Terms of Service
Last updated: 19 September 2026
These terms govern your use of FinState, a personal net worth and household finance tracker. By creating an account, you agree to them.
1. The service
FinState lets you record, track, and (optionally) sync your financial accounts - cash, investments, property and other assets, liabilities, credit, expenses, and income - in one place, alone or shared with your household. It is a tracking tool, not a financial institution, broker, or advisor.
2. Not financial advice
Nothing in FinState - figures, reference rates, projections, payoff calculators - constitutes financial, investment, tax, or legal advice. Decisions you make based on what you see in the app are your own responsibility. Verify anything material against the actual source (your bank, broker, or exchange) before acting on it.
3. Your account
You're responsible for keeping your login credentials and any connected-platform credentials secure, and for everything that happens under your account. Enable two-factor authentication and device-level app lock under Security if you want extra protection. Tell us immediately if you suspect unauthorized access.
4. Your data
You own the financial data you enter or sync into FinState. You grant us only the license needed to store and process it in order to provide the service to you (and anyone you choose to share it with inside your household). You can export, correct, or delete it at any time; see the Privacy Policy for details.
5. Connected platforms (Luno, EasyEquities)
Connecting a third-party platform is optional and uses credentials you provide directly to that platform's own systems. We don't control their availability, accuracy, or terms, and aren't liable for outages, data errors, or account issues on their end. Use of Luno or EasyEquities themselves remains governed by their own terms.
6. Household sharing
If you use household features, you control what you share, per category, and it's only visible to someone once they've reciprocally shared the same category back. You're responsible for who you invite into your household.
7. Acceptable use
Don't use FinState for anything unlawful, try to bypass its security controls, reverse-engineer it, or abuse the platform-sync features (for example, hammering the Luno/EasyEquities sync endpoints outside normal personal use).
8. Service “as is”
FinState is provided as-is, without warranty of any kind, including accuracy of synced third-party data or uninterrupted availability. To the extent permitted by law, we aren't liable for indirect, incidental, or consequential damages arising from your use of the service.
9. Termination
You can delete your account/household at any time from within the app. We may suspend or terminate access for a genuine violation of these terms.
10. Changes to these terms
We may update these terms as the service changes. Meaningful changes will be reflected here with an updated date above.
11. Governing law
These terms are governed by the laws of the Republic of South Africa.
12. Contact
Questions about these terms: legal@open-platforms.co.za