Terms of Service

Acceptance of Terms

By accessing or using Vaultric ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not use the Service.

• You must be at least 18 years of age to use Vaultric
• These Terms are governed by the laws of England and Wales
• By creating an account, you confirm that you have read and accept these Terms and our Privacy Policy

Description of Service

Vaultric is a personal finance tracking and planning tool. It provides software for managing your financial information, including:

• Transaction tracking and categorisation
• Budgeting and spending analysis
• Cash flow forecasting and scenario modelling
• Investment and pension portfolio tracking
• Loan and credit management
• Multi-currency support

User Accounts

Account Creation

• A valid email address is required
• We recommend a strong password of 12 or more characters
• You must provide accurate information

Your Responsibilities

• Keep your login credentials secure and confidential
• Do not share your account with others
• Notify us immediately at support@vaultric.com if you suspect unauthorised access
• Log out on shared or public devices

Account Suspension & Termination

• We may suspend your account for: violation of these Terms, fraudulent activity, or abusive behaviour
• You may close your account at any time via Settings → Delete Account
• Upon closure, your data will be deleted within 30 days

Acceptable Use

You May

• Use Vaultric for personal finance tracking and planning
• Track legitimate financial data and transactions
• Export your data at any time

You May Not

• Use Vaultric for illegal activities (including money laundering or tax evasion)
• Abuse, overload, or interfere with our systems
• Attempt to hack, breach, or test the security of our systems
• Scrape data from our service or reverse engineer our software
• Share your account credentials with others
• Use the Service for commercial or business purposes without a business plan
• Input false or misleading data to deceive others

User Content

You own your financial data. By using Vaultric, you grant us a limited licence to:

• Store and process your data to provide the Service
• Display your data back to you within the application
• Use fully anonymised and aggregated data for product improvement

We do not claim ownership of any data you enter into Vaultric. You can export and delete your data at any time through your account settings.

Subscriptions & Payments

Free Plan

A free plan is available to all users with access to core features. See our Pricing page for details on what's included.

Plus Plan

• Priced at £6.99/month or £70/year
• Billed monthly or annually via Stripe
• Automatic renewal unless cancelled
• Cancel at any time — no refunds for partial billing periods

Refund Policy

• 7-day money-back guarantee on your first purchase
• No refunds after the initial 7-day period for monthly plans
• Annual plans: Pro-rated refund available if cancelled within 30 days of purchase

Price Changes

• We may change prices with at least 30 days' notice
• Existing subscribers are grandfathered at their current rate for 12 months

Failed Payments

• A 7-day grace period applies after a failed payment
• After 7 days, your account will be downgraded to the free plan
• Your data is retained for 30 days to allow you to resubscribe

Disclaimers & Limitations

Not Financial Advice

Accuracy

• All calculations, forecasts, and projections are estimates and not guarantees
• You are responsible for verifying the accuracy of information you enter
• We are not liable for errors in calculations based on incorrect input data

Third-Party Services

Vaultric integrates with third-party services (Stripe, Supabase, Vercel). We are not responsible for their availability, downtime, or data handling. Please review their respective terms of service.

Data Loss

While we maintain regular backups and use best-in-class infrastructure, we recommend you regularly export your data. We are not liable for data loss, though we will make every reasonable effort to prevent it.

Limitation of Liability

To the maximum extent permitted by law:

• Vaultric is provided "AS IS" and "AS AVAILABLE" without warranties of any kind
• We are not liable for indirect, consequential, incidental, or punitive damages
• We are not liable for lost profits, lost data, or service interruptions
• We are not liable for errors in calculations or third-party actions
• Our maximum aggregate liability is limited to the amount you have paid us in the preceding 12 months, or £50, whichever is greater

Indemnification

You agree to indemnify, defend, and hold harmless Vaultric, its officers, directors, employees, and agents from and against any claims, damages, or expenses arising from:

• Your violation of these Terms
• Your use or misuse of the Service
• Your violation of any applicable law or regulation
• Your infringement of any third-party rights

Intellectual Property

What Vaultric Owns

• Application design, source code, and architecture
• Trademarks, logos, and branding
• Documentation and marketing materials

You May Not

• Copy, modify, or distribute our proprietary code
• Use our name, logo, or branding without written permission
• Create derivative works based on our service

Some components of Vaultric use open-source software. These components are subject to their respective open-source licences.

Termination

We May Terminate Your Account

• For violation of these Terms
• For illegal use of the Service
• For abusive behaviour toward our team or other users
• With 30 days' notice for any other reason

Effect of Termination

• Access to the Service is revoked immediately
• Your data will be deleted within 30 days
• No refunds will be issued (except as stated in the Subscriptions section)
• Any outstanding fees remain due

Dispute Resolution

• Governing law: These Terms are governed by the laws of England and Wales
• Jurisdiction: The courts of England and Wales have exclusive jurisdiction
• Informal resolution: We encourage you to contact us first to resolve disputes amicably at support@vaultric.com
• Arbitration: Not required — you retain the right to take disputes to court
• Class actions: Your rights under UK law to participate in class actions are not waived

Changes to Terms

We may update these Terms from time to time. When we do:

• You will be notified by email and via an in-app notification at least 30 days before changes take effect
• The "Last updated" date at the top of this page will be revised
• Continued use of Vaultric after changes take effect constitutes acceptance
• If you disagree with updated Terms, you should stop using the Service and close your account

Miscellaneous

• Entire agreement: These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Vaultric
• Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full effect
• No waiver: Our failure to enforce any provision does not constitute a waiver of that right
• Assignment: We may transfer our rights under these Terms to an acquirer; you will be notified
• Force majeure: We are not liable for failures caused by events beyond our reasonable control

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