These terms of service (the “Terms”) govern your access and use of Trackvent’s budgeting and personal finance management services provided through our website, mobile applications available on various third-party app stores (the “App”), our website www.Trackvent.com (our “Site”), and any associated content, including educational materials and communications related to subscriptions and services (collectively, the “Services”). Please read these Terms carefully before using the Services. By using the Services, you confirm your acceptance of these Terms and agree to comply with them. If you do not agree to these Terms, you must not use the Services.
TRACKVENT AB
The Services are provided by Trackvent AB, a company with its principal place of business in Stockholm, Sweden. The Swedish company organization number is 559380-6077.
CHANGES TO THESE TERMS
We reserve the right to modify these Terms at any time. Any modifications we make to these Terms in the future will be posted on the App or our Site and, if necessary, communicated to you via email. If you disagree with any updates or changes to these Terms, you are free to reject them by canceling and deleting your account, but this will result in the termination of your access to the Services.
CONTACT
You can contact us through the following channels:
- by email at: service@trackvent.com
- through the chat facility available in the program.
We may also contact you via email using the details you provided during account creation. Please promptly notify us of any changes to your contact information. We may also send notifications to your device.
YOUR ACCOUNT AND PASSWORD
To create an account, you must be 16 years of age or older. Your account is for personal use only, unless explicitly authorized by Trackvent AB for commercial purposes. You must provide accurate and complete information during account creation and keep your account information updated. We may suspend or terminate your account if the information provided is inaccurate or outdated. You are responsible for maintaining the confidentiality of your account details and authorizing any instructions received under your account. Please contact us immediately if you suspect any compromise of your account or its security. We may disable your account if you violate these Terms, and you are responsible for all activity that occurs under your account.
THE SERVICES WE PROVIDE
After creating an account using your email address, you can access the Services through the App and our Site in the following ways:
- Before starting your free 14 day Trial Period you will be asked to give your credit card information as if purchasing the subscription. We will not charge you before or during your trial period, we will charge you when trial period has ended. You can use the Services free of charge, with full access and customer support.
- After the Trial Period, you can continue using the Services.
- Any new features, services, or software applications introduced are subject to these Terms.
- You have another 14 days right of withdrawal after your trial period ends.
YOUR ENTITLEMENT TO UTILIZE OUR SERVICE
We provide you with a limited, non-exclusive, non-transferable authorization to utilize our Services, including the installation and utilization of our App on your mobile device for the purpose of accessing and using the Services.
All intellectual property encompassing our Services and all content contained within them (including but not limited to screen displays, content, text, graphics, and the overall appearance of the Services and website) belongs to us or our licensors. The name “Trackvent,” the Trackvent logo, are trademarks owned by Trackvent or its affiliates or licensors. All other trademarks, service marks, company names, or logos are the property of their respective owners. Any utilization of these marks, names, and logos by you may constitute an infringement of the rights held by the owners. We do not guarantee that the Services do not infringe upon the intellectual property rights of third parties.
If any claim arises asserting that the Services or your possession and lawful use of the Services violate the intellectual property rights of a third party, we will solely undertake the investigation, defense, settlement, and resolution of such claim.
You are prohibited from reproducing, republishing, transmitting, or distributing any material, information, or content on the Services, or any component thereof, without obtaining our prior written consent. We reserve the right, at our sole discretion and without prior notice to you, to terminate your authorization and restrict future access.
While using the Services, you are not permitted to:
- Bypass, disable, or otherwise interfere with any security-related features of the App and/or our Site;
- Allow another person to utilize the Services on your behalf unless such person is authorized by you;
- Use the Services if we have suspended or banned your usage;
- Utilize the Services in a manner that violates any applicable local, national, or international laws or regulations;
- Upload or share content that:
- Is pornographic or indecent, or contains extreme acts of violence or terrorist activity, including terrorist propaganda;
- Is harmful, threatening, defamatory, obscene, infringing, harassing, or racially or ethnically offensive;
- Violates the privacy or other rights of third parties;
- Advocates bigotry or hatred against any individual or group based on race, religion, ethnicity, sex, gender identity, sexual orientation, disability, or impairment;
- Advocates, promotes, or engages in any illegal or unlawful conduct, including criminal activity or conduct that causes harm or injury to any person;
- Modify, interfere with, intercept, disrupt, or hack the Services, except for permissible research as defined by our bug bounty program and outlined in our security policy;
- Misuse the Services by knowingly introducing viruses, Trojans, worms, logic bombs, or other harmful material that could jeopardize the Services or the devices of other users;
- Collect any data from the Services, except in accordance with these Terms;
- Use any automated system, including but not limited to “robots,” “spiders,” or “offline readers,” to access the Services in a manner that generates more request messages to the Services than a human can reasonably produce within the same timeframe.
Failure to adhere to the Rules of Acceptable Use constitutes a severe violation of these Terms, which may lead to us taking any or all of the following actions, with or without prior notice:
- Immediate, temporary, or permanent revocation of your entitlement to utilize the services offered by Trackvent;
- Removal of Your Content;
- Issuance of a warning to you;
- Disclosure of relevant information to law enforcement authorities, as deemed reasonably necessary by us.
The aforementioned responses are not exhaustive, and we retain the right to take any other appropriate actions as we reasonably see fit.We reserve the right, at our sole discretion and without prior notice to you, to terminate your access and prohibit future access to the Services.
OPEN BANKING USE
- We utilize Open Banking services to access data related to your bank account(s) held by third-party financial institutions. By granting permission during the connection process, we access your bank account(s) data through third-party providers such as GoCardless Ltd. You accept the terms of use and privacy policies of these third-party providers and grant them the necessary rights to transmit your information for providing service.
- You authorize us to access data from third party provider such as personal identity information and possibly other data such as transactional data and GoCardless Ltd End User agreement is as and GoCardless Ltd Security Policy for account holders. By utilizing Open Banking through GoCardless Ltd, you acknowledge and agree that the terms of GoCardless Ltd Privacy Policy will govern GoCardless Ltd use of such information, and you expressly agree to the terms and conditions of GoCardless Ltd Privacy Policy.
SUBSCRIPTIONS
Subscription prices are available here: www.trackvent.com under “Pricing”.
Payments for Subscriptions are due upfront at the beginning of the Subscription Period and will be charged to you on the first day of each Subscription Period.
We do not collect or store any of your payment information. Payment of subscription fees is managed by our third party partners and will be subject to their terms.
When you purchase a Subscription, you will only be permitted to cancel your Subscription as set out below.
Unless you choose to disable the automatic renewal feature for your Subscription, which can be done by terminating your subscription through your account settings, your current Subscription will automatically extend at the end of the current Subscription Period for the same duration, and you will be billed in full for the renewed Subscription. Subsequent Subscription fees will continue to be charged to your Payment Method until you cancel. To avoid being billed for the next Subscription Period, you must cancel your Subscription before it renews. We will send you an email reminder prior to the renewal charge.
Trackvent AB may raise Subscription prices by giving you written notice at least thirty (30) days in advance. Any price increase will take effect only upon Subscription renewal. If you disagree with the price increase, you can choose not to renew your Subscription as outlined in the Cancellation section below.
If you purchased your Subscription through our Site, you can cancel it by accessing the settings page on our Site while logged into your Trackvent account. Alternatively, you can request cancellation by sending an email to service@trackvent.com from the email address associated with your Trackvent account.
To avoid being charged for the next payment period, you must cancel your Subscription in accordance with these Terms before it renews.
If you cancel your Subscription before it expires, you will retain access to the Services for the remaining Subscription period (unless you delete your account), but no refunds will be provided for any missed paid subscription period.
WE DO NOT PROVIDE PERSONALIZED FINANCIAL OR INVESTMENT ADVICE
The Services are designed to enable you to track and manage information pertaining to your personal finances. Any material we provide through the App and/or our Site or derived from your utilization of the Services, including any suggestions or recommendations, is intended for general informational purposes only and should not be considered as financial or investment advice.
Trackvent AB does not endorse or recommend any specific banking, investment, payment, or financial opinions, or any other information that may be referenced on the Services.
The Services we provide are not a substitute for professional or financial advice. We make no guarantees regarding the outcomes or results derived from our Services.
Trackvent solely provides general information related to finances. The advice contained in newsletters or our built-in chat feature is general in nature and not tailored to your specific circumstances.
Trackvent collaborates with third-party firms (Trackvent AB is not responsible for any work produced by third parties specific to your circumstances) that offer financial/business consultancy services. In such cases, financial advice may be based on your individual situation. To receive individualized assistance, you can contact Trackvent customer support by clicking the “ask for help” button or sending us a message explaining your need for personalized assistance.
DISCLAIMER OF WARRANTIES
We provide the Services on an “AS IS” and “AS AVAILABLE” basis. We explicitly disclaim all warranties of any kind, subject to certain regulations in certain jurisdictions that may not permit the exclusion of implied warranties or limit the applicable statutory rights of consumers.
Although we have taken reasonable measures to ensure that the features and functionalities of the Services are of a reasonably satisfactory standard, certain features may rely on networks and connections beyond our control. Consequently, we will not be held liable or responsible for any failure or delay in the Services resulting from events beyond our reasonable control.
The Services may include links to websites or resources operated by third parties. Trackvent provides these links and resources solely for convenience and is not responsible for the content, opinions, products, or services offered on or available from such websites or resources, the links displayed on those websites, or the privacy practices employed by those websites. We recommend that you read and consider the privacy policies and terms and conditions of these websites before providing any personal information. Trackvent is not liable for the privacy practices or content on third-party websites.
We are not responsible for the accuracy of financial data obtained from third-party sites that are displayed or reported through the Services. Additionally, we cannot guarantee the accuracy or timeliness of payment accounts retrieved on your behalf directly, from third-party technology providers, from third-party financial institutions where your accounts are held, or from third-party research/market data providers used to provide the Services.
You acknowledge that your use of the Services is at your own risk. We do not guarantee that the Services will always be available or uninterrupted. We will not be held liable if, for any reason, the Services are unavailable at any time or for any period.
While we take reasonable precautions to keep the Services free from viruses, corrupt files, and other malicious software, we cannot guarantee absolute security. We will not be liable for any loss or damage caused by viruses, distributed denial-of-service attacks, or other technologically harmful material that may infect your device.
No refunds will be issued in the event of the aforementioned circumstances or any other similar circumstances. We will prioritize resolving the issue as quickly as possible, but no refunds will be applicable as technological issues may arise.
YOUR PRIVACY
We require the collection of specific personal information from you in order to deliver the Services to you.
We take the protection of your privacy seriously and are dedicated to handling your information appropriately. Please carefully read our Privacy Policy provided on our website.
OUR LIABILITY TO YOU
If the Services fail to meet the standards required by applicable law, please contact us by sending an email to service@trackvent.com.
Trackvent shall only be liable under these Terms for losses that are reasonably foreseeable and caused by Trackvent’s breach of these Terms or Trackvent’s negligence. The Services are intended for both business and personal use. We will not be liable to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We are not responsible for any loss or damage that could not have been reasonably anticipated. Loss or damage is reasonably foreseeable if it is obvious that it would occur or if, at the time you accepted these Terms, both we and you were aware that it might occur.
Under no circumstances shall our total liability to you in connection with the Services (whether in contract, tort, breach of statutory duty, or otherwise) exceed the amount of one hundred British Pounds (£100).
Nothing in these Terms excludes any statutory rights that may apply to your use of the Services and associated services, which cannot be excluded, restricted, or modified by contract.
We do not exclude or limit our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents, or subcontractors, or for fraud or fraudulent misrepresentation.
TERMINATION BY US
If you are accessing the Services for free during the Trial Period, we reserve the right to close your account, restrict your access to and use of the Services at any time, by providing you with one month’s notice, without incurring any liability towards you.
- If you have purchased a Subscription, we reserve the right to terminate your Subscription, close your account, and restrict your access to and use of the Services immediately under the following circumstances:
- You violate, or we suspect you are in violation of, the Rules.
- We have reason to believe that you are engaging in unlawful activities.
- Any fees owed under these Terms remain outstanding.
- In our reasonable judgment, the security or integrity of the Services has been, or may be, compromised or is otherwise at risk.
NETWORK OF HARDWARE FAILURES
Although we have taken all reasonable precautions to ensure that the features and functionalities provided as part of the Services meet a satisfactory standard, certain features may depend on your device or networks and connections beyond our control. Therefore, we shall not be held liable or responsible for any failure to perform or delay in the performance of our obligations to you, which are caused by events beyond our reasonable control.
VIRUSES
While we employ all reasonable measures to maintain the Services devoid of viruses, corrupted files, and other harmful software, we cannot guarantee absolute protection. We shall not be held accountable for any loss or damage caused by a virus, distributed denial-of-service attack, or any technologically detrimental material that may infect your device.
APP AND/OR SITE UPDATES
Periodically, we may automatically update the App and/or our Site to enhance performance, improve functionality, incorporate changes to our products or regulations, or address security issues. Alternatively, we may request that you update the App or the web browser used to access our App and/or Site for these purposes.
If you choose not to install such updates or opt out of automatic updates, you may no longer be able to continue using the Services.
REQUIREMENTS OF THIRD-PARTY STORES
These Terms pertain solely to the agreement between you and us and not to any association between you and the App Store or Google Play. The App Store and Google Play bear no responsibility for the App or its content. Your utilization of the App must comply with the respective Terms of Service of the App Store and Google Play.
The App Store and Google Play have no obligation to provide any maintenance or support services in relation to the App. In case the App fails to adhere to any applicable warranty, please notify us at service@trackvent.com instead of contacting Apple. To the maximum extent permitted by law, the App Store and Google Play will bear no warranty obligations whatsoever concerning the App. Moreover, any claims, losses, liabilities, damages, costs, or expenses arising from the failure to conform to any warranty will be solely governed by these Terms and the applicable laws governing Trackvent as the provider of the app.
You acknowledge and agree that the App Store and Google Play are not accountable for addressing any claims you may have or any claims made by any third party relating to the App, including, but not limited to:
- Claims regarding product liability;
- Claims asserting the App’s failure to conform to any applicable legal or regulatory requirements; and
- Claims arising under consumer protection or similar legislation, all of which are subject to these Terms and the applicable laws governing Trackvent as the provider of the app.
In the event of any third-party claim alleging that the app or your use of the App infringes upon a third party’s intellectual property rights, Trackvent, not the App Store or Google Play, shall assume sole responsibility for investigating, defending, settling, and discharging any such claim of intellectual property infringement as required by these Terms.
You represent and warrant that you are not located in a country subject to a US Government embargo or designated by the US Government as a “terrorist supporting” country, and you are not listed on any US Government list of prohibited or restricted parties.
The App Store, Google Play, and their subsidiaries are considered third-party beneficiaries of these Terms and have the right to enforce these Terms with respect to your App license.
LEGAL MATTERS
The invalidity or unenforceability of any provision (in whole or in part) of these Terms shall not affect the validity or enforceability of the remaining provisions (in whole or in part). Any provision or part thereof deemed invalid or unenforceable by a court of competent jurisdiction shall be considered deleted from these Terms.
These Terms are specific to you and cannot be assigned in whole or in part to any third party without our prior written consent.
We may transfer our rights and obligations under these Terms to another organization. If this occurs, we will inform you in writing, ensuring that the transfer does not affect your rights under these Terms.
Failure on our part to enforce any of these Terms shall not be considered a waiver of such provisions or limit our right to subsequently enforce them.
These Terms shall be governed and interpreted in accordance with Swedish law. However, this shall not exclude any mandatory legal rights you may have in your country of residence, where exclusion is not permitted by law. The Swedish courts shall have jurisdiction, without prejudice to your ability to assert a claim in your country of residence where such right exists.
COMPLAINTS
If you have a complaint or dispute concerning the Services, please initially contact us at service@trackvent.com, and we will strive to resolve the matter informally.
If we are unable to resolve your complaint or dispute informally, we will recommend an appropriate mediation or arbitration dispute resolution service with a consumer focus based on the nature of the complaint or dispute and your location.
While you are not obligated to utilize this service to resolve your complaint or dispute, we encourage its use as we believe it is the most cost-effective and suitable approach to resolving complaints and disputes with our users.
AI-chat
Please be advised that the chat feature provided by Trackvent is intended for general advice purposes only. It is facilitated through the use of third-party services. Our commitment is to offer you a seamless and helpful experience; however, it’s important to recognize that the scope of advice is general and should not be relied upon for critical decision-making.
We value the integration of third-party services to enhance your experience but must also acknowledge the dependency on these external providers. In the event that our third-party service providers adjust their pricing in a manner that impacts our service provision, Trackvent reserves the right to discontinue the chat feature. We strive to maintain our services at a high standard and at an affordable cost, but such adjustments may necessitate changes to our offerings.
In the case that the chat feature is removed due to changes in third-party service costs, Trackvent will not be obligated to offer compensation to users for the discontinuation of the feature. Our priority remains to keep you informed of any significant changes to the services we offer, including any alterations or removal of features.
By continuing to use our services, you acknowledge and agree to the potential for changes in service availability based on third-party provider policies and pricing. We appreciate your understanding and flexibility as we navigate the evolving landscape of digital service provision.
Application Accessibility and Reinstallation Clause
Accessibility Issues:
In the event that you encounter difficulties in opening or accessing any of Trackvent’s applications, we recommend attempting to reinstall the application as an initial troubleshooting step. Our applications are designed to deliver a comprehensive and immersive experience, which may require substantial storage space on your device. This design choice ensures the delivery of high-quality content and functionality but may occasionally lead to challenges in application launch or performance due to device storage constraints.
Reinstallation Guidance:
Should you find the application does not open, please follow these steps:
- Uninstall the application from your device.
- Ensure that your device has sufficient storage space available to accommodate the application. We advise checking the specific storage requirements listed on the download page for guidance.
- Reinstall the application from the official app store or download platform associated with your device.
We understand that reinstalling the application may be inconvenient, but this measure can often resolve opening issues, ensuring you can access our services without further delay.
By agreeing to these terms, you acknowledge that Trackvent’s applications may require a significant amount of storage space and that in cases where the application fails to open, your first course of action should be to attempt reinstallation, following the guidelines provided.
We appreciate your understanding and cooperation in ensuring the optimal performance of our applications on your devices.