Terms of Service

This is an agreement between you and [legal entity name, registered address and jurisdiction to be completed], which operates Vector Finance (“Vector”, “we”, “us”). It covers the Vector applications for iPhone and Android, the servers that support them, and this website — together, the “Service”.

Our Privacy Policy forms part of this agreement and explains what we do with your information.

We take durability seriously and we do keep backups, but during the beta you should keep your own copies of anything you cannot afford to lose. If you would like an export of your records at any time, ask us.

We may end the beta, change how it works, or stop offering the Service. If we shut the Service down we will give you reasonable notice and an opportunity to export your data.

You must be at least 18 years old and capable of entering a binding contract. You may not use the Service if we have previously terminated your account, or if doing so would break the law where you are.

You may use the Service for your own personal and household finances. You may not use it to provide bookkeeping, accounting or advisory services to third parties without our written agreement.

Vector is a record-keeping tool. It stores the financial information you enter as double-entry journal entries, derives balances and net worth from those entries, tracks budgets and recurring bills, records investment holdings and their cost basis, and presents analysis of what you have recorded.

Subject to these terms we grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the Service. We reserve every right not expressly granted.

Specifically, and to be unambiguous about it:

• We are not a bank, broker, dealer or investment adviser and are not registered or licensed as any of those. We do not hold your money or your securities.
• The Service executes nothing. It cannot move money, place trades, pay bills or transfer assets. Recording a transaction in Vector changes your records, not your accounts.
• Figures are informational. Net worth, gains, budget pace, tax-relevant summaries and every other calculation are derived from data you entered and prices from third parties. They are not statements of account, and they are not audited.
• It is not a tax filing tool. Any summary that looks useful at tax time is a convenience for you and your accountant, not a return, and it may not match your jurisdiction’s rules.
• Investment risk is yours. Past performance says nothing about future results. Consult a qualified professional before making financial decisions.

You sign in with a one-time link sent to your email, with a passkey, or with Google. There is no password. This means the security of your account depends on the security of your email account and of the devices holding your passkeys.

• Keep your email account secure. Anyone who can read your email can request a sign-in link.
• Keep your devices secure. We recommend turning on the app lock so that biometrics or your device passcode are required.
• Review your signed-in devices in the app and sign out any you do not recognise. Tell us at support@v3ctor.app if you think someone else has access.
• Give us an email address you control, and keep it current.

You are responsible for activity under your account, except to the extent it results from our own failure.

Financial records in Vector belong to a household rather than to an individual. Everyone in a household can see that household’s accounts, balances, transactions, budgets and holdings, including records created before they joined.

By inviting someone to a household, you confirm that you are entitled to share those records with them, and you accept that they will be able to see and change them according to their role. Administrators can add and remove members.

If you are removed from a household, your access ends at once. Records you created remain part of that household’s ledger, because they are its accounting history.

Your financial records are yours. We claim no ownership of them. You grant us only the permission we need to host, process, back up and display them so that we can operate the Service for you, and that permission ends when the data is deleted.

You are responsible for what you put in. The Service will faithfully account for the figures you give it; it cannot know that a figure was wrong. You warrant that you have the right to enter and share the information you provide, including information about other members of your household.

Security prices, fund values and exchange rates come from third-party data providers. That data is provided to us as-is. It may be delayed, incomplete, adjusted after the fact, or simply wrong, and coverage varies by market and instrument.

We do not warrant its accuracy, completeness or timeliness, and it must not be relied on for trading decisions. Valuations shown in the Service are estimates derived from that data and from what you recorded.

Where bank connections are available — currently for households in the United States only — you may choose to connect an account through Plaid Inc. Doing so is optional; the Service works fully without it.

If you use a bank connection, you authorise us and Plaid to access and transmit the account information you have selected from your financial institution, on your behalf. Your use of Plaid is also governed by Plaid’s End User Terms of Use and End User Privacy Policy. Your bank credentials are entered in Plaid’s own flow and are never sent to us.

We do not control your bank or Plaid, and we are not responsible for data they return, for outages on their side, or for a bank’s decision to allow or refuse a connection. You can disconnect at any time.

You agree not to:

• Use the Service for anything unlawful, or to record or facilitate unlawful activity.
• Access another person’s account or household data without their permission.
• Probe, scan, overload or interfere with the Service or its infrastructure, or attempt to bypass any security or rate limit. Good-faith security research reported to privacy@v3ctor.app is welcome and will not be treated as a breach.
• Scrape the Service, use it through automated means beyond our published interfaces, or resell, sublicense or redistribute access to it.
• Reverse engineer, decompile or attempt to derive source code, except where that restriction is unenforceable where you live.
• Redistribute market data obtained through the Service.
• Upload malicious code, or anything that infringes someone else’s rights.

The Service — its software, design, and content other than yours — belongs to us and our licensors and is protected by intellectual property law. These terms grant you no rights in our trade marks.

If you send us feedback or suggestions, we may use them without obligation to you. This does not give us any right to your financial records.

The Service is currently provided free of charge. We have not set pricing and are making no promise that it will remain free indefinitely.

If we introduce fees, we will give you clear notice in advance, and no charge will ever be made without your explicit agreement at that time. Nothing in this agreement authorises us to bill you.

We do not promise the Service will be uninterrupted or error-free, and we offer no uptime commitment during the beta. We may modify, suspend or discontinue features, and we may impose reasonable limits on use.

We may change these terms. If a change is material we will give you notice by email or in the app before it takes effect. Continuing to use the Service after that means you accept the revised terms; if you do not, stop using the Service and ask us to delete your account.

By you

You may stop using the Service at any time. To have your account and data deleted, write to privacy@v3ctor.app from your account email. There is not yet a delete button in the app.

By us

We may suspend or terminate your access if you materially breach these terms, if your use puts the Service or other users at risk, or if we are required to by law. Except where the breach is serious or where the law prevents it, we will give you notice and a chance to put it right first.

What happens to your data

On termination we will, on request, provide an export of your financial records, and then delete your account and its data as described in the Privacy Policy. Records belonging to a household with other members remain with that household.

Sections 8, 12, 16, 17, 18 and 19 survive termination.

The Service is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty as to the accuracy, completeness or reliability of any calculation, valuation or third-party data presented in the Service.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is the case, this section applies to the maximum extent permitted, and nothing in these terms removes rights you have as a consumer that cannot be waived.

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages, nor for loss of profits, revenue, goodwill, or data, however caused.

In particular, we are not liable for financial losses arising from decisions you made using the Service, from inaccurate or delayed market data, or from figures that were wrong because of what was entered.

Our total aggregate liability arising out of or relating to the Service is limited to the greater of the amount you paid us in the twelve months before the claim — which, while the Service is free, is nothing — or [cap amount to be set with counsel, e.g. USD 100].

Nothing here limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be limited.

You agree to indemnify us against claims, losses and reasonable costs arising from your misuse of the Service, your breach of these terms, or your infringement of someone else’s rights — including a claim by another person about data you entered or shared about them. This does not apply to the extent the claim arises from our own breach or negligence.

If you have a problem, please contact us first at support@v3ctor.app. Most things are resolved faster that way than through any formal process.

If you are a consumer, you keep the protection of the mandatory laws of the country where you live, and you may bring proceedings there. Nothing in these terms takes that away.

• Entire agreement. These terms and the Privacy Policy are the whole agreement between us about the Service.
• Severability. If a provision is unenforceable, the rest stands.
• No waiver. Not enforcing a term once does not waive it.
• Assignment. You may not assign this agreement. We may assign it to a successor in connection with a merger, acquisition or sale of assets.
• Force majeure. Neither of us is liable for failures caused by events genuinely outside our reasonable control.
• No third-party beneficiaries. This agreement is between you and us.

Questions about these terms: support@v3ctor.app

Privacy requests: privacy@v3ctor.app

Registered address: [to be completed with the operating entity]