Terms of Use

1. Terms, app and website

These Terms apply to Finance by Lio and its official marketing website. They are provided by Cecilio B. Soliven Jr. under Lio's POV, Philippines. The app's current consent screen asks for agreement to the Terms in the installed app version. Updated Terms require publication in a new release and, where appropriate, renewed acknowledgement; posting a new website copy does not silently amend what a user accepted on an older installed app.

If you do not agree with the applicable Terms, do not continue using the app. You can read the Privacy Policy separately to understand how information is handled.

2. Purpose and limitations of financial information

Finance by Lio helps users record income, expenses, wallets, obligations, budgets, Pay Cycle data and reports. It is not a bank, payment processor, lender, insurer, investment service or professional financial adviser. It does not hold or transfer your money between banks; app wallet transfers are recordkeeping entries.

You are responsible for checking entered amounts, loan terms, due dates, pawnshop ticket conditions, balances, budget warnings and exported reports against independent records before making decisions.

3. Your records and device responsibility

You control the personal finance records you enter into your device. Core records are stored locally in the reviewed Build 68; no online Finance by Lio transaction account is required. Keep your device secure and manage access to your backups and exports.

4. Backups, restores and data loss

User-initiated backup files are password-encrypted and may be saved through Android's document picker. Restore may replace current on-device data. Keep your backup password in a safe place and check that backup files remain accessible. Exported copies and files shared with third parties are outside the developer's direct control.

5. Reports, sharing and external AI services

Financial reports are generated from information recorded in the app, which may be incomplete or incorrect. Review the report preview and inclusion choices before using Android's sharing interface. JSON and PDF report exports are unencrypted and may contain financial information about you or other people.

The developer does not operate or endorse any particular external AI service, and does not guarantee advice, analysis or answers from another application. When you share a report, the recipient's independent terms and privacy practices apply. Sharing a report does not provide automatic continuous access to your finance database.

6. Reminders, budgets and estimates

Device notifications and due-date reminders can be delayed or unavailable because of permission, battery, device or operating-system settings. Budget utilization, Pay Cycle differences and reports are based on data you enter and are not a substitute for bank statements, creditor records or professional advice.

7. Free plan and future paid offerings

The reviewed Build 68 offers Free-tier functionality with Cash and Savings Account wallets plus one custom wallet, two active debts, two jewelry inventory items, two active pawned items, two free themes, unlimited transactions and available backup/restore/export functions. Limits and feature availability may be revised with appropriate notice in future releases.

Paid licensing, payment collection, activation keys, Early Access passes and Pro upgrades are NOT operational in the reviewed Build 68 or the reviewed marketing website. Any advertised future price or promotion marked Coming Soon is informational only, not an offer that can currently be purchased. Separate purchase, expiry, transfer, refund and licensing terms must be published before a paid service launches.

8. Acceptable use and intellectual property

Use the app and website lawfully. Do not attempt to compromise their security, impersonate the developer, distribute malicious builds, or misrepresent the interactive demonstration as a real financial account. You retain your rights in information you enter. Original application code, logos, designs and content remain protected as applicable, subject to open-source licenses and rights granted by law.

9. Software distribution and availability

The website and update service may be temporarily unavailable. Obtain Android APK files only from official distribution locations and review installation/security warnings. An installation may require the device's existing app signing identity to match. Keep backups before uninstalling, resetting or moving devices.

10. Liability and mandatory consumer rights

The developer works to provide useful tools but does not promise uninterrupted service, flawless calculations, precise reminders, successful restores or correct external AI output. To the extent permitted by law, liability for losses resulting from relying on unverified records or using third-party services is limited. Nothing in these Terms excludes consumer, privacy or other statutory rights or remedies that cannot legally be excluded.

11. Changes, law and contact

Material changes will be communicated through appropriate in-app or website notices, with renewed acknowledgement when required. Philippine law generally governs these Terms, subject to mandatory rights and other applicable rules.

Questions and notices: support@finance.liospov.com.

Website: interactive demo

The website demo is fictional, uses a public sample PIN and runs only to illustrate the product. It is not a real account, stored finance history or bank transaction interface. Do not enter real personal financial information. Demo actions do not update your installed Android app.

Website: downloads and third-party links

The website can link to the independent official APK update Worker and to third-party services. Downloading or following a link may result in network metadata being processed by those services. Check the applicable terms and notices of any third-party destination. Website publication alone does not start paid licensing, payment processing or license administration.