Terms of service
Last updated
These terms are an agreement between FinanceMe.lk (“we”) and the company or person that opens a FinanceMe.lk account (“you”). By creating an account you accept them.
The service
FinanceMe.lk is online software for managing loans, borrowers, collections, SMS, accounting and reports. We provide it as a subscription; you do not buy a copy of the software.
Your account
- You must give accurate company details and keep your staff’s sign-in details private.
- You are responsible for what your staff do in your account, and for removing staff who leave.
- You must be legally allowed to carry on your lending business, and you are responsible for following the laws that apply to it, including rules on interest, disclosure, debt collection and data protection.
Your data
Everything you enter belongs to you. You give us permission to store and process it only to provide the service to you. You can export your data at any time while your account is open, and for 90 days after it closes.
You must have a lawful basis for the borrower data you enter, and you must tell borrowers that you use software to manage their loans and send them SMS.
Acceptable use
You must not use FinanceMe.lk to break the law, harass or threaten borrowers, send messages borrowers have not agreed to receive, attempt to access other companies’ data, or interfere with the service.
Free trial
New accounts get a 14-day free trial with every feature. No card is needed. At the end of the trial your account becomes read-only until you choose a plan.
Plans and payment
- Prices are shown on the pricing page in Sri Lankan rupees.
- Subscriptions are paid in advance, monthly or yearly, and renew automatically until you cancel.
- Payments are processed by PayHere. We may also accept bank transfers.
- If you exceed your plan’s limits, you will be asked to move to a larger plan before adding more.
- We may change prices with at least 30 days’ notice by email. The new price applies from your next renewal.
Late payment
If a renewal payment fails, you keep full access for 7 days. After that your account becomes read-only: you can view your records and record borrower payments, but not create new loans or make other changes, until payment is made.
Cancelling
You can cancel at any time from the billing page. Your subscription will not renew, and you keep access until the end of the period you have paid for. See the refund policy.
Availability and support
We work to keep FinanceMe.lk available at all times, but we cannot promise it will never be interrupted, for example during maintenance or because of failures outside our control. We provide support by email on working days.
Our responsibility
We provide the service with reasonable care and skill. To the extent the law allows, we are not liable for indirect losses such as lost profits or lost business, and our total liability in any twelve months is limited to the fees you paid us in that period. Nothing in these terms limits liability that cannot be limited by law.
You remain responsible for your lending decisions, for checking the figures the software produces, and for keeping your own copies of important records.
Suspension and closing
We may suspend an account that breaks these terms or puts the service or other customers at risk, and we will tell you why. You may close your account at any time.
Changes and law
We may update these terms; we will email account owners at least 30 days before a material change. These terms are governed by the laws of Sri Lanka, and the courts of Colombo have jurisdiction.