By creating an account or using FIN-83 at https://fin83.com, you agree to these Terms & Conditions and our Privacy Policy. If you do not agree, do not use the service. Operator: Julio C. Fausto. Contact: info@fin83.com.

FIN-83 is a personal finance management web application that requires an active paid subscription for full access (unless we grant you complimentary access). Access is invite-only; we may approve or decline invite requests at our discretion. An annual subscription includes full FIN-83 features and access to Prosperity Blvd at playprosperityblvd.com when you use the same email address. We may change, suspend, or discontinue features with reasonable notice where practicable.

You must provide a valid email and keep your password confidential. You are responsible for activity under your account. Notify us promptly at info@fin83.com if you suspect unauthorized access.

You retain ownership of the financial information you enter. You grant us a limited license to store and process it solely to operate FIN-83 for you. You are responsible for the accuracy of data you enter. Exports you download from Settings are plain, unencrypted JSON files — treat them like any sensitive document you save on your device.

FIN-83 is offered as an annual subscription. Prices are shown on our subscription page and vary by region (for example, Brazil and international pricing). Payment is processed by Lemon Squeezy, which acts as merchant of record; you complete checkout on their secure pages. We do not store your payment card details.
Subscriptions renew automatically each year unless you cancel before the renewal date. You can manage or cancel your subscription through the Lemon Squeezy customer portal (link in your receipt email) or by contacting us at info@fin83.com.
Approved invites may include a free first year — the discount is applied automatically at checkout. If you purchased Prosperity Blvd separately, we may credit that purchase toward your first FIN-83 year when you subscribe with the same email address.
If your subscription lapses or is cancelled, you lose access to FIN-83 until you resubscribe; your account and financial data remain unless you delete them separately.
Refunds are handled according to applicable consumer law and Lemon Squeezy's policies as merchant of record. Contact info@fin83.com for billing questions.

FIN-83 is a tracking and planning tool, not a licensed financial, tax, or legal advisor. The FREEDOM chat feature is scripted entertainment based on your numbers — not professional advice. Do not rely on FIN-83 for investment, tax, or legal decisions.

Do not misuse the service: no unlawful activity, harassment, attempts to breach security, scraping at scale, or interference with other users. We may suspend or terminate accounts that violate these terms.

We aim to keep FIN-83 available but do not guarantee uninterrupted access. Maintenance, outages, and bugs may occur. We may update these terms; material changes will be reflected by the "Last updated" date. Continued use constitutes acceptance.

FIN-83 is provided "as is" to the fullest extent permitted by law. We disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement.

To the maximum extent permitted by law, Julio C. Fausto is not liable for indirect, incidental, special, or consequential damages, or for loss of profits or data, arising from your use of FIN-83. Our total liability for any claim is limited to the subscription fees you paid for FIN-83 in the twelve months before the claim.

You may stop using FIN-83 at any time. Cancelling your subscription ends paid access at the end of the current billing period but does not delete your account. From Settings you can erase your financial data while keeping your login, or permanently delete your account and all associated data. We may terminate or suspend access for breach of these terms or for operational reasons. Provisions that by nature should survive (liability limits, governing law) survive termination.

These terms are governed by the laws applicable to Julio C. Fausto, without regard to conflict-of-law rules. Mandatory consumer protections in your country of residence remain unaffected where applicable.