Terms of Service

Safi. Last updated 4 August 2026.

These terms are the agreement between you and [LEGAL ENTITY NAME] ("we", "us") for the Safi app. By using Safi you accept them. If you do not accept them, do not use the app.

1. What Safi is

Safi is a tool for recording and understanding your own money. You enter your accounts and transactions, or let the app read them from bank alerts you choose to share, and it organises and summarises them.

Safi is not a bank, is not regulated as a financial institution, and does not provide financial, investment, tax or legal advice. Nothing in the app, including anything produced by the AI assistant, is advice. Decisions about your money are yours.

2. Your account

You need an account to use Safi. Keep your sign-in details secure, give us accurate information, and do not share your account. You must be at least 13 years old, or the minimum age required in your country, whichever is higher. You are responsible for activity under your account.

3. Your data belongs to you

You keep ownership of everything you put into Safi. You grant us only the permission needed to operate the service for you: to store your data, sync it to your devices, and process it to produce the features you use. We do not sell it. See the Privacy Policy for detail. You can export your transactions to CSV, and delete your account and its data, from inside the app at any time.

4. Free plan and Pro

Safi has a free plan with limits on how many accounts, budgets, goals, recurring payments, imports and AI questions you can use. Pro raises or removes those limits and unlocks additional features. The limits in force are always shown in the app on the upgrade screen.

We may change the limits of the free plan. If a change would reduce what you already rely on, we will tell you before it takes effect. Data you have already created always remains readable and exportable to you, even if you return to the free plan.

5. Subscriptions, trials and refunds

Subscriptions are sold and billed by Apple or Google, not by us. Your purchase is also governed by their terms.
If a free trial is offered, its exact length and the price that follows are shown to you before you confirm. Unless you cancel before the trial ends, it converts to a paid subscription automatically.
Subscriptions renew automatically at the then-current price until you cancel. Cancel any time in your app store account settings. Access continues to the end of the period you have paid for.
A lifetime purchase, where offered, is a one-time payment granting access for as long as we operate the service. It is not a promise of perpetual operation. See section 8.
Refunds are handled by Apple or Google under their policies. We cannot issue store refunds directly, but tell us if something has gone wrong and we will help where we can.

6. Bank message sync

This is optional and off until you enable it. You are responsible for deciding which messages or notifications to share with Safi, and for having the right to do so. Parsing is automated and imperfect: a message may be read incorrectly, or missed entirely. Always check imported transactions against your bank's own records. Safi's figures are not a substitute for your bank statement.

7. Acceptable use

You agree not to:

break the law with the service, including laundering money or funding anything illegal
attempt to access another user's data, or probe, scan or overload our systems
reverse engineer, resell or redistribute the app
use automation to abuse free-plan limits, trials or promotional offers

We may suspend or close an account that breaches these terms.

8. Availability and changes

We aim to keep Safi running but do not guarantee uninterrupted service. Features may change, and we may discontinue the service. If we discontinue it, we will give you reasonable notice and a window to export your data, and we will refund any unused portion of a prepaid subscription where the law requires it.

9. Liability

The service is provided "as is". To the fullest extent the law allows, we are not liable for indirect or consequential loss, or for financial decisions you make using the app. Nothing here excludes liability that cannot lawfully be excluded, including for death, personal injury or fraud. Where liability cannot be excluded, it is limited to the amount you paid us in the twelve months before the claim.

10. Governing law

These terms are governed by the laws of [JURISDICTION], and disputes will be heard in its courts. If you are a consumer, this does not remove protections you have under the law of your own country.

11. Changes to these terms

We will notify you in the app of material changes before they take effect. Continuing to use Safi afterwards means you accept the updated terms.

12. Contact

[SUPPORT EMAIL]