Terms of Service
Last Updated: October 2026 · Effective Date: October 2026
FINNA (operated by [Company Name]) provides technology-based financial intelligence, cashflow forecasting, and automated government welfare scheme eligibility matching. FINNA is NOT a SEBI-registered Investment Adviser (RIA), Research Analyst, Portfolio Manager, or RBI-regulated banking institution. The insights, calculations (such as Safe-to-Spend and Health Score), and AI Copilot responses do not constitute binding investment, credit, legal, or tax advice. You are advised to exercise independent judgment or consult an authorized financial advisor before making monetary decisions.
1. Acceptance of Terms
By accessing or using the FINNA web application (accessible at https://www.finnastudio.me) or our mobile application wrappers (collectively, the “Platform”), you agree to be bound by these Terms of Service (“Terms”) and our Privacy Policy. If you do not agree to these Terms, you must immediately discontinue use of the Platform.
2. Eligibility & Account Creation
To use FINNA, you must be a resident of the Republic of India and at least 18 years of age. You agree to provide accurate, true, and complete information during registration (via email/password or email OTP verification) and to keep your credentials confidential. You are solely responsible for all activities occurring under your account.
3. Account Aggregator (AA) Framework Integration
FINNA integrates with India's Reserve Bank of India (RBI) regulated Account Aggregator ecosystem to retrieve consented financial data from Financial Information Providers (FIPs, such as banks including SBI, HDFC, ICICI, Axis).
- Data Gateway: We use the RBI-licensed Account Aggregator gateway operated by Setu (Setu AA / Cookiejar Technologies / licensed NBFC-AA partners).
- Read-Only Access: All access through the AA ecosystem is strictly read-only. FINNA cannot initiate funds transfers, debits, payments, or modify your banking records in any way.
- Explicit Consent: Data is fetched only upon your explicit two-factor authentication (including mobile verification and bank OTP authorization).
- Scope of Data: The data requested is strictly limited to Profile information, Deposit Account Summaries, and Transaction History (Credits & Debits) for personal finance management and gig earnings reconciliation.
4. Revocation of Consent
Under RBI Master Direction DNBR.030, you possess the unconditional right to revoke your Account Aggregator consent at any time. You can trigger revocation directly within the FINNA application under Bank Sync (AA) or through your respective Account Aggregator consumer portal. Upon revocation, all scheduled automated statement fetches terminate immediately.
5. User Conduct & Security
You agree not to reverse-engineer, decompile, or tamper with the security protocols of the Platform, attempt unauthorized access to another user's data, or submit fraudulent or forged data. All communication between your device and FINNA is encrypted using Transport Layer Security (TLS 1.3).
6. Limitation of Liability
To the fullest extent permitted by applicable Indian law, [Company Name] and its affiliates shall not be liable for any indirect, incidental, or consequential damages, loss of profits, or data corruption arising from your use of the Platform or delays/failures of third-party banking APIs, FIP bank networks, or Setu gateway downtime.
7. Governing Law & Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of India. Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the competent courts in [City / State, e.g., Chennai, Tamil Nadu, India].
8. Grievance Redressal & Contact Information
In accordance with the Information Technology Act 2000 and the Digital Personal Data Protection Act 2023, the details of our designated Grievance Officer are provided below:
Entity: [Company Name]
Grievance Officer: [Grievance Officer Name / Legal Team]
Email: [Contact Email] (e.g. support@finnastudio.me)
Address: [Address, e.g., FINNA Tech Studio, Chennai, Tamil Nadu, PIN 600001, India]