Terms of Service

1. Acceptance

By using Vaulta, you agree to these Terms of Service. If you do not agree, do not use the app.

2. Service Description

Vaulta is an offline-first vault and personal money-tracking application that helps you store personal information and track your finances securely on your own device. Google Drive encrypted backup/sync is currently in development and coming soon.

3. Penny Flow & Financial Information

Penny Flow is a self-entered money tracker. You enter your own income, expenses, transfers, credit-card activity, recurring items, and savings, and Vaulta calculates balances and summaries from what you record. It does not connect to banks, cards, or payment networks and does not import transactions on your behalf.

Penny Flow is provided for personal tracking only and is not financial, accounting, investment, or tax advice. You are responsible for the accuracy of the data you enter and for any decisions you make based on it.

4. Backup File Security

Local export uses the custom .vaulta format and encrypted payloads. Vaulta may reject unsupported file formats during restore for security and compatibility reasons.

5. Account and Data Responsibility

You are responsible for your device security, PIN/biometric access setup, and safeguarding your Google account if backups are enabled.

You are also responsible for the legality and accuracy of the content and financial records you store in Vaulta, and for keeping your own backups of important data.

6. Subscriptions

Vaulta premium plans and subscription billing are currently in development and coming soon.

Billing and purchase handling may be managed by app stores and related third-party services.

7. No Warranty

Vaulta is provided on an "as is" and "as available" basis without warranties of any kind, to the extent permitted by law.

8. Limitation of Liability

To the maximum extent permitted by law, Vaulta and its maintainers are not liable for indirect, incidental, or consequential damages, including data loss, account compromise, or service interruption.

9. Changes to Terms

These terms may be updated over time. Continued use of Vaulta after updates means you accept the revised terms.