Last updated: January 07, 2026
These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("you", "user") and the operator of the platform ("we", "us", "our") governing your access to and use of our website and related services (collectively, the "Services").
By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, you must discontinue use immediately.
Contact email: finadviserfinter@gmail.com
Banoy is a personal finance management platform that helps users track income, expenses, and financial obligations, and provides automated insights and recommendations based solely on data entered by users.
The Services are provided for informational and educational purposes only and do not provide financial, investment, tax, or legal advice.
The Services are intended only for individuals who are at least 18 years old. By using the Services, you represent and warrant that you meet this requirement and have legal capacity. If you misrepresent your age, you assume all resulting risks, and we reserve the right to immediately terminate access.
The Services provide informational and analytical tools related to personal finance. No outputs constitute professional advice, recommendations, guarantees, or promises of financial outcomes.
The Services generate automated outputs using algorithms and models based on limited user-provided information. Such outputs do not consider your complete financial situation, objectives, risk tolerance, constraints, or personal circumstances.
You acknowledge that:
You acknowledge that any decisions you make based on the Services are made at your sole discretion and risk. You agree not to rely on the Services as a substitute for professional advice or independent judgment.
We are not licensed financial advisors, brokers, or investment professionals. No fiduciary, advisory, or agency relationship is created between you and us.
Financial decisions inherently involve risk. Use of the Services may involve inaccuracies, delays, or errors due to incomplete data, system limitations, or external factors. We do not guarantee accuracy, completeness, or usefulness of any information or outputs.
You agree that you will not use the Services for unlawful purposes and that all information you provide is accurate and complete to the best of your knowledge.
All content and functionality are owned by us or our licensors and protected by applicable laws. You are granted a limited, non-transferable license for personal, non-commercial use only.
You are responsible for the accuracy of data you submit. Processing of personal data is governed by our Privacy Policy.
We may modify, suspend, or discontinue the Services at any time without liability.
We may terminate or suspend access at our sole discretion without notice.
The Services are provided "AS IS" and "AS AVAILABLE" without warranties of any kind.
To the maximum extent permitted by law, our liability shall not exceed the lesser of (a) the amount paid by you, if any, or (b) USD 100. This limitation applies only to direct damages and does not affect rights that cannot be limited under applicable consumer protection laws.
You agree to indemnify and hold us harmless from any claims arising from your use of the Services or violation of these Terms.
These Terms shall be governed by the laws of the Republic of Uzbekistan.
The parties agree to attempt informal negotiations for 30 days. If unresolved, disputes shall be resolved by binding arbitration seated in Tashkent, Uzbekistan, in the English language, with one arbitrator.
We may update these Terms with prior notice. Continued use of the Services constitutes acceptance of the updated Terms.
For questions or complaints, contact: finadviserfinter@gmail.com
Мы используем файлы cookie для обеспечения работы сайта и улучшения пользовательского опыта. Подробнее см. в разделе Политика использования файлов cookie.