Terms of Use and Sale

1. Acceptance of Terms

By accessing and using the Finvygo application, you agree to be bound by these terms of use. If you do not accept these terms, please do not use the application. The Premium terms of sale, below, apply in addition to any purchase; you accept them when you buy.

2. Service Description

Finvygo, published by Exocore Group, is a wealth tracking service: you record and view your investments (stocks, cryptocurrencies, real estate, savings and other asset classes) in it. Tracking is free, with no limit on assets. The paid Premium offer adds features described in the terms of sale below.

3. User Account

You can sign in with a private key, by email, with Google or with Apple. You are responsible for keeping your sign-in credentials confidential and for all activity under your account. The private key is the only way to access an account created with it: if you lose it, we cannot restore your access. An external assistant that you connect can read the data you have authorised and add positions to your portfolio, without a separate confirmation when its app cannot ask for one: check these additions in Finvygo, where you can delete them.

4. Acceptable Use

You agree to use the application only for lawful purposes and in accordance with these terms. It is prohibited to use the application for any illegal or unauthorized activity.

5. Financial Data

Financial information displayed in the application is provided for informational purposes only. In the free version, prices for stocks, ETFs and cryptocurrencies are those of the last close; with Premium, they are updated during trading sessions, with a delay. Finvygo does not guarantee the accuracy, completeness or timeliness of market data and does not provide investment advice: your investment decisions remain entirely your own responsibility.

6. Liability

We provide the service with care. Finvygo does not guarantee the performance of your investments and cannot be held responsible for losses resulting from your investment decisions, even when made on the basis of the information displayed. These terms do not limit our liability for gross negligence or wilful misconduct, nor the rights that the law gives you as a consumer.

7. Modifications

We may change the service and these terms, for legal, security or operational reasons. We will tell you in advance, in the application, of any significant change, except in a legal or security emergency. A change does not apply retroactively to a purchase already made; if a change is to your disadvantage, you can cancel your subscription at no cost before it takes effect.

8. Contact

For any questions about these terms, contact us at contact@finvygo.com.

9. Premium: what you buy

Premium is added to free tracking, which remains fully available without it. It includes:

• prices for stocks, ETFs and cryptocurrencies updated during market sessions, instead of the last close, with a delay that depends on the trading venue and on our data provider, as well as on-demand refresh, within reasonable usage limits;
• the 24-hour chart of your net worth;
• price alerts, under the terms and limits described below;
• recaps of your net worth, every day, every week and every month;
• an AI assistant that answers your questions about your wealth, up to 250 questions per calendar month (UTC), trial included;
• the MCP connector, which lets an external assistant you authorise (Claude, ChatGPT or another) read your wealth and add a position to it;
• a 15-day trial, offered to every new account at sign-up, with no card and no commitment; when it ends, the account goes back to the free version without losing any of its tracking;
• for accounts that existed when Premium launched, six free months, at the end of which the account goes back to the free version, unless you buy Premium.

10. Premium: who sells it and where to buy it

Premium can be bought in three places, and the seller is not the same. These terms of sale govern purchases made on the website; for a purchase in the App Store or Google Play, payment, renewal, cancellation and refunds follow Apple's or Google's terms, while the description of Premium and its limits remain those of these terms.

• On the finvygo.com website: the seller is Exocore Group, a SAS with a share capital of €1,000, 200 rue de la Croix Nivert, 75015 Paris, France, Paris trade and companies register (RCS) no. 102 110 582, VAT FR35102110582, reachable at contact@finvygo.com. Payment is processed by our providers, RevenueCat and Stripe. Purchase on the website is not offered to accounts whose tax residence is the United Kingdom.
• In the App Store, the seller is Apple; in Google Play, the seller is Google.
• Premium is attached to your Finvygo account and appears wherever you sign in. A purchase made in the App Store or Google Play follows your Apple or Google account: if it is restored or bought again from another Finvygo account, it moves to that account, and the first account goes back to the free version. A purchase serves only one Finvygo account at a time.
• A purchase made on the website stays attached to the account that made it. If you lose access to that account, write to support with your receipt.

11. Premium: price and payment

The price is shown on the subscription screen before any purchase.

• On the website, the price shown is the price paid, all taxes included for a buyer in the European Union. Outside the European Union, local taxes may be added, and their amount is shown on the payment page before you pay. Payment is made by card, at the time of purchase, then at each renewal of the annual subscription.
• In the apps, the price is the one the App Store or Google Play displays, in the currency of your account.
• The founder offer is lifetime access at a reduced price, reserved for accounts that still have the six free months given at launch, until they end.
• The partner offer is lifetime access at a reduced price, offered on the website to the account that followed the link or entered the code of a Finvygo partner. The partner may be paid for this sale, at no extra cost to you. It cannot be combined with the founder offer.
• If you buy lifetime access during an annual subscription, the current year is not refunded pro rata. On the website, we automatically stop the subscription's renewal; in the apps, remember to cancel it yourself.
• During a trial or the six free months, a purchase takes effect immediately: the remaining days are not added.

12. Premium: term, renewal and cancellation

The term depends on the plan:

• The annual subscription lasts one year from payment and renews automatically every year until it is cancelled. We warn you before each renewal with a notification in the application.
• You can cancel it at any time: on the website, with the “Cancel” button on the “My subscription” card, on the Premium page of your account; in the apps, in the settings of your Apple or Google Play account. Cancelling stops the renewal: Premium stays active until the end of the paid period, which is not refunded, and you can reactivate the subscription until then.
• If the payment for a renewal fails, Premium stays active for a grace period, while you update your payment method. Without a fix, the account goes back to the free version.
• Lifetime access is a one-time payment, with no renewal, valid for as long as the Finvygo service is operated. Bought on the website, it is lost if you delete your account; bought in an app, it can still be restored on a new account with the same Apple or Google account.
• Deleting your account stops the renewal of a subscription bought on the website, but not that of a subscription bought in the App Store or Google Play, which is cancelled in the store settings.
• When Premium ends, for whatever reason, the account goes back to the free version: your data and your tracking are kept, your alerts are paused and resume if Premium comes back, and the recaps already received remain readable for their retention period.

13. Premium: right of withdrawal

For a purchase made on the website:

• You can withdraw from your purchase without giving any reason, until the end of the 16th calendar day after the day of purchase, Paris time. This period, longer than the 14 days provided by law, applies to the first payment of a subscription as well as to lifetime access. It does not apply to a renewal.
• To withdraw, use the “Withdraw from contract here” button on the “My subscription” card, on the Premium page of your account, then “Confirm withdrawal”. You can also send us the form below, or any unequivocal statement, at contact@finvygo.com.
• Your request is confirmed immediately, and we refund you in full, by the payment method used, no later than 14 days after the request, even if you have used Premium in the meantime. Premium stops when the refund is made.
• For a purchase in the App Store or Google Play, the refund request is made to Apple or Google, under their rules.

14. Withdrawal form

15. Premium: limits of prices, alerts, recaps and the AI assistant

Premium relies on market data and third-party services, with the following limits:

• Prices come from third-party providers and are delayed. They may be incomplete or wrong, and some venues and some assets are not covered.
• Alerts are checked once an hour during the trading venue's sessions, then shortly after the close; those for cryptocurrencies are checked every hour, day and night. A price that reaches your threshold and then moves away between two checks may not trigger the alert.
• An alert triggers only once; you re-arm it by changing its threshold. You can have up to 20 active alerts, and some assets cannot receive any, for example euro funds or precious metals.
• As a precaution, and except for cryptocurrencies, a price that moves more than 25% away from the last known close does not trigger an alert. This protects against a wrong price, but can delay a real alert.
• Alerts and recaps reach you through a notification in the application and, if you have allowed it, on your phone. Delivery to the phone depends on Apple and Google: we cannot guarantee how quickly.
• An alert or a recap is information, neither investment advice nor a recommendation to buy or sell.
• The AI assistant's answers are generated automatically by an AI model (Claude, by Anthropic) from your data. They may contain errors, are for information and are neither investment advice nor a recommendation to buy or sell.
• The AI assistant and the connector depend on third-party services and their availability is not guaranteed. A question left unanswered because of an outage is normally given back, up to ten per day.
• A question the assistant answers with a refusal or an incomplete answer counts towards the limit. Once the limit is reached, the assistant no longer answers until the start of the next month, during the trial as with Premium.

16. Complaints

If you have a problem with a purchase or with the service:

• Write to us at contact@finvygo.com.
• You have the legal guarantee of conformity of digital content and digital services: if Premium does not work as intended, you are entitled to have it brought into conformity or, failing that, to receive a proportionate reduction in the price or to terminate the contract.
• If a written complaint to us has not been resolved, you can also contact the consumer protection authorities of your country.
• French law applies, without depriving you of the mandatory consumer protection provisions of your country of residence, and you can bring proceedings before the court of your place of residence.