Subscription
Finza offers Pro, Couple and Family monthly plans. Couple covers two people and Family covers up to five people including the owner, with private personal spaces and one shared space. Current pricing and any payment-method fees are disclosed before checkout. There is no free trial or automatic renewal.
Changing plans
Upgrades to the next tier charge the prorated price difference and keep the period end. Family members can schedule either Couple or Pro, while Couple can schedule Pro. Downgrades take effect after the current period ends and can be cancelled before then. The next period requires payment at the scheduled tier. Joining a shared plan does not refund or extend an existing Pro period. Expired accounts retain reading and export access.
Account access
Google-only sign-ins must create a password before using Finza so the account can also be recovered through email sign-in. Email/password users may link a Google account from Settings. Linking does not create a second Finza account or change the account owner.
Fair use
For fair use, each user can send up to 3 Analyzer/Advisor chat messages per minute and 30 per day, with one AI chat request processed at a time. Chat input is limited to 1,600 characters and AI responses are kept concise. Transaction text remains limited to 10 submissions per minute, uploads to 2 per minute, 10 MB and five PDF pages. Temporary provider or capacity limits may delay AI; manual tracking remains available for active subscribers. These limits also apply individually to Family members.
Records & suggestions
You review every AI draft and confirm payment sources before posting. Loan statements, interest and fees are user-entered; Finza does not replace your lender’s records. The Financial Health Score is an internal heuristic, not a credit score. AI offers suggestions and cannot transfer funds, pay lenders, or change your data.
Payment issues
Payment activation requires server verification. Duplicate or mismatched payments are held for operator review. Downgrades do not automatically refund remaining time. Refund and dispute handling, operator contact details, and tax presentation must be finalized before paid launch.