1. Provider and Scope
The provider of the "Fintraq" app is Andre Neubert, Mainz, Germany (contact: contact@andreneubert.com). Further provider details can be found in the Impressum. These Terms of Use apply to the use of the app on iOS and Android. If you obtain the app via the Apple App Store, Apple's standard Licensed Application End User License Agreement (Apple Standard EULA) applies in addition; if you obtain it via Google Play, the Google Play Terms of Service apply in addition.
2. Scope of the Free Version
Fintraq provides local personal finance planning. The data you enter is stored exclusively locally on your device; there is no user account and no server synchronization.
3. Fintraq Plus (In-App Subscription)
Fintraq Plus is an optional auto-renewing subscription (1 month or 1 year) and includes exactly the following features:
- loan calculator,
- before-after comparison when saving plan changes,
- adding new "pay in 30 days" purchases (invoice and BNPL purchases) including their automatic scheduling in the monthly plan,
- the full analysis of your financial history (monthly trends, spending categories, budgets, fixed costs, loans and interest, savings goals, and CSV and report exports; the core overview with totals and monthly averages remains available without a subscription),
- ad-free use of the app.
Also included are bug fixes, security updates, and other updates required to provide these features as contractually agreed (Section 327f of the German Civil Code, BGB).
4. Future Features
Fintraq is continuously being developed. New features that go beyond the scope described in Section 3 may be offered as separate purchases or in a separate, higher product tier. There is no entitlement to future additional features. Plus features already purchased remain unaffected; paid features will not be removed or materially restricted for active subscriptions.
5. Conclusion of Contract, Prices, Renewal, Cancellation
The purchase of the subscription is processed via the Apple App Store (contracting party: Apple Distribution International Ltd.) or Google Play (contracting party: Google Commerce Ltd.). The applicable price is displayed in the store before purchase and includes statutory VAT.
The subscription renews automatically for the selected term unless it is cancelled in the subscription settings of the respective store before the end of the current term. Cancellation is possible at any time, effective at the end of the current term. Deleting the app does not cancel the subscription.
If a free trial is offered, it is available only when subscribing for the first time. After it ends, it automatically converts into the paid subscription unless it is cancelled in the subscription settings of the respective store before the end of the trial period.
When the subscription ends, the Plus features listed in Section 3 are no longer available; ad-free use ends accordingly and ads are shown again. The data you have entered in the app remains unaffected and fully intact. Subscribing again unlocks the Plus features once more.
6. Withdrawal and Refunds
The withdrawal and refund rules of the respective store (Apple or Google) apply to the purchase process. Please direct refund requests directly to the store through which you purchased.
7. No Financial Advice
Fintraq is a planning tool. The app does not provide investment, tax, or other financial advice; all calculations are for orientation purposes only.
8. Liability
Andre Neubert is liable without limitation for intent and gross negligence as well as for damages resulting from injury to life, body, or health. In cases of ordinary negligence, liability exists only for the breach of essential contractual obligations (obligations whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely), limited to the foreseeable damage typical for this type of contract. Liability under the German Product Liability Act remains unaffected.
9. Final Provisions
German law applies, excluding the UN Convention on Contracts for the International Sale of Goods; mandatory consumer protection provisions of the country of your habitual residence remain unaffected. These Terms of Use may be updated if Fintraq or legal requirements change; the current version is available at this URL.