Terms of Service

The service

OwnFi is a personal finance application that runs on your device. It helps you import, organize, and analyze your own financial information. OwnFi is provided free of charge, without ad networks or in-app purchases. It may show clearly labelled partner offers; see “Partner offers” below.

License

We grant you a personal, non-exclusive, non-transferable, revocable license to use OwnFi on devices you own or control, subject to these terms and the rules of the app store from which you downloaded it. You may not reverse engineer, resell, or redistribute the app except where the law permits it.

Local accounts and your responsibility

OwnFi accounts exist only on your device — there is no server-side account and no way for us to recover your password or data. You are responsible for remembering your password, safeguarding your device, and creating and storing encrypted backups. If you lose your device or delete the app without a backup, your data cannot be restored by us.

Not financial advice

All insights, projections, calculators, ratings, and AI advisor responses in OwnFi are educational and informational only. They are not financial, investment, tax, legal, or accounting advice, and they may contain errors. Always consult a qualified professional before making financial decisions.

This applies in particular to the figures OwnFi derives from your own data. The Investment Score is the app’s own heuristic description of the holdings you entered; it is not a recommendation to buy, sell, or hold anything, and OwnFi does not sell financial products. Card & Debt Health is the app’s own 0–100 description of the card and debt information you entered; it is not a credit score, is not issued or endorsed by any credit bureau, and has no bearing on any decision a lender makes. Net worth and wealth forecasts are arithmetic on the figures you have supplied, and are only ever as complete and as current as those figures.

Partner offers

The app and website may show approved partner offers. These are affiliate links: if you open one and sign up, OwnFi may receive a commission. Offers are selected only by the country you choose, never from financial data, and are not a recommendation or advice. Your browser and the partner receive ordinary web-request information. The partner's terms and privacy policy apply after you leave OwnFi, and OwnFi is not a party to your agreement. Partner offers can be switched off in the app.

Accuracy of imported data

OwnFi parses statements, receipts, screenshots, notifications, and broker holdings and activity files on a best-effort basis. Parsing can be imperfect, and automatically extracted amounts, dates, merchants, quantities, and prices may be wrong. Market prices and exchange rates are fetched from public third-party services, may be delayed, and may be unavailable. You are responsible for reviewing imported transactions and holdings before relying on them. OwnFi is not a system of record for your finances — the records held by your bank and your broker remain authoritative.

Third-party services

Optional features fetch publicly available data from third parties: currency exchange rates, market prices for ticker symbols you add, and AI model files you choose to download. These services are provided by their respective operators under their own terms, may change or become unavailable at any time, and their data is provided without warranty of accuracy.

Acceptable use

You agree to use OwnFi only for lawful purposes and only to manage financial information you are entitled to access. You may not use the app to infringe the rights of others or to attempt to disrupt the app or the third-party services it accesses.

Disclaimer of warranty and limitation of liability

OwnFi is provided "as is" and "as available", without warranties of any kind, express or implied. To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or exemplary damages, or for any loss of data, savings, or profits, arising from your use of (or inability to use) the app — including losses caused by parsing errors, lost passwords, or lost backups.

Termination

You can stop using OwnFi at any time by deleting your local account from Settings and removing the app. We may discontinue the app or these terms' offering at any time; because your data lives on your device, discontinuation does not delete your local data.

Changes to these terms

We may update these terms from time to time. The current version will always be posted on this page with a new "Last updated" date. Continuing to use the app after changes take effect means you accept the updated terms.