1. Acceptance of Terms

By creating an account or using the FinaPrism application ("the Service"), you unconditionally accept these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the Service.

These Terms constitute a legally binding contract between you ("the User") and FINAPRISM, a French simplified joint-stock company (SAS) with share capital of €1,000, registered with the Paris Trade and Companies Register under number 106 820 145, whose registered office is at 229 rue Saint-Honoré, 75001 Paris ("FinaPrism", "we", "our") — full details in the Legal Notice. These Terms may change under the conditions set out in Article 12.

You represent that you are at least 18 years old and have the legal capacity to enter into this agreement. If you are using the Service on behalf of a legal entity, you warrant that you have the authority to bind that entity.

2. Service Description

FinaPrism is a personal finance management mobile application available on iOS. The Service allows users to:

• Manually track their accounts, income, and expenses;

• Import bank statements (PDF, CSV, photos, screenshots, text or JSON files) or pasted text to automatically extract the transactions;

• Create and manage personalized budgets;

• Visualize their finances through charts and dashboards;

• Convert currencies (over 300 currencies);

• Benefit from automatic transaction categorization;

• With the Elite subscription, form a "household" of up to 6 people, each holding a FinaPrism account, and share within it the items of their choice.

Household: nothing is shared by default. The owner of each item (account, budget, savings goal, shopping list, category, tag) alone decides whether to share it; for accounts, budgets, goals and lists, the owner also chooses which members have access. A loan is visible to the members who have access to the account it is linked to, and to the whole household if it was shared under the legacy setting, which its owner can turn off. A shared account is visible with its balance and its entire history, and the members who have access can enter transactions in it. Members of the same household can see each other's name and email address, so that they can identify one another. As long as one member of the household has an Elite subscription, all of its members benefit from the Elite features; their AI credits and storage space are pooled, so that what one member uses is no longer available to the others. Leaving the household ends sharing in both directions: you no longer have access to the other members' items, and yours become private again. Everyone keeps their own; transactions entered in another member's account remain there, your tags are removed from the other members' transactions and theirs from yours, and the shared AI credit counter stays with the household.

Indicative results: some features rely on automated processing — extracting transactions from statements or receipts, categorization, subscription detection, balance forecasting, average prices and securities quotes. Their results are provided for guidance only and may contain errors, omissions or duplicates. They replace neither your bank statements nor your official documents: it is up to you to check and correct them in the app, which allows this at any time.

The Service is offered in three plans: Free, Premium and Elite, the latter two by paid subscription (Article 4). Features vary depending on the plan. Some application updates may be required to keep accessing the Service, in particular for security or compatibility reasons.

3. User Account

You must create a user account to use the Service. You agree to provide accurate, complete, and up-to-date information when creating your account.

You are fully responsible for maintaining the confidentiality of your login credentials. Any activity conducted through your account is presumed to be your own, except in the case of fraudulent use that is not attributable to you. You must notify us immediately of any unauthorized use of your account.

We reserve the right to suspend or terminate your account in case of a serious breach of these Terms, proven fraud, or any act compromising the security or integrity of the Service or its users, under the conditions set out in Article 11.

4. Premium and Elite Subscriptions

FinaPrism offers two paid subscriptions. Premium notably includes statement import, automatic categorization, custom categories, receipts attached to transactions (one per transaction), subscription tracking, balance forecasting and PDF/spreadsheet exports, with up to 10 accounts. Elite adds, among other things, securities accounts and price tracking, the household described in Article 2 and up to three receipts per transaction, with up to 30 accounts. The free plan lets you manage up to 3 accounts. Every plan, the free plan included, comes with a weekly and a monthly email recap, which you can turn off at any time; the emails we send you are described in the Privacy Policy. The detailed content of each plan is shown in the app before any purchase and on the "Plans" page of finaprism.com.

AI credits: importing documents and analyzing receipts use credits, included in the subscription at 50 per month with Premium and 125 per month with Elite. One credit corresponds to one page of a PDF document, to one photo, screenshot or CSV, text or JSON file, to each block of 2,000 characters of pasted text, or to the analysis of one receipt; attaching a receipt without analyzing it uses no credit. Credits are topped back up to the monthly allowance on the 1st of each month, unused credits do not carry over, and credits cannot be bought separately. A document the Service could not read is credited back; a document that was read but contains no transactions still counts. In a household, credits form a counter shared by its members.

Each subscription is offered with two billing periods: monthly and yearly. Prices are clearly displayed in the application and may vary by geographic region.

All subscriptions are managed exclusively through Apple's App Store. Payment is charged to your Apple account upon purchase confirmation. The subscription automatically renews unless canceled at least 24 hours before the end of the current period.

You can manage or cancel your subscription at any time in your Apple account settings (Subscriptions section), in a single operation. Cancellation stops the renewal: you keep access until the end of the current period, which is not refunded, except where you exercise your right of withdrawal or mandatory law provides otherwise.

Right of withdrawal: as Apple is the seller, the right of withdrawal you have as a consumer (Articles L221-18 et seq. of the French Consumer Code) is exercised with Apple, under the App Store terms, from the "Purchase History" section of your Apple account. Refunds are decided and made by Apple.

Renewal: the subscription is tacitly renewed for an identical period at each renewal date. You may cancel it at any time, free of charge and in a few clicks, from the Subscriptions settings of your Apple account (Article L215-1-1 of the French Consumer Code).

Free trial periods, when offered, follow the App Store eligibility rules: only one per Apple account across all FinaPrism subscriptions. At the end of the trial, the paid subscription starts automatically unless canceled at least 24 hours before it ends.

We reserve the right to modify subscription pricing. In case of modification, you will be informed in advance and will have the option to cancel your subscription before the new pricing takes effect.

End of a subscription: when a subscription ends — cancellation, expiry, or leaving a household whose subscription covered you — your data is neither deleted nor altered, subject to the file retention rule below and, when you leave a household, to the end of sharing described in Article 2. Some of it does, however, stop being accessible or editable in the app until you subscribe again: beyond the free plan's limits, excess accounts and shopping lists become read-only and excess favorite currency pairs can no longer be used (in each case, the oldest remain usable); securities accounts become read-only and their positions are no longer displayed or valued; custom categories disappear from the pickers (transaction, budget, search) — one already applied to existing data stays readable, but none can be assigned any more; no new receipt can be attached, and receipts already saved remain viewable, downloadable and deletable. All of your data remains exportable at any time from the settings. The same rules apply when moving from Elite to Premium, up to Premium's limits and features.

File retention: your attached files (receipts, item photos) are retained for as long as your account exists. Six months after a subscription ends, if your storage still exceeds the free plan's limit, only the surplus files are deleted until you are back under that limit — item photos first, then receipts, newest to oldest. You are notified by email at least one month beforehand, and resuming a subscription restores your allowance without any file being deleted. Your transactions, accounts, budgets and lists are never affected.

5. Third-Party Services

The Service integrates third-party services for certain features:

• Apple: for subscription and payment management via the App Store. Apple's terms apply. The application is licensed, not sold; absent a specific license agreement, it is governed by Apple's standard Licensed Application End User License Agreement (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/). Apple is not a party to these Terms, assumes no warranty, maintenance or support obligation for the application, and is a third-party beneficiary entitled to enforce them.

• Google (Google Ireland Limited / Google LLC): transaction categorization, extraction of transactions from the documents you import (PDF or CSV statements, photos, screenshots, text or JSON files, pasted text) and from the receipts you submit for analysis, and normalization of your shopping-list items. Depending on the feature, what is transmitted is either the descriptions of transactions or of items, or the entire content of the imported document or analyzed receipt (which may contain identifying data). Analyzing a receipt also transmits the names of your custom categories; adding a bank that is not in our bank catalog transmits the name you typed, so that its logo can be found. These processing operations may involve a transfer outside the European Union covered by appropriate safeguards (Standard Contractual Clauses and/or EU-US Data Privacy Framework). See the Privacy Policy.

Your App Store purchases are governed by Apple's terms. For the processing described above, Google acts as FinaPrism's processor: you do not have to accept any Google terms to benefit from it. If you choose to sign in with your Apple or Google account, that account's terms continue to apply. We encourage you to review the privacy policies of these services.

6. Privacy and Data Protection (GDPR)

FinaPrism is committed to protecting your personal data in accordance with the General Data Protection Regulation (GDPR — EU Regulation 2016/679) and the French Data Protection Act (loi Informatique et Libertés).

The data collected, processing purposes, legal bases, retention periods, and your rights are detailed in our Privacy Policy, which forms an integral part of these Terms.

We do not sell or monetize your personal data. No banking or financial data is used for advertising or commercial purposes.

For any questions regarding the protection of your data, you may contact us at: contact@finaprism.com.

7. Data Security

FinaPrism implements technical and organizational measures to protect your data, including:

• Communication encryption via TLS (Transport Layer Security);

• Encryption of data at rest: Halite/libsodium on the server side (symmetric-key authenticated encryption), AES-256-GCM on the device;

• Secure storage of sensitive data via iOS Keychain;

• Secure and encrypted backups;

• Passwords stored in hashed form, optional sign-in with your Apple or Google account, time-limited sessions revoked when the password is reset;

• Optional app lock using your device's biometric authentication (Face ID, Touch ID).

Despite these measures, no system is entirely invulnerable. You are also responsible for the security of your device and credentials.

8. User Obligations

By using the Service, you agree to:

• Not use the Service for illegal, fraudulent, or unauthorized purposes;

• Not attempt to access data or features you are not authorized to access;

• Not disrupt the operation of the Service, including by sending viruses or malicious code;

• Not extract, copy, or reuse a substantial portion of the Service content without authorization;

• Provide accurate information and keep it up to date;

• Only invite into your household people you genuinely intend to give access to the accounts you share, and only share the accounts you have chosen. You remain responsible for who you invite and for how much you open to them; withdrawing a share prevents any further access but does not erase what has already been seen.

Any violation of these obligations may result in the suspension or termination of your account under the conditions set out in Article 11, without prejudice to any legal action.

9. Intellectual Property

FinaPrism holds, or is licensed to use, the intellectual property rights relating to the Service, including but not limited to: source code, design, user interface, graphics, logos, trademarks, texts, and databases.

Use of the Service does not grant you any intellectual property rights over these elements. Any unauthorized reproduction, modification, distribution, or exploitation is strictly prohibited.

The data you enter into the Service (transactions, budgets, categories, etc.) remains your exclusive property. FinaPrism claims no ownership rights over your personal or financial data.

The trademarks Apple, App Store, and Google are the property of their respective owners.

Likewise, the logos and trademarks of banks, financial institutions and merchants that may be displayed in the Service remain the property of their respective owners and are used solely for identification purposes, without implying any partnership, affiliation or endorsement. Any owner may request the removal of its trademark or logo at contact@finaprism.com.

10. Limitation of Liability

Without prejudice to the legal guarantee of conformity and the mandatory provisions protecting consumers, the Service is provided "as is" and "as available". FinaPrism does not guarantee that the Service will be uninterrupted, error-free, or completely secure. FinaPrism likewise does not guarantee the accuracy or completeness of the results produced by the automated processing described in Article 2, which are provided for guidance only.

Legal guarantee of conformity: regardless of these provisions, the consumer User benefits from the legal guarantee of conformity provided for in Articles L224-25-1 et seq. of the French Consumer Code applicable to digital content and services. Accordingly, the User may obtain the Service brought into conformity, free of charge and without major inconvenience. This guarantee cannot be waived, and the limitations below apply without prejudice to it.

FinaPrism shall not be held liable:

• For financial decisions made by the User based on information provided by the Service. FinaPrism is not a financial advisor and the Service does not constitute financial advice;

• For service interruptions due to events beyond our control (force majeure);

• For indirect, incidental, or consequential damages arising from the use of the Service.

Our liability is limited, to the fullest extent permitted by applicable law, to the amount you have paid for the Service during the twelve months preceding the event giving rise to liability.

These limitations and exclusions do not apply to the consumer to the extent they would reduce the consumer's right to compensation for loss resulting from a failure by FinaPrism to meet its obligations, nor do they affect the consumer's rights under mandatory provisions and the legal guarantee of conformity. They likewise do not apply in cases of gross negligence, willful misconduct, or personal injury.

11. Termination

You may stop using the Service at any time. Deletion of your account results in the permanent deletion of your data, subject to legal retention obligations; encrypted technical copies of your files, kept for disaster recovery, are purged automatically within four months at most. Deleting your account does not end your App Store subscription, which must be canceled from your Apple account settings (Article 4).

We may suspend or terminate your account, or suspend your access to paid features, in case of a serious breach of these Terms, fraudulent use, or any act compromising the security or integrity of the Service. Except in an emergency or where required by law, the measure is preceded by a prior formal notice that has remained without effect. Where termination is initiated by FinaPrism in the absence of any fault by the User, the unused prepaid portion of the subscription is refunded; if Apple does not make this refund, FinaPrism makes it directly.

Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination (including clauses relating to intellectual property, limitation of liability, and governing law) remain in effect.

12. Changes to Terms

We may modify these Terms, in particular to reflect changes to the Service or to the regulations. Modifications take effect on the date indicated when they are published on finaprism.com, to which the application links.

For substantial modifications, we will inform you by email, at the address associated with your account, at least 15 days before they take effect.

Your continued use of the Service after modifications take effect constitutes your acceptance of the new terms. If you do not accept them, you may stop using the Service and cancel your subscription free of charge. Where a modification of these Terms or of the Service has a negative impact, other than a minor one, on your access to or use of the Service, you may also end the contract free of charge within thirty days of being informed of it or, if later, of the modification itself; the unused prepaid portion of the subscription is then refunded under the conditions of Article 11.

13. Governing Law

These Terms are governed by French law. Any dispute shall be brought before the competent French courts; however, if you are a consumer residing outside France, this clause applies without prejudice to the mandatory protective provisions of the law of your country of habitual residence, or to your right, where it exists, to bring proceedings before the courts of that country.

In accordance with the French Consumer Code provisions on consumer dispute mediation (Articles L611-1 et seq.), after first contacting us with a written complaint at contact@finaprism.com and failing a satisfactory response, you may refer the matter free of charge to our designated consumer mediator: CM2C, 49 rue de Ponthieu, 75008 Paris, France — Tel: +33 1 89 47 00 14 — Website: https://www.cm2c.net/declarer-un-litige.php — Email: litiges@cm2c.net.

If any provision of these Terms is declared void or unenforceable, the remaining provisions shall remain in full force and effect.

FinaPrism's failure to act on a breach of these Terms does not constitute a waiver of its right to act on it subsequently.

These Terms, together with the Privacy Policy and, for the license to use the application, Apple's license agreement referred to in Article 5, constitute the entire agreement between you and FinaPrism regarding the Service and supersede all prior agreements.

14. Contact

For any questions regarding these Terms of Use, you may contact us:

• By email: contact@finaprism.com

• By postal mail: FINAPRISM, 229 rue Saint-Honoré, 75001 Paris, France.

We strive to respond to all inquiries within 48 business hours.