Terms of Service

By creating an account, taking the assessment or otherwise using Mr. Fino (the “Service”), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

Mr. Fino is an educational financial assessment tool operated by RETURNX EDUMODE LLP. It analyses information you voluntarily provide and produces:

• A 0–100 Financial Health Score across five pillars — savings, debt, your emergency cushion, protection and investments.
• Plain-English breakdowns of each pillar, and a six-level clearance ladder showing which one to fix next.
• Generic guidance on areas that typically need attention based on your inputs.

The Service is not investment advice, tax advice, legal advice or a recommendation to buy, sell or hold any financial product. RETURNX EDUMODE LLP is not a SEBI-registered investment adviser.

You must be at least 18 years old to use the Service. You agree to provide accurate information during sign-up and assessment, and to keep your password confidential. You are responsible for activity on your account.

We may suspend or terminate accounts that abuse the Service, impersonate others, or violate these terms.

• Do not attempt to access another user's account or data.
• Do not scrape, reverse-engineer or otherwise extract data from the Service in bulk.
• Do not upload data that infringes anyone's rights or violates law.
• Do not use the Service to harm or harass others, or to send spam.
• Play fair in the in-app money games: do not use automation, exploits or multiple accounts to manipulate scores or the leaderboard. We may reset scores or restrict access for abuse.

Your Financial Health Score and first report are free. Optional paid plans unlock additional features such as the full report breakdown, personalised action plan, report history and snapshots, and live chat. Current plans and prices are shown on the billing screen before you pay.

• Payment processing. Payments are processed by Razorpay. We never receive or store your card, UPI or banking credentials.
• Prices. Plans are sold monthly, yearly or both. Where a plan shows an original price struck through next to a lower one, the lower price is the one you pay; the original is shown for comparison. Prices include GST.
• Auto-renew or pay once — your choice. When you buy a plan you can turn auto-renew on (it is on by default) or off. With auto-renew off, you pay once for one period and nothing is ever charged again; when the period ends your paid features stop unless you buy another. With auto-renew on, you authorise a recurring payment mandate through Razorpay (card, UPI AutoPay or another supported method), and the plan's current price is charged at the start of each new period — monthly or yearly, as you chose — until you turn it off.
• Before each auto-renew charge. We will email and notify you a few days before every charge with the amount and the date. Your bank or UPI app may also send its own pre-debit notice. The charge is taken a day before your current period ends, so your plan does not lapse while it goes through.
• Cancelling. You can cancel your plan, or turn auto-renew off, at any time from the Plan and billing screen in the app or on the website. Nothing more is charged after that, and your plan stays active until the last day of the period you already paid for, then ends. There is no fee to cancel. You can undo a cancellation any time before that last day; if you were on auto-renew, it stays off until you choose it again.
• Changing plan. Moving to a higher plan starts straight away and is paid for then. Moving to a lower plan (or from yearly to monthly) starts at the end of the period you already paid for: you keep your current plan until then, nothing is charged when you make the change, and there is no refund or credit for the time left. From that date the lower plan's price applies — charged automatically if you are on auto-renew, or paid by you when you renew. You can undo a change until it starts, unless you have already paid for the new plan.
• Failed renewals. If an auto-renew charge fails, Razorpay may retry it. We will tell you, and your plan stays active until the end of the period already paid for. If the payment still cannot be taken, auto-renew stops and your plan ends at that date unless you buy it again.
• Refunds. Amounts already paid, including auto-renew charges, are non-refundable except where required by law or where we choose to make one. If a payment is refunded in full, the period it paid for is withdrawn.
• Invoices. Invoices are issued by RETURNX EDUMODE LLP and are available for download from your billing history.
• Price changes. We may change plan prices or features. A change never affects a period you have already paid for. If you are on auto-renew, a new price applies to you too: we will tell you by email and in the app at least 7 days before the first renewal it applies to, naming the old price, the new price and that renewal date. If you do not want to continue at the new price, turn auto-renew off before that date and nothing more will be charged. If we cannot move your auto-renew to the new price, it will stop at the end of your current period and we will ask you to buy the plan again.

All software, design, content, scoring methodology and trademarks related to the Service — including the “Mr. Fino” name, logo and the RxT methodology — are owned by RETURNX EDUMODE LLP. You receive a personal, non-transferable, revocable licence to use the Service for your own household financial decisions.

You retain all rights in the financial data you input. By using the Service, you grant RETURNX EDUMODE LLP the limited right to process that data solely to operate the Service for you, in line with our Privacy Policy.

Sensitive personal data. Mr. Fino asks you for things the law treats as sensitive: your income and expenses, what you own and owe, your insurance cover, the nominees you have named, policy and account numbers, your advisor's contact details, and — if you choose to upload them — documents such as policy papers, property papers and identity documents. You are never required to enter any of it; every field beyond the ones needed to open an account is optional, and you can edit or remove an entry at any time.

What we undertake in return. We will not sell, rent, trade or share that data, and most of the internal console is built to show only whether a field was filled and never what it says. Where staff can see a figure — the support screen for Vault dates falling due, and a coach view of the answers behind your score — access is restricted and every use is logged. The exceptions are set out in “Your financial data: who can see it” in the Privacy Policy: the Financial Lifestyle add-on, if you buy it, which involves both an AI processor and a human reviewer at Mr. Fino; and a lawful order from a court or competent authority.

Accuracy is yours. Your score, report and plan are computed from what you type. We do not connect to your bank and cannot verify your figures, so the Service is only as accurate as the information you give it.

Deletion. Deleting your account erases your Vault, your stored documents, your check-up and any report written from it, along with the rest of your account data, as described in the Privacy Policy. Deletion is immediate and cannot be undone.

The Service is provided “as is”. We make no warranty that it will be uninterrupted, error-free, or that the score we produce is fit for any particular purpose.

The Mr. Fino score and any associated guidance are educational opinions based on the inputs you supply. They are not a substitute for advice from a qualified financial adviser, chartered accountant or tax professional. Always consult a licensed professional before making material financial decisions.

To the maximum extent permitted by law, RETURNX EDUMODE LLP will not be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, savings, investments, data or goodwill, arising from your use of (or inability to use) the Service. Our aggregate liability for any direct damages will not exceed the amounts you paid us in the 12 months preceding the claim, or ₹1,000, whichever is greater.

You agree to indemnify and hold RETURNX EDUMODE LLP harmless against any claim arising from your breach of these terms, your misuse of the Service, or your violation of any applicable law.

You can deactivate or permanently delete your account at any time from the Danger Zone in /my/settings, or the Settings screen in the app. Deactivating is reversible; deleting is not, and takes effect immediately once you confirm it with the one-time code we send you. What we erase and what we retain is set out in our Privacy Policy. We may suspend or terminate your access if you breach these terms. On termination the licence in section 5 ends; sections 5, 7, 8, 9 and 11 survive.

These terms are governed by the laws of India. The courts of Chennai, Tamil Nadu will have exclusive jurisdiction over any dispute arising from your use of the Service.

We may update these terms from time to time. The effective date at the top of this page reflects the latest revision. Material changes will be notified by email to signed-in users. Your continued use of the Service after the effective date constitutes acceptance.

Questions about these terms? Get in touch or email hello@mrfino.com.