Last updated: January 2026
By accessing or using Lisungi Finance ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Service.
Lisungi Finance is a personal finance management platform that provides tools for tracking transactions, budgeting, savings goals, debt management, investment tracking, receipt scanning, and AI-powered financial insights.
You must be at least 18 years old to use this Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.
To use certain features, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to:
We offer three subscription tiers:
Subscription fees are billed in advance on a monthly basis. Payment is processed securely through Stripe. By subscribing, you authorize us to charge your payment method on a recurring basis.
You may cancel your subscription at any time through your account settings or by contacting our customer support team. Cancellations take effect at the end of your current billing period, and you will retain access to paid features until that date. No further charges will be made after cancellation.
To cancel your subscription:
After cancellation, your account will automatically downgrade to the Free plan at the end of your billing period, and all your data will be preserved.
30-Day Money-Back Guarantee: We offer a full refund within 30 days of your initial subscription purchase if you are not satisfied with the Service. To request a refund during this period, contact [email protected] with your account details and reason for the refund request.
After 30 Days: We do not provide refunds for partial months, unused services, or subscription renewals after the 30-day guarantee period, except as required by applicable law. If you cancel your subscription, you will continue to have access to paid features until the end of your current billing period.
Exceptional Circumstances: Refunds may be considered on a case-by-case basis for exceptional circumstances, including:
All refund requests must be submitted in writing to [email protected] and will be processed within 5-10 business days of approval.
If you have a billing dispute or concern about a charge, please contact us at [email protected] before initiating a chargeback with your bank or credit card company. We are committed to resolving billing issues quickly and fairly.
Initiating a chargeback without first contacting us may result in immediate suspension of your account pending resolution of the dispute. If a chargeback is found to be unjustified, we reserve the right to pursue collection of the disputed amount and any associated fees.
We reserve the right to modify subscription prices with at least 30 days' notice. Price changes will apply to your next billing cycle unless you cancel before the change takes effect.
You agree not to:
The Service, including its design, features, functionality, and content, is owned by Lisungi Finance and protected by copyright, trademark, and other intellectual property laws.
You retain ownership of any data, information, or content you submit to the Service ("Your Content"). By submitting Your Content, you grant us a limited license to use, store, and process it solely to provide the Service.
Our AI-powered insights and recommendations are provided for informational purposes only and should not be considered professional financial advice. You are solely responsible for your financial decisions.
Your use of the Service is also governed by our Privacy Policy. Please review it to understand how we collect, use, and protect your information.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We are not a financial advisor, accountant, or tax professional. The information and tools provided through the Service are for informational purposes only and should not be construed as professional financial, investment, tax, or legal advice.
While we strive for accuracy, we do not guarantee that all data, calculations, or insights provided by the Service are error-free or complete. You are responsible for verifying the accuracy of your financial information.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAMILY FINANCIAL MASTERY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:
You agree to indemnify, defend, and hold harmless Lisungi Finance and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses arising out of or related to your use of the Service or violation of these Terms.
We reserve the right to suspend or terminate your account and access to the Service at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the Service will immediately cease.
The Service may integrate with third-party services (e.g., Stripe for payments, SendGrid for emails). Your use of these services is subject to their respective terms and conditions. We are not responsible for the actions or policies of third-party providers.
We may modify these Terms at any time. We will notify you of material changes by email or through a prominent notice on the Service. Your continued use of the Service after changes indicates your acceptance of the modified Terms.
These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Lisungi Finance operates, without regard to its conflict of law provisions.
Before filing a claim, you agree to contact us at [email protected] to attempt to resolve the dispute informally.
Any disputes arising out of or relating to these Terms or the Service shall be resolved through binding arbitration, except that either party may seek injunctive relief in court for infringement of intellectual property rights.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Lisungi Finance regarding the Service and supersede all prior agreements and understandings.
If you have questions about these Terms, please contact us:
Email: [email protected]
Support: [email protected]
By using Lisungi Finance, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree, you must discontinue use of the Service immediately.