Plain English summary: VaultTrack is a personal finance tool. You own your data. We charge $20/month after a 30-day free trial. You can cancel anytime. This tool provides information only — it is not financial advice. We are not liable for financial decisions you make based on the app.
By accessing or using VaultTrack ("the Service", "we", "us"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, you must not use the Service. These Terms apply to all visitors, users, and subscribers.
If you are using the Service on behalf of an organisation, you represent that you have the authority to bind that organisation to these Terms.
VaultTrack is a personal finance and budgeting web application that provides:
The Service is provided on an "as is" basis. Features may be added, modified, or removed at any time.
You must create an account to access most features. You are responsible for:
You must provide accurate, current, and complete information when creating your account. You may not share your account with others or create accounts using automated means.
You must be at least 18 years of age to use this Service.
VaultTrack is a paid subscription service priced at $20 USD per month, billed monthly following the end of your free trial period.
All payments are processed securely. We do not store your full payment card details.
New users receive a 30-day free trial with full access to all features. No credit card is required to begin the trial.
If you choose to continue after the trial, you will need to add a payment method. If you cancel before the trial ends, you will not be charged. We will send a reminder email before the trial expires.
You agree not to use the Service to:
We reserve the right to suspend or terminate accounts that violate these policies.
All content, design, code, and functionality of the Service — including but not limited to software, text, graphics, and logos — is owned by or licensed to VaultTrack and is protected by applicable intellectual property laws.
You retain full ownership of all financial data and content you upload or enter into the Service. By using the Service, you grant us a limited licence to store and process your data solely to provide the Service to you.
You own your data. We collect and store your financial data only to provide the Service. We do not sell, rent, or share your personal financial data with third parties for marketing or advertising purposes.
You may export or delete your data at any time. Upon account deletion, your data is permanently removed from our systems within 30 days. See our Privacy Policy for full details.
Important: VaultTrack is a personal finance tool for informational and organisational purposes only. Nothing on this platform constitutes financial advice, investment advice, tax advice, or a recommendation to buy, sell, or hold any financial instrument.
All calculator outputs, AI-generated insights, savings projections, and mortgage calculations are illustrative estimates based on user-provided inputs and assumed rates of return. Actual results will differ. Past performance is not indicative of future results.
You should consult a qualified and regulated financial adviser, tax professional, or mortgage broker before making any financial, investment, or mortgage decision.
The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the Service will be error-free, uninterrupted, or free of harmful components.
To the fullest extent permitted by law, VaultTrack and its owners, employees, and agents shall not be liable for:
Our total liability to you for any claim arising from use of the Service shall not exceed the amount you paid us in the 3 months preceding the claim.
You may terminate your account at any time by cancelling your subscription and deleting your account from the settings page.
We reserve the right to suspend or terminate your access immediately, with or without notice, if you breach these Terms or if we reasonably believe your use of the Service poses a risk to us or other users. Upon termination, your right to access the Service ceases immediately.
We may update these Terms from time to time. When we do, we will revise the "Last updated" date at the top of this page and notify active subscribers by email at least 14 days before material changes take effect.
Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
These Terms are governed by and construed in accordance with the laws of the Republic of Ireland, without regard to conflict of law principles. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ireland.
For questions about these Terms, please contact us: