rizecraft
( Legal · FiNest )

Terms of Use

Last updated 10 September 2026 Applies to the FiNest mobile application

These Terms of Use (“Terms”) are a binding agreement between you and RizeCraft Technologies Pvt Ltd (“RizeCraft”, “we”, “us”, or “our”), the developer of the FiNest mobile application (“the App”). By downloading, installing, paying for, or using the App, you agree to these Terms. If you do not agree, do not download or use the App.

These Terms govern your right to use the App. They are separate from, and should be read together with, our Privacy Policy, which explains how the App handles information you store on your device. Because the App stores all of your data locally and does not transmit it to us, the Privacy Policy and these Terms address different subjects: the Privacy Policy covers data handling; these Terms cover your licence to use the App, payment, and liability.

1. What FiNest is

FiNest is a personal, offline vault that lets you store information you choose to enter such as payment card details, bank account information, and other secrets or documents locally on your own device, for your personal reference only.

FiNest is a storage and organisation tool. It is not a financial institution, payment processor, card issuer, wallet, or bank, and it does not initiate, process, or facilitate any payment or financial transaction on your behalf.

2. Eligibility

You must be at least 18 years old, or the age of legal majority in your jurisdiction, to download or use the App. By using the App, you confirm that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. Free and paid licence; billing

The App is offered on a freemium basis through the app store from which you obtained it (the Google Play Store, the Apple App Store, or, where applicable, another app store). You may download and use the App free of charge, which includes a limited number of free entries you may store in each section of the App (currently 2 banks, 2 cards, 3 secrets and 3 documents). Once you reach the limit for a section, storing further entries in it requires upgrading to the full version of the App, available for a one-time fee through the same app store. Whether you are using the free or paid version, you are granted a limited, non-exclusive, non-transferable, revocable licence to install and use the App on devices you own or control, solely for your personal, non-commercial use.

  • If you upgrade to the paid version, that payment is collected and processed by the app store through which you purchased the App, using the app store’s own payment methods and account. We do not receive, see, or store your card or payment details for that purchase.
  • Pricing, currency, applicable taxes, refunds, and billing disputes for any upgrade purchase are governed by the app store’s own terms of service and refund policies (for example, Google Play’s or Apple’s terms), not by us. Please direct purchase, billing, or refund queries to the app store first.
  • We may, at our discretion, change the price of the paid upgrade, or the number of free entries available in the free version, for future users, but this will not affect a licence or free-entry allowance you already have.

4. Your account and your data

FiNest does not require you to create an account with us, and we do not collect, transmit, sell, or share the information you store in the App. Everything you enter — card numbers, bank details, secrets, and documents — stays on your device, as described in our Privacy Policy.

Because we never receive or have access to this information, you are solely responsible for:

  • the accuracy of the information you enter into the App;
  • keeping your device, its passcode, and its biometric authentication secure;
  • maintaining your own backups, since uninstalling the App, resetting your device, or losing your device may result in permanent loss of the data stored in the App; and
  • any consequences of sharing, exporting, or losing control of your device or the information stored on it.

We cannot recover, restore, or access your data under any circumstances, because it is never transmitted to us or stored on any server we control.

5. Backup and Restore

The App includes an optional Backup and Restore feature in Settings. If you choose to use it, the App will compile the information stored in the App on your device, encrypt it using a passphrase you create, and export it as a backup file. You may later use that file, together with the same passphrase, to restore your data on another device.

We never receive, see, or store your backup file or your passphrase; both remain solely in your possession and under your control.

Because your backup file is encrypted using a passphrase only you know, we cannot decrypt, recover, or restore a backup file for you under any circumstances, including if you forget or lose your passphrase. If you lose your passphrase, the information in that backup file will be permanently inaccessible, even to us.

You are solely responsible for:

  • creating a passphrase and keeping it secure and memorable;
  • the security of the backup file once exported, including how and where you store, transmit, or share it (for example, cloud storage, email, or a USB drive); and
  • verifying that a backup file is complete and usable before relying on it, including before uninstalling the App or resetting your device.

This Backup and Restore feature does not change how the App otherwise handles your data as described in Section 4 and our Privacy Policy: the App itself does not transmit any of your information to us or to any third party.

6. Acceptable use

You agree not to:

  • reverse engineer, decompile, or disassemble the App, except to the extent such restriction is prohibited by applicable law;
  • use the App for any unlawful purpose, including storing information related to fraudulent or stolen financial instruments;
  • modify, copy, distribute, sell, lease, or create derivative works based on the App without our prior written consent;
  • store information belonging to, or relating to, any third party without that person's consent; or
  • circumvent or interfere with any security feature of the App.

7. Intellectual property

The App, including its design, source code, graphics, logos, and the “FiNest” name and mark, is owned by RizeCraft Technologies Pvt Ltd and is protected by applicable intellectual property laws. Other than the limited licence granted in Section 3, these Terms do not transfer any ownership rights to you.

Third-party trademarks and logos. The App may display logos, names, and marks of banks, financial institutions, payment networks (such as Visa, Mastercard, RuPay, and others), and card issuers solely to help you identify and organise the financial instruments you choose to store. All such logos, names, and marks are the exclusive intellectual property of their respective owners. Their display within the App does not imply any affiliation, endorsement, authorisation, or sponsorship by those owners. FiNest makes no claim of ownership over any third-party mark, and nothing in these Terms grants you any right to use those marks beyond the incidental display within the App.

8. No warranty

The App is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or compatible with every device, or that any device-level encryption or biometric security feature relied upon by the App will be free from defects or circumvention.

9. Limitation of liability

To the fullest extent permitted by applicable law, RizeCraft Technologies Pvt Ltd shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of data, arising out of or relating to your use of, or inability to use, the App — including loss of data stored in the App due to device loss, theft, damage, factory reset, uninstallation, or operating system failure.

To the extent any liability cannot be excluded under applicable law, our total aggregate liability arising out of or relating to these Terms or the App shall not exceed the amount you actually paid to purchase the App.

Nothing in these Terms limits or excludes our liability for fraud, wilful misconduct, or gross negligence, or any other liability that cannot be limited or excluded as a matter of applicable law.

10. Indemnity

You agree to indemnify and hold harmless RizeCraft Technologies Pvt Ltd, its officers, employees, and agents from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising from your misuse of the App, your violation of these Terms or applicable law, or any third-party claim relating to information you have chosen to store in the App.

11. Termination

Your licence to use the App continues until terminated. You may terminate it at any time by uninstalling the App. We may suspend or terminate your licence if you materially breach these Terms, without affecting any refund terms applicable under the app store’s own policies. Sections 4, 5, 7, 8, 9, 10, 12, and 14 survive termination.

12. Governing law and disputes

These Terms are governed by the laws of India, without regard to conflict of laws principles. The courts at Bengaluru, Karnataka shall have exclusive jurisdiction over any dispute arising out of or relating to these Terms or the App.

13. Changes to these Terms

We may update these Terms from time to time, for example to reflect changes in app store policies or applicable law. We will update the “Last updated” date above and, where the change is material, notify you through the App or store listing. Continued use of the App after an update constitutes acceptance of the revised Terms.

14. General

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and RizeCraft regarding the App and supersede all prior or contemporaneous understandings, whether written or oral, on that subject.

Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

Assignment. You may not assign or transfer these Terms or your licence to use the App. We may assign or transfer these Terms, in whole or in part, including in connection with a merger, acquisition, or sale of assets, without your consent.

15. Contact us

If you have any questions about these Terms, contact:

RIZECRAFT TECHNOLOGIES PVT LTD
Email: maya@rizecraft.com

This should be read together with our Privacy Policy. Back to the FiNest product page.