Terms of Service

Last Updated: September 17, 2026

Notice Regarding Dispute Resolution

These Terms contain dispute resolution and arbitration provisions under the laws of the Hong Kong Special Administrative Region. Please read Section 9 carefully. It requires disputes to be resolved on an individual basis through informal negotiation and binding arbitration administered by the Hong Kong International Arbitration Centre (HKIAC), or through competent courts in Hong Kong.

1.Introduction and Acceptance of Terms

These Terms of Service (the “Agreement”) constitute a legally binding contract between you (“User,” “you,” or “your”) and Aurora Finance (“aurorafinance.app,” “we,” “us,” or “our”), operated from the Hong Kong Special Administrative Region (“Hong Kong”). This Agreement governs your access to and use of our website, mobile applications, and all associated financial management tools and AI-powered services (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. Your continued use of the Services signifies your acceptance of these Terms in their entirety.

2.Eligibility and Account Registration

Eligibility. To use the Services, you must be at least 18 years of age and possess the legal capacity to form a binding contract under applicable law.

Registration and Account Security. You must provide accurate, current, and complete information (including a valid email address) during registration. You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized access or security incident.

Aurora Finance reserves the right to suspend or terminate accounts that contain fraudulent or inaccurate information, or that violate these Terms.

3.Description of Services, Subscriptions & AI Features

Aurora Finance provides multi-currency personal finance management (“PFM”) tools that allow you to track accounts, plan budgets, record transactions, and analyze financial health across multiple currencies and jurisdictions.

3.1 Subscriptions, Billing, and Renewals. Certain features and tiers (such as Premium or Premium+) are offered on a paid subscription basis. Subscriptions purchased through mobile app marketplaces (Apple App Store or Google Play Store) are billed, renewed, and managed directly through your Apple ID or Google Play account in accordance with their respective marketplace terms. Web-based subscriptions are processed through Stripe, Inc. Subscriptions automatically renew at the end of each billing term unless cancelled prior to the renewal date.

3.2 AI & Agent Services. User Responsibility: You are solely responsible for all instructions, financial decisions, and budget configurations you make. AI features are powered by algorithmic models provided solely for organizational and personal productivity convenience.

No Financial, Tax, or Legal Advice: AI-generated outputs, budget pacing indicators, and transaction classifications are for informational purposes and do not constitute licensed financial, investment, legal, or tax advice. Aurora Finance does not warrant that AI outputs will be error-free, accurate, or suitable for your specific circumstances.
Feature Changes: We reserve the right to modify, suspend, or discontinue any AI-powered feature or model integration at any time without prior liability.

4.User-Managed Financial Data and Statement Imports

Aurora Finance operates on a direct, user-managed data model designed to preserve your financial privacy and data autonomy.

4.1 Direct Entry and File Imports. You maintain your accounts, transactions, and budgets through direct manual entry or by uploading financial data files (such as CSV spreadsheets or exported bank statement files) directly to your ledger.

4.2 No Bank Aggregation or Account Access. Aurora Finance does NOT connect directly to your financial institution accounts through third-party bank API aggregators (such as Plaid, Lean Technologies, or MX). We do NOT request, collect, scrape, or store your online banking usernames, passwords, security tokens, or PINs. You must never share or enter bank login credentials into Aurora Finance.

4.3 No Power of Attorney. Aurora Finance does NOT act as your attorney-in-fact, legal agent, or representative with respect to any banking or financial institution. We do not initiate financial transactions, negotiate bills, or interact directly with financial institutions on your behalf.

4.4 Data Ownership and Accuracy. You retain full ownership of all transaction records, budgets, and files you upload or input into the Services. You represent and warrant that you have the lawful right to import any files you upload and are solely responsible for verifying the accuracy and completeness of your financial data.

4.5 Software Provider Status. Aurora Finance is strictly a technology and software provider. We are not a bank, depository institution, money services business, credit reporting agency, or financial adviser. The Services do not constitute banking, credit reporting, or financial advisory services.

5.Technical Infrastructure and Third-Party Partners

Aurora Finance maintains modern, enterprise-grade cloud architecture to ensure security, availability, and data protection:

Data Hosting: Securely hosted in Amazon Web Services (AWS) data centers located in Singapore (Asia Pacific ap-southeast-1 region), featuring encrypted multi-tenant database isolation, regular automated backups, and network defense.
Payment Processing: Subscriptions and billing are handled securely by Apple Inc. (App Store In-App Purchases), Google LLC (Google Play Billing), and Stripe, Inc. Aurora Finance does not store complete credit or debit card numbers on its servers.
Independent Architecture: Our platform operates without third-party bank API aggregation networks, keeping your financial records isolated to your account.

6.Regional Compliance

6.1 Hong Kong. Aurora Finance is operated under the laws of the Hong Kong Special Administrative Region. We comply with applicable Hong Kong commercial, consumer protection, and privacy laws (including the Personal Data (Privacy) Ordinance, Cap. 486).

6.2 International Access. The Services are operated from Hong Kong with infrastructure in Singapore. If you choose to access the Services from other countries or territories, you do so on your own initiative and are responsible for compliance with applicable local laws governing consumer software and internet use.

7.User Conduct and Prohibited Uses

You are granted a personal, non-transferable right to use the Services for lawful purposes only.

Prohibited Activities

Extraction: You shall not use any "robot," "spider," "scraper," or automated gathering tool to crawl or monitor the Services.
Reverse Engineering: You shall not reverse assemble, decompile, or otherwise attempt to discover the source code, algorithms, or model weights of our AI Services.
ML Training: You are strictly prohibited from using the Services or their outputs to develop or train any competitive machine learning or artificial intelligence models.
Interference: You shall not transmit any viruses, logic bombs, or code intended to damage or surreptitiously intercept data.

8.Disclaimers and Limitation of Liability

8.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS. AURORA FINANCE AND ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES OR THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, AURORA FINANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES. AURORA FINANCE'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SERVICES SHALL BE LIMITED TO THE GREATER OF (I) $100.00 USD (OR HKD EQUIVALENT) OR (II) THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE PRECEDING 12 MONTHS. SUBJECT TO APPLICABLE LOCAL LAW WHICH MAY NOT BE WAIVED, THESE LIMITATIONS APPLY TO ALL CLAIMS REGARDLESS OF THE FORM OF ACTION.

9.Governing Law and Dispute Resolution

9.1 Governing Law. This Agreement, and any dispute, controversy, difference, or claim arising out of or relating to it, shall be governed by and construed in accordance with the laws of the Hong Kong Special Administrative Region (HKSAR), without regard to its conflict of law principles.

9.2 Informal Dispute Resolution. Before commencing formal legal proceedings, you and Aurora Finance agree to endeavor to resolve any dispute informally in good faith. You must submit a written notice of dispute describing your claim to [email protected]. The parties agree to engage in informal discussions for a period of 30 days following receipt before commencing arbitration.

9.3 Binding Arbitration. If a dispute is not resolved through informal negotiations within 30 days, it shall be referred to and finally resolved by binding arbitration administered by the Hong Kong International Arbitration Centre (HKIAC) under the HKIAC Administered Arbitration Rules in force when the Notice of Arbitration is submitted.

The law of this arbitration clause shall be Hong Kong law.
The seat of arbitration shall be Hong Kong.
The number of arbitrators shall be one, appointed in accordance with the HKIAC Rules.
The arbitration proceedings shall be conducted in the English language.

9.4 Judicial Recourse. To the extent arbitration is determined not to apply by a court of competent jurisdiction, both parties irrevocably submit to the non-exclusive jurisdiction of the courts of the Hong Kong Special Administrative Region.

9.5 Class Action Waiver

ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU EXPRESSLY WAIVE ANY RIGHT TO COMMENCE OR PARTICIPATE IN ANY CLASS ACTION, CLASS-WIDE ARBITRATION, OR REPRESENTATIVE PROCEEDING AGAINST AURORA FINANCE.

10.Modifications and Termination

Modifications. We reserve the right to modify these Terms, subscription offerings, or service fees at any time. We will provide notice of material revisions by updating the “Last Updated” date or posting an in-app announcement. Continued use of the Services following notice constitutes acceptance of the revised Terms.

Termination by You. You may terminate your account at any time through the in-app settings (Settings → Export data → Delete account) or by emailing [email protected]. Upon account termination, your stored financial data will be scheduled for permanent deletion in accordance with our Privacy Policy. For subscription cancellations, you are responsible for turning off recurring billing through your Apple ID, Google Play, or Stripe account settings.

Termination by Us. Aurora Finance may suspend or terminate your access to the Services immediately, without prior notice, in the event of any material breach of these Terms, unlawful conduct, or abusive activity.

11.Contact Information

For support, billing inquiries, or legal notices, contact us through the following channels:

Channel	Detail
Operating Entity	Aurora Finance (Hong Kong)
Website	aurorafinance.app
Support Email	[email protected]
Legal Inquiries	[email protected]