By using Financial Health, you agree to these terms. Please read them alongside the Privacy Policy.
Effective October 4, 2026Financial Health is a free, personal financial health tracker. You manually enter your income, expenses, savings, debt, and goals, and the app calculates a Financial Health Score along with a breakdown, insights, and recommendations based on what you entered.
The app does not connect to your bank accounts and does not move, hold, or have access to your money. Every figure comes from what you type in.
Your Financial Health Score, insights, and recommendations are educational and informational only. They are generated from simple, fixed formulas applied to the numbers you enter — they are not personalized financial, investment, tax, or legal advice, and should not be treated as a substitute for advice from a qualified professional.
The AI Financial Coach is also educational and informational only, generated by a language model applied to the numbers you enter. It is not personalized financial, investment, tax, or legal advice, and it never recommends specific stocks, cryptocurrencies, or other investment products. Like any AI system, its responses can occasionally be incomplete or inaccurate — always use your own judgment.
Because all data is manually entered, the accuracy of your score and any AI Coach response depends entirely on the accuracy of what you enter.
You can create an account with your email and a password, or with Google Sign-In. You're responsible for keeping your password (or your Google account) secure and for all activity under your account. Create one account per person — accounts are personal and shouldn't be shared.
You can delete your account at any time from Profile → Delete Account. See the Privacy Policy for what happens to your data after deletion.
The app is free to use. It is supported by ads shown via Google AdMob: a rewarded video (which may be shown before you open the AI Coach, or used to unlock a bonus insight or to earn AI Points), an interstitial ad before Score Breakdown and Monthly Report, a banner ad on the Finances, Budget and Goals screens, and an ad shown when opening the app. New accounts see no ads for their first 3 days. Watching a rewarded video only unlocks supplementary features such as the AI Coach, a bonus insight or extra AI Points — no ad ever gates your Financial Health Score, score breakdown, standard recommendations, or core dashboard.
Ads are served by Google and its ad network partners. We do not control, and are not responsible for, the content of individual ads.
Every account gets a limited number of free AI Coach questions that refill daily. Once that daily amount is used, you can keep using the AI Coach by spending AI Points, which are earned by watching rewarded ads, sharing your Financial Health Card, or inviting friends with your referral code — each of those has its own daily or per-referral limit.
AI Points are a usage credit within the app only. They have no cash value, cannot be purchased, redeemed for cash, transferred to another user, or exchanged for anything outside the app.
We may change the free daily question amount, AI Point reward amounts, or any related limit at any time.
We may void AI Points or referral credit, and may suspend the account responsible, where we reasonably believe it was obtained through fraud, abuse, self-referral, fake accounts, or manipulation of the system.
Use the app for its intended purpose — tracking your own personal finances. Don't attempt to disrupt the service, access another user's account or data, or misuse the app (including the AI Coach, AI Points, or referral system) in a way that violates applicable law.
The app is provided "as is." We work to keep calculations correct and the service available, but we do not guarantee the app will be uninterrupted, error-free, or that any score, insight, or recommendation will be accurate or suitable for your specific situation.
To the fullest extent permitted by law, we are not liable for financial decisions you make based on information shown in the app, or for any indirect or consequential loss arising from your use of it.
We may update these terms as the app evolves. If changes are material, we will update the effective date above. Continuing to use the app after a change means you accept the updated terms.
Questions about these terms? Reach us at support@techmasti.com.
