Terms of Service

1. Who we are

Valunto is provided by Valunto OÜ, a private limited company registered in the Estonian Commercial Register under registry code 17624319.

2. What Valunto is

Valunto is a personal finance app for people whose money lives in more than one currency. You record your assets, debts, transactions, budgets and goals yourself, by typing them or by importing a file you choose, alone or with your household, and Valunto keeps them organised and shows you totals, trends and projections across currencies.

Valunto never connects to a bank, a card, a broker, an exchange or any other account of yours, and it never asks for their credentials. Whatever is in Valunto is there because you or a member of your household entered it or confirmed it from a file you imported.

3. Your account

Eligibility. You must be at least 18 years old.

One person, one account. Register with your own name and a working email address, and keep them up to date. You may not register on behalf of someone else, share your credentials, or let anyone else use your account.

Your password. Choose a strong password and keep it to yourself. You are responsible for everything done through your account until you tell us it has been compromised. You can see and end your active sessions from the security page at any time.

Email verification. We send a verification link when you register. You can use Valunto as usual for 7 days without it. After that your account is paused until you confirm the address; the app and an email tell you so, and you can still export or delete your data. An account that stays paused for 30 days is deleted with its data, unless it belongs to a household with other members. An account that never verifies, is not in use and holds nothing you entered is deleted after 7 days.

Registration is on the website. Accounts are created on the website. The mobile app is for existing accounts and does not create them. A plan is bought on the website or, in the iPhone app, through the App Store (section 6).

4. Households

You can create a household and invite others by email. Each person joins with a role, and the roles decide what they can see and change:

• Owner: manages the household, its members and their roles, and sees what the household shares, like every other member.
• Member: can see and edit the household's shared data.
• Viewer: can see shared data and cannot change it.

When you invite someone, you confirm that you may give us their email address. When you share records with a household, you accept that its members will see them according to their role. Any record can be marked as private; a private record is seen by its holder alone, whatever the other members' roles. What each member can see is explained in the app; if you are not sure, mark it private.

Leaving or dissolving a household, and what happens to shared records when a member deletes their account, is explained in the app at the moment you do it.

5. Not financial advice

Valunto shows you numbers derived from what you enter: net worth, cash flow, budget balances, goal progress, projections, and the results of planning calculators (retirement, mortgage, debt payoff, inflation, and others). These are estimates for your own information. They are not financial, investment, tax, accounting or legal advice, and they are not a recommendation to buy, sell or hold anything. Before you make a decision that matters, check the numbers and, where appropriate, talk to a professional.

Exchange rates are indicative. We obtain them from public sources (the European Central Bank reference rates via Frankfurter and, for digital assets, CoinGecko), refresh them periodically, and show the date of each snapshot. They are not the rates a bank, exchange or broker would give you, and they must not be relied on for trading.

Accuracy is yours. Because every figure is entered or confirmed by you, Valunto is only as accurate as what you add. We do not check your figures.

6. Subscription and payment

What is paid. Valunto is a paid service: every part of it, on the website and in the mobile app, requires a plan. The plans, their prices and what each one includes are shown where you subscribe: on the pricing page, or in the iPhone app. There is no free trial. Plans are bought on the website or, in the iPhone app, through the App Store.

Who sells it. A plan bought on the website is sold to you by Link, a Stripe company (Sold through Link, LLC), as merchant of record: Link takes the payment, charges the tax that applies where you live, and emails your receipts. The purchase is also governed by the Sold Through Link Terms (https://link.com/terms#sold-through-link-terms), and questions about a payment can go to Link's support (https://support.link.com/topics/sold-through-link). Your card statement reads LINK.COM* VALUNTO. We never see or store your card details.

Plans bought in the iPhone app. In the iPhone app, a plan is sold to you by Apple through the App Store, at the price the App Store shows, and the purchase is governed by Apple's terms (https://www.apple.com/legal/internet-services/itunes/). Apple takes the payment from your Apple Account, charges the tax that applies and sends your receipts; we never see your payment details. The rest of this section applies to it, with these differences. It renews unless you turn renewal off in your Apple Account's subscriptions at least 24 hours before the period ends, and that is where you cancel it. If a renewal payment fails, your account stays open for 16 days while you fix it with Apple. Refunds, including withdrawing within 14 days where the law gives you that right, are asked of Apple (https://reportaproblem.apple.com) and follow Apple's policy: the money back and "Withdraw from contract here" below are for plans bought on the website. Only you can stop a plan Apple bills: if you join a household whose plan covers you, your own plan keeps renewing until you cancel it; if you pay for a household and leave it, your plan keeps covering that household for as long as it renews. To delete your account, turn its renewal off first.

What a plan covers. A plan covers a household. Individual covers one person with no one else in their household; Household covers up to 5 people, pending invitations included. The person who subscribes pays for the plan and keeps it, whatever their role in the household. Everyone a plan covers uses Valunto without paying while it lasts. Each plan includes 4 files a month read with AI for each person.

Joining and leaving a household. If you join a household whose plan covers you, your own plan ends at the end of the period you have paid for; nothing is refunded and nothing is charged twice. If you leave a household or are removed from it, no plan covers your account from that moment, and it is locked until you choose a plan of your own. If the person who pays leaves or is removed, their plan is cancelled at the end of the period paid for, and the household and that person stay covered until then.

Top-ups. Past the files a plan includes, a file read with AI is paid from a prepaid balance you top up on the website. Before a file is read, Valunto shows the most it can cost. The price depends on how much there is to read in the file, never goes over that amount, and is taken from the balance after the file has been read. A read that fails on our side costs nothing and doesn't count; a file our AI provider reads but finds nothing usable in counts and costs like any other. The balance can be used only while a plan covers your account. It is kept while the account is locked, and when the account is deleted, what is left is refunded to the card it came from, newest top-up first.

Renewal and cancellation. A plan renews automatically at the end of each period, monthly or yearly, until it is cancelled. You can cancel at any time from Settings, or from Link's site, and you keep Valunto until the end of the period you have paid for; nothing more is charged after that. If a renewal payment fails, it is retried and your account stays open for 14 days while you fix it.

Money back. Your first payment on an account is refunded in full if you ask within 30 days of it, whether you pay monthly or yearly. This applies once per account; later payments, renewals included, are refunded only where the law requires it. The unused part of a top-up is refunded if you ask within 14 days of buying it; files already read are not.

Withdrawal. If you are a consumer in the European Union or the United Kingdom, the law gives you 14 days from subscribing to withdraw from the contract without giving a reason. The money back covers those 14 days and more, applies wherever you live, and charges nothing for the days you used Valunto. To withdraw, use "Withdraw from contract here" in Settings during the first 30 days, or write to contact@valunto.com. The refund goes to the card you paid with within 14 days, and your subscription ends that day.

Without a plan. An account no plan covers is locked, on the website and in the mobile app: at the end of a cancelled period, 14 days after a renewal payment fails and is not fixed, when its payment is refunded, or when it leaves a household whose plan covered it. A locked account can be signed into only to choose a plan, export its data or delete it.

Deletion. An account that stays locked for 90 days is deleted with its data, as if you had deleted it yourself (section 10). We email you on the day it is locked, 30 days and 7 days before it is deleted, and once it has been.

Price changes. We will tell you at least 30 days before a new price applies to your plan. If you do not agree, cancel before it applies.

7. Your data

Everything you enter belongs to you. You give us only the permission we need to store it, show it to you and to the household members you choose, process it for the features you use, and back it up. We do not use your data for advertising, do not sell it, and do not use it to train anything. Our Privacy Policy explains what we collect and why.

You can export your data at any time (CSV for transactions, JSON for everything) and delete it, in whole or just the financial part, from Settings.

Keep your own copy of anything you cannot afford to lose. We back up our systems, but exports are the only copy under your control.

8. Acceptable use

Use Valunto for its purpose: managing your own and your household's finances. Do not:

• use it for anything unlawful, or to store data you have no right to hold;
• try to access other people's accounts or data, or probe, scan or overload our systems;
• copy, resell, scrape or make the Service available to others as a service of your own;
• reverse-engineer the app except where the law allows it regardless of this clause;
• send us content that is abusive or that infringes someone else's rights, including through support requests.

We may suspend or close an account that breaks these rules. Where we can, we will warn you first.

9. Availability and changes to the Service

We work to keep Valunto available and to fix problems quickly, but we do not promise uninterrupted service. We may change, add or remove features, and we may take the Service down for maintenance. If we remove a feature you rely on, or discontinue the Service, we will tell you in advance and give you time to export your data.

10. Ending the agreement

By you. Delete your account from Settings at any time. Your data is removed as described in the Privacy Policy. If you pay for a plan, deleting your account ends it at once, without a refund for the rest of the period; while your plan covers others, leave the household first. If Apple bills your plan, turn its renewal off in your Apple Account first.

By us. We may close your account if you break these terms, if the law requires it, if it stays locked without a subscription for 90 days (section 6), or if we discontinue the Service. Except where you have broken the terms, we will tell you before we do and give you time to export.

Sections 5, 7, 11 and 12 continue to apply after the agreement ends.

11. Our responsibility

We provide Valunto with reasonable care and skill, and we are responsible for damage we cause deliberately or through gross negligence, and for anything the law does not allow us to exclude. Nothing here limits our liability for death or personal injury, for fraud, or for your statutory rights as a consumer.

Beyond that, and to the extent the law allows, we are not responsible for:

• decisions you make based on the numbers Valunto shows you (see section 5);
• inaccurate data you or your household entered;
• loss of data you did not export, where the loss is not our fault;
• indirect losses, such as lost profits or savings;
• anything caused by circumstances outside our reasonable control.

Where the law allows us to cap our liability, our total liability to you for any claim is limited to the amount you paid for the Service in the twelve months before the event that gave rise to it.

12. Governing law and disputes

These terms are governed by the law of Estonia. If you are a consumer, this does not take away the protection of the mandatory law of the country where you live, and you may bring a claim in the courts of that country.

If you have a problem, write to contact@valunto.com first. We will try to resolve it with you directly.

13. Changes to these terms

We may update these terms. When we do, we will change the date at the top and, for changes that affect your rights or how you use the Service, tell you by email or inside the app at least 30 days before they take effect. If you do not accept a change, you can close your account before it applies. Continuing to use the Service after that date means you accept the new terms.

14. Other things

Language. These terms are published in English, Spanish and Portuguese. The English version governs if the versions differ.

Entire agreement. These terms and the Privacy Policy are the whole agreement between you and us about the Service. The purchase of a plan is also governed by Link's terms or, in the iPhone app, Apple's (section 6).

Severability. If part of these terms turns out to be invalid, the rest still applies.

Contact. Valunto OÜ (registry code 17624319), Ahtri tn 12, 15551 Tallinn, Estonia, contact@valunto.com.