Terms & Conditions

1. Description of Service

FISC is an AI-assisted personal finance application that, with the User's explicit authorization, accesses SMS services and any other user-authorized data sources solely to provide expense tracking, budgeting and related financial management features.

2. Eligibility

The Service is intended for users aged 18 years or above. Users between 13 and 18 years may use the Service only after explicit parental/legal guardian consent verified by email before activation.

3. No Professional Advice

The Service provides informational insights only and does not constitute financial, legal, tax or investment advice.

4. Permissions

The App accesses SMS services and any other applications or data sources only after the User grants explicit permission. Users may revoke permissions, although functionality may be affected.

5. Intellectual Property

All software, trademarks, algorithms, databases and content remain the property of FISC or its licensors. We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on mobile devices owned or controlled by you, solely for your personal, non-commercial use.

6. Prohibited Activities

No unlawful use, reverse engineering, fraud, abuse, security attacks or misuse of the Service.

7. Assumption of Risk, Release and Indemnity

The User uses the Service entirely at their own risk and agrees to defend, indemnify and hold harmless FISC, its founders, shareholders, directors, management, employees, affiliates, partners, licensors and service providers from claims arising from the User's use of the Service, except to the extent liability cannot legally be excluded. Users release such protected parties from claims to the fullest extent permitted by law.

8. Governing Law

These Terms are governed exclusively by the laws of India. The courts at New Delhi, India shall have exclusive jurisdiction.

9. Business Continuity

FISC may suspend, discontinue, merge, restructure or transfer the Service and related user accounts to a successor entity in a secure manner. Users consent to secure transfer of their account information for continuity of the Service in accordance with applicable law.

10. Startup Notice

FISC is an early-stage startup. Users acknowledge that temporary outages, bugs or performance issues may occur and agree to report issues responsibly. FISC reserves the right to take appropriate legal action against unlawful acts that intentionally harm its technology, intellectual property, reputation or brand, including knowingly false or malicious statements, subject to applicable law.

11. Termination

FISC may suspend or terminate accounts for breach of these Terms or legal reasons.

12. Disclaimer: Data and Parsing Accuracy

FISC extracts financial details from transaction SMS messages using heuristic patterns and local algorithms. These parsing configurations and rules are updated dynamically from our cloud servers to adapt to changing banking SMS structures. While we strive for accuracy, SMS messages can contain unstructured text, non-standard formats, or truncated details.

Verification Required: You acknowledge that transaction data, merchant classifications, and total budget balances may occasionally contain errors, duplicates, or misclassifications.

Final Responsibility: You are solely responsible for verifying the accuracy of all financial details, balances, and reports generated by the App before relying on them.

13. Contact

• Email: support@getfisc.in
• Website: getfisc.in

Our general response time is 48 hours.