These terms apply to your use of FNA Pro, an independent software tool created by FINCLOUD.CA ("Creator"). They match the Terms of Use and EULA you accept inside the app. If the wording ever differs, the version you accepted in the app governs.
Independent tool; no institutional endorsement
FNA Pro is an independent software tool created by FINCLOUD.CA to support financial needs analysis. It is not developed, endorsed, reviewed or approved by any insurance company, IMO, MGA, dealer or other affiliated entity, and no endorsement, affiliation or approval by those organizations is implied or expressed. It is provided as a general-purpose planning aid, similar to a calculator or spreadsheet, for licensed professionals to use at their own discretion, "as is" and for informational and illustrative purposes only.
Your responsibility for compliance
You are solely responsible for ensuring your use of this tool complies with the compliance policies, disclosure requirements and supervisory procedures of your licensed firm, IMO or MGA. FNA Pro does not replace, override or satisfy any firm-specific compliance approval process, and you should confirm with your own compliance department whether additional firm disclosures are required.
No advice; no guarantee of results
This tool generates calculations and reports based on information you input. It does not constitute financial, insurance, tax or legal advice, and all output should be reviewed by the licensed professional before use with a client. Projections, calculations and recommendations are estimates based on the inputs provided and do not guarantee future results. The Creator makes no representations as to the accuracy, completeness or suitability of any output for any particular purpose, and shall not be liable for any errors, inaccuracies, losses or damages arising from the use of or reliance on this tool. Use of this application constitutes acceptance of these terms.
License scope
Your access to FNA Pro is licensed to you personally, as a single named advisor, and may not be shared, transferred, sublicensed or used by any other individual, whether or not that individual is at the same agency. Copying, redistributing or reverse engineering the application is strictly prohibited. The Creator monitors for irregular access patterns consistent with unauthorized sharing and reserves the right to suspend or revoke a license found in violation, without refund.
Free trial and subscription billing
New advisors receive a 30-day free trial with full access, starting automatically on first login. Where FNA Pro is offered on a paid subscription basis after that, continued full access requires an active subscription in good standing, billed on a recurring basis until cancelled. Monthly plans can be cancelled at any time. If you cancel an annual plan, you keep access until the end of the paid year, with no further renewal. The Creator may change subscription pricing prospectively with reasonable notice. The Creator is not obligated to provide refunds for partial billing periods except where required by law.
Your client data
FNA Pro is designed so that client financial information you enter is saved only to files on your own device (optionally encrypted with a passphrase only you hold) and is never transmitted to, or stored on, the Creator's servers. Periodic license verification transmits only your authenticated advisor email and license status, never any client data. You, as the advisor, remain solely responsible for the security, backup and any applicable privacy-law compliance (for example PIPEDA) of client data you collect and store using this tool. See our Privacy Policy.
Termination
If your free trial ends or your subscription lapses or is cancelled, FNA Pro drops to view-only mode rather than locking you out entirely: you may still open, view and export client files you have already saved to your own device, but you cannot start a new client or edit and save changes to an existing one until you subscribe (or resubscribe). Those files remain your property at all times and are never deleted, altered or held by the Creator.
Governing law
These terms are governed by the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
Contact
Questions about these terms: support@fincloud.ca.