Terms of Service

Effective date: January 14, 2026

1. Contractual Relationship

These Terms of Service (“Terms”) govern the access or use by you, an individual, from within Canada of applications, websites, content, products, and services (the “Services”) made available by Finsynq (the “Company”).

PLEASE READ THESE TERMS CAREFULLY BEFORE ACCESSING OR USING THE SERVICES.

Your access and use of the Services constitutes your agreement to be bound by these Terms, which establishes a contractual relationship between you and Finsynq. If you do not agree to these Terms, you may not access or use the Services.

2. The Services & AI Disclaimer

Finsynq provides a digital personal finance management platform.

Fynn (AI Assistant):

The Services include an AI-driven interface named “Fynn.” Fynn provides automated insights and data synthesis. You acknowledge that Fynn is an artificial intelligence and not a human advisor.

No Professional Advice:

Finsynq does not provide professional financial, investment, legal, or tax advice. All content and AI-generated responses are for informational purposes only. You should consult with a qualified professional before making significant financial decisions.

3. User Accounts & Data Linking

Account Security:

You are responsible for all activity that occurs under your account. You agree to maintain the security and secrecy of your account username and password at all times.

Bank Linking:

By using the Services to access third-party financial accounts, you expressly authorize Finsynq and its third-party service providers (such as Plaid or Flinks) to access your financial information on your behalf.

4. Intellectual Property Rights

The Services and all rights therein are and shall remain Finsynq’s property. Neither these Terms nor your use of the Services convey or grant to you any rights: (i) in or related to the Services except for the limited license granted above; or (ii) to use or reference Company’s names, logos, product and service names, or trademarks.

5. Prohibited Conduct

You may not:

  • remove any copyright, trademark or other proprietary notices from any portion of the Services;
  • reproduce, modify, or prepare derivative works based upon the Services;
  • decompiling, reverse engineer or disassemble the Services;
  • link to, mirror or frame any portion of the Services; or
  • cause or launch any programs or scripts for the purpose of scraping, indexing, surveying, or otherwise data mining any portion of the Services.

6. Limitation of Liability & Indemnity

LIMITATION:

FINSYNQ SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR PROPERTY DAMAGE RELATED TO, IN CONNECTION WITH, OR OTHERWISE RESULTING FROM ANY USE OF THE SERVICES.

INDEMNITY:

You agree to indemnify and hold Finsynq and its officers, directors, employees, and agents harmless from any and all claims, demands, losses, liabilities, and expenses (including attorneys’ fees) arising out of or in connection with: (i) your use of the Services; or (ii) your breach or violation of any of these Terms.

7. Governing Law & Dispute Resolution

Except as otherwise set forth in these Terms, these Terms shall be exclusively governed by and construed in accordance with the laws of the Province of Alberta, Canada. Any dispute, conflict, claim, or controversy arising out of or broadly in connection with or relating to the Services or these Terms shall be first submitted to mandatory mediation proceedings and, if unsuccessful, resolved by final and binding arbitration in Calgary, Alberta.