These Terms of Use explain the rules that apply when you access or use NorthVault, including the NorthVault app, website, development beta builds, and related services.
NorthVault is a personal finance application designed to help users record, organise and understand their financial information. A free public version is planned for availability through the App Store. Separate development beta builds may be made available through TestFlight for testing upcoming features and improvements.
1. Acceptance of Terms
By downloading, accessing, or using NorthVault, you agree to be bound by these Terms of Use. If you do not agree with these Terms, you should not use NorthVault.
2. About NorthVault
NorthVault is a personal finance application designed to help users organise and review financial information, including:
- Income and expenses
- Transactions and categories
- Budgets and spending activity
- Assets and liabilities
- Financial goals
- Investment records
- Reports, trends, and insights
NorthVault is provided for personal information, record-keeping, and financial organisation purposes only.
3. Development Beta Builds
Development beta builds are pre-release versions provided for testing and feedback. They may contain unfinished features, errors, performance issues, data changes, or functionality that differs from the App Store version.
When using a development beta build:
- Features may change without notice.
- Some functionality may be incomplete.
- Errors, bugs, crashes, or interruptions may occur.
- Data loss or unexpected behaviour may occur.
- Features available today may be modified, replaced, or removed in future versions.
You should maintain your own backups of important financial information and should not rely on development or TestFlight builds as your only record of financial data.
4. No Financial Advice
NorthVault does not provide financial, investment, tax, legal, or accounting advice.
Information shown in the app is for personal tracking and general information only. Any calculations, projections, reports, forecasts, summaries, or insights provided by NorthVault are for informational purposes only.
You remain solely responsible for your financial decisions and should seek professional advice where appropriate.
5. User Responsibilities
You are responsible for:
- The accuracy and completeness of information entered into the app.
- Reviewing reports, balances, calculations, and summaries before relying on them.
- Maintaining backups of your financial data where appropriate.
- Securing your device and access to the application.
- Complying with applicable laws and regulations.
NorthVault cannot independently verify the accuracy of information entered by users.
6. Data, Backups, and Availability
We aim to provide a reliable application experience; however, we do not guarantee that NorthVault will always be available, error-free, uninterrupted, or compatible with every device, operating system version, or future app version.
Service availability may be affected by software updates, operating system changes, maintenance, external platform issues, or technical matters beyond our control.
You are responsible for keeping backup copies of financial information that is important to you.
7. Future Features and Paid Services
NorthVault may introduce additional functionality in the future, including optional cloud synchronization, premium features, subscription services, live market data, AI-assisted features, investment analytics, connected account import, smarter insights, or other services.
Additional terms, disclosures, or privacy information may apply to future services. Any paid offering will be clearly disclosed before purchase, and future optional services may be subject to separate availability, provider, consent, or platform requirements.
8. Intellectual Property
NorthVault, including its software, design, branding, logos, graphics, screenshots, documentation, website content, and related materials, is owned by NorthVault or its respective rights holders and is protected by applicable intellectual property laws.
You may not copy, reproduce, distribute, modify, reverse engineer, or create derivative works from NorthVault except as permitted by law.
9. Acceptable Use
You agree not to:
- Use NorthVault for unlawful purposes.
- Attempt to interfere with the app, website, or related services.
- Circumvent security measures.
- Introduce malicious code or harmful content.
- Misrepresent ownership of NorthVault content or branding.
- Use NorthVault in a way that could damage, disable, overload, or impair the service.
10. External Services
NorthVault may rely on external services and platforms where necessary to operate development beta distribution, diagnostics, infrastructure, support, or future optional connected features.
We are not responsible for external service interruptions, external terms, or external privacy practices. Your use of external services remains subject to their respective terms and policies.
11. Limitation of Liability
To the fullest extent permitted by applicable law, NorthVault and its owners, developers, contributors, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or financial damages arising from your use of, or inability to use, NorthVault.
This includes, but is not limited to, losses arising from errors or inaccuracies in reports or calculations, loss of data, loss of profits, investment losses, business interruption, or reliance on information generated by the app.
Your use of NorthVault is at your own risk.
12. Indemnity
You agree to indemnify and hold harmless NorthVault, its owners, developers, contributors, and affiliates from claims, liabilities, damages, losses, and expenses arising from your use of the application, your violation of these Terms, or your violation of applicable laws or regulations.
13. Termination
We reserve the right to suspend or terminate access to NorthVault at any time, with or without notice, where necessary to protect the application, users, intellectual property, or service integrity.
14. Changes to These Terms
We may update these Terms from time to time. When material changes are made, the “Last Updated” date will be revised.
Continued use of NorthVault after changes become effective constitutes acceptance of the revised Terms.
15. Governing Law
These Terms are governed by the laws of South Australia, Australia, without regard to conflict of law principles.
Any disputes arising from these Terms shall be subject to the jurisdiction of the courts of South Australia, Australia.
16. Contact
Questions regarding these Terms may be directed to:
Email: support@getnorthvault.com