Terms of ServiceLast updated: 2026-03-20

The Gist

Ingram Technologies SRL ("Financica") operates the Financica service at https://financica.app (the "Website").

If you use the Service, you must use it responsibly and lawfully. If you do not, we may suspend or terminate your account.

Paid plans renew automatically (monthly or yearly, depending on your plan). You can cancel at any time, but cancellations apply at the end of the current billing term unless required otherwise by law.

You own your business data. We only use it to operate, secure, and improve the Service as described in these Terms and our Privacy Policy.

We may update these Terms, the Service, and our pricing. We will provide at least 30 days' notice before material pricing changes.

Your Agreement with Us

Your use of the Service is governed by these Terms. "Service" means the Website and all related applications, APIs, software, and services offered by Financica.

By creating an account, accessing, or using the Service, you agree to these Terms.

If you do not agree with an updated version of these Terms, you must stop using the Service and close your account before the updated Terms take effect.

Eligibility and Accounts

  • You must be at least 18 years old and legally able to enter into a binding agreement.
  • You may not use the Service if you are barred from doing so under applicable law.
  • If you register on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.
  • You must provide accurate and complete registration and billing information, and keep it up to date.
  • You are responsible for safeguarding account credentials and for all activity under your account.
  • If your account is used by a team, you are responsible for ensuring only authorized users have access.

Service Policies and Privacy

The Service is subject to our Privacy Policy, which is incorporated into these Terms.

If you upload or process personal data of third parties (for example customer, supplier, employee, or contractor data), you are responsible for ensuring you have a valid legal basis and all required notices and permissions.

When applicable, you act as the data controller and Financica acts as your processor for that data.

If you need a separate data processing agreement (DPA), contact legal@financica.app.

Use of the Service

You must comply with all applicable laws and regulations when using the Service.

You may not:

  • access or use the Service in a way intended to avoid fees;
  • interfere with, disrupt, or degrade the Service or other users' experience;
  • attempt unauthorized access to any account, system, or network;
  • copy, modify, reverse engineer, decompile, or attempt to extract source code, except where explicitly allowed by law or license;
  • use automated methods to create accounts or abuse API limits;
  • upload malware, malicious code, or unlawful content; or
  • impersonate Financica or any other person or entity.

We may apply quotas, rate limits, and technical restrictions as needed for reliability, security, and fair use.

Fees, Billing, and Renewals

  • Paid subscriptions are billed in advance on a recurring monthly or yearly basis, depending on the selected plan.
  • Subscriptions renew automatically until canceled.
  • You authorize us (or our payment provider) to charge your selected payment method for recurring fees, applicable taxes, and other agreed charges.
  • You are responsible for any applicable VAT, sales tax, withholding tax, or similar taxes, except taxes based on our net income.
  • If a free trial is offered, it will convert to a paid subscription unless canceled before the trial period ends.
  • If payment fails, we may retry charges, suspend paid features, or suspend/terminate the account after notice.
  • You may cancel at any time. Unless required by law, fees already paid are non-refundable.
  • We may change pricing with at least 30 days' prior notice.

Customer Data and Content

You retain ownership of the data and content you submit to the Service ("Customer Data").

You grant us a non-exclusive, worldwide license to host, copy, transmit, process, and display Customer Data only as needed to provide, maintain, secure, support, and improve the Service, and to comply with law.

You are responsible for the legality, quality, and accuracy of Customer Data and for keeping your own backup/export copies when needed for your operations.

Upon account closure, we will handle deletion or anonymization of Customer Data according to our Privacy Policy and applicable law.

Integrations, AI Features, and Third-Party Services

The Service may include or integrate with third-party services (for example payment, banking, storage, communication, analytics, or AI services).

If you enable a third-party integration or AI feature, you instruct us to share data necessary to operate that feature. Your use of third-party services is also governed by that provider's terms and policies.

AI-generated suggestions or outputs may be incomplete or inaccurate. You are responsible for reviewing outputs before relying on them for accounting, tax, financial, or legal decisions.

Intellectual Property and License

The Service, including its software, design, and content (excluding Customer Data), is owned by Financica or its licensors and is protected by applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Service for your internal business use.

If you provide feedback, suggestions, or ideas about the Service, you grant us a worldwide, perpetual, irrevocable, royalty-free license to use them without restriction or compensation.

Service Changes, Availability, and Support

We may modify, add, or remove features at any time, including for maintenance, security, legal compliance, or product evolution.

We do not guarantee uninterrupted or error-free operation of the Service. Planned and emergency downtime may occur.

Unless agreed otherwise in writing, these Terms do not include any service-level agreement (SLA).

Suspension and Termination

You may terminate your account at any time.

We may suspend or terminate access immediately if we reasonably believe:

  • you breached these Terms;
  • your use poses a security, legal, or operational risk;
  • payment is overdue; or
  • suspension is required by law or a valid authority request.

Upon termination, your right to access and use the Service ends immediately. Any unpaid amounts remain due. Sections that by their nature should survive termination will survive, including sections on fees owed, intellectual property, disclaimers, limitation of liability, indemnification, and governing law.

Disclaimer of Professional Advice

The Service may provide accounting workflows, estimates, summaries, categorizations, or informational guidance. Unless explicitly stated otherwise in writing, this is not legal, tax, audit, or investment advice.

You remain responsible for validating outputs and for your filings, books, and compliance obligations.

Disclaimer of Warranties

To the maximum extent permitted by law, the Service is provided "as is" and "as available", without express or implied warranties, including warranties of merchantability, fitness for a particular purpose, non-infringement, and uninterrupted availability.

We do not guarantee that the Service will be error-free, fully secure, always available, or suitable for your specific needs.

Limitations on Liability

To the maximum extent permitted by law, Financica and its affiliates, officers, employees, contractors, and licensors will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunity.

Our total aggregate liability for claims arising out of or related to the Service or these Terms is limited to the greater of:

  • the total fees you paid for the Service during the 12 months before the event giving rise to the claim; or
  • EUR 100.

Nothing in these Terms limits liability where such limitation is prohibited by applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless Financica and its affiliates, officers, employees, contractors, and licensors from and against claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

  • your use of the Service;
  • your breach of these Terms; or
  • your violation of applicable law or third-party rights.

Choice of Law and Dispute Resolution

These Terms are governed by the laws of Belgium, without regard to conflict-of-laws rules.

Any dispute arising from or relating to these Terms or the Service shall be submitted to the competent courts of Brussels, Belgium, unless mandatory law provides otherwise.

General Legal Terms

  • Force majeure: We are not liable for delays or failures caused by events beyond our reasonable control.
  • Assignment: You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganization, or sale of assets.
  • Severability: If any provision is held unenforceable, the remaining provisions remain in effect.
  • Waiver: Failure to enforce any provision is not a waiver of future enforcement.
  • Entire agreement: These Terms and the Privacy Policy form the entire agreement between you and Financica regarding the Service.
  • Notices: We may provide notices by email, in-app message, or posting on the Website.

How to Contact Us

You may contact us exclusively by email: