Fyvia Terms of Service

Welcome to Fyvia! These Terms of Service ("Terms") govern your use of our financial forecasting and scenario-planning services. By accessing or using our services, you agree to be bound by these Terms.

1. Acceptance of Terms

By accessing or using Fyvia's financial forecasting services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these Terms, please do not use our services.

2. Description of Service

Fyvia provides a web-based financial forecasting and scenario-planning platform designed for micro-SaaS founders and early-stage startups. Our service includes:

• Real-time financial dashboard displaying cash flow, runway, MRR, churn, and key SaaS metrics
• Interactive scenario simulation tools for "what-if" financial planning
• Third-party integrations with Stripe, QuickBooks, Xero, Plaid, Google Sheets, and Excel
• Data import/export capabilities for CSV files, Google Sheets sync, and PDF reports
• Financial playbooks and preset strategies for testing business scenarios
• Alerts and insights highlighting financial trends and recommendations
• Secure data storage and processing of your financial information

3. User Responsibilities

• Accurate Financial Data: You are responsible for ensuring that all financial information you input, import, or connect to our platform is accurate, complete, and up-to-date.
• Data Ownership and Authorization: You must have the legal right to access and use any financial data you connect through third-party integrations (Stripe, QuickBooks, Xero, Plaid, etc.).
• Compliance: You must comply with all applicable laws and regulations when using our services, including financial reporting and data protection requirements.
• Prohibited Uses: You may not use our services for any illegal, harmful, or unauthorized purposes, including but not limited to money laundering, fraud, or tax evasion.
• Data Security: You are responsible for maintaining the security of your account credentials and ensuring that only authorized individuals access your financial data through our platform.
• Business Decisions: You acknowledge that financial forecasts and scenarios are estimates based on the data you provide and should not be the sole basis for critical business decisions without additional verification.

4. Intellectual Property

• Your Data: You retain all rights to your financial data, forecasts, and scenario simulations that you create using our platform.
• Our Platform: Fyvia retains all rights to the forecasting software, algorithms, dashboard design, and platform functionality.
• Proprietary Technology: Our forecasting algorithms, data processing methods, and user interface designs are proprietary to Fyvia and may not be copied or redistributed.
• Export Rights: You have the right to export your data and forecasts in standard formats (CSV, PDF) for your own use.

5. Privacy and Data Storage

• Secure Storage: Your financial data, forecasts, and scenario simulations are stored securely on encrypted servers with restricted access.
• Data Collection: We collect and process your financial information, including data from connected third-party services, to provide forecasting and analysis capabilities.
• Read-Only Access: All third-party integrations operate with read-only permissions. We never modify, delete, or write data back to your connected accounts.
• Data Encryption: All sensitive financial data is encrypted both in transit and at rest using industry-standard security measures.
• Usage Analytics: We may collect anonymous usage statistics to improve our services and user experience.
• Data Retention: We retain your financial data only as long as necessary to provide our services and comply with legal obligations.

6. Third-Party Integrations

• Integration Authorization: By connecting third-party services (Stripe, QuickBooks, Xero, Plaid, Google Sheets, Excel), you authorize Fyvia to access your financial data through these services for the purpose of providing forecasting and analysis.
• Read-Only Access: All integrations are configured with read-only permissions. Fyvia will never modify, delete, or write data back to your connected accounts.
• Data Synchronization: We may periodically sync data from your connected services to provide real-time insights and updated forecasts.
• Third-Party Terms: Your use of third-party integrations is also subject to the terms of service and privacy policies of those respective services.
• Revocation of Access: You can revoke access to third-party integrations at any time through your account settings or by disconnecting the integration directly.
• Service Availability: The availability and functionality of third-party integrations may be affected by changes to those services or temporary outages.
• Data Accuracy: We rely on the accuracy of data provided by third-party services and cannot guarantee the completeness or accuracy of data from external sources.

7. Service Availability

• No Guarantees: We strive to provide reliable service but cannot guarantee uninterrupted access.
• Maintenance: We may perform maintenance that temporarily affects service availability.
• Browser Compatibility: Our service is designed to work with modern web browsers.

7. Limitation of Liability

To the maximum extent permitted by law, Fyvia shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from your use of our services.

8. Disclaimers

• No Warranties: Our services are provided "as is" without warranties of any kind, express or implied.
• Financial Forecast Accuracy: Financial forecasts, scenarios, and predictions are estimates based on the data you provide and historical patterns. They are not guarantees of future performance and should not be relied upon as the sole basis for financial decisions.
• Investment Advice: Fyvia does not provide investment, tax, or financial advice. Our platform provides analytical tools and insights, but all financial decisions remain your responsibility.
• Data Accuracy: While we strive for accuracy, we cannot guarantee the accuracy, completeness, or timeliness of financial data from third-party integrations or user inputs.
• Market Conditions: Financial forecasts may not account for unexpected market conditions, economic changes, or other external factors that could significantly impact your business.
• Business Use: You are responsible for ensuring that financial forecasts and reports generated by our service meet your business, legal, and regulatory requirements.
• Third-Party Services: We are not responsible for the availability, accuracy, or functionality of third-party services or their impact on our forecasting capabilities.

9. Account Termination

• Your Right to Terminate: You may stop using our services and delete your account at any time.
• Our Right to Terminate: We may suspend or terminate access to our services for violations of these Terms or for security reasons.
• Data Export: Before terminating your account, you may export your financial data, forecasts, and reports.
• Data Retention: After account termination, we will retain your data only as long as necessary to comply with legal obligations or resolve disputes.
• Third-Party Disconnections: Terminating your Fyvia account does not automatically disconnect your third-party integrations - you must do this separately.

10. Changes to Terms

We may update these Terms of Service from time to time. Changes will be posted on this page, and the "Last Updated" date will be revised accordingly. Continued use of the service after changes indicates acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws. Any disputes arising from these Terms or your use of our services shall be resolved through appropriate legal channels.

12. Contact Information

If you have any questions about these Terms of Service, please contact us at:

Email: help.fyvia@gmail.com
Website: https://fyvia.co

Last Updated: October 2025