These Terms of Service ("Terms") are an agreement between you (and, if you're signing up on behalf of a company, that company) and PAPPLE WORLD FZE LLC, operating as Finloraq ("Finloraq", "we", "us"). By creating an account or using Finloraq, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the service.
If you're accepting these Terms for a company, you confirm you have authority to bind that company, and "you" in these Terms means that company.
Finloraq is a finance and accounting platform: a double-entry accounting ledger, invoicing, expenses, banking records, cash flow forecasting, reporting, and an AI copilot that helps draft, extract and explain financial entries. Every AI-proposed action requires your explicit confirmation before it's posted to your books — see Section 6.
We may add, change or remove features over time. We'll try to give notice of changes that materially reduce functionality you rely on, but this isn't a guarantee that any specific feature will always exist in its current form.
Finloraq offers a Free plan and paid subscription plans, billed through Stripe. By subscribing to a paid plan, you authorize us (via Stripe) to charge your payment method on a recurring basis for that plan until you cancel.
You (or your company) own the financial data, documents and content you put into Finloraq. We don't claim ownership of it. You grant us a limited license to host, process and display that data solely to provide and improve the service to you — see our Privacy Policy for what we collect and how it's used, including how AI features process it.
You're responsible for the accuracy and legality of the data you enter, for having the rights to upload any documents you submit, and for complying with any accounting, tax or record-keeping laws that apply to your business — Finloraq is a tool to help you keep books, not a substitute for your own compliance obligations.
You can export or request deletion of your data — contact support@finloraq.com. We may retain data as required by law or as described in our Privacy Policy after an account closes.
Finloraq's AI features (document extraction, drafted journal entries, the AI CFO copilot, voice commands) are decision-support tools. They can make mistakes: misread a document, propose an incorrect entry, or misunderstand a request. That's why every AI-proposed action is shown to you before anything is posted and requires your explicit confirmation — nothing an AI feature proposes is applied to your books automatically.
AI output from Finloraq is not accounting, tax, financial or legal advice. You (or your company's qualified professionals) remain responsible for reviewing and approving every entry and for the accuracy of your books and filings. For decisions with real financial, tax or legal consequences, consult a qualified accountant, tax advisor or lawyer.
You agree not to:
We may suspend or terminate accounts that violate this section.
Finloraq relies on and integrates with third-party services — including Stripe for payments, Anthropic and/or OpenAI for AI processing, and, if you enable them, WhatsApp Business messaging and email-based document capture. Your use of those integrations may also be subject to that provider's own terms. We're not responsible for outages or changes in a third-party service that affect Finloraq's functionality, though we'll do our best to keep the service working around them.
Finloraq — including its software, design, trademarks and branding — is owned by PAPPLE WORLD FZE LLC or its licensors. Subject to these Terms, we grant you a limited, non-exclusive, non-transferable right to access and use Finloraq for your own business purposes. Nothing in these Terms transfers any of our intellectual property rights to you.
Finloraq is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the service will be uninterrupted, error-free, or that AI-generated output will always be accurate — see Section 6.
To the maximum extent permitted by law, PAPPLE WORLD FZE LLC will not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits, revenue, data or business opportunity, arising from your use of Finloraq — including from an AI-proposed entry you approved, or from data loss — even if we've been advised of the possibility of such damages. Our total liability for any claim relating to the service will not exceed the amount you paid us in the twelve months before the claim arose (or, for the Free plan, one hundred dollars). Some jurisdictions don't allow these limitations, in which case only the limits that jurisdiction allows will apply.
You may stop using Finloraq and close your account at any time. We may suspend or terminate your access if you materially breach these Terms (including Section 7), if required by law, or if we discontinue the service (with reasonable notice where practical). Sections that by their nature should survive termination — including Your Data, Disclaimers, Limitation of Liability and Governing Law — will survive.
These Terms are governed by the laws of the United Arab Emirates, without regard to conflict-of-laws principles. Any dispute arising from these Terms or your use of Finloraq will be subject to the exclusive jurisdiction of the competent courts of Ras Al Khaimah, UAE, unless applicable law in your jurisdiction requires otherwise.
We may update these Terms as Finloraq evolves. If we make material changes, we'll update the effective date above and, where appropriate, notify you directly. Continuing to use Finloraq after a change takes effect means you accept the updated Terms.
Questions about these Terms can be sent to hello@finloraq.com or support@finloraq.com.
PAPPLE WORLD FZE LLC — Ras Al Khaimah (RAK), United Arab Emirates.