These Terms govern your use of VYNTORA Finance (the "Service"), operated by Michael Hernández, 642 Dory Lane, Apt 101, Altamonte Springs, Florida 32714, United States ("we", "us"). When you use the Service you are contracting with Michael Hernández. By creating an account or continuing to use the Service, you agree to these Terms.
1. The Service
VYNTORA Finance is a personal finance app that helps you track income, expenses, budgets, bills, debts and savings goals using data you enter manually or import from CSV files. It includes an AI assistant ("Vyn") that explains your own records. We do not connect to your bank, hold your money, or move funds.
2. Eligibility and accounts
- You must be of legal age to form a binding contract where you live.
- Keep your login credentials confidential; you are responsible for activity under your account.
- Provide accurate information and keep it up to date.
3. Not financial, tax or legal advice
Everything in the Service, including AI responses, summaries, projections and estimates, is for general informational and educational purposes only. It is not financial, investment, tax, accounting or legal advice, and not a recommendation to buy or sell anything. Decisions you make are your own responsibility. Consult a qualified professional for advice about your situation.
4. AI assistant limitations
- AI output can be inaccurate, incomplete or out of date. Verify anything important before relying on it.
- The assistant only uses the records in your account. Estimates and projections are labeled as such and are not guarantees.
- You are responsible for what you enter and how you use the output. Do not enter bank passwords, full card numbers or other credentials.
- Monthly message limits depend on your plan. We may filter, refuse or limit responses, and remove content that breaks these Terms.
- You may not use the assistant to create illegal, harmful, deceptive or infringing content, or try to bypass its safeguards.
5. Subscriptions and billing
VYNTORA Finance offers a free plan and paid plans (Pro and Premium) billed monthly or yearly. Paid plans renew automatically at the end of each billing period at the then-current price until you cancel. You can cancel at any time from Settings; you keep your paid plan until the end of the period you already paid for, and you will not be charged again. Plan upgrades and downgrades take effect immediately and are prorated. Refunds are described in our Refund Policy.
Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, cancellation and refund mechanics are also governed by Paddle's Buyer Terms.
6. Acceptable use
You must not misuse the Service, including by:
- using it for unlawful purposes, fraud or spam;
- infringing anyone's intellectual property or privacy;
- introducing malware, probing or attacking our systems, or scraping the Service;
- reverse engineering, reselling or circumventing technical limits such as usage quotas.
7. Your data and our intellectual property
You own the financial data you enter. You grant us a limited license to store and process it solely to provide the Service. We (and our licensors) own the Service, including its software, design, documentation and branding. We grant you a limited, non-exclusive, non-transferable right to use the Service within your plan.
8. Availability and warranties
We do not guarantee the Service will be uninterrupted or error-free. To the fullest extent permitted by law, the Service is provided "as is", without implied warranties of merchantability or fitness for a particular purpose.
9. Limitation of liability
To the extent permitted by law, we are not liable for indirect, consequential or special damages (such as lost profits or data), and our total liability is limited to the fees you paid us in the 12 months before the claim. Nothing limits liability that cannot be limited by law, such as for fraud.
10. Suspension and termination
We may suspend or end your access for material breach of these Terms, non-payment, security or fraud risk, or repeated or serious policy violations. You can delete your account at any time. When access ends, your data is deleted as described in our Privacy Policy; export your data first using the CSV export.
11. Changes, law and contact
We may update these Terms and will notify you of material changes. These Terms are governed by the laws of State of Florida, United States. Questions: VYNTORAFinance@gmail.com.