I get the error message 'The specified file cannot be opened because its schema version appears to be newer' in Fortora Fresh Finance for Mac or Windows.

This occurred because you are trying to open a data file belonging to a newer version of the program than you have. This can happen, for example, when you just upgraded your version of the program, but then accidentally launched an older version. To fix this, please update to the newest version via the Help->Check for Update menu option. Be sure to also remove any older versions of the program from your computer to prevent any further confusion.