Terms of Service

Effective Date: March 1, 2026

FREN is an independent financial mindfulness tool, not a bank. Please read these terms to understand your rights and responsibilities when using our platform.

1. Acceptance of Terms

By downloading, accessing, or using the FREN mobile application and related services (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

These Terms constitute a legally binding agreement between you and FREN ("we," "our," or "us").

2. Eligibility

You must be at least 13 years old to use the Service. By agreeing to these Terms, you represent and warrant that:

  • You are at least 13 years of age.
  • If you are between 13 and 18 years of age, you have the consent of your parent or legal guardian to use the Service.
  • You have not previously been suspended or removed from the Service.
  • Your registration and use of the Service comply with all applicable laws and regulations.

3. Nature of the Service

FREN provides tools to track your manual entries of spending desires, apply arbitrary "cooling periods," and gamify financial mindfulness through points (XP) and leaderboards.

3.1 Not a Financial Institution

FREN is not a bank, credit union, financial planner, broker, or investment advisor. The Service does not connect to your real bank accounts, does not hold or transfer real money, and does not execute real-world transactions. The "savings" you track in the app are purely manual representations of money you decided not to spend; FREN does not manage these funds.

3.2 No Financial Advice

None of the information provided by the Service, including the calculation of "hourly life energy" or tips provided by daily quests, constitutes financial, legal, or tax advice. You are solely responsible for your real-world financial decisions.

4. User Accounts

To use certain features of the Service, you must register for an account using an email/password combination or Google Sign-In.

4.1 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

4.2 Information Accuracy

The Service relies on the financial data (income, expenses, item prices) you manually input. FREN is not responsible for any inaccurate tracking or gamification results resulting from incorrect data entry on your part.

5. Gamification and Virtual Currency

The Service employs gamification mechanics including "Experience Points" (XP), Levels, and "Streak Shields."

  • No Real-World Value: XP, Levels, Streak Shields, and any other virtual items earned within the Service have no real-world monetary value. They cannot be exchanged, sold, or transferred for fiat currency, cryptocurrencies, or physical goods outside of the app.
  • Subject to Change: FREN reserves the right to modify the gamification algorithms, adjust the value of XP, change level requirements, or reset leaderboards at any time without notice.

6. Acceptable Use Policy

When using the Service, you agree not to:

  • Use the Service for any illegal purpose or in violation of any local, state, national, or international law.
  • Violate or encourage others to violate any right of a third party, including intellectual property rights.
  • Use offensive, discriminatory, or inappropriate language for your Display Name, which is visible on the public leaderboard.
  • Attempt to interfere with the proper functioning of the Service, including bypassing security measures, reverse-engineering the app, or exploiting bugs to artificially inflate your XP or leaderboard ranking.
  • Use automated scripts, bots, or scrapers to access the Service or extract data.
  • Harass, threaten, or intimidate other users through the friends system or any other community feature.

If you violate any of these rules, FREN reserves the right to immediately suspend or terminate your account without notice.

7. Intellectual Property

The Service, including its design, architecture, gamification logic, code, and logo (the "FREN marks"), are owned by FREN and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the FREN app for your personal, non-commercial use on a mobile device that you own or control, strictly in accordance with these Terms.

You may not copy, modify, distribute, sell, or lease any part of our Service or included software.

8. Third-Party Services

The Service may contain links to third-party websites or services (e.g., links to stores where you found an item you want to buy). FREN is not responsible for the content, accuracy, or opinions expressed on such third-party services. FREN does not endorse or earn affiliate commissions from the specific items you manually log in your Cooldown Cart.

Your authentication via Google Sign-In is subject to Google's Terms of Service and Privacy Policy.

9. Disclaimers and Limitations of Liability

9.1 "As Is" Basis

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. FREN expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

9.2 No Guaranteed Uptime

We do not warrant that the Service will be uninterrupted, timely, secure, or error-free. We may temporarily suspend the Service for maintenance or updates without prior notice.

9.3 Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall FREN, its affiliates, directors, employees, or agents be liable for any indirect, punitive, incidental, special, consequential, or exemplary damages, including without limitation damages for loss of profits, goodwill, use, data, or other intangible losses, arising out of or relating to the use of, or inability to use, the Service.

Under no circumstances will FREN be responsible for your real-world financial losses or adverse financial decisions made while using or relying on the Service.

10. Termination

You may terminate your account at any time by using the "Delete Account" feature in the app's Settings.

We may terminate or suspend your account and bar access to the Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of the Terms.

Upon termination, your right to use the Service will immediately cease. All provisions of the Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which the developer resides, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use the Service.

13. Contact Information

If you have any questions about these Terms, please contact us:

Legal Inquiries legal@frenapp.io