Terms & Conditions

1. Provider / Legal Notice

DolFin is operated by EMIGLOBAL S.R.L. ("DolFin", "we", "us", "our").

• Registered address: Strada Democratiei 103, Bl. ICIM, 100562 Ploiesti, Romania
• Trade register (ONRC) no.: J29/1143/2024
• Tax identification (CUI): 50036884
• VAT ID: RO50036884
• D-U-N-S number: 523855255
• Email: support@dolfinapp.org

All prices shown for DolFin Pro include VAT.

2. Eligibility

DolFin is intended for users aged 16 or older in the EU. By creating an account or submitting a website form, you confirm that you meet this requirement and that the information you provide is accurate.

If you use DolFin on behalf of another person, you must have permission to do so and you must not upload statements or data that you are not authorised to use.

We do not enforce these Terms against anyone under 18 who accepted them without the consent of a parent or guardian. If that is you, you can stop using DolFin at any time and ask us to delete your data at support@dolfinapp.org, and we will.

3. What DolFin Does

DolFin provides financial education, expense tracking, manual and file-based statement import, gamified lessons, habit tools, subscription entitlement handling, website Money Leak Checks, and Money Leak Audit features.

DolFin may categorise transactions, detect recurring payments, highlight possible spending spikes, and suggest review actions. Outputs are estimates and may be wrong, incomplete, delayed, or based on imperfect imported data.

4. Your Account

You are responsible for keeping your login credentials secure and for all activity on your account. Contact support@dolfinapp.org if you believe your account has been compromised.

We may suspend or terminate accounts that violate these Terms, misuse the service, attempt to bypass security or paywalls, upload malicious files, or create legal or security risk.

5. User Data, Statements, and Imports

You choose which income, expense, category, transaction, and statement data to enter or import. You are responsible for checking imported rows before saving them.

• Upload only PDF or CSV statements you are authorised to use.
• Do not upload malware, forged documents, another person's statement without permission, or files intended to disrupt the service.
• Review extracted transactions before importing them into your tracker.
• Do not rely on DolFin to detect every recurring charge, subscription, fee, or spending pattern.

Bank statements may contain sensitive information. If your bank's layout is not one our own parsers recognise, the statement text is sent to OpenAI Ireland Ltd to be read and to suggest a spending category for each charge. We ask for your explicit consent before this happens, and you can withdraw it at any time under Profile. This is described in full in section 5 of the Privacy Policy.

6. No Professional Advice

DolFin is not a bank, investment firm, tax adviser, legal adviser, insurance broker, credit adviser, payment institution, or fiduciary. DolFin does not manage money, initiate payments, provide regulated account information services, or recommend specific financial instruments.

Any lessons, scores, insights, categories, projections, prompts, scripts, or suggested actions are for education and personal review only. You decide what to do. Consult a qualified professional before making investment, tax, legal, debt, insurance, credit, or other financial decisions.

DolFin does not guarantee savings, reduced spending, improved finances, investment returns, or successful cancellation or renegotiation of any contract.

7. Website Money Leak Check

The website Money Leak Check uses numbers and answers you enter to generate an educational snapshot and early-access follow-up. It is not a complete financial assessment and does not replace professional advice.

If you enter your email, we may send your requested result, launch access, or related DolFin updates. You can ask us to delete your form submission or stop contacting you by emailing support@dolfinapp.org.

8. Free Features and DolFin Pro

Some features are free. DolFin Pro may unlock additional features such as saved statement imports, Money Leak Audit details, recurring-spend review, or other paid functionality shown in the app.

DolFin Pro may be offered as monthly, annual, lifetime, introductory, or promotional access depending on store availability. Only offers shown in the app or by the app store at purchase time are available.

Exact localised price, billing period, renewal terms, taxes, trial or introductory-offer status, and payment confirmation are shown by Apple App Store or Google Play before purchase.

9. Subscriptions, Cancellation, and Refunds

• Subscriptions are billed through Apple App Store or Google Play.
• Subscriptions renew automatically unless cancelled in your store account before renewal, as explained by the relevant store.
• You keep Pro access until the end of the current paid period after cancellation.
• Restore purchases is available in the app where required by the store.
• DolFin Pro is sold by Apple or Google as seller of record. Refund and withdrawal requests for Pro therefore go to Apple or Google, under their rules and applicable consumer law.
• Those store routes are in addition to, and do not replace, your statutory rights against us. If the DolFin service itself is not as described or does not work as it should, you keep your remedies under Directive (EU) 2019/770 as implemented where you live, and you can raise them with us directly at support@dolfinapp.org.

DolFin must not charge users outside Apple IAP or Google Play for digital app features where store rules require in-app purchase.

Free accounts: your right of withdrawal. A free DolFin account is a contract for digital content supplied in exchange for your personal data, and you are our counterparty for it. You have the right to withdraw from that contract within 14 days of creating your account, without giving any reason. To withdraw, send a clear statement to support@dolfinapp.org — you may use the model withdrawal form below, but you do not have to.

Your right of withdrawal lapses once we have begun supplying the free digital content — that is, once we have produced your Money Leak report — because by starting the import you ask us to begin immediately and acknowledge that you thereby lose the right. Withdrawing does not require any payment from you, and it does not affect your right to delete your account and your data at any time (section 15).

10. XP, Levels, and Virtual Rewards

XP, levels, streaks, and achievements are part of the app experience only. They are not legal tender, have no cash value, cannot be transferred outside DolFin, and cannot be exchanged for money. DolFin has no purchasable in-app currency.

DolFin may modify, rebalance, reset, or remove virtual rewards where needed for security, abuse prevention, product changes, or service discontinuation.

11. Acceptable Use

You agree not to:

• Use DolFin for unlawful, fraudulent, abusive, or harmful activity.
• Upload malware, malicious PDFs, scripts, or files designed to attack our systems.
• Access or attempt to access another user's data.
• Bypass paywalls, quotas, security controls, rate limits, or app-store payment systems.
• Reverse engineer protected service components except where mandatory law allows it.
• Misrepresent DolFin outputs as professional advice, audited financial statements, or guaranteed results.
• Submit content that infringes rights, violates privacy, or you are not authorised to use.

12. Intellectual Property

DolFin's app design, graphics, mascot, text, lessons, quests, icons, code, and other content are owned by or licensed to DolFin and protected by intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use DolFin for your personal, non-commercial purposes in accordance with these Terms.

13. Third-Party Services

DolFin relies on third-party services such as Supabase, RevenueCat, Apple, Google, hosting, email, and support providers. Their own terms and policies may apply to their services. DolFin is not responsible for third-party services outside our control, except where applicable law says otherwise.

14. Apple and Google Store Terms

If you download DolFin through Apple App Store or Google Play, the relevant store terms also apply. Apple and Google are not responsible for providing DolFin support, maintenance, or advice. If these Terms conflict with mandatory app-store terms, the mandatory app-store terms apply to that issue.

15. Account Deletion and Termination

You can delete your DolFin account in the app settings. Account deletion removes DolFin-controlled app data tied to your account, subject to retention required for security, fraud prevention, legal, tax, payment, dispute, and processor records.

We may suspend or terminate access if you violate these Terms, create security risk, misuse the service, or if we discontinue DolFin. Mandatory consumer rights remain unaffected.

16. Availability and Changes

We aim to keep the service available, but we do not guarantee uninterrupted or error-free operation.

We may change, add, remove, or discontinue features of DolFin where there is a valid reason to do so — for example to maintain security, to comply with a legal requirement or an app-store rule, to adapt to a change by one of our service providers, or for ordinary technical maintenance. Any such change is made at no additional cost to you.

If a change would negatively affect your access to DolFin Pro features by more than a minor degree, we will tell you in advance, on a durable medium (by email), with reasonable notice. In that case you may terminate your Pro subscription free of charge within 30 days of receiving the notice, or of the change taking effect, whichever is later.

We may update these Terms. Material changes will be communicated in the app, on the website, or by email where required.

17. Disclaimers and Liability

DolFin is provided on an "as is" and "as available" basis. To the extent permitted by law, we disclaim warranties of accuracy, completeness, availability, merchantability, fitness for a particular purpose, and non-infringement.

To the extent permitted by law, DolFin is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits.

We remain fully liable for our own failure to perform this contract, and nothing here excludes that. In particular, we do not exclude liability for loss you suffer because DolFin misread your statement, mis-categorised a charge, or presented an inaccurate result, where that was caused by our fault. DolFin's outputs are for review, and you decide what to do with them — but the decision to review a charge is yours to make on information we owe you a duty to get right.

Nothing in these Terms limits liability that cannot legally be limited, including mandatory consumer rights, intentional misconduct, gross negligence where applicable, or liability for death or personal injury caused by negligence.

18. Governing Law and Consumer Rights

These Terms are governed by Romanian law. This choice of law does not deprive you of the protection of the mandatory consumer-law provisions of the country in which you habitually reside (Article 6(2) of Regulation (EC) No 593/2008, "Rome I").

As a consumer you may bring proceedings against us in the courts of the country where you live, and we may bring proceedings against you only there (Articles 17–19 of Regulation (EU) No 1215/2012, "Brussels I recast").

If you are unhappy with something, please contact us first at support@dolfinapp.org — most issues are resolved that way. As a Romanian trader we also point you to the Romanian alternative dispute resolution body, ANPC SAL, at reclamatiisal.anpc.ro. We are not obliged to participate in, and do not commit to, dispute resolution before a consumer arbitration board.

19. Contact

Questions, support requests, data export requests, complaints, and legal notices can be sent to support@dolfinapp.org.