Terms of Service

Plio is a progressive web application (PWA) and mobile app (Android and iOS) for personal finance management, available at https://plio-app.com and through app stores (Google Play, App Store). It lets you record transactions (expenses, income, savings, transfers), manage personal accounts, create custom categories, schedule recurring operations, view budget analytics, and — on the Premium plan — connect bank accounts via Open Banking.

Publisher: [TO COMPLETE — Name, legal form, address, registration number]
Contact: [email protected]

Access to Plio is restricted to individuals aged 18 or older (or the legal age of majority in their country of residence). By creating an account, you declare that you meet this requirement.

Authentication is via Google OAuth or email/password through Firebase Authentication (Google LLC, USA). You are solely responsible for keeping your credentials confidential and for all activity on your account. If you suspect unauthorized use, notify us immediately at [email protected].

Free Plan

Access to core features within the following limits: 1 deposit account, 1 savings account, 5 recurring transactions, 2 months of transaction history.

Premium Trial (14 days)

Every new account automatically receives a 14-day free trial with full access to all Premium features, no commitment and no payment details required.

Premium Plan

Unlimited access to all features including Open Banking. Available via Google Play (Android), Apple App Store (iOS), or the Plio website (RevenueCat). Billing, renewal and refund conditions are governed by the chosen platform. Plio does not directly process payments.

When you download Plio from Google Play or the App Store, the terms and conditions of those platforms apply in addition to these Terms. Plio's publisher is not a third-party beneficiary of contracts between you and those platforms.

You agree not to:

• Attempt to access other users' data or accounts;
• Use Plio for fraudulent, illegal, or unauthorized commercial purposes;
• Reverse engineer, decompile, or disassemble the application;
• Transmit malicious content or disrupt the availability of the service;
• Circumvent security or authentication measures.

Any violation may result in immediate account suspension or deletion, without prejudice to any legal proceedings.

The Plio application, its source code, design, text, and logo are the exclusive property of the publisher, protected by French and European intellectual property law. No license is granted beyond personal, non-commercial use of the app.

Data you enter in Plio (transactions, categories, notes) remains your exclusive property. Plio claims no ownership over your personal data.

Available on the Premium plan. Powered by Enable Banking (Enable Banking Oy, Otakaari 5, 02150 Espoo, Finland — Company ID 2988499-7), a licensed AISP supervised by the FIN-FSA under the PSD2 directive.

When you activate this feature:

• You are redirected to your bank to authenticate directly;
• Your banking credentials are never transmitted, collected, or stored by Plio;
• PSU consent is collected and held by Enable Banking for a limited period;
• Transaction data flows through the Enable Banking API and is stored in Plio solely for budget tracking.

You can revoke consent at any time from the app settings or directly with your bank.

Plio is provided "as is" and "as available." The publisher does not guarantee uninterrupted availability or the accuracy of data imported via Open Banking. Plio is not a financial advisory tool: nothing displayed constitutes professional financial advice or replaces guidance from a qualified advisor.

To the extent permitted by applicable law, the publisher's liability is limited to direct and foreseeable damages, and does not cover financial losses resulting from decisions based on information displayed in the app.

The processing of your personal data is governed by our Privacy Policy, which forms an integral part of these Terms. By accepting these Terms, you acknowledge having read the Privacy Policy and consent to the processing described therein.

You may delete your account at any time via Settings → Account → Delete my account (re-authentication required). This action is irreversible and permanently erases all your data. If you have a Premium subscription, cancel it separately through your purchase platform (Google Play or App Store) — deleting your Plio account does not automatically cancel the subscription.

The publisher may suspend or terminate any account for a proven violation of these Terms.

The publisher may update these Terms at any time. For material changes, you will be notified via in-app notification or email with reasonable notice. Continued use of Plio after changes take effect constitutes acceptance of the updated Terms.

These Terms are governed by French law, without prejudice to mandatory consumer protection provisions in your country of residence. Disputes not resolved amicably will be submitted to the competent French courts. You may also seek consumer mediation (contact details: [TO COMPLETE]).

• Email: [email protected]
• Publisher: [TO COMPLETE — Name and legal address]