Finantly

TERMS OF SERVICE OF FINANTLY

Effective from: 21 August 2026 Version: 1.0

This is an English translation of the Polish-language Terms. In case of any discrepancy between the language versions, the Polish version prevails.

§ 1. General provisions

These Terms of Service define the type, scope and conditions of providing services by electronic means via the Finantly Service, available at finantly.com, including the rules of using the application and the rules of concluding and terminating contracts for paid services (subscriptions).
The owner of the Service and the service provider is Jakub Karwowski, carrying out unregistered business activity (działalność nierejestrowana) within the meaning of Art. 5 of the Act of 6 March 2018 – Entrepreneurs’ Law, address: ul. Marysińska 88A/27, 91-850 Łódź, Poland, e-mail: help@finantly.com (the “Provider”).
These Terms are addressed to Consumers — natural persons using the Service for purposes not directly related to their business or professional activity. Using the Service for professional purposes is not its intended use.
Using the Service and the Services requires prior review and acceptance of these Terms. Failure to accept the Terms prevents account registration and use of the Services.
These Terms fulfil the obligation referred to in Art. 8(1)(1) of the Act of 18 July 2002 on providing services by electronic means.

§ 2. Definitions

Service — the Finantly online platform available at finantly.com and its subdomains.
Application — the software (System) provided in the SaaS model, enabling use of Finantly functionalities via the Service.
User — a natural person using the Service and the Services.
Consumer — a natural person performing a legal transaction with an entrepreneur not directly related to their business or professional activity, to whom the law (incl. the Consumer Rights Act and the Civil Code) grants consumer rights.
Account — a set of resources and settings assigned to the User, accessible after logging in.
Services — services provided electronically within the Service, including account maintenance and access to the Application’s functionalities under a subscription.
Subscription — a paid Service of access to the Application, provided for a selected billing period (monthly or annual) in accordance with the Pricing.
Pricing — a list of prices of the Services available in the Service at https://finantly.com/en/#pricing, constituting an integral part of these Terms.
Payment operator — Polar (Polar Software Inc.), acting as a Merchant of Record — the entity that handles payments, acts as the seller towards the User in respect of the payment transaction and issues confirmations/receipts.
GDPR — Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016.
Privacy Policy — the document describing the rules of personal data processing, available in the Service.

§ 3. Technical requirements

Using the Service requires: a device with Internet access, a current web browser with cookies and JavaScript enabled, and an active e-mail address.
The Provider is not liable for technical problems resulting from the User’s failure to meet the above requirements.

§ 4. Registration and Account

Account registration takes place by completing the registration form (providing first name, last name, e-mail address and setting a password) or by logging in using a Google account.
A condition of registration is acceptance of these Terms, review of the Privacy Policy, and confirmation of being at least 18 years old. The Service is intended solely for adults.
The contract for maintaining the Account is concluded upon confirmation of the e-mail address (account activation). Where registration is carried out using a Google account, the e-mail address is confirmed by that provider and the contract is concluded upon creation of the Account.
The login is the User’s e-mail address. The User is obliged to keep login credentials confidential and not to share them with third parties.
Registration and account maintenance are free of charge. Using the Application’s functionalities requires purchasing a Subscription in accordance with the Pricing (there is no free version).
The Account is set up for an indefinite period. The User may delete the Account at any time without giving a reason — from the Account settings in the Application, with confirmation of the operation by e-mail.

§ 5. Scope of the Services

Within the Service, the Provider enables the User in particular to: maintain an Account, use personal-finance management features (incl. recording transactions, wallets, budgets, categories, net worth, financial calculators, AI-assisted tools), and contact the Provider.
Using the Application’s functionalities requires prior account registration, acceptance of these Terms and the Privacy Policy, and purchase of a Subscription.
The Provider provides the Services continuously. The Provider reserves the right to temporary interruptions related to maintenance or upgrade works, informing of planned interruptions by electronic means or in the Service.
The Provider is not liable for interruptions caused by force majeure, failures of the User’s equipment, power or Internet outages, or unauthorised interference by third parties.

§ 6. Subscription — conclusion of contract, prices, renewal

Use of the Application takes place under a Subscription in a monthly or annual variant, in accordance with the Pricing. Prices in the Pricing are gross prices (they include applicable taxes).
Before concluding the contract, the User is presented with: the price, scope and duration of the Service, the rules of automatic renewal, and the rules of cancellation and refund.
The Subscription contract is concluded by placing an order within the payment process operated by the Payment operator and confirming it with the button finalising the order. Directly next to that button, the price, the billing period and the paid, automatically renewing nature of the order are presented. The contract is concluded upon payment.
The Subscription renews automatically for the next billing period, with the fee charged in advance, until cancelled by the User. The User may cancel renewal at any time — from subscription management; access to the Service then remains active until the end of the paid period.
The provision of the paid Service begins upon activation of the Subscription after the payment is booked.
The Provider may offer promotions and discounts (e.g. an early-adopter discount) on the terms and for the period indicated in the Pricing or in the content of a given promotion. A change to the Pricing does not affect the prices of Subscriptions paid before the change.

§ 7. Payments

Payments are handled by the Payment operator (Polar) acting as a Merchant of Record. In respect of the payment transaction, the operator acts as the seller towards the User, settles applicable taxes and provides the User with a payment confirmation (receipt/invoice).
Available payment methods are presented during order placement on the Payment operator’s side.
The Provider does not store the User’s payment card data — payment data is processed solely by the Payment operator within the hosted payment process (in accordance with PCI-DSS requirements).
The moment of payment is the confirmation of a successful payment by the operator.

§ 8. Withdrawal from the contract and refund guarantee

Statutory right of withdrawal (14 days). The Consumer has the right to withdraw from a distance contract within 14 days without giving a reason.
Immediate commencement of performance. In order to provide access to the Service immediately after payment of the Subscription, by placing an order the User consents to the commencement of performance of the Service before the withdrawal period expires. This consent is given by ticking the appropriate box when placing the order and serves solely to make the Service available immediately — it does not deprive the User of the right of withdrawal or of the refund guarantee referred to below.
Voluntary refund guarantee (30 days). The Provider grants Users a voluntary full money-back guarantee within 30 days of the first conclusion of the Subscription contract — more favourable than statutory rights. The guarantee applies to the first billing period and does not apply again to automatic renewals of the Subscription. Under the guarantee, the User may cancel the Subscription and receive a refund of the full fee paid, regardless of the extent of use of the Service during that time.
How to use the guarantee. To use the refund guarantee, simply submit a request to help@finantly.com within 30 days. The refund is made via the Payment operator to the same payment instrument, and access to the Service is terminated.
Account deletion or Subscription cancellation vs. refund. Deleting the Account or cancelling automatic renewal alone is not equivalent to a refund request and does not result in an automatic refund. To receive a refund — under the guarantee (sec. 3–4) or as a result of withdrawal (sec. 6) — the request must be submitted from the Account settings in the application or, in particular after Account deletion, by e-mail to help@finantly.com. An e-mail request is a fully effective way of requesting a refund, including after Account deletion. An unambiguous statement of withdrawal from the contract, submitted within 14 days, is effective regardless of form and results in a refund in accordance with applicable law.
How to exercise the statutory right of withdrawal. To exercise the statutory right of withdrawal (sec. 1), the User should submit an unambiguous statement — e.g. by e-mail to help@finantly.com. The User may use the model withdrawal form constituting Appendix No. 1 to these Terms (use of the form is not mandatory).
The guarantee and the rights referred to in this paragraph do not limit or exclude the rights vested in the Consumer under mandatory provisions of law.

§ 9. Complaints

The User may submit a complaint regarding the operation of the Service or the Services provided to: help@finantly.com.
The complaint should indicate: the e-mail address assigned to the Account, a description of the irregularity (with the date of its occurrence) and the expected manner of resolution.
The Provider will consider the complaint promptly, no later than within 14 days of its receipt, and will inform the User of the resolution by electronic means.

§ 10. User obligations and termination of the contract

By accepting these Terms, the User undertakes to: not provide unlawful content, not take actions that disrupt the operation of the Service, and use the Service in accordance with the law, good practice and these Terms.
The contract for paid Services terminates at the end of the paid billing period if it is not renewed, or as a result of using the refund guarantee or deleting the Account.
The contract for maintaining the Account terminates upon deletion of the Account by the User.
The Provider may suspend or block access to the Account in the event of a breach of these Terms or the law by the User, informing the User thereof. In the event of gross or repeated breaches, the Provider may terminate the contract with immediate effect.

§ 11. Informational nature of the Services — disclaimers

No investment or financial advice. The Application and its functionalities (incl. the calculators: financial freedom, real estate, car, loan overpayment, as well as AI-assisted tools) are for information and assistance purposes only. They do not constitute investment, financial, tax or legal advice, a recommendation within the meaning of applicable law, or a basis for making financial decisions. The User makes financial decisions independently and at their own risk; consulting a licensed adviser is recommended where necessary.
Data from external sources. Some information (incl. prices of financial instruments, currency exchange rates) comes from external sources and is indicative. The Provider does not guarantee its accuracy, completeness or timeliness and is not liable for decisions made on its basis.
The results of the calculators are based on the data and assumptions entered by the User and constitute only estimates.

§ 12. Personal data

The controller of Users’ personal data is the Provider.
The rules of personal data processing and information about cookies are set out in the Privacy Policy available in the Service.

§ 13. Intellectual property and licence

The Service and the Application and their elements (incl. software, graphics, logos) are protected by intellectual property law and are the property of the Provider or entities from which the Provider obtained the relevant rights.
The Provider grants the User a non-exclusive, non-transferable licence to use the Application in accordance with its intended purpose, for the duration of the Service. The licence expires upon deletion of the Account.
Copying, distributing or modifying elements of the Service and the Application without the Provider’s consent is prohibited.

§ 14. Changes to the Terms

The Provider may amend these Terms for important reasons (incl. changes in the law, changes in the scope or manner of providing the Services, security considerations), while respecting acquired rights.
The Provider will inform Users of changes no later than 14 days before they take effect — via a notice in the Service and a message to the e-mail address assigned to the Account.
The absence of objection within 14 days of notification is deemed acceptance of the new Terms. In the event of objection, the contract terminates on the day preceding the entry into force of the changes.

§ 15. Final provisions

The Terms are available free of charge in the Service.
In matters not regulated herein, Polish law applies, including the Civil Code, the Consumer Rights Act and the Act on providing services by electronic means.
The Consumer may use out-of-court means of handling complaints and pursuing claims, incl. before permanent consumer arbitration courts, provincial inspectorates of the Trade Inspection, and with the assistance of district (municipal) consumer ombudsmen. Use of these is voluntary.
Any disputes will be resolved by the court competent under the applicable law.

Appendix No. 1 — Model withdrawal form

(this form should be completed and returned only if you wish to withdraw from the contract; its use is not mandatory)

Addressee: Jakub Karwowski, ul. Marysińska 88A/27, 91-850 Łódź, Poland, e-mail: help@finantly.com

I/We hereby give notice of my/our withdrawal from the contract for the provision of the following service: ……………………………………………

Date of conclusion of the contract: …………………………… Consumer’s name: …………………………… Consumer’s address / e-mail assigned to the Account: …………………………… Date: …………………………… Consumer’s signature (only if this form is sent on paper): ……………………………

Version 1.0 — effective from 21 August 2026.