Terms of Service

Last Updated: February 8, 2026

Welcome to VaultSio! These Terms of Service ("Terms") govern your access to and use of the VaultSio mobile application and services. By using VaultSio, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account, downloading, or using VaultSio, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

2. Eligibility

You must meet the following requirements to use VaultSio:

  • Be at least 13 years old (or the age of majority in your jurisdiction)
  • Have the legal capacity to enter into a binding agreement
  • Not be prohibited from using the services under applicable laws
  • Provide accurate and complete information during registration

3. User Accounts

Account Creation

To use certain features, you must create an account. You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your account information
  • Keep your password secure and confidential
  • Notify us immediately of any unauthorized access
  • Accept responsibility for all activities under your account

Account Termination

You may delete your account at any time through the app settings. We reserve the right to suspend or terminate your account if you violate these Terms.

4. Services and Features

Free Services

VaultSio offers basic expense tracking features at no cost, including:

  • Manual transaction entry
  • Basic categorization and budgeting
  • Simple charts and reports
  • Local data storage

Premium Services

Premium features are available through subscription and include:

  • Advanced analytics and insights
  • Cloud sync across devices
  • Unlimited budgets and categories
  • Receipt scanning and OCR
  • Export and backup features
  • Priority customer support

5. Payments and Subscriptions

Subscription Terms

  • Subscriptions are billed in advance on a monthly or annual basis
  • Payments are processed through Apple App Store or Google Play Store
  • Subscriptions automatically renew unless cancelled
  • You can cancel anytime through your app store account settings
  • Cancellations take effect at the end of the current billing period

Refund Policy

All payments are handled by Apple or Google. Refund requests must be submitted directly to the respective app store according to their refund policies.

6. User Responsibilities

You agree to:

  • Use VaultSio only for lawful purposes
  • Not attempt to reverse engineer or hack the app
  • Not use automated tools to access the services
  • Not share your account credentials with others
  • Not upload malicious content or viruses
  • Not violate any applicable laws or regulations
  • Maintain accurate financial records

7. Data and Privacy

Your use of VaultSio is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. Key points:

  • Your financial data is stored locally on your device by default
  • Cloud sync is optional and protected by encryption
  • We do not sell your personal information
  • You can export or delete your data at any time

8. Intellectual Property

All content, features, and functionality of VaultSio are owned by us and protected by copyright, trademark, and other intellectual property laws. You may not:

  • Copy, modify, or distribute our content without permission
  • Use our trademarks or branding without authorization
  • Create derivative works based on VaultSio
  • Remove or alter any copyright or proprietary notices

9. Disclaimers and Limitations

Financial Advice Disclaimer

Important: VaultSio is a tool for tracking expenses and managing personal finances. It does not provide financial, investment, legal, or tax advice. You should consult qualified professionals before making financial decisions.

Accuracy of Data

While we strive for accuracy, we do not guarantee that:

  • The app will be error-free or uninterrupted
  • Calculations and reports will always be accurate
  • Data will never be lost or corrupted

Limitation of Liability

To the maximum extent permitted by law, VaultSio and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including:

  • Lost profits or revenue
  • Data loss or corruption
  • Business interruption
  • Financial losses resulting from app usage

10. Indemnification

You agree to indemnify and hold harmless VaultSio from any claims, damages, losses, or expenses arising from:

  • Your violation of these Terms
  • Your use or misuse of the services
  • Your violation of any third-party rights
  • Any content you submit or transmit

11. Changes to Terms

We may modify these Terms at any time. We will notify you of material changes by:

  • Posting a notice in the app
  • Sending an email to your registered address
  • Requiring acceptance before continued use

Your continued use after changes constitute acceptance of the modified Terms.

12. Termination

We may suspend or terminate your access to VaultSio immediately, without notice, for:

  • Violation of these Terms
  • Fraudulent or illegal activity
  • Actions that harm other users or our services
  • Non-payment of subscription fees

13. Governing Law and Disputes

These Terms are governed by the laws of [Jurisdiction], without regard to conflict of law principles. Any disputes shall be resolved through:

  • Good faith negotiation between the parties
  • Binding arbitration if negotiation fails
  • Courts in [Jurisdiction] for matters not subject to arbitration

14. Contact Information

For questions about these Terms, please contact us:

  • Email: legal@vaultsio.com
  • Website: Contact Form
  • Mail: VaultSio Legal Team, [Address]

By using VaultSio, you acknowledge that you have read and understood these Terms of Service and agree to be bound by them.