Agreement to Terms
By accessing or using the Finzo mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
Description of Service
Finzo is an AI-powered mobile application that provides:
AI Content Generation:
- Image Generation - Create AI-generated images using Gemini 2.5 Flash
- Video Generation - Create AI-generated videos using Veo 3.1
- Music Generation - Create AI-generated music using Suno AI
AI Assistants:
- Trading & Markets - AI-powered trading analysis with chart vision
- Fashion Stylist - Wardrobe analysis and styling recommendations
- Legal Advisor - Legal consultation and contract analysis
- Relationship Therapy - Counseling and communication advice
- Nutrition Coach - Food analysis and meal planning with vision
- Business Consultant - Startup ideas and business planning
- Chat Hub - Multi-model AI conversations
Additional Features:
- Finzo Showcase - Social feed for sharing generated content
- Gem System - Virtual currency for AI features
- Subscriptions - Plus and Vizhe (Special) subscription tiers
Eligibility
You must be at least 13 years old to use Finzo. By using the App, you represent that:
- You are at least 13 years of age
- You have the legal capacity to enter into these Terms
- If you are under 18, you have parental consent
Age Rating: 12+ (App Store rating due to AI-generated content)
Gem System
Virtual Currency:
- Gems are virtual currency used to access AI features
- Gems have no real-world monetary value
- Gems are non-transferable and cannot be redeemed for cash
Gem Purchases:
- Gem packs: 1,000 gems, 2,300 gems, 6,000 gems
- Purchases are processed through Apple In-App Purchase
- All gem purchases are final and non-refundable (except as required by law)
Gem Usage:
- Image generation: 5 gems
- Video generation: 20 gems
- Music generation: 15 gems
- AI assistants: 1-5 gems per interaction
- Gem costs are subject to change with notice
Subscriptions
Subscription Tiers:
Finzo Plus:
- 900 gems per month
- Access to all AI features
- Available monthly or annually
- 25% discount on annual plan
Finzo Vizhe (Special):
- 2,500 gems per month
- Access to all AI features
- Priority support (if available)
- Available monthly or annually
- 17% discount on annual plan
Subscription Terms:
Auto-Renewal:
- Subscriptions automatically renew unless canceled at least 24 hours before the current period ends
- Payment is charged to your iTunes Account at confirmation of purchase
- Account will be charged for renewal within 24 hours prior to the end of the current period
Free Trial:
- First-time subscribers may receive a 1-week free trial (if offered)
- Payment will be charged after the trial period unless canceled
- Previous subscribers are not eligible for free trials
Cancellation:
- Cancel anytime through iOS Settings → Apple ID → Subscriptions
- Cancellation takes effect at the end of the current billing period
- No refunds for partial months
Content Generation and Use
Prohibited Content:
You may NOT use Finzo to generate:
- Illegal content (child exploitation, terrorism, etc.)
- Content that violates third-party rights (copyright, trademark)
- Sexually explicit or pornographic content
- Hateful, discriminatory, or violent content
- Spam or misleading content
- Deepfakes or impersonation content
Finzo Showcase (Social Feed):
Community Guidelines:
- Be respectful and kind
- No harassment, hate speech, or bullying
- No spam or self-promotion
- No impersonation
- No content that violates our Prohibited Content policy
AI Service Limitations
No Guarantees:
- AI-generated content may be inaccurate, biased, or inappropriate
- We do not guarantee quality, accuracy, or suitability of generated content
- AI assistants do NOT provide professional advice (legal, medical, financial, etc.)
Important Disclaimers:
- Trading AI: Not financial advice. Do not make investment decisions based solely on AI analysis
- Legal AI: Not legal advice. Consult a licensed attorney for legal matters
- Therapy AI: Not a substitute for professional mental health treatment
- Nutrition AI: Not medical advice. Consult a healthcare provider for dietary needs
Payment and Billing
In-App Purchases:
- All purchases are processed through Apple In-App Purchase
- Payment methods are managed through your Apple ID
- Prices are in Iranian Toman (IRR) or local currency
Refunds:
- Gem purchases are generally non-refundable
- Subscription refunds are subject to Apple's refund policy
- Contact Apple Support for refund requests
Disclaimers
AS-IS BASIS: THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
LIMITATIONS: TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE PAST 12 MONTHS.
Prohibited Activities
You may NOT:
- Violate any laws or regulations
- Infringe on intellectual property rights
- Generate illegal or harmful content
- Harass, abuse, or harm others
- Spam or flood the service
- Attempt to hack, reverse-engineer, or exploit the App
- Use automated tools (bots) without permission
- Create multiple accounts to abuse free trials or promotions
- Share account credentials
Contact Information
For questions about these Terms:
- Email: legal@finzoai.com
- Website: https://finzoai.com
- Support: support@finzoai.com
Acknowledgment
BY USING FINZO, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.