1. Introduction

These terms govern the use of Fiplo – the website fiplo.app and the Fiplo mobile app – operated by Maroš Kuzemka, sole trader (Slovak Republic), company ID (IČO): 57935700, place of business: Nová Sedlica 8, 067 68 Nová Sedlica, Slovakia. Contact: support@fiplo.app.

By signing up for or using Fiplo you agree to these terms. How we handle your data is described in the Privacy policy.

2. What Fiplo is

Fiplo is a tool for tracking income and expenses, budgets, goals, an overview of assets and debts, and indicative calculations. You enter the data yourself; it doesn’t connect to your bank.

Fiplo does not provide financial, investment, tax or legal advice. Calculations, tips and articles are for information only and indicative; they rely on the data you enter and on simplified assumptions. Decisions about your finances are yours.

3. Your account

  • Fiplo is for people aged 16 and over.
  • Use a valid e-mail when signing up. Keep your password safe; you are responsible for activity in your account until you report misuse to us.
  • One account belongs to one person.
  • You can delete your account in the app at any time; your data is deleted.

4. Plans

The basic plan (Free) costs nothing and has no time limit, with the limits shown on fiplo.app (e.g. length of history, number of goals and budgets).

The paid plan Prince is a subscription for a month or a year. What it includes and its price are shown on fiplo.app and in the app before you buy; prices include VAT. The King plan is in preparation and not on sale yet.

Moving to a lower plan never deletes anything – data above the limit stays, only some features become unavailable.

4a. Buying and subscriptions

  • On fiplo.app, subscriptions are sold by Paddle.com Market Ltd. as the seller (merchant of record) – your purchase contract is with Paddle, its buyer terms apply (paddle.com/legal/checkout-buyer-terms), and Paddle issues the invoice and handles VAT. In the mobile app, subscriptions are sold by Apple (App Store) or Google (Google Play) under their terms.
  • A subscription renews automatically for the same period at the price valid at renewal until you cancel it. You can cancel at any time: on the web under Account & subscription → Manage subscription, in the app in your App Store or Google Play subscription settings. The plan then stays active until the end of the period already paid; a started period isn’t refunded unless the law or the seller’s terms say otherwise.
  • Changing the plan or period: on the web the price difference is settled right away (pro rata for the remaining days); in the stores according to their rules.
  • A price change will be announced in advance by e-mail or in the app; the new price applies only from the next period and you can cancel before the renewal.
  • Withdrawal: as a consumer you may withdraw from a distance contract within 14 days of concluding it under applicable consumer protection law (in Slovakia Act No. 108/2024 Coll.). For web purchases, use Paddle (paddle.net) or contact our support; for store purchases, follow Apple’s or Google’s process. If you asked for the service to start right away, the seller may keep a proportionate part of the price for the time you already used the plan.
  • A subscription belongs to your Fiplo account – it works on the web and in the app wherever you bought it, but it is managed where it was bought.
  • Questions and complaints about payments go to our support; payment problems (e.g. a double charge) are settled by the seller.

5. Acceptable use

You may not use Fiplo unlawfully, interfere with how it works, get around plan limits, try to access other people’s data or overload it by automated means. In case of serious or repeated breaches we may restrict or close the account after a warning.

6. Your data and our content

The data you enter in Fiplo is yours. We use it only to provide the service, as described in the Privacy policy.

Fiplo itself (the app, design, texts, mascot) is protected by copyright; you may use it as part of the service but not copy or redistribute it.

7. Availability and changes

We aim to keep Fiplo running at all times, but outages (maintenance, provider failures) can happen. The app works offline and changes are saved once you’re back online. We may improve and change features; a material reduction of paid features will be announced in advance.

8. Liability

We are liable for damage as provided by law. We are not liable for decisions you make based on calculations or tips in Fiplo, nor for the accuracy of data you enter.

These terms don’t limit any rights you have as a consumer by law.

9. Changes to these terms

We may change these terms. We’ll tell you about material changes in the app or by e-mail at least 14 days in advance; if you don’t agree, you can delete your account.

10. Disputes and governing law

Slovak law applies; as a consumer you keep the protection of the law of the country where you live.

Send complaints to support@fiplo.app. If you aren’t satisfied with how we handle them, you can turn to an alternative dispute resolution body – in Slovakia under Act No. 391/2015 Coll., e.g. the Slovak Trade Inspection (soi.sk) – or to a consumer body in your EU country.