Terms of Service

Please read these Terms of Service (“Terms”) carefully before using the website at vegarise.ioor any product offered by Vegarise ( “Vegarise”, “we”, “us”, “our”). By accessing or using our website or products, you agree to be bound by these Terms. If you do not agree, do not use our website or products.

1. Who can use our website and products

You must be at least 16 years old (or the age of digital consent in your country if higher) to use our website or products. By using them, you represent that you meet this requirement. If you are using our products on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

2. The website (vegarise.io)

The Vegarise website is a publicly accessible marketing and informational site. Access to the website is free. We reserve the right to modify, suspend, or discontinue the website (or any part of it) at any time without notice.

2.1 Acceptable use

You agree not to:

• Use the website in any way that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable.
• Attempt to gain unauthorised access to any part of the website or its underlying infrastructure.
• Use automated tools (crawlers, scrapers, bots) to extract content from the website in a way that places unreasonable load on our servers or circumvents technical measures.
• Reproduce, redistribute, or commercialise our content without prior written consent.

3. Finvision iOS app

3.1 License

Subject to these Terms and any additional terms presented in the Apple App Store, Vegarise grants you a limited, non-exclusive, non-transferable, revocable licence to download and use the Finvision application on an Apple device that you own or control, solely for your personal, non-commercial use.

3.2 Free features and paid tiers

Finvision will offer a free core feature set and one or more optional paid Pro tiers. Pricing, feature breakdown, and payment terms will be displayed clearly within the App Store and within the app before any purchase is required. We do not use dark patterns. Paid tiers will not be activated without your explicit action.

3.3 In-app purchases and refunds

All purchases are processed by Apple through the App Store. Refunds are governed by Apple's refund policy. We are unable to issue refunds directly, but we will cooperate fully with any Apple-mediated refund request.

3.4 Your data

All financial data you enter into Finvision is stored on your device and is not transmitted to or accessible by us. You are solely responsible for maintaining backups of your device and data. See our Privacy Policy for full details.

3.5 Penny AI chat

The Penny AI feature sends redacted numeric data to a third-party language-model provider to generate responses. Penny is designed to give helpful financial perspectives and is not a licensed financial adviser. Nothing Penny says constitutes financial, investment, legal, or tax advice. You should consult a qualified professional for such advice.

3.6 Accuracy of calculations

Finvision performs budget calculations based on data you provide. We take care to make these calculations accurate, but we make no warranty that they are free from errors. You are responsible for verifying any figures you rely on for financial decisions.

4. Intellectual property

All content on this website and within our applications — including text, graphics, logos, icons, the Vegarise wordmark, the Finvision name and app icon, and the Penny owl character — is the property of Vegarise or its licensors and is protected by applicable intellectual-property law.

You may not copy, reproduce, modify, create derivative works from, or distribute any of our content without our prior written consent, except as expressly permitted by applicable law (e.g. fair dealing / fair use for commentary, criticism, or news reporting).

5. Third-party services and links

Our website and app may contain links to or integrate with third-party services (including the Apple App Store and AI providers). We are not responsible for the content, availability, or practices of those services. Links do not constitute endorsement.

6. Disclaimer of warranties

To the maximum extent permitted by applicable law, the Vegarise website and all Vegarise products are provided “as is” and “as available” without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or uninterrupted or error-free operation.

We do not warrant that our products will meet your specific requirements, that any errors will be corrected, or that the app or website will be available at any particular time.

7. Limitation of liability

To the maximum extent permitted by applicable law, Vegarise and its founders, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, business, or goodwill — arising out of or related to your use of (or inability to use) our website or products, even if we have been advised of the possibility of such damages.

In jurisdictions that do not allow the exclusion or limitation of certain damages, our liability is limited to the greatest extent permitted by law. In no event shall our total liability to you exceed the amount you paid to us in the twelve months preceding the claim (or, if you have not paid us anything, €50).

8. Indemnification

You agree to indemnify and hold harmless Vegarise and its founders, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your violation of these Terms; (b) your use of our website or products in a manner not permitted by these Terms; or (c) your violation of any third-party rights.

9. Termination

We reserve the right to terminate or suspend your access to our website or products at any time, without notice, if we believe you have violated these Terms or if required to do so by law. You may stop using our products at any time by deleting the app from your device.

10. Governing law and disputes

These Terms are governed by and construed in accordance with the laws of the jurisdiction in which Vegarise is registered (to be specified upon formal incorporation and updated in these Terms). If Vegarise is not yet incorporated in a specific jurisdiction, the laws of the European Union and the law of the country in which you reside shall apply to the extent required by local mandatory consumer-protection rules.

We would much rather resolve any dispute directly and informally. Before initiating any formal legal process, please email us at hello@vegarise.io so we can try to resolve the issue together. If we cannot resolve it within 30 days, either party may pursue their legal remedies.

Nothing in these Terms limits any rights you have as a consumer under the mandatory laws of your country.

11. Changes to these Terms

We may update these Terms from time to time. When we do, we will update the “ Last updated” date at the top of this page. If the changes are material, we will provide a more prominent notice (e.g. a note on the home page or an in-app notification). Your continued use of our website or products after the effective date of any change constitutes acceptance of the new Terms.

12. Entire agreement

These Terms, together with our Privacy Policy and any additional terms presented at the point of purchase, constitute the entire agreement between you and Vegarise regarding our website and products, and supersede any prior agreements.

13. Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

14. Contact

For any questions about these Terms: hello@vegarise.io