FinBro AI · Last updated 2026-07-24
FinBro AI is a personal-finance calculator and educational assistant. It is not a bank, lender, financing company, or lending agent. We do not offer, arrange, process, or facilitate loans, and no loan application can be made through the app. Any loan information is educational only.
You may use the app for your own personal purposes. You may not use it for fraud, money laundering, or any unlawful activity, and you may not resell or redistribute it.
The figures the app produces — take-home pay, interest, effective rates, totals, projections — are illustrative estimates based on the assumptions you enter and on published rules that change over time. They are not financial, tax, legal, or investment advice, and they are not a quote. Actual terms are set by your employer, your tax authority, or the lender. Verify anything that matters before you act on it. We are not liable for financial loss arising from reliance on the app.
Tax and contribution rules are included as dated data sets and are shown with the date they apply from. Rules change, and we cannot guarantee a set is current or complete for your circumstances.
Optional in-app purchases unlock additional features. They are sold and billed by Apple; refunds are handled under Apple's policy, not ours.
The app may link to educational pages on the web. Any third party you reach from there has its own terms and privacy policy. Before dealing with any lender, confirm that it is licensed and registered with the financial regulator in your country — in the Philippines, that it is registered with the SEC and holds a Certificate of Authority, verifiable at sec.gov.ph. We may receive a commission from third parties for referrals made on the web; this never happens inside the app.
Lending is regulated in most countries, and unfair or abusive debt collection is prohibited. In the Philippines this is governed by the SEC and the Financial Products and Services Consumer Protection Act (RA 11765); report concerns to the SEC.
We may update these terms as the app changes. The date at the top shows when this version took effect.