Why Fincanva asks you to accept the Terms
Fincanva creates no account, and lets no account into the app, without a recorded acceptance of the current Terms: you give it by continuing on the sign-in page, whose line under the buttons says so, and again, by ticking a box, only when a new version is published.
Steps
- On the sign-in page, read the line under the buttons: "By continuing, you accept Fincanva's Terms and acknowledge the Privacy Policy." Its two links open the Terms and the Privacy Policy in a new tab, so reading them does not lose your place. There is no box to tick.
- Continue the way you prefer — Continue with Google, or Continue with email and the link or 6-digit code it emails you (passwordless sign-in). Pressing either button is the acceptance: for an address with no Fincanva account, it creates the account directly, with no further step. Use email and password only signs in an account that already has a password; it creates none.
- If the "We've updated our terms" screen appears later, tick "I accept the Terms and Privacy Policy." and select Agree and continue.
Done. Fincanva records the date, the version of the Terms you accepted and how you gave it — by continuing on the sign-in page, or by ticking a box — with the date and version taken from Fincanva's own clock and its own current version, never from your browser. After you accept on We've updated our terms you go on into the app, and that screen does not come back until Fincanva publishes a new version of the Terms.
Why do I have to accept the Terms to sign up?
Because Fincanva does not create an account without that acceptance, and the rule is not only on the screen: the server itself refuses to create an account whose request does not carry it. On the sign-in page every button carries it, because the line under them says that continuing accepts the Terms; so pressing Continue with Google or Continue with email is the acceptance, and nothing is ever greyed out waiting for a tick.
The sign-in page is the one page for signing in and for creating an account, and the old sign-up address sends you there. Until you open the emailed link or code, it looks the same whether or not an account exists for the address you typed, so nobody who types your address can learn whether you have one. Anyone who already has an account never sees a Terms step at sign-in.
Product news is a separate question, not part of the Terms: a new account is asked once, on its own page of the welcome that follows, with neither answer picked for it — see notification settings.
What does the "We've updated our terms" screen mean?
That your account has no recorded acceptance of the current Terms — you accepted an earlier version, or no acceptance was ever recorded for it — and Fincanva needs you to accept the current version before you carry on. Every acceptance is stored with the version it was given for, so once Fincanva publishes a new version, the next page you open in the app shows this screen; it happens once per new version.
It reads "Review them and accept to continue.", shows the box "I accept the Terms and Privacy Policy." and Agree and continue. Unlike the sign-in page, this screen asks for an explicit tick. Pressing the button before ticking saves nothing: the box is marked and reads "Please accept the Terms and Privacy Policy to continue." There is no way past it without accepting: every page of the app sends you back to it, and signing out and in again does not skip it, because the check reads the version recorded on your account, not anything stored in your browser.
"Something went wrong. Try again."
Your acceptance was not saved. Press Agree and continue again. If your session expired while the screen was open, Fincanva sends you to the sign-in screen; sign in and We've updated our terms comes back, because the acceptance was never recorded.
Why does the sign-in screen ask me to accept the Terms?
Because signing in with an address, or a Google account, that has no Fincanva account yet creates one, and Fincanva creates none without the acceptance: continuing on the sign-in page gives it. An explicit tick, under Let's create your account, is asked only when a sign-in arrives without it, such as from an older emailed link.
"Let's create your account" after signing in with an emailed link or code
Let's create your account is the fallback for an emailed link or code that carried no acceptance, for an address with no account yet. Check the address shown (type it if the field is empty), tick the box and press Continue: Fincanva creates your account, recorded as accepted by ticking, and signs you in with no second email — opening the link or typing the code already proved the address is yours.
That proof lasts 5 minutes, only in the browser where you opened the link or typed the code, and ends as soon as you press ← Back to sign in or sign in any other way. If it has run out, or you are in another browser, the screen reads "This step has expired or was opened in another browser. Enter your email and we'll send you a new link — it creates your account." and Continue with email sends that new email. If an account was created for the address meanwhile, it reads "You already have an account with this email — sign in to continue." and offers Sign in.
Is there a minimum age to use Fincanva?
Yes: the Terms restrict Fincanva to adults. In the Terms' own words: "Usage of Fincanva and the Service is age restricted: to access and use Fincanva and its Service the User must be an adult under applicable law." There is no separate age checkbox: the requirement lives inside the Terms, so accepting the Terms — by continuing or by ticking the box — accepts it too.
Where do I read the Terms and the Privacy Policy?
On Fincanva's website: the Terms, the Privacy Policy, and the addendum to the Terms. Cookies are a separate consent, with their own banner — see how cookie consent works. A visitor covered by US state privacy law also sees a "Notice at Collection" link under the sign-in page's line and beside the Terms box, explained under Your Privacy Choices and Notice at Collection. What happens to your record of accepting the Terms if you delete your account: account deletion.
UPDATED 2026-10-08REVIEWED 2026-10-08