Terms & Conditions

1. Agreement to these terms

These Terms & Conditions (the “Terms”) govern your use of the Fyrgo mobile app (the “app”). By downloading, accessing or using Fyrgo, you agree to be bound by these Terms. If you do not agree, please do not use the app. These Terms should be read together with our Privacy Policy.

2. Who provides Fyrgo

Fyrgo is developed and operated by Dennis Noens, an individual developer based in Belgium. You can reach us at fyrgo.app@gmail.com.

3. Licence to use the app

We grant you a personal, limited, non-exclusive, non-transferable and revocable licence to install and use Fyrgo on devices you own or control, for your own personal, non-commercial use, in accordance with these Terms and the rules of the app store you downloaded it from. This licence does not transfer any ownership of the app to you.

4. Intellectual property

Fyrgo and everything it contains — including its name, logo, design, layout, text, graphics, icons and underlying software — are owned by us or our licensors and are protected by intellectual property law. Except as expressly permitted by these Terms or by mandatory law, you may not copy, reproduce, modify, translate, adapt, distribute, publish, publicly display, create derivative works from, decompile, disassemble, reverse engineer, or otherwise exploit any part of the app, in whole or in part.

5. Acceptable use

When using Fyrgo, you agree that you will not:

• use the app for any unlawful purpose or in breach of these Terms;
• copy, resell, rent, sublicense, distribute or otherwise make the app available to others;
• reverse engineer, decompile, disassemble or attempt to extract the source code of the app, except to the extent this restriction is prohibited by applicable law;
• circumvent, disable or interfere with security, licensing or payment features;
• use the app in a way that could damage, disable or impair it, or infringe the rights of others.

6. Premium subscription and payments

Fyrgo offers an optional Premium subscription. Purchases are made and billed through the Apple App Store or Google Play, and subscription status is managed on our behalf by RevenueCat. Where a free trial is offered, it automatically converts to a paid subscription unless you cancel before the trial ends. Subscriptions renew automatically for the chosen period unless you cancel at least 24 hours before the end of the current period.

You can view, manage or cancel your subscription at any time in your App Store or Google Play account settings. Prices are shown in the app before purchase and may change for future billing periods. Payments, billing and refunds are handled by Apple or Google under their own terms and policies — we do not process payments and cannot issue refunds directly.

7. Fyrgo is not financial advice

Fyrgo is a tool that helps you record and visualise your own financial data. It does not provide financial, investment, tax, accounting or legal advice, and nothing shown in the app should be relied upon as such. Balances, charts, projections and calculations (including, for example, loan and amortization schedules) are provided for information only, are based on the data you enter, and may contain inaccuracies. You are solely responsible for your own financial decisions. If you need advice, please consult a qualified professional.

8. Your data and backups

Your financial data is stored locally on your device, as described in our Privacy Policy. You are responsible for keeping your own backups; the app provides an export and import feature for this purpose. We recommend exporting your data regularly and storing the backup file somewhere off your device — for example in cloud storage — so that it stays available and can be restored even if your device is lost, damaged or replaced. To the maximum extent permitted by law, we are not responsible for any loss of or damage to your data, including loss resulting from deleting the app, device loss or failure, or app updates.

9. Availability and changes to the app

We provide the app on a best-effort basis and may add, change, suspend or discontinue features — or the app as a whole — at any time. We are not obliged to keep supporting older versions of the app.

10. Disclaimer of warranties

To the maximum extent permitted by law, the app is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or uninterrupted or error-free operation.

11. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special or consequential damages, or for any loss of data, profits or savings, arising out of or in connection with your use of, or inability to use, the app. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law, nor does it affect your mandatory statutory rights as a consumer.

12. Third-party services

Fyrgo relies on third-party services, including Apple, Google and RevenueCat. Your use of those services is subject to their own terms and privacy policies, and we are not responsible for them.

13. Termination

You may stop using Fyrgo at any time by uninstalling it. We may suspend or terminate your right to use the app if you breach these Terms. Provisions that by their nature should survive termination — including those on intellectual property, disclaimers, limitation of liability and governing law — will continue to apply.

14. Changes to these terms

We may update these Terms from time to time. The most recent version is always available on this page, with the date of the last change shown at the top. If you continue to use the app after changes take effect, you accept the updated Terms.

15. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

16. Governing law and jurisdiction

These Terms are governed by Belgian law. Any disputes will be subject to the non-exclusive jurisdiction of the competent courts of Belgium. If you are a consumer resident in the European Union, you also benefit from any mandatory protections of the law of your country of residence.

17. Contact

Questions about these Terms? Email fyrgo.app@gmail.com.