Terms of Service
Last updated: May 2026
1. Eligibility
Users must have legal capacity to enter binding agreements under applicable law.
2. Platform Purpose
Vault is a personal finance and analytics platform designed to help users:
- Track spending
- Monitor budgets
- Analyze financial activity
- Organize financial information
- Generate reports
- Access AI-powered financial tools
Vault is not a bank, broker, accounting firm, investment advisor, or tax advisor.
3. User Responsibilities
Users agree:
- To provide accurate information
- To maintain account security
- Not to abuse the platform
- Not to attempt unauthorized access
- Not to interfere with infrastructure
- Not to upload malicious software
- Not to reverse engineer platform systems
4. Account Security
Users are responsible for safeguarding:
- Passwords
- Login credentials
- Devices
- Sessions
Vault is not responsible for losses caused by unauthorized account access resulting from user negligence.
5. Financial Disclaimer
Vault does not provide:
- Financial advice
- Investment advice
- Tax advice
- Legal advice
- Accounting services
AI-generated insights and analytics are informational only. Users remain solely responsible for financial decisions, investments, taxes, and outcomes.
6. Service Availability
Vault may:
- Modify features
- Perform maintenance
- Update systems
- Change interfaces
- Experience downtime
- Discontinue features without notice
Continuous availability is not guaranteed.
7. Subscriptions & Billing
If premium services are introduced:
- Billing may renew automatically
- Pricing may change
- Subscriptions may be canceled according to billing terms
- Unpaid accounts may lose access to premium features
8. Intellectual Property
All platform elements including:
- Branding
- Software
- UI/UX
- Design systems
- Graphics
- Dashboards
- Features
- Code
- Trademarks
- Visual assets
remain exclusive property of Vault and its licensors.
9. Privacy
Use of Vault is also governed by the Privacy Policy.
10. Termination
Vault reserves the right to suspend or terminate accounts that:
- Violate Terms
- Abuse systems
- Harm infrastructure
- Attempt unauthorized access
- Engage in fraud or malicious behavior
11. Limitation of Liability
To the fullest extent permitted by law, Vault shall not be liable for:
- Financial losses
- Investment losses
- Lost profits
- Service interruptions
- Downtime
- Indirect damages
- Consequential damages
Users access the platform at their own risk.
12. Indemnification
Users agree to indemnify and hold Vault harmless from claims, liabilities, losses, damages, and expenses resulting from misuse of the platform or violation of these Terms.
13. Governing Law
These Terms shall be governed by applicable laws within the jurisdiction where Vault operates.
14. Changes to Terms
Vault may modify these Terms periodically. Continued use of Vault after changes constitutes acceptance of revised Terms.
15. Contact
For questions regarding these Terms: info@reen-co.ca