Terms of Service

These terms are a binding agreement between you and 403 Finance, Inc., a Delaware corporation, doing business as Forbidden Finance and 403 Finance (collectively, "Forbidden Finance," "403 Finance," "we," "us," or "our"). By creating an account, subscribing to a paid plan, or otherwise using the Service, you agree to be bound by this Agreement. If you do not agree, you must not access or use the Service.

1. Definitions

(a) "403 Finance," "Forbidden Finance," "we," "us," and "our" mean 403 Finance, Inc., a Delaware corporation, doing business as Forbidden Finance and 403 Finance.

(b) "User," "you," and "your" mean any individual at least sixteen (16) years of age who creates an account or otherwise accesses or uses the Service.

(c) "Service" means the Forbidden Finance personal-finance application, accessible through iOS, Android, and the web at 403fin.io (and successor domains), together with all related features, content, and documentation.

(d) "Shared Partner" means a person to whom you have granted view-and-edit access to some or all of your financial data through the Service's data-sharing features, as described in Section 7.

(e) "Shared Viewer" means a person to whom you have granted read-only access to some or all of your financial data through the Service's data-sharing features, as described in Section 7.

(f) "Agreement" or "Terms" means this Terms of Service Agreement together with the Privacy Policy and any other policies referenced herein.

(g) "Fees" means the subscription fees payable under Section 5.

2. Description of Service

Forbidden Finance is a subscription-based personal finance application available on iOS, Android, and the web. The Service helps consumers to:

(a) Connect bank accounts to automatically import transactions and balances;

(b) Track and manage budgets using multiple budgeting methodologies;

(c) Monitor net worth by aggregating bank balances, investments, real estate, cryptocurrency, and debts;

(d) Track investment portfolios including stocks, ETFs, bonds, and cryptocurrency;

(e) Use financial planning tools including debt payoff calculators and FIRE (Financial Independence, Retire Early) projections;

(f) Share financial data with a partner or household members (requires mutual consent);

(g) Export financial data in CSV and JSON formats.

The Service does not initiate, process, or facilitate any financial transactions or fund transfers. It is strictly a read-only data-aggregation and visualization tool. Please refer to our Privacy Policy for further detail on how your data is processed.

3. License to Use

(a) Grant. Forbidden Finance grants you a limited, non-exclusive, non-transferable, revocable license to use the Service solely for personal, non-commercial use in accordance with this Agreement. All rights in the Service not expressly granted in this section are reserved to Forbidden Finance.

(b) Restrictions. You shall not edit, alter, abridge, or otherwise change the content of the Service, including all copyright and proprietary rights notices. You may not, and may not permit others to: reverse engineer, decompile, decode, decrypt, disassemble, or in any way derive source code from the Service. You may not use the Service for any purpose other than its intended use.

4. User Accounts

(a) Accurate information. When you create an account, you must provide accurate, complete, and current information at all times. Failure to do so constitutes a breach of these Terms and may result in immediate termination of your account.

(b) Age requirement. You must be at least sixteen (16) years of age to create an account or use the Service. By creating an account, you represent that you meet this age requirement. We collect and retain your birth month and birth year for the limited purpose of verifying this representation.

(c) Geographic availability. The Service is currently offered only to residents of the United States and Canada. By creating an account, you represent that you are a resident of the United States or Canada. We may introduce service in additional regions over time and will update these Terms when we do.

(d) Third-party sign-in providers. Sign-in via Apple, Google, or Microsoft is offered for convenience. When you choose to authenticate with one of these providers, your interaction with that provider is governed by their own terms and privacy policy. Forbidden Finance does not control those providers and is not responsible for their availability, accuracy, or practices.

(e) Credential safeguarding. You are responsible for safeguarding the credentials used to access the Service — including your password (if used), passkeys, multi-factor authentication codes, and any hardware-based authentication factors — and for any activities or actions under those credentials, whether the credentials are for the Service or a third-party identity provider. You agree not to disclose your credentials to any third party. You must notify Forbidden Finance without undue delay upon becoming aware of any breach of security or unauthorized use of your account.

(f) Username. You may not use as a username the name of another person or entity, a name or trademark that is subject to any rights of another person or entity without appropriate authorization, or a name that is otherwise offensive, vulgar, or obscene.

5. Subscription Plans and Billing

(a) Plans. Forbidden Finance offers tiered subscription plans (Free, Starter, Pro, and Premium). The features, limits, and current pricing applicable to each plan are presented to you inside the application at the time of subscription. By subscribing to a paid plan, you authorize Forbidden Finance — or the applicable platform (Stripe, the App Store, or Google Play) — to charge the disclosed price on a recurring basis until you cancel.

(b) No free trials; 30-day money-back guarantee. Forbidden Finance does not offer free trials. Instead, we provide a 30-day money-back guarantee in which you pay upfront and may request a full refund of your first subscription payment within thirty (30) days of that payment. For subscriptions managed through Stripe, the refund request is processed automatically inside the application. For subscriptions managed through the App Store or Google Play, refunds are handled by the applicable platform under its own refund policy.

(c) Subscription processing. Forbidden Finance subscriptions are processed through Stripe for web users. In-app purchase support for iOS and Android is being introduced separately and will be available shortly after launch. When in-app purchase becomes available, iOS subscriptions will be managed through the App Store and Android subscriptions will be managed through Google Play; pricing on those platforms may differ from web pricing due to platform fees, and refund, billing, and cancellation will be handled by the applicable platform's policies. You will be informed at the point of subscription which platform manages your plan.

(d) Changes to your plan. Upgrades you request take effect immediately with prorated billing. Downgrades you request take effect at the end of your current billing period; you retain your current tier features until that period expires.

(e) Failure to pay. Failure to make timely payment for any reason — including a financial institution's refusal to honor a payment request — triggers a fourteen (14) day grace period with automatic retry attempts. If payment is not successful by the end of the grace period, your account will revert to the Free tier until you re-subscribe.

(f) Price changes. Forbidden Finance reserves the right to change subscription prices with thirty (30) days' advance notice to you, delivered by email to the address associated with your account. The new price applies at your next renewal after the notice period.

(g) Automatic renewal. Subscriptions auto-renew on a monthly basis until you cancel, except where prohibited by law. The current renewal rate is disclosed inside the application at each renewal. You may cancel at any time from the application's subscription settings, which redirect (for App Store and Google Play subscriptions) to the applicable platform's cancellation flow.

6. Intellectual Property and Ownership of Your Data

(a) Service ownership. The Service is protected by the copyright laws of the United States, international laws, treaties, conventions, and other applicable laws. Forbidden Finance retains all right, title, and interest in the Service, including all intellectual property rights. Intellectual property includes rights to use trademarks, service marks, logos, and other unique brand features of the Service.

(b) Your data. You retain all right, title, and interest in your data. You grant Forbidden Finance a limited license to process your data solely as necessary to provide the Service to you, including the operations of import, storage, computation, display, export, and (with your separate consent inside the application) sharing with persons you authorize. Where we de-identify or pseudonymize your data for the purpose of producing aggregate, statistical, or system-health information, we do so to the extent technically feasible and using pseudonymization techniques designed to reduce — but which cannot eliminate — the possibility of re-identification.

7. Data Sharing With Other People

The Service allows you to share some or all of your financial data with other people. We support two sharing levels:

(a) "Shared Partner" — A person you grant view-and-edit access to. A Shared Partner can view your accounts, balances, and transactions, and can make changes inside the Service such as categorizing transactions, adding notes, and updating budget entries. A Shared Partner's changes never propagate to your financial institutions or affect any data your bank holds; all edits exist only inside Forbidden Finance for organization and budgeting purposes.

(b) "Shared Viewer" — A person you grant read-only access to. A Shared Viewer can view your accounts, balances, and transactions for the purpose of discussion and advice but cannot make any changes inside the Service.

Sharing is initiated by you and requires the recipient's affirmative acceptance. You may revoke a Shared Partner or Shared Viewer's access at any time.

Silent revocation. We do not notify the recipient when you revoke their access. This "silent revocation" feature exists to protect users in situations including but not limited to intimate-partner abuse, coercive control, and changes in household circumstances.

Effect of revocation. When you revoke access, the recipient immediately and permanently loses the ability to view your data through the Service. Any edits a Shared Partner made to categorization, notes, or budget entries while access was active remain in your account; you may modify or remove them. The recipient retains no copy or export of your data through the Service.

Effect of recipient account deletion. If a Shared Partner or Shared Viewer deletes their own Forbidden Finance account, the sharing relationship between you and that person is fully unlinked: their access to your data ends (if it was still active), their identity is removed from your shared-budget view, and your account appears as though no sharing arrangement with that person had been in place. Any organizational edits the recipient made to your own data while access was active — for example, categorization changes, notes, or budget allocations — remain in your account as part of your own data, but with no identifying reference to the deleted recipient. Sharing-consent audit records identifying that person are retained for the six-year period described in our Privacy Policy in pseudonymized form, accessible only to satisfy our recordkeeping obligations and not visible to you in the application.

Consent recordkeeping. We retain records documenting the grant, acceptance, and withdrawal of each sharing arrangement for six (6) years to satisfy our recordkeeping obligations.

Your responsibility for sharing. You are responsible for choosing whom you grant access to. Forbidden Finance is not liable for any consequences arising from a Shared Partner's or Shared Viewer's use or disclosure of your data while access was active.

8. Prohibited Conduct

You agree to use the Service in accordance with this Agreement and all applicable laws and regulations. You will not violate any intellectual property, contract, or other rights of third parties. You are solely responsible for your conduct while using the Service. Specifically, you will not use the Service to:

(a) Harass, threaten, intimidate, stalk, or otherwise violate the rights of any other person;

(b) Impersonate another person or log into an account to which you are not authorized;

(c) Use or attempt to use another User's account without authorization;

(d) Interfere with the Service or any user, host, or network;

(e) Develop or use third-party applications that interact with the Service without Forbidden Finance's prior written consent;

(f) Use scripts to "scrape" or extract data from the Service;

(g) Reverse engineer any aspect of the Service or engage in any conduct that might reveal source code or circumvent measures used by the Service to limit access.

9. Termination, Data Export, and Deletion

(a) Termination by us for cause. Forbidden Finance may terminate this Agreement and your account for cause — including for material breach of this Agreement, violation of Section 8, fraud or chargeback abuse, illegal use of the Service, non-payment after the grace period in Section 5, attempting to circumvent tier limits or access controls, or material misrepresentation in account information — with no refund obligation.

(b) Termination by us without cause. Forbidden Finance may terminate this Agreement and your account without cause for any other reason, in which case we will refund any prepaid Fees on a pro-rata basis for the unused portion of your current billing period.

(c) Termination by you. You may terminate this Agreement at any time by deleting your account from inside the application. Upon termination by you, any active paid subscription is canceled and you will not be charged for any subsequent billing period. Termination by you does not entitle you to a refund of Fees already paid for the current or prior billing periods, except that if you are within the thirty (30) day money-back guarantee window described in Section 5(b) and have not previously received a refund for the same subscription, you may submit a refund request through the application's billing settings.

(d) Data export after termination. Upon account deletion, we will email you a secure, time-limited link to export your data in CSV and JSON formats. The link is also displayed on the deletion-confirmation screen so you may copy it in the event email delivery fails. The link expires thirty (30) days after issuance.

(e) Data deletion. We initiate deletion of your data within thirty (30) days following termination. Some records may persist longer due to upstream provider revocation requirements (for example, where a financial institution has not yet confirmed revocation of an access token issued through Plaid), in which case deletion completes once revocation is confirmed. Certain records — including consent records, audit logs, and financial-recordkeeping data — are retained for periods required by law, as described in our Privacy Policy.

(f) Effect on sharing. When your subscription ends, any Shared Partner's or Shared Viewer's access to your data also ends.

10. Changes to These Terms

We may modify this Agreement from time to time. For material changes, we will notify you by email at the address associated with your account at least thirty (30) days before the change takes effect. If the email associated with your account is no longer active, you remain responsible for monitoring the current version of this Agreement, which is always available at 403fin.io/legal/terms. If you do not agree to a change, you may terminate your account before the effective date and request a refund of any prepaid Fees as described in Section 9. Continued use of the Service after a change becomes effective constitutes acceptance of the change.

11. Disclaimer of Warranty

You acknowledge and agree that the Service, its content, and accompanying documentation are provided on an "as-is" and "as-available" basis. To the maximum extent permitted by applicable law, Forbidden Finance makes no representations or warranties of any kind, whether express, implied, statutory, or otherwise, regarding the Service, and specifically disclaims all warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, reliability, uninterrupted operation, and freedom from defects or harmful components. Forbidden Finance does not warrant that the Service will meet your requirements, that any data displayed will be accurate or current, or that errors will be corrected. Some jurisdictions do not allow the exclusion of certain warranties; in such jurisdictions, the foregoing disclaimers apply to the maximum extent permitted by law.

12. Limitation of Liability

(a) Exclusion of certain damages. To the maximum extent permitted by applicable law, in no event shall Forbidden Finance or its officers, directors, employees, agents, or suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages of any kind, including without limitation damages for loss of profits, loss of data, loss of goodwill, or business interruption, arising out of or relating to this Agreement or the Service, even if Forbidden Finance has been advised of the possibility of such damages.

(b) Cap on direct liability. Forbidden Finance's total cumulative liability arising out of or relating to this Agreement, regardless of the form of action (whether in contract, tort, strict liability, or otherwise), shall not exceed the greater of: (i) the amount of Fees actually paid by you to Forbidden Finance during the twelve (12) months immediately preceding the event giving rise to the claim, or (ii) one hundred U.S. dollars ($100).

(c) Jurisdictional carve-outs. Nothing in this Agreement excludes or limits liability that cannot be excluded or limited under applicable law. The limitations in this Section do not apply to: (i) liability for death or personal injury caused by Forbidden Finance's negligence; (ii) liability for fraud or fraudulent misrepresentation; or (iii) any other liability that cannot be limited under the law of your place of residence.

(d) California residents. California Civil Code Section 1542 ("A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release, which if known by him or her would have materially affected his or her settlement with the debtor or released party") is hereby expressly waived to the maximum extent permitted by law.

(e) Essential purpose. The limitations in this Section apply even if any limited remedy fails of its essential purpose.

13. Third-Party Services

The Service relies on third-party companies — including, without limitation, payment processors, banking-data aggregators, identity providers, email providers, hosting providers, push-notification providers, and observability providers — to provide certain functionality. The current list of sub-processors that process personal data on our behalf, along with vendors that do not process personally identifiable data, is published at 403fin.io/legal/subprocessors and updated as our processor relationships change.

Forbidden Finance is not liable to you for damages or losses caused by failures, errors, or downtime of third-party services used to provide the Service. This disclaimer does not limit Forbidden Finance's own obligations as a data controller under applicable data-protection law, and Forbidden Finance remains responsible for the selection and oversight of its sub-processors.

14. No Financial, Investment, Tax, or Legal Advice

Forbidden Finance displays bank balances, budget calculations, net worth aggregations, investment valuations, debt payoff projections, and FIRE retirement estimates. This data is provided "as-is," without warranty of accuracy or currency. Forbidden Finance is not responsible for calculations made based on user-inputted assumptions.

Forbidden Finance does not provide financial, investment, tax, or legal advice. Forbidden Finance is not registered as an investment adviser under the Investment Advisers Act of 1940 or any state securities laws, is not a registered broker-dealer, is not a certified public accountant, and is not a law firm. Nothing in the Service constitutes investment advice, a recommendation to buy or sell any security, an offer or solicitation of any kind, accounting advice, tax advice, or legal advice. You should consult an appropriately licensed professional before making financial, investment, tax, or legal decisions.

15. Force Majeure

In the event either party is unable to perform its obligations under this Agreement because of acts of God, strikes, equipment or transmission failure or damage reasonably beyond its control, or other causes reasonably beyond its control ("Force Majeure"), such party shall not be liable for damages to the other party for any damages resulting from such failure to perform or otherwise from such causes.

16. Data Breach Notification

In the event of a security breach affecting your personal data that is likely to result in harm to you, Forbidden Finance will notify you by email to the address associated with your account without undue delay after becoming aware of the breach. Where required by applicable law, we will also notify the relevant supervisory authorities and law enforcement. Our notification will include, to the extent known: the nature of the breach, the categories and approximate number of users affected, the likely consequences, and the measures we have taken or propose to take.

17. Governing Law

Except as otherwise required by applicable law of the User's place of residence, the laws of the State of Delaware, excluding its conflicts-of-law rules, govern this Agreement. Without limiting the foregoing, the Service is subject to other local, state, national, and international laws that apply by virtue of the User's residence or activity.

18. Arbitration and Class Action Waiver

(a) Binding individual arbitration. Any controversy or claim arising out of or relating to this Agreement, or its breach, shall be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration shall take place in your home jurisdiction within the United States, or by remote/video hearing at your election. Forbidden Finance will pay all AAA filing and arbitrator fees in excess of the amount you would pay to file in small-claims court in your home jurisdiction. Judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction.

(b) Injunctive relief carve-out. Either party may, at its option, seek injunctive relief in court related to the improper use, disclosure, or misappropriation of a party's private, proprietary, confidential, or trade-secret information.

(c) Class-action waiver. To the fullest extent permitted by law, you and Forbidden Finance agree that no class or collective actions can be asserted in arbitration or otherwise. All claims, whether in arbitration or otherwise, must be brought solely in your individual capacity, and not as a plaintiff or class member in any purported class or collective proceeding. Nothing in this Section restricts your right, if any, to file in court a representative action under applicable law, including the California Consumers Legal Remedies Act (Civil Code §1750 et seq.) or California Business & Professions Code §17200.

(d) Substantive law applicable to California consumers. For California residents, the substantive law of California shall apply to any arbitration or judicial proceeding brought under this Agreement to the extent California law would otherwise be displaced by the Delaware choice-of-law clause in Section 17. Nothing in this Section or in Section 17 limits the application of California Code of Civil Procedure §§ 1281.97 or 1281.98 regarding arbitration fee payment, or any other California consumer-protection law that cannot be waived by contract.

19. United States Legal Compliance

You represent and warrant that (i) you are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist-supporting" country, and (ii) you are not listed on any United States government list of prohibited or restricted parties.

20. Copyright Concerns

If you believe material on the Service infringes a copyright you own or control, contact us at [email protected] with (i) identification of the copyrighted work, (ii) the location of the allegedly infringing material on the Service, (iii) your contact information, and (iv) a statement of good-faith belief that the use is not authorized. We will review and respond. Knowingly false notices may result in liability to the sender.

21. Severability

If any provision or portion of this Agreement, or its application in a particular circumstance, is held to be invalid or unenforceable to any extent in any jurisdiction, such provision or portion will, as to such jurisdiction only, be ineffective to the extent of such unenforceability. All other provisions and portions of this Agreement will not be affected by the invalidity and will be valid and enforced to the fullest extent permitted by law.

22. Entire Agreement

This Agreement contains the final and entire agreement of the parties and supersedes all previous and contemporaneous verbal or written negotiations, understandings, or agreements regarding the subject matter of this Agreement.

23. Contact Forbidden Finance

You may contact Forbidden Finance using the email address appropriate to your inquiry:

Reason	Email
General questions about these Terms; legal notices; copyright concerns	[email protected]
Privacy requests (data access, deletion, correction)	[email protected]
Security incidents or vulnerability reports	[email protected]
Billing and subscription questions	[email protected]
All other support	[email protected]

Mailing address:
403 Finance, Inc.
1111B S Governors Ave, Ste 92573
Dover, DE 19904

24. Privacy Policy

Our Privacy Policy is incorporated into this Agreement by reference and is available at 403fin.io/legal/privacy.