Last updated: June 20, 2026. Please read these Terms carefully before using It Me Finance. By downloading, accessing, creating an account, starting a trial, purchasing a subscription, or using the app, you agree to these Terms.
1. Acceptance of Terms
These Terms & Conditions (“Terms”) apply to your use of the It Me Finance mobile application, website, related pages, features, content, tools, and services collectively referred to as “It Me Finance,” “the App,” “we,” “us,” or “our.”
By using It Me Finance, you confirm that you have read, understood, and agreed to these Terms. If you do not agree, you should not use the App.
2. About It Me Finance
It Me Finance is a personal finance planning and tracking app designed to help users organize money in a clear, simple, and realistic way. The App may include tools for budgeting, safe-to-spend estimates, income tracking, manual expenses, recurring bills, subscriptions, savings goals, credit cards, foreign currency tracking, debtors and creditors, and other personal finance features.
3. Eligibility
It Me Finance does not set a specific minimum age requirement for general use. However, you are responsible for complying with the rules that apply in your country, region, app store account, payment method, or family sharing arrangement.
If you are under the age of majority in your country or region, you should use the App only with appropriate consent or supervision from a parent or legal guardian, especially where subscriptions or payments are involved.
4. User Accounts, Entries & Data
You may be required to create an account or save information in order to use certain features. You are responsible for keeping your login details secure and for the accuracy of the information you enter into the App.
It Me Finance may rely on information you manually enter, such as account balances, income, expenses, bills, subscriptions, goals, credit cards, currencies, debtors, creditors, and repayment records. If your entries are incomplete, outdated, or incorrect, the App’s calculations, reminders, summaries, and suggestions may also be incomplete or incorrect.
5. Finance Tools, Calculations & Estimates
It Me Finance provides tools to help you understand and plan your personal finances. These tools may include calculations for safe-to-spend amounts, projected expenses, savings goals, recurring subscriptions, foreign currency equivalents, credit card balances, debtors and creditors, and other financial summaries.
All calculations are estimates based on the data available to the App. They are provided for planning and organization only and may not reflect your actual bank balance, card balance, exchange rate, interest, fees, taxes, pending transactions, or financial obligations.
6. AI Coach & Guidance
The App may include an AI Coach or similar guidance feature. The AI Coach may help explain your finances, suggest budgeting ideas, summarize goals, or provide general money guidance based on the information you provide.
The AI Coach does not provide professional financial, legal, tax, accounting, investment, credit, or debt advice. AI-generated responses may be incomplete, inaccurate, outdated, or unsuitable for your personal situation. You remain responsible for reviewing any suggestions before acting on them.
7. App Subscriptions, Bills & Foreign Currency Tracking
It Me Finance may help you track recurring bills and subscriptions, including subscriptions billed in a foreign currency. A subscription may be charged in one currency while your bank or card provider displays the converted local or base currency amount.
Currency conversions, foreign spend balances, credit card limits, and local equivalents shown in the App are for tracking and planning purposes. Your bank or card provider may apply different rates, fees, posting dates, holds, reversals, or settlement rules.
You are responsible for confirming actual charges, currency conversions, available balances, subscription renewals, and cancellation dates directly with the relevant merchant, bank, card provider, app store, or payment provider.
9. Payments, Renewals, Cancellations & Refunds
Premium subscriptions are handled through the applicable app store, payment provider, and/or subscription management service. Monthly and yearly subscriptions may renew automatically unless cancelled before the renewal date according to the rules of the relevant store or provider.
You can manage or cancel your subscription through your Apple App Store, Google Play, or applicable subscription settings. Deleting the App does not automatically cancel your subscription.
Refund requests are generally handled by the app store or payment provider that processed your payment. We do not control the refund rules, processing timelines, or final refund decision of Apple, Google, or any other payment provider.
10. Privacy, Security & Data Protection
Your use of It Me Finance is also governed by our Privacy Policy. The Privacy Policy explains how information may be collected, used, stored, protected, and shared when you use the App.
We aim to use reasonable safeguards to protect user information. However, no app, website, database, internet service, or electronic transmission can be guaranteed to be completely secure, uninterrupted, or error-free.
You should avoid entering information that you do not want stored in the App. You should also keep your device, password, email, app store account, and login credentials secure.
11. User Responsibilities
You agree that you will not use It Me Finance to:
- break any applicable law, regulation, or third-party right;
- enter false, misleading, abusive, or harmful information;
- attempt to hack, copy, reverse engineer, disrupt, overload, or interfere with the App;
- use the App to provide professional financial services to others without proper authority;
- use the App in a way that could damage, disable, or impair the service.
You are responsible for reviewing your entries, financial information, and decisions. The App is a support tool, not a replacement for your own judgment or professional advice.
12. Intellectual Property
It Me Finance, including its name, branding, design, interface, graphics, icons, features, text, software, and related content, is owned by us or licensed to us and is protected by intellectual property laws.
You may use the App for your personal, non-commercial use only. You may not copy, modify, sell, rent, distribute, reproduce, or create derivative works from the App without written permission.
13. App Availability, Updates & Changes
We may update, improve, suspend, remove, or change any part of It Me Finance at any time. Features may be added, changed, limited, or removed as the App develops.
We do not guarantee that the App will always be available, error-free, compatible with every device, or free from interruptions. Some features may require internet access, an active account, a supported device, an active subscription, or the latest app version.
14. Third-Party Services
It Me Finance may use third-party services for hosting, analytics, authentication, payments, subscriptions, AI features, customer support, crash reporting, or other app functions. Third-party services may have their own terms and privacy policies.
We are not responsible for the actions, outages, pricing, terms, data practices, or decisions of third-party providers, including app stores, payment providers, AI providers, hosting providers, banks, card issuers, or subscription merchants.
15. Disclaimers
It Me Finance is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we make no warranties that the App will meet your expectations, be uninterrupted, be error-free, or produce perfectly accurate financial calculations, reminders, insights, or AI responses.
We do not guarantee that using the App will improve your finances, prevent overspending, avoid debt, achieve a savings goal, predict exact bills, prevent missed payments, or produce any specific financial outcome.
16. Limitation of Liability
To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, savings, data, goodwill, financial opportunity, or business arising from your use of or inability to use It Me Finance.
This includes, but is not limited to, losses related to inaccurate entries, inaccurate calculations, delayed updates, missed bills, subscription renewals, exchange rate differences, AI suggestions, user decisions, device issues, or third-party services.
17. Suspension or Termination
We may suspend, restrict, or terminate access to the App if we believe you have violated these Terms, created risk for the App or other users, misused the service, or if we are required to do so by law, platform rules, or a third-party provider.
You may stop using the App at any time. Cancelling or deleting the App may not cancel any active app store subscription; you must cancel subscriptions through the relevant app store or subscription settings.
18. Changes to These Terms
We may update these Terms from time to time. When we do, we may update the “Last updated” date above and, where appropriate, provide notice in the App or through another reasonable method.
Your continued use of It Me Finance after updated Terms become effective means you accept the updated Terms.
19. Governing Law
These Terms are governed by the laws of Trinidad and Tobago, without regard to conflict of law principles, unless the laws of your country or region require otherwise.
If any part of these Terms is found to be invalid or unenforceable, the remaining parts will continue to apply to the fullest extent permitted by law.
20. Contact Us
If you have questions about these Terms, your subscription, or It Me Finance, you may contact us using the details below.