision will not be deemed a waiver of that right or provision.
These Terms, together with our Privacy Policy and any applicable Apple terms, constitute the entire agreement between you and us regarding the App and supersede all prior agreements and understandings, whether written or oral, on that subject.
These Terms are provided in English. If we provide a translation, the English version prevails in the event of any conflict, except where the mandatory law of your jurisdiction requires otherwise.
If you have any questions about these Terms, please contact us:
Arkadiusz Szczepkowicz
Sole proprietor (jednoosobowa działalność gospodarcza), Poland
Email: support@financebay.app
By downloading, installing, or using Finance Bay, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.