Terms of Service

1. Who operates FinoVera

FinoVera is operated by Prathamesh Shedge, an individual based in Germany, under the WaffleBerry brand. WaffleBerry is a brand/project name, not a registered company or separate legal entity. Contact: waffleberry.app@gmail.com.

FinoVera is currently provided free of charge. There are no paid subscriptions, purchases, deposits, brokerage services or real-money financial services. Any advisor fees or subscriptions shown inside the simulation use simulated money. These Terms and the Privacy Policy must be reviewed and updated before monetization is introduced.

Public legal contact address: Prathamesh Shedge, Kurt Schumacher Str. 34A, 21629 Neu Wulmstorf, Germany.

2. Eligibility and your account

You must be at least 16 years old to create an account or use FinoVera. By agreeing to these Terms, you confirm that you meet this minimum age. If the law where you live requires a parent or guardian's permission to enter this agreement, obtain it before creating an account. The age, birthday and life events entered for a simulated character are simulation settings, not proof of your actual age.

Provide a username and an email address you control. Password registration requires email verification before normal account access. Keep your password and verification links private, use a unique password, and contact us if you suspect unauthorized access. Do not impersonate someone else or register using their email address.

Google Sign-In is optional. A new Google user must complete account setup and accept these Terms and acknowledge the Privacy Policy before an account is created. Linking Google to an existing account requires an explicit authenticated linking flow; matching email addresses do not automatically merge accounts.

New accounts require both Terms acceptance and a separate acknowledgement of the Privacy Policy. The acknowledgement is not consent to marketing, advertising or optional tracking. Accounts created before the consent rollout remain usable without retroactive acceptance blocking; this does not represent a fabricated acceptance of these Terms.

3. A simulation for learning

FinoVera is a financial-life simulation for education, entertainment and financial literacy. It lets you explore budgeting, investing and the consequences of simulated decisions over time. All money, balances, prices and purchases shown in the game are simulated and have no cash value. Stocks, funds, metals, properties, businesses, loans, insurance and other in-game assets or products are also simulated. They do not create ownership, claims, coverage or obligations in the real world and cannot be redeemed for money.

FinoVera does not accept deposits, hold your financial assets, connect to your bank, execute real trades or provide banking or brokerage services. Entering opening finances in Mirror mode is manual input for a simulation, not an instruction to move real money.

Market data, historical scenarios, prices, rates, events and outcomes can be generated, simplified, delayed or different from real markets. Simulated performance is not a prediction. No investment return, outcome or improvement in real-world finances is guaranteed.

4. Advisors, Vera and AI

The product and its advisors do not provide financial, investment, tax, legal or other professional advice. Advisor personalities are simulated characters, not licensed professionals acting for you. Features labelled as previews or locked concepts, including Vera where shown that way, are not promises that those capabilities are available.

Available AI features use OpenAI and selected simulation context to generate replies and personalized content. AI can be inaccurate, incomplete, outdated, biased or inconsistent. Review outputs critically. Do not treat generated content as a recommendation to buy, sell, borrow or take any other real-world action.

You remain responsible for real-world decisions. Obtain advice from an appropriately qualified professional when needed. Do not enter passwords, access tokens, bank credentials, highly sensitive personal information or another person's private information into chat. AI availability and usage may be limited for cost, safety or service reliability.

5. Responsible use

Use the service lawfully. Do not harass others, submit unlawful or infringing content, impersonate people, attempt unauthorized access, exploit financial-action replays, bypass ownership checks or limits, extract secrets, disrupt the service, or automate abusive account creation or excessive requests. Do not try to make AI features reveal private data or perform prohibited actions.

Report suspected vulnerabilities privately to waffleberry.app@gmail.com. Do not access other users' information or perform disruptive testing against production.

6. Content and intellectual property

FinoVera's original software, branding, design and other protected content belong to their respective rights holders. These Terms grant permission to use the hosted service for its intended purpose; they do not transfer intellectual-property ownership. Rights in open-source components and third-party material remain governed by their applicable licences.

You retain any rights you have in information you submit. You grant the permission necessary to store and process that information to operate the service and its requested features, including AI processing described in the Privacy Policy. This is not a transfer of ownership or a blanket licence for unrelated advertising. Submit only information you are entitled to provide.

AI outputs may not be unique or protected by intellectual-property law. FinoVera does not guarantee that an output is accurate, exclusive or free of third-party rights.

7. Availability, changes and termination

We aim to provide a useful service but cannot promise uninterrupted availability, permanent feature availability or error-free simulation results. Maintenance, provider outages, security incidents and software changes may interrupt access. Features and simulation rules may change; we will communicate material changes where reasonably practicable.

We may restrict or suspend access when reasonably necessary to address abuse, security risks or legal obligations. Where practicable and lawful, we will explain the reason and provide a way to contact us. You can stop using the service at any time and can use the account-deletion control or contact us for help.

Deleting a simulated life is different from deleting your account. Account deletion removes the active account and its linked simulation, authentication and advisor records. Previously created encrypted backups expire through the backup-retention process; the Privacy Policy explains its limits. Do not rely on FinoVera as the only record of important real-world information.

8. Disclaimers and responsibility

The simulation and generated content are provided for learning, with the limitations described above. To the extent permitted by applicable law, we do not warrant fitness for a particular real-world financial purpose or the accuracy of simulated or AI-generated outcomes.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for intentional misconduct, gross negligence or injury to life, body or health. Mandatory consumer rights remain unaffected. No blanket indemnity or waiver of statutory rights is imposed by these Terms.

9. Changes and applicable law

We identify these Terms by version and effective date. Material changes will be communicated appropriately and fresh agreement will be requested where required. We will not silently rewrite past acceptance records or treat a Privacy Policy acknowledgement as permission for materially different optional processing. Future monetization, marketing or tracking requires a separate policy and implementation review.

The operator is based in Germany. Applicable mandatory law, including consumer protections that apply where you habitually reside, remains in force. These Terms do not impose an exclusive court venue, arbitration agreement or waiver of your legal remedies. Questions and complaints may be sent to waffleberry.app@gmail.com.