Terms of ServiceLast updated: March 2023

The Gist

Goveni SRL (“Financica”) operates the Financica service located at https://financica.app (the “Website”) which we hope You (the “Customer”, “You”, or “Your”) use. If You use it, please use it responsibly. If You don’t, we’ll have to terminate Your account.

For paid accounts, you’ll be charged on a recurring monthly or yearly basis. You can cancel anytime, but refunds are on a discretionary basis only.

You own the business data that you provide to Financica and You’re responsible for keeping it safe.

The Terms of Service (the “Terms”), the Financica Service (as defined herein), and our prices can change at any time. We’ll warn you 30 days in advance of any price changes. We’ll try to warn you about major changes to the Terms or Financica, but we make no guarantees.

That’s the basic idea, but you must read through the entire document and agree with all the details before you use any of our sites (whether or not You have created an account).

Your Agreement with Us

Your use of the Service is governed by these Terms. The “Service” means the services we make available include the Website and all of its subdomains, our API, and any other software, sites, and services offered by Financica in connection to any of those.

In order to use the Service, You must first agree to the Terms. You understand and agree that we will treat Your use of the Service as acceptance of the Terms from that point onwards.

We may make changes to the Terms from time to time. You may reject the changes by terminating Your account. You understand and agree that if You use the Service after the date on which the Terms have changed, we will treat Your use as acceptance of the updated Terms.

Service Policies and Privacy

The Service shall be subject to the Privacy Policy for the Service, which are hereby expressly incorporated into the Terms of Service by reference. You agree to the use of Your data in accordance with the Privacy Policy.

Your Account

  • You may not use the Service if You are a minor, or a person barred from receiving the Service under the laws of Belgium or other countries, including the country in which You are resident or from which You use the Service.
  • You must be a human. Accounts created by automated methods are not permitted.

Use of the Service

  • You must provide accurate and complete registration information any time You register to use the Service.
  • You are responsible for the security of Your passwords and for any use of Your account.
  • Your use of the Service must comply with all applicable laws, regulations, and ordinances.
  • You agree to not engage in any activity that interferes with or disrupts the Service.
  • We reserve the right to enforce quotas and usage limits (to any resources, including the API) at our sole discretion, with or without notice, which may result in disabling or throttling Your usage of the Service for any amount of time.
  • You may not access the Service in a manner intended to avoid incurring fees.

Modification of the Service

You acknowledge and agree that the Service may change from time to time without prior notice to You, including changes to changes to fees and payment policies, security patches, added or removed functionality, and other enhancements or restrictions. We shall not be liable to you or to any third party for any modification, price change, suspension or discontinuance of the Service.

License and Restrictions

All of the content available on or through the Service, including without limitation, text, photographs, graphics, logos, trade/service marks, and/or audiovisual content, is owned and/or controlled by Financica, or other licensors or Service users and is protected, as applicable, by copyright, trademark, trade dress, patent, and trade secret laws, other proprietary rights, and international treaties. You acknowledge that the Service and any underlying technology or software used in connection with the Service contain our proprietary information.

You may not: (a) copy, modify, create a derivative work of, reverse engineer, decompile or otherwise attempt to extract the source code of the Service or any part thereof, unless this is expressly permitted or required by law, or unless You have been specifically told that You may do so, in writing (e.g., through an open source software license); or (b) attempt to disable or circumvent any security mechanisms used by the Service.

Subject to and conditioned upon Your compliance with these Terms, we grant to you a personal, worldwide, royalty-free, non-assignable and non-exclusive license to use the software provided as part of the Service, for the sole purpose of enabling You to use the Service, in the manner permitted by the Terms.

Open source software licenses for components of the Service released under an open source license constitute separate written agreements. To the limited extent that the open source software licenses expressly supersede these Terms, the open source licenses govern Your agreement with us for the use of the components of the Service released under an open source license.

You may not use the Service in any manner that could damage, disable, overburden or impair our servers or networks, or interfere with any other users’ use or enjoyment of the Service.

You agree that You shall not:

  • attempt to defeat any security or verification measure or otherwise gain unauthorized access to any of the Service, member accounts, or computer systems or networks, through hacking, password mining or any other means;
  • use the Service for commercial purposes not permitted under these Terms;
  • create user accounts by automated means or under false or fraudulent pretenses; or
  • impersonate or attempt to impersonate Financica or any of its employees, contractors or associates, or any other person or entity.

Disclaimer of Warranties

If you access the Service, you do so at your own risk. We provide the Service “as is”, “with all faults” and “as available.” We make no express or implied warranties or guarantees about the Service. To the maximum extent permitted by law, we hereby disclaim all such warranties, including all statutory warranties, with respect to the Service, including without limitation any warranties that the Service is merchantable, of satisfactory quality, accurate, fit for a particular purpose or need, or non-infringing. We do not guarantee that the results that may be obtained from the use of the Service will be effective, reliable or accurate or will meet your requirements. We do not guarantee that you will be able to access or use the Service (either directly or through third-party networks) at times or locations of your choosing. We are not responsible for the accuracy, reliability, timeliness or completeness of information provided by any other users of the Service or any other data or information provided or received through the Service. Except as expressly set forth herein, we make no warranties about the information systems, software and functions made accessible by or through the Service or any security associated with the transmission of sensitive information. We do not warrant that the Service will operate error-free, that errors in the Service will be fixed, that loss of data will not occur, or that the Service or software are free of computer viruses, contaminants or other harmful items. Under no circumstances will Financica, any of our affiliates, distributors, partners, licensors, and/or any of our or their directors, officers, employees, consultants, agents, or other representatives be liable for any loss or damage caused by your reliance on information obtained through the Service.

Limitations on Liability

Your sole and exclusive remedy for any dispute with us is the cancellation of your registration. In no event shall our total cumulative liability to you for any and all claims relating to or arising out of your use of the Service, regardless of the form of action, exceed the greater of: (a) the total amount of fees, if any, that you paid to utilize the Service or (b) one hundred euros (€100 EUR), within the limits permitted by Belgian law. In no event shall we be liable to you (or to any third party claiming under or through you) for any direct, indirect, special, incidental, consequential, punitive or exemplary damages or any bodily injury, emotional distress, death or any other damages arising from your use of or inability to use the Service, whether on-line or off-line, or otherwise in connection with the Service. These exclusions apply to any claims for lost profits, lost data, loss of goodwill or business reputation, cost of procurement of substitute goods or services, work stoppage, computer failure or malfunction, any other commercial damages or losses, or any personal injury or property damages, even if we knew or should have known of the possibility of such damages.


You agree to hold harmless and indemnify Financica and its subsidiaries, affiliates, officers, agents, employees, advertisers, licensors, suppliers or partners from and against any third party claim arising from or in any way related to (a) Your breach of the Terms, (b) Your use of the Service, or (c) Your violation of applicable laws, rules or regulations in connection with the Service, including any liability or expense arising from all claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys’ fees, of every kind and nature. In such a case, we will provide You with written notice of such claim, suit or action.

Choice of Law and Dispute Resolution

The Terms of Service shall be deemed to have been entered into and shall be construed and enforced in accordance with the laws of the Kingdom of Belgium.

How to Contact Us

You may contact us exclusively by email: