Terms of Sale

These terms govern the sale of the Finadget Pro subscription, a paid upgrade to the Finadget budgeting application described in our Terms of Use. They apply to any consumer who subscribes to the Pro plan, wherever they are located, without prejudice to any mandatory consumer protection rights under the law of their country of residence.

The current Free and Pro plan features and limits are described on our Pricing page and directly in the application. Plan features may evolve over time; any reduction of Pro plan features already sold to existing subscribers will be notified in advance as described in section 17.

The Pro plan is priced at €2.99 per month, all taxes included, unless a different price is shown to you at checkout (for example due to your local currency or an active promotional offer). Prices are set and displayed by Paddle, our payment provider and merchant of record, who is responsible for determining, collecting and remitting any VAT or sales tax due on your purchase based on your billing location, and who issues your invoice for the subscription. We do not issue quotes; the price shown at checkout is final and binding once you complete your order.

Separately, our own intra-community VAT number (see Legal Notice §1) reflects our own tax status as a service provider and does not appear on your Pro subscription invoice — that invoice, and the VAT charged on it, is issued and managed entirely by Paddle as described above.

From time to time, we may offer promotional discount codes — for example seasonal offers, or a code shared individually with specific people. Each code's own terms (discount amount, validity period, eligibility) are set and communicated at the time it is offered, and it only applies for as long as Paddle accepts it at checkout. Offering a discount to some customers does not entitle other customers to the same discount.

You place an order by starting the Paddle checkout from within the application (Settings → Billing) or from our Pricing page, entering your payment details and confirming payment. By confirming your order, you accept these Terms of Sale and expressly request immediate activation of the Pro plan (see section 6 and section 8). A confirmation of your subscription is sent to you by email once payment is validated.

All payments are processed by Paddle, who acts as merchant of record for the transaction: Paddle is the seller of record, invoices you directly, and handles all payment methods it supports. Finadget never sees or stores your card details. Recurring monthly payments are charged automatically to the payment method on file until you cancel.

Finadget Pro is a digital service with no physical delivery. Pro features are activated on your account automatically and immediately once Paddle confirms your payment (typically within seconds). If activation is delayed or fails despite a successful payment, contact contact@finadget.com and we will resolve it promptly.

Your Pro subscription renews automatically every month at the then-current price until you cancel. You can cancel at any time from Settings → Billing (via the Paddle customer portal) or by contacting us; there is no minimum commitment and no cancellation fee. Cancelling stops future renewals but does not itself entitle you to a refund for the current billing period — your Pro features remain available until the end of the period you already paid for, after which your account reverts to the Free plan and its limits.

We may suspend or terminate your Pro subscription if a payment fails and is not resolved after a reasonable notice, or if you violate our Terms of Use.

Finadget is operated by a single person. If we are unable to keep operating the service for an extended period — including due to the operator's own serious illness or incapacity — we will make reasonable efforts, as soon as practically possible, to stop any further renewal charges from that point onward and to let you export your data before the service is discontinued (see Terms of Use §9). This does not entitle you to a refund of charges already paid for the period during which the service was available, beyond what is described in section 15.

If you are an EU or French consumer, you have a legal 14-day right of withdrawal from your Pro subscription (Article L221-18 of the French Consumer Code, implementing EU Directive 2011/83); as a matter of policy, we extend the same 14-day right to every Pro subscriber regardless of where they live. Because Pro features are activated immediately upon payment (section 6), by subscribing you expressly request immediate performance of the service and acknowledge that you lose this right of withdrawal once the service has been fully performed, i.e. once your Pro period has run its course (Article L221-28 13° of the French Consumer Code, for EU/French consumers; the same principle applies to all subscribers as a matter of policy).

This only affects your legal right of withdrawal. You can still ask us for a refund as a commercial gesture at any time — see section 15.

If you are an EU or French consumer, Pro subscriptions benefit from the legal warranty of conformity for digital services (Articles L224-25-12 et seq. of the French Consumer Code). If the Pro plan does not deliver the features described on our Pricing page, contact us at contact@finadget.com so we can bring it into conformity, free of charge, within a reasonable time. This legal warranty does not cover normal service interruptions, temporary bugs corrected within a reasonable time, or issues caused by your own equipment, internet connection or misuse of the service.

Our liability in connection with the sale of the Pro subscription is governed by the general liability limitations in Terms of Use §9, including for billing errors, service interruptions, and events beyond our reasonable control (force majeure) such as outages of Paddle or our hosting provider. Where we are found liable for a billing-related issue caused by our own fault, our liability is limited to the amount you paid for the Pro subscription over the 12 months preceding the event, except where a higher amount is required by mandatory law.

Purchasing a Pro subscription does not transfer any intellectual property right in Finadget to you. See Terms of Use §6 for the licence granted to you as a user.

Billing data (your Paddle customer reference) is processed as described in our Privacy Policy. We never see or store your card details.

We aim to resolve every billing dispute amicably and directly — see section 15 before raising a formal complaint. If you are a consumer resident in France and a dispute with us has not been resolved after a written complaint to contact@finadget.com, you are entitled to refer the matter, free of charge, to our consumer mediator, in accordance with Article L616-1 of the French Consumer Code:

• CM2C — Centre de Médiation de la Consommation de Conciliateurs de Justice
• 49 rue de Ponthieu, 75008 Paris, France
• Phone: +33 1 89 47 00 14
• Website: cm2c.net/declarer-un-litige.php
• Email: litiges@cm2c.net

If you are a consumer resident in the European Union, you can also submit your complaint through the European Commission's Online Dispute Resolution (ODR) platform at ec.europa.eu/consumers/odr.

These Terms of Sale are governed by French law, without prejudice to any mandatory consumer protection rights you have under the law of your country of residence. Any dispute that cannot be resolved amicably or through mediation will be submitted to the competent French courts, subject to any mandatory rule allowing a consumer to bring proceedings before the courts of their own place of residence.

For any billing question, complaint or refund request, contact contact@finadget.com or call +33 6 65 63 38 80. As a solo-run service, we aim to reply within a few business days and may not be able to answer calls right away, so email is the best way to reach us.

Beyond the legal right of withdrawal in section 8, we want billing disagreements resolved fairly rather than by the letter of these terms. We may, at our discretion and on a case-by-case basis, grant a full or partial refund as a commercial gesture — for example if a bug, an extended outage, or a billing error on our part affected your use of the Pro plan. There is no fixed refund window or automatic entitlement: simply write to us explaining the situation, and we will look for a fair, amicable solution before you need to consider mediation (section 13).

The order confirmation email sent to you and the transaction records kept by Paddle constitute proof of your order, its date and its content. We recommend keeping your confirmation emails for your own records.

We may update these Terms of Sale from time to time, in particular to reflect a change in pricing, plan features, or applicable law. Material changes will be notified by email or an in-app notice at least 30 days before they take effect for existing Pro subscribers; the version in force at the time of your order remains applicable to that order.