Terms of Service

1. The Service

Vaulta is a personal finance tracking tool. You manually record asset values, snapshots, and investments. The Service does not connect to banks, does not execute transactions, and does not provide financial, legal, or tax advice.

2. Account

• You must be at least 16 years old to create an account.
• Provide accurate information and keep your credentials secret.
• You are responsible for all activity under your account.
• You are responsible for keeping your account credentials secure. Snapshot values are stored by the Service so they can be displayed, exported, and processed for your account.

3. Acceptable Use

You agree not to:

• Access or use the Service in violation of any law.
• Reverse engineer, scrape, or overload the Service.
• Upload content that infringes third-party rights or contains malware.
• Use the Service to store data for persons other than yourself.
• Attempt to bypass authentication, rate limits, or quotas.

4. Your Content

You retain all rights to the data you enter. You grant us a limited licence to process it solely to provide the Service. We do not sell, share, or use your data for advertising.

5. No Financial Advice

Vaulta displays information you provide, plus public reference data (stock prices, exchange rates) on an "as is" basis. Nothing in the Service is financial, investment, legal, or tax advice. Decisions you make based on information shown in Vaulta are your sole responsibility.

6. Availability

We aim to keep the Service available but do not guarantee uninterrupted operation. We may perform maintenance, change features, or suspend the Service when necessary for security or operational reasons.

7. Fees

The Service may offer free and paid plans. Pricing is shown at the point of subscription. Fees are non-refundable except where required by law.

8. Termination

You may delete your account at any time from Settings. We may suspend or terminate accounts that violate these Terms, with notice when reasonably possible. Upon termination, your personal data is deleted as described in the Privacy Policy.

9. Disclaimer

The Service is provided "as is" without warranties of any kind, whether express or implied, including merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law.

10. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, consequential, or special damages, or for loss of profits, revenue, or data. Nothing in these Terms limits liability that cannot be excluded under mandatory law (e.g. consumer rights in the EU).

11. Changes

We may update these Terms. Material changes will be announced via email or in-app notice at least 14 days before taking effect. Continued use after the effective date constitutes acceptance.

12. Governing Law

These Terms are governed by the laws of Italy. EU consumers retain the rights granted by their local mandatory consumer protection law. Disputes may be submitted to the courts of the user's habitual residence or, where applicable, to the European Online Dispute Resolution platform.

13. Contact

Questions about these Terms: [email protected].