JiaFi Terms of Service
1. What the service is
JiaFi is provided by the developer named on its App Store listing (“we”, “us”). You can reach us at support@jiafi.app.
JiaFi (家Fi) provides a balance-sheet and financial-health tool for families, including ledger records, an asset-allocation view, debt management, and retirement and financial-goal projections.
2. What this service explicitly is not
So that there is no misunderstanding, please be clear about what this service is and where its boundaries lie:
- It is not an individualised investment or financial advisory service: the health-check explanations, indicator calculations, financial-goal projections and trend displays in the app are all objective calculations and general explanations derived from the figures you enter yourself. They do not constitute individualised investment, tax, legal or financial advice.
- It recommends no financial product, and it has no discretionary-management, order-placement or financial-agency function of any kind.
- It is not a transaction-by-transaction bookkeeping tool: this service is about keeping track of your net worth over regular periods. It does not record individual receipts, and it will never ask you to authorise a connection to your bank, broker or credit institution, or to give it access to your transaction history.
- Accuracy of the data, and checking it yourself: every projection and analysis is based on the figures you enter and maintain yourself. Before making any significant financial, investment or borrowing decision, please check the original account statements yourself and assess them carefully.
- Market prices shown in the app are provided for reference and record-keeping only. They may be delayed, incomplete or inaccurate, and we make no guarantee of their accuracy, completeness or timeliness. They are not investment advice and must not be relied on for any investment or trading decision.
3. Accounts and acceptable use
3.1 Use without registering
You can use this service without registering at all. In that case, all of your financial data is stored encrypted on your own device only.
3.2 Registering and syncing
Signing in with a Google or Apple account exists to enable cross-device cloud sync and family sharing. You must be at least 18 years old, or use the service with the consent of your legal guardian.
3.3 Account security
You are responsible for keeping your sign-in credentials safe. Any action carried out through your account is presumed to have been carried out by you.
3.4 Authorising family sharing
Inviting a family member into the same ledger authorises that person to see and edit everything in it. Each family member needs their own JiaFi account: you send an invitation, they sign in, and they join from their own device. Family seats are JiaFi's own membership, not Apple Family Sharing — a subscription bought on one Apple ID is not shared with that Apple ID's family group. Invitation links are single-use and time-limited, so please make sure you are sending one to the right person. To end the sharing, you can remove that member from the member list in the app at any time.
4. Your data is yours (data ownership)
- All of the financial data and content you enter belongs entirely to you. We claim no rights over your content.
- You have full data portability at all times: from within the app you can export an unencrypted CSV file compatible with spreadsheet software (such as Excel or Google Sheets) to analyse as you wish, or export a complete, password-encrypted backup file (.jiafi) for offline safekeeping and for restoring your ledger (CSV files are for viewing and analysis only; they cannot be imported back).
- For how we handle and protect your personal data, see the Privacy Policy.
5. Intellectual property and use restrictions
- The software architecture, user interface, trademarks and source code of this service belong to us and are protected by copyright and related law.
- You may not disrupt the normal operation of this service, or bombard it with abnormally frequent requests, whether through malicious software, automated crawlers or any other means.
- Without prior written permission, you may not reproduce, decompile or distribute the code or interface design of this service in order to develop a competing product or to resell it commercially.
6. Fees and subscriptions
The core of JiaFi is free. Every month you have already recorded stays readable and editable, the current month can always be settled, and a complete export of your own data is always available to you — none of that depends on paying us. What a paid plan buys is the work the app keeps doing on your behalf.
6.1 Plans and prices
- Free — no charge, no payment method, no time limit. It covers three settled months and up to ten accounts, with every core feature available inside that window. Reaching either limit only stops you opening a fourth settled month or adding an eleventh account; every month you already have stays readable and editable.
- Individual, one seat — NT$120 per month.
- Family, up to four seats in one household — NT$190 per month. A seat is filled by inviting someone who has their own JiaFi account (see 3.4).
Only monthly subscriptions are offered at this time; we may add an annual plan later, and if we do it will be shown here and in the App Store before you can buy it. Subscriptions are sold only through Apple's App Store, from inside the iOS app. The web version is available to paid members but does not sell subscriptions: buy on your iPhone, sign in on the web with the same account, and the paid plan applies there as well. Prices are shown in New Taiwan dollars and include any tax the App Store collects on our behalf. The price you actually pay, in your own currency, is the one the App Store shows you on the confirmation screen before you buy — that screen, not this page, is the authoritative figure for your purchase.
6.2 Free trial, automatic renewal, and when we charge you
- Each paid plan begins with a 14-day free trial. Starting the trial requires a valid payment method held by your App Store account, but nothing is charged during the trial.
- Unless you cancel at least 24 hours before the trial ends, the trial converts automatically into a paid subscription and the first payment is taken at that point.
- The subscription then renews automatically at the end of each billing period — every month — and your account is charged within 24 hours before each renewal, unless you cancel at least 24 hours before the current period ends.
- A free trial is offered once per App Store account. If you have used the trial for one plan, switching to another plan may start as a paid subscription immediately; the App Store's confirmation screen will tell you which one applies.
6.3 How to cancel
You can cancel at any time, and cancelling takes effect at the end of the period you have already paid for — you keep the paid features until then, and we do not take a further payment.
- On your iPhone or iPad: Settings › your name › Subscriptions › JiaFi › Cancel Subscription. The app also opens that screen for you from More › Account › Manage subscription.
Deleting the app does not cancel a subscription, and neither does deleting your JiaFi account: the subscription lives with the Apple ID that bought it, so it has to be cancelled there.
6.4 Refunds
Apple is the seller of record for every purchase made inside the app, so refunds are handled by Apple under its own policy, not by us. You can submit a refund request at reportaproblem.apple.com. Apple decides each request itself, and we cannot issue a refund — partial or full — on Apple's behalf. If Apple declines a refund, we have no way to reverse that decision — but tell us at support@jiafi.app anyway, because a refused refund usually means something in the product disappointed you and we want to know what.
6.5 Price changes
If we change the price of a plan, the new price applies to your renewals only after the App Store has notified you and, where Apple requires it, obtained your consent. We will never turn a feature you already have for free into an automatic charge without your agreement, and we will never start charging an existing subscriber more without the store's notice reaching you first.
6.6 What happens when a subscription ends
When a paid plan lapses — whether you cancelled it, the payment failed, or the trial ended without converting — your account returns to the free plan. Your data is not deleted, locked, or held to ransom. Every month already in your ledger stays readable and editable, the current month can still be settled, and the full export and the password-protected backup file stay available. What stops is what the paid plan does for you: cloud sync across your devices and on the web (your ledger stays complete on the device you are using), batch market-price updates, the full loan schedule, opening more than three settled months or ten accounts, and the additional family seats.
7. Limitation of liability
7.1 Service availability
We do our utmost to keep the system highly available and running smoothly, but routine maintenance, upgrades or technical circumstances beyond our control may interrupt or alter the service temporarily. We will restore it as quickly as we can.
7.2 Keeping your own backups
Alongside the cloud sync and restore points the system provides, we recommend that you make regular use of the app's built-in export function to keep your own offline backups, so that you retain the fullest possible control over your personal financial data.
7.3 Limitation of damages
To the maximum extent permitted by law, we are not liable for any indirect, incidental or consequential damages arising from your use of, or inability to use, this service (including but not limited to investment losses, lost profits or loss of data).
8. Termination
- You may stop using this service at any time, and request deletion of your account either in the app or by email.
- If a member persistently and seriously breaches these terms, we may suspend or terminate that account's access after giving prior notice, and will provide a means of exporting the data within a reasonable period.
9. Governing law and disputes
These terms are governed by the laws of the Republic of China (Taiwan). For any dispute arising out of these terms or this service, both parties agree that the Taiwan Taipei District Court shall be the court of first instance.
10. Contact us
If you have any question or request relating to these terms, please contact:
legal@jiafi.app