Terms of use

These terms are between you and [operator's legal name] (“Faldo”). By using Faldo you agree to them. [Minimum age and who may use Faldo.]

What Faldo is

Faldo helps you record your money and see what's safe to spend, what's coming up and how a purchase would affect your plans. It works only with what you record or import. It isn't a bank or e-wallet, doesn't hold or move money, and doesn't connect to your accounts.

Not financial advice

Faldo is not a licensed financial adviser. Its figures, forecasts, “Can I afford it?” checks and suggestions are estimates from your records and general information, for your own planning. They can be wrong or out of date, especially if your records are incomplete. For investments, loans, insurance, taxes or other important decisions, talk to a qualified professional. Decisions are yours.

AI answers

Faldo's calculations come from its own rules. When you allow an outside AI service, it writes answers and reads receipts; it can misread or misstate things. Faldo checks the amounts in AI answers against its own numbers, but check anything important before relying on it. See the Privacy notice for what is sent.

Your account

• Keep your sign-in details to yourself and tell us at [contact email] if you think someone else used your account.
• Use Faldo only for your own money records and in line with the law. Don't try to access other people's data, overload the service or get around its limits.
• You're responsible for the accuracy of what you record.

Your data

Your records are yours. You can download them or delete your account at any time from Settings, Your data. How Faldo handles your data is described in the Privacy notice.

Availability and changes

Faldo is provided as it is and may change, pause or have outages; daily limits apply to AI features. [Notice period for material changes or ending the service.]

Liability

[Limitation of liability, governing law (for example, the laws of the Philippines) and dispute resolution, to be written with a qualified professional.]

Contact

[Contact email and address.]