Terms of Service
Last updated: February 22, 2026
These Terms of Service govern your use of FinMan (https://finman.vhworx.com), a service developed and operated by VHWorx (Viktor Holoshivskyi), a sole proprietor based in Austria. By accessing or using our service, you agree to be bound by these terms.
1. Acceptance of Terms
By creating an account or using FinMan, you confirm that you are at least 18 years old, have read and understood these Terms, and agree to be legally bound by them. If you do not agree to these Terms, please do not use our service.
2. Description of Service
FinMan is a personal finance management application that allows users to track income and expenses, manage utility bills, import bank transactions, and analyze their financial data. The service is provided as-is for personal use.
3. User Accounts
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must notify us immediately of any unauthorized use. We reserve the right to terminate accounts that violate these Terms.
4. Acceptable Use
You agree to use FinMan only for lawful purposes. You must not attempt to gain unauthorized access to our systems, upload malicious code, interfere with other users, or use the service to engage in any illegal activity.
5. Data and Privacy
Your use of FinMan is also governed by our Privacy Policy. By using the service, you consent to the collection and processing of your data as described in the Privacy Policy.
6. Limitation of Liability
FinMan is provided 'as is' without any warranties. We are not liable for any indirect, incidental, or consequential damages arising from your use of the service, including loss of financial data.
7. Changes to Terms
We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of FinMan after changes constitutes acceptance of the new Terms.
8. Contact
If you have questions about these Terms, please contact us through the application.