Last updated: March 27, 2026
Welcome to VitaFlow, a personal finance tracking application. These Terms and Conditions outline the rules and regulations for using our offline-first mobile app and optional cloud services.
1. Acceptance of Terms
By downloading, installing, or using VitaFlow, you agree to be bound by these Terms and Conditions. If you do not agree to these terms, please do not use the application. We reserve the right to update these terms at any time, and your continued use of the app constitutes acceptance of any changes.
2. Description of Service
VitaFlow is a personal finance management application that helps users track income and expenses, set savings goals, analyze spending patterns, and receive AI-powered financial insights. The app operates with an offline-first architecture, storing data locally on your device with optional cloud sync capabilities. VitaFlow also includes optional social features such as Friends and Splits for coordinating shared expenses.
3. User Accounts
Creating an account is optional but required for cloud sync and backup features. You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account. You must provide accurate information during registration and keep it updated.
4. Local Data Storage
VitaFlow stores your financial data locally on your device by default. This data includes transactions, goals, categories, and preferences. You are responsible for backing up your device data. VitaFlow is not responsible for data loss due to device failure, app uninstallation, or other local storage issues.
5. Cloud Sync Service
If you enable cloud sync, your data will be transmitted to and stored on our servers. While we implement reasonable security measures, you acknowledge that no method of electronic transmission or storage is 100% secure. You may disable cloud sync at any time to keep your data local only.
6. Friends Feature
If you use Friends, you may search for and connect with other users using identifiers such as name, email address, or VitaFlow ID. You are responsible for who you add as a friend. You agree not to harass, impersonate, or spam other users, and not to attempt to access another user’s account or data.
7. Splits & Shared Expenses
The Splits feature lets you create and manage shared expenses with friends or invited participants. You are responsible for the accuracy of split details (amounts, participants, notes, settlement status) and for obtaining any necessary consent from participants before sharing details with them. VitaFlow does not guarantee that participants will pay amounts owed, and we are not a debt collection service.
8. AI Assistant Feature
The AI financial assistant feature requires you to provide your own API key from a supported AI provider (OpenAI, Anthropic, etc.). Your API key is stored locally on your device. Your AI conversations are sent directly to your chosen provider and are subject to their terms of service and privacy policy. VitaFlow does not access, store, or process your AI conversations.
9. Financial Disclaimer
VitaFlow is a personal finance tracking tool, not a financial advisor. The app and its AI assistant provide information and insights for educational purposes only. Nothing in this app constitutes financial, investment, tax, or legal advice. Always consult with qualified professionals before making financial decisions.
10. User Responsibilities
You agree to: (a) use the app only for lawful personal finance tracking purposes; (b) provide accurate financial and shared-expense data; (c) maintain the security of your account credentials; (d) not attempt to reverse engineer, modify, or distribute the app; (e) not use the app to store or transmit malicious content; (f) not use Friends/Splits to share content that is unlawful, deceptive, or violates another person’s rights.
11. Intellectual Property
All content, features, and functionality of VitaFlow, including but not limited to the software, design, graphics, and documentation, are the exclusive property of VitaFlow and are protected by intellectual property laws. You may not reproduce, distribute, or create derivative works without express written permission.
12. Data Export
You may export your financial data at any time through the Export Data feature. Exported data is provided in PDF format for your personal records. You are responsible for the security and use of any exported data.
13. Service Availability
While VitaFlow works offline for core functionality, features requiring internet (cloud sync, AI assistant, backups) depend on network connectivity and third-party services. We do not guarantee uninterrupted availability of these features and are not liable for any losses resulting from service unavailability.
14. Disclaimer of Warranties
VitaFlow is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the app will be error-free, secure, or meet your specific requirements. We are not responsible for the accuracy of any financial calculations or AI-generated advice.
15. Limitation of Liability
To the fullest extent permitted by law, VitaFlow shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the application, including but not limited to financial losses, data loss, or loss of profits.
16. Account Termination
You may delete your account at any time through the app settings. Upon deletion, your cloud data will be permanently removed within 30 days. We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent activity.
17. Changes to Terms
We may modify these terms at any time. Significant changes will be communicated through the app or via email if you have an account. Your continued use of VitaFlow after changes constitutes acceptance of the modified terms.
18. Governing Law
These Terms and Conditions shall be governed by and construed in accordance with applicable laws. Any disputes arising from these terms shall be resolved through appropriate legal channels in the relevant jurisdiction.
19. Contact Information
If you have questions about these Terms and Conditions, please contact us at thandermughal@gmail.com. We welcome your feedback and will respond to inquiries within a reasonable timeframe.