[dkzlv]

Oh, yeah, thanks, but those should not be applied to us. Probably.

> For the purposes of this policy, we consider financial products and services to be those related to the management or investment of money and cryptocurrencies, including personalised advice

We don't do anything of this kind. We're basically an excel spreadsheet with your expenses, no "money" actually involved here.

[dogma1138]

Yes they should you are asking people to submit their financial information, you fall under the financial services category.

You literally have a service for money management that also according to you provides an “advice”.

*Planning and budgeting

This would be considered financial advice under UK law for example.

You are running a weird looking service from Russia, stating that it falls under Russian law, no contact details no business registration info.

The name is dodgy as hell, and overall it looks to be more like sage books for a small scale illicit operation than a budget planning app for Grandma.

There are plenty legitimate budget apps out most of them rely on open banking standard rather than CSV/OFX import or manual entry.

Pretty much nothing here seems to be useful to the average user, however if I ever decide to start selling dirty bombs (hi NSA…) on the black market and I need to run my books somewhere I might give it a go.