Terms & Conditions

1. Who you are contracting with

You are contracting with Norvydas Kukanskis, trading as Velocify. You can reach us at support@ledgerline.app.

2. Eligibility and account

You must be at least 18 years old and, if you accept on behalf of an organisation, authorised to bind it. You must provide accurate information, keep it up to date, keep your credentials confidential, and you are responsible for all activity under your account.

3. The Service

Velocify is a personal finance tracking tool. It lets you import statements, categorise transactions, plan budgets, and record goals, assets and investments. We grant you a limited, non-exclusive, non-transferable right to use the Service within the plan you have selected.

4. No financial advice

All figures, categorisations, projections, insights, market prices and investment data shown are for general information and educational purposes only. They are not financial, investment, tax, accounting or legal advice, and are not a recommendation to buy or sell anything. Market and price data may be delayed, incomplete or inaccurate. Every financial decision you make is your own responsibility and you should consult a qualified professional before acting.

5. Automated features and accuracy

Some features use automated processing, including AI-assisted categorisation and insights. Outputs may be inaccurate or incomplete and must be reviewed by you before you rely on them. You are responsible for the data you submit, for having the right to submit it, and for verifying results.

6. Acceptable use

You must not:

• use the Service unlawfully, fraudulently, or to send spam;
• upload content you have no right to use, or that infringes anyone's intellectual property;
• upload malware, probe, scan, scrape or otherwise interfere with the Service's security;
• reverse engineer the Service, resell or redistribute it, or circumvent technical limits;
• attempt to access another user's data.

If you believe content on the Service infringes your rights, contact support@ledgerline.app and we will review and remove infringing material; repeat infringers lose access.

7. Your content

You keep ownership of the data you upload. You grant us a limited licence to host and process it solely to provide the Service to you. We may remove or restrict content that breaches these Terms.

8. Intellectual property

We retain all rights in the Service, including its software, design, documentation and branding. Nothing in these Terms transfers those rights to you.

9. Plans, payment and billing

Paid plans are billed in advance for the selected period and renew automatically until cancelled. Payment, billing, tax, cancellation and refund mechanics are governed by Paddle's Buyer Terms. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

10. Service level

We work to keep the Service available but do not guarantee uninterrupted or error-free operation. Features may change, and maintenance or third-party outages may cause downtime.

11. Warranties

To the fullest extent permitted by law, the Service is provided "as is" and we disclaim all implied warranties, including merchantability, fitness for a particular purpose and non-infringement.

12. Liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, consequential or special damages, or for lost profits, lost data, lost savings, investment losses or loss of goodwill. Our total aggregate liability is limited to the fees you paid us in the 12 months before the claim. Nothing limits liability for fraud, death or personal injury caused by negligence, or any liability that cannot be limited by law.

13. Indemnity

You will indemnify us against claims, losses and costs arising from your content, your unlawful use of the Service, or your breach of these Terms.

14. Suspension and termination

We may suspend or terminate access for material breach, non-payment, security or fraud risk, or repeated or serious policy violations. You may stop using the Service and delete your account at any time from Settings. On termination your access ends and your data is deleted, subject to any legal retention obligations; export your data before you close your account.

15. Changes to these Terms

We may update these Terms. Material changes will be notified in the app or by email, and continued use after the effective date means you accept the updated Terms.

16. General

These Terms are governed by the laws of the Republic of Lithuania, and its courts have exclusive jurisdiction, unless mandatory local consumer law says otherwise. You may not assign these Terms without our consent; we may assign them in a merger or acquisition. Neither party is liable for delays caused by events beyond its reasonable control. If a clause is unenforceable, the rest remains in force.