Effective / Last Updated Date: November 11, 2026 · Application: Finora (com.example.finora, Version 1.0) · Developer: Israr Azeem (Individual Developer) · Support Contact: israrazeem48@gmail.com
By downloading, installing, or using the Finora Android native application (package com.example.finora, Version 1.0) or visiting the official Finora website (https://www.finoraapp.site or https://sites.google.com/view/finora-ledger), you agree to these Terms of Service and our Privacy Policy.
Age Eligibility (13+ / General Audience): Finora is intended for a 13+ / General Audience and is not directed at children under 13 (or the minimum digital consent age in your jurisdiction).
Personal License: Subject to your compliance with these Terms, Israr Azeem grants you a personal, non-commercial, non-exclusive, non-transferable, revocable license to install and use Finora on Android devices you own or control for lawful personal finance management.
You retain complete ownership of all financial records, accounts, transactions, budgets, receipts, exports, and backups you create in Finora.
Local Encrypted Database: Finora operates offline-first using a SQLCipher AES-256 encrypted Room SQLite database (finora_db_v22) with PBKDF2-HMAC-SHA256 key derivation and Android cloud backup disabled (allowBackup="false"). Local database encryption uses an app/device-managed key by default.
Device Lock & Passphrase Backups: You are solely responsible for securing your device screen lock, optional Android Biometric / Fingerprint unlock, optional fallback PIN, and any custom passphrases used to encrypt .finora backup files (AES-256-GCM) or JSON, CSV, and PDF exports.
No Passphrase Recovery: The developer does not store your backup passphrases and cannot decrypt or recover any .finora backup or local data if you forget your passphrase or lose/wipe a device without a valid backup.
Finora is a personal finance tracking and bookkeeping utility only. Nothing presented in Finora—including multi-currency exchange rate conversions, budget projections, net worth summaries, debt/loan/receivable trackers, investment holding records, imported CSV/QIF/JSON bank statements, or on-device Google ML Kit receipt OCR extractions—constitutes financial, investment, tax, accounting, or legal advice. You must independently verify OCR-extracted figures, reconciled entries, and exported PDF/CSV reports against official financial institution statements before making financial, legal, or tax decisions.
Core Free Experience: All core financial operations (add, edit, clone, split, transfer, and delete transactions, manage accounts, viewing, search, and filtering) are free with zero interstitial ads and zero ads or cooldowns inside transaction or account workflows.
Banner & Opt-In Rewarded Ads: Finora Free may display conservative anchored adaptive banner advertisements on two dedicated placements (More bottom and Insights bottom) and may offer optional opt-in rewarded ads when configurable daily or monthly export/print allowances apply. Choosing Not Now or closing a rewarded ad early keeps your inputs intact with zero penalty and zero waiting period. Rewarded ad unlocks grant non-transferable in-app export/print uses only upon Google's official reward callback and carry zero monetary or cash value.
Finora Pro Annual Subscription: Finora offers an optional Finora Pro auto-renewing annual subscription at $8.00 USD / 1 year (or the localized price displayed by Google Play Store at checkout when store products are active in Google Play), plus optional permanent unlock products if configured in Google Play Console. Finora Pro disables all banner ads, rewarded ad prompts, and usage limits.
Billing, Renewals, Cancellation & Refunds: All payments, auto-renewals, cancellations, expirations, suspensions, and refunds are processed and governed solely by Google Play Billing under the Google Play Terms of Service. You may cancel anytime through Google Play Subscriptions; canceling stops future renewals while retaining Pro benefits through the end of the current billing cycle and preserving full local access to your financial records afterward. Pending transactions remain ungranted until settled by Google Play, and expired, refunded, or suspended entitlements revert to the Free tier.
Optional Cloud Sync: Optional backup transfers under More > Cloud Sync connect directly from your device to your own Google Drive (restricted strictly to the https://www.googleapis.com/auth/drive.file scope), Dropbox, Nextcloud, or custom WebDAV server. Your use of third-party storage is governed by each provider's own terms and privacy policies, and you are responsible for securing your cloud accounts and self-hosted WebDAV/Nextcloud endpoints.
Local Wi-Fi Companion: The optional embedded Ktor Local Wi-Fi Companion server operates strictly on your local Wi-Fi network using a 6-digit PIN and QR pairing without any Finora cloud relay. You agree to use this feature only on trusted private Wi-Fi networks and not expose it on untrusted public networks.
Acceptable Use & IP: You agree not to use Finora for unlawful activities, circumvent security controls, or abuse third-party cloud APIs. All Finora code, design, and documentation remain the intellectual property of Israr Azeem (israrazeem48@gmail.com).
Termination & Data Wipe: You may stop using Finora anytime by erasing local data via More > Privacy & Data Wipe, uninstalling the app, tapping Logout in More > Cloud Sync, revoking Google access at Google Account Permissions, and deleting FinoraBackups/finora_cloud_snapshot.json directly from your cloud storage.
Finora is provided on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, express, implied, or statutory, including merchantability, fitness for a particular purpose, non-infringement, OCR accuracy, exchange rate availability, or uninterrupted cloud provider uptime. To the maximum extent permitted by applicable law, the developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or financial records arising from your use of Finora, lost backup passphrases, device loss/damage, or third-party cloud outages.
Support & Legal Contact: Israr Azeem — israrazeem48@gmail.com