Terms

1. Introduction

These Terms & Conditions govern your use of FI Planner. By accessing or using the platform, you agree to these terms. If you do not agree, please do not use the service.

2. Nature of the Service

FI Planner is an online financial simulation tool provided for entertainment and personal educational purposes only. It is not financial, tax or legal advice. We are not certified financial professionals.

3. User Responsibilities

You use FI Planner at your own risk. You remain fully responsible for any financial decisions you make. Always consult a qualified expert before making important decisions.

4. Account & Subscription

You must provide accurate information when creating an account.
Subscriptions are billed according to the chosen plan.
When a subscription ends, access to the platform stops and your data is deleted after a short technical delay.

5. Data & Privacy

Data is stored encrypted and hosted in Germany (at our DigitalOcean provider).
We do not access, sell or share your personal information.
See our Privacy Policy for full details.

6. Acceptable Use

You agree not to misuse the platform, attempt to reverse-engineer it, or disrupt its functioning.
You may not use FI Planner for any unlawful purpose.

7. Intellectual Property

All content, code and design elements of FI Planner remain the property of their creators.
You may not copy, reuse or distribute them without written permission.

8. Liability

FI Planner is provided “as is”.
We are not liable for your financial (or other type of) losses, decisions or actions taken based on the simulations.
We disclaim all warranties to the fullest extent permitted by Swiss law.

9. Modifications

We may update these Terms & Conditions at any time.
If changes are significant, we will notify users through the platform or by email.

10. Governing Law

These Terms & Conditions are governed by Swiss law.
The place of jurisdiction is Switzerland (canton of Zurich or canton of Vaud).