Terms of Service

RR FinMan AI is a personal finance analysis tool that helps you understand your loans, credit cards, and investments. It is built by Raushan Ranjan as an independent product.

RR FinMan AI is NOT a registered financial advisor, bank, SEBI-registered investment advisor, or any kind of regulated financial institution. It does not hold any RBI or SEBI license.

All analysis, health scores, action items, and suggestions provided by RR FinMan AI are for informational and educational purposes only. They do not constitute professional financial, tax, legal, or investment advice.

Please consult a SEBI-registered investment advisor or certified financial planner (CFP) before making significant financial decisions — especially regarding investments, insurance, or large loan commitments.

RR FinMan AI is not liable for any financial outcomes resulting from decisions made based on its analysis.

Financial data you enter (loans, income, debts, credit cards, goals) is stored in your secure account to provide personalized analysis.

• We do NOT sell your data to any third party.
• We do NOT share your financial data with banks, lenders, or advertisers.
• You can delete your account and all associated data at any time by emailing raushanr1107@gmail.com.
• We store data in Supabase (a secure cloud database) with row-level security policies.

Insights, recommendations, and chat responses are generated by Azure OpenAI (GPT-4o), a service operated by Microsoft.

• AI can make mistakes. Always verify important numbers independently.
• We are not liable for decisions made based on AI-generated analysis.
• Microsoft's Azure OpenAI service does not use your data to train AI models (per their enterprise terms).
• Chat messages are not stored permanently — they exist only for the duration of your session.

RR FinMan AI is a beta product under active development.

• We may experience downtime for maintenance or technical issues.
• We are not liable for any losses — financial or otherwise — due to service unavailability.
• Features may change, be added, or be removed without prior notice during the beta period.

We will notify registered users of material changes via email before they take effect. Continued use of RR FinMan AI after notification of changes constitutes acceptance of the updated terms.

We will always maintain a clear “Last updated” date at the top of this page.

For any questions, data requests, or concerns: