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Terms of Service

Last updated: June 19, 2026

1. Agreement to Terms

These Terms of Service ("Terms") form a binding agreement between you and Fibal ("Fibal," "we," "our," or "us") governing your access to and use of the Fibal website and application (the "Service").

By creating an account or otherwise using the Service, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not access or use the Service.

Please read Section 13 (Dispute Resolution; Binding Arbitration; Class Action Waiver) carefully — it affects your legal rights, including your right to bring a lawsuit in court and to participate in a class action.

2. Eligibility

You must be at least 13 years old to use the Service. By using the Service, you represent that you meet this requirement and that all information you provide is accurate and complete. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization to these Terms.

3. Description of the Service

Fibal is a personal finance application for tracking accounts, transactions, budgets, and spending patterns. All financial data is entered manually by you; we do not connect to your bank or financial institution. The Service is provided for personal money-management purposes only.

4. Accounts and Security

To use most features, you must create an account. You are responsible for:

  • Providing accurate registration information;
  • Keeping your password and credentials confidential and secure;
  • All activity that occurs under your account.

Notify us promptly at support@fibal.io if you suspect unauthorized use of your account. We are not liable for losses arising from your failure to safeguard your credentials.

5. Subscriptions, Plans, and Beta Access

The Service offers a free tier (with usage limits) and a premium tier (with expanded or unlimited usage). Specific limits and features may change over time. If we introduce paid subscriptions, applicable pricing, billing cycles, renewal, and cancellation terms will be presented to you at the point of purchase and incorporated into these Terms.

The Service may be offered on a beta or invite-only basis. Beta features are provided "as is," may be incomplete or unstable, and may be changed or discontinued at any time without notice.

6. Your Content

"Your Content" means the data and materials you enter into the Service, including account names, transaction details, notes, budgets, and uploaded files. You retain all ownership rights in Your Content.

You grant Fibal a limited, non-exclusive, worldwide, royalty-free license to host, store, process, and display Your Content solely as necessary to operate and provide the Service to you (including processing as described in our Privacy Policy and in Section 8). We do not use Your Content for advertising and do not sell it.

You are solely responsible for Your Content and represent that you have the right to submit it and that it does not violate any law or third-party right.

7. Acceptable Use

You agree not to:

  • Use the Service for any unlawful, fraudulent, or unauthorized purpose;
  • Upload content that is illegal, infringing, or that you do not have the right to submit;
  • Attempt to gain unauthorized access to the Service, other accounts, or our systems;
  • Probe, scan, disrupt, overload, or test the vulnerability of the Service except as expressly authorized;
  • Scrape, harvest, or use automated means to access the Service in a manner that burdens our infrastructure;
  • Reverse engineer, resell, or commercially exploit the Service without our written permission.

8. AI Assistant ("Fi")

The Service includes an optional AI assistant branded "Fi." Fi is powered by third-party AI providers and is only enabled after you review and consent to how your data is used.

When you use Fi, limited financial information — such as aggregated figures, summaries, and the amounts and dates of transactions you choose to discuss — is transmitted to our AI provider(s) to generate a response. The specific data shared, and the providers we use, are described in our Privacy Policy and in the in-app consent disclosure. You may withdraw consent at any time in Settings.

Fi uses generative AI and can produce inaccurate, incomplete, or misleading information. Fi's responses are not reviewed by a human and should not be relied upon without verification. Always independently confirm any figures, calculations, or recommendations before acting on them.

9. No Financial, Investment, Tax, or Legal Advice

Fibal is a tool for organizing and visualizing your own financial information. The Service and any output from Fi are provided for informational purposes only and do not constitute financial, investment, accounting, tax, or legal advice, and are not a substitute for advice from a qualified professional. You are solely responsible for your financial decisions. We are not a bank, broker-dealer, investment adviser, or financial institution.

10. Third-Party Services

The Service relies on third-party providers (for example, hosting, email delivery, analytics, and AI processing). Your use of the Service may be subject to those providers' terms, and we are not responsible for the acts, omissions, or content of third parties.

11. Intellectual Property

The Service, including its software, design, logos, and content (excluding Your Content), is owned by Fibal or its licensors and is protected by intellectual-property laws. We grant you a limited, revocable, non-transferable license to use the Service for your personal use in accordance with these Terms. All rights not expressly granted are reserved.

12. Disclaimers and Limitation of Liability

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY DATA OR AI OUTPUT WILL BE ACCURATE.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FIBAL AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100). SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

13. Dispute Resolution; Binding Arbitration; Class Action Waiver

Please read this section carefully. It requires most disputes to be resolved by binding individual arbitration rather than in court and waives your right to a jury trial and to participate in a class action.

Informal Resolution First

Before starting arbitration, you agree to first contact us at support@fibal.io and attempt to resolve the dispute informally for at least 30 days.

Binding Arbitration

If we cannot resolve a dispute informally, you and Fibal agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration on an individual basis, conducted by a recognized arbitration provider under its applicable rules, seated in Hanover, Virginia, USA. Judgment on the award may be entered in any court of competent jurisdiction.

Class Action Waiver

YOU AND FIBAL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

Exceptions and Small Claims

Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for intellectual property or unauthorized-access matters. This section does not apply to the extent applicable law prohibits it.

Right to Opt Out

You may opt out of this arbitration agreement by emailing support@fibal.io within 30 days of first accepting these Terms, stating your name and intent to opt out. Opting out does not affect any other part of these Terms.

14. Indemnification

You agree to indemnify and hold harmless Fibal and its operators from any claims, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Service, your violation of these Terms, or your violation of any law or third-party right.

15. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or if we discontinue the Service. Upon termination, your right to use the Service ceases. Sections that by their nature should survive (including Sections 6, 9, 11–14, and 16) will survive termination.

16. Governing Law

These Terms are governed by the laws of the Commonwealth of Virginia, USA, without regard to its conflict-of-laws principles, except to the extent federal arbitration law applies to Section 13.

17. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms on this page and revise the "Last updated" date. Material changes may be communicated through the Service. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

18. Contact Us

If you have questions about these Terms, contact us at:

support@fibal.io