Terms of Use

WHO WE ARE

Vencee Technologies Ltd ("Vencee", "we") provides the Vencee app. You can reach us at [privacy@your-domain], or by post at [Registered address].

THE SHORT VERSION

• Vencee reads your bank data to show it to you. It can never move your money.
• It helps you see and plan your money. It doesn't give financial, tax or investment advice.
• A subscription renews until you cancel it in the App Store or Google Play.
• You can delete your account, and everything we hold about you, at any time.

USING VENCEE

Who it's for

You must be 18 or over and live in a country where Vencee is offered. Each account is for one person and their own money, including a business they run themselves.

Your account

Give accurate details, and keep your sign-in to yourself. If you think someone else has used your account, tell us at [privacy@your-domain] straight away. You're responsible for what's done with your account.

Your banks

Vencee connects to your banks through Plaid, a regulated provider, only with your permission, and only reads your accounts, balances and transactions. You can disconnect a bank at any time, in Account, then Accounts & banks. Your bank may ask you to confirm the connection again from time to time.

WHAT VENCEE IS, AND ISN'T

Vencee helps you see where your money goes and plan for what's ahead. It doesn't give financial, investment, tax or legal advice, and nothing in it is a recommendation to do anything with your money.

Your figures come from your banks and from what you enter, and can be delayed or incomplete. Your health score, runway, perspectives, wrap-ups and plans are guides, worked out from those figures. Vencee doesn't work out your tax: it plans for the figure you give it.

Check figures that matter with your bank, and take advice from a qualified adviser or accountant before decisions that depend on them.

YOUR SUBSCRIPTION

• Vencee is paid for by subscription, monthly or yearly, through your App Store or Google Play account. The price is shown before you subscribe, in your own currency.
• It renews automatically at the end of each period until you cancel. Cancel in your phone's subscription settings at least a day before it renews.
• There's no free trial: subscribing is what connects your banks.
• If the price changes, Apple or Google tells you before it applies to you, and you can cancel before then.
• If you cancel, your banks are disconnected at the end of the period you've paid for. Your goals and budget are kept until you delete your account.

REFUNDS

Apple and Google take your payment, so refunds are handled by them, under their own policies: ask Apple at reportaproblem.apple.com, or Google through Google Play. This doesn't affect your rights under consumer law.

USING IT FAIRLY

Please don't:

• Use Vencee for anything unlawful, or to mislead anyone.
• Try to reach anyone else's account or data.
• Copy, change, take apart or resell the app, except where the law allows it.
• Interfere with, overload or test the security of our services.
• Collect data from Vencee by automated means.

WHAT'S OURS, AND WHAT'S YOURS

The app, its design, its words and its code belong to us or to those who license them to us. We give you a personal licence to use Vencee on devices you own or control, for as long as your account is open. You can't pass this licence on to anyone else.

Your data is yours. We use it only to provide Vencee to you, as our Privacy Policy explains.

CHANGES TO VENCEE

We keep improving Vencee, and may change, add or remove features. If a change takes away something important you've paid for, we'll tell you first, and you can cancel. We may pause Vencee now and then to keep it running well, and we'll keep those pauses short.

ENDING

You can stop at any time: cancel your subscription, then delete your account in Account, then Personal details.

We may suspend or close an account that breaks these terms or puts other members or Vencee at risk. We'll tell you why, unless the law stops us. If we ever stop offering Vencee, we'll tell you in good time.

OUR RESPONSIBILITY TO YOU

We provide Vencee with reasonable care and skill. If you use it as a consumer, you have rights under the law: digital content must be as described, fit for purpose and of satisfactory quality. Nothing in these terms affects those rights.

We're not responsible for losses that weren't foreseeable when you started using Vencee, for decisions you make based on figures in it, or for mistakes in the data your banks give us. Where the law allows, our total responsibility to you is limited to what you paid for Vencee in the 12 months before the problem.

Nothing in these terms limits our responsibility for death or personal injury caused by our negligence, for fraud, or for anything else the law doesn't allow us to limit.

APPLE AND GOOGLE

If you got Vencee from the App Store, these terms are between you and us, not Apple. We, not Apple, are responsible for Vencee and its content, for its maintenance and support, and for any claims about it, including product liability, meeting legal or regulatory requirements, consumer protection and privacy, and any claim that it infringes someone else's intellectual property. If Vencee doesn't meet a warranty that applies to it, you can tell Apple, and Apple will refund what you paid for it; Apple has no other warranty obligation for it. You may use Vencee on Apple devices you own or control, as the App Store's Usage Rules allow. You confirm that you're not in a country under a US government embargo, or named on a US government list of prohibited or restricted parties. You must also keep to any terms of third parties that apply when you use Vencee, such as your mobile network's. Apple and its subsidiaries are third-party beneficiaries of these terms, and can enforce them against you.

If you got Vencee from Google Play, Google Play's terms also apply to your purchase.

PRIVACY

How we collect and use your data is set out in our Privacy Policy, in Account, then Security & privacy, and on our website.

CHANGES TO THESE TERMS

If we change these terms, we'll update this page and the date at the top. If a change matters to you, we'll tell you in the app first. If you don't agree with it, you can cancel your subscription and delete your account.

THE LAW

These terms are governed by the law of England and Wales. If you live in Scotland or Northern Ireland, you can also bring proceedings there. If you live in the EU, you keep the protection of your own country's consumer law.

If something goes wrong, please write to us at [privacy@your-domain] first: we'll try to put it right.