Terms of Use

These Terms of Use ("Terms") form a binding agreement between you and VaultX ("we", "us", "our") covering your use of the VaultX mobile application on iOS and Android (the "App"). By downloading, installing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the App.

VaultX is a personal tracking tool that lets you catalog the physical gold and silver you already own — bars, coins, and jewellery — and see an indicative value at live market rates.

VaultX is not a broker, dealer, exchange, custodian, bank, investment platform, or financial advisor. It does not buy, sell, hold, ship, insure, appraise, or take custody of any metal. Valuations shown in the App are estimates for your personal information only and must not be treated as financial, investment, tax, or legal advice, or as a guaranteed price at which you can transact.

Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on mobile devices that you own or control, solely for your personal, non-commercial use.

For iOS, these Terms supplement Apple's Licensed Application End User License Agreement, available at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/. Where Apple's terms and these Terms conflict for the iOS version of the App, Apple's terms prevail to the extent of the conflict.

The App uses Sign in with Google for identity only. When you sign in, only your email address leaves your device; VaultX does not receive your Google password or read your other Google data.

You are responsible for maintaining the security of the Google account you use with the App, and for any activity that occurs under it. If you believe your Google account has been compromised, secure it with Google before continuing to use the App.

VaultX Pro is an optional auto-renewable subscription that unlocks AI invoice scanning and lets you attach up to five invoice photos per holding. Plans are US $2.99 per month or US $34.99 per year, with prices localized by the App Store or Google Play in your region.

All Pro subscriptions are purchased and billed entirely through the Apple App Store or Google Play. VaultX never receives your card or bank details. Subscriptions renew automatically for the same period at the then-current price unless you cancel at least 24 hours before the current period ends.

You can manage or cancel your subscription at any time from your Apple ID or Google Play subscription settings. Refunds are handled by Apple or Google under their respective store policies; VaultX cannot issue store refunds directly.

We may change subscription prices for future renewal periods. Where required, notice of price changes will be provided through the App Store or Google Play before the change takes effect for you.

All vault data — including holdings, goals, invoice photos, and your MPIN — is stored only on your device, in an encrypted local database. VaultX does not operate any server that stores your holdings, and there is no cloud backup.

As a direct consequence, losing your device, uninstalling the App, wiping the device, or forgetting your MPIN can permanently destroy your vault. We have no ability to recover it for you.

We strongly recommend that you export a CSV of your holdings regularly and keep it somewhere safe. CSV export is available to all users at any time.

When you use AI invoice scanning (a Pro feature), the invoice photo is transmitted once to a third-party AI service for extraction. The photo is not stored on any VaultX or third-party server after processing.

Extraction results may contain errors, misreadings, or omissions. You are solely responsible for reviewing the extracted values and correcting any mistakes before saving them to your vault.

Market prices displayed in the App are indicative live rates sourced from third-party providers. They are not exchange-guaranteed quotes and may differ from the price a local jeweller or dealer will offer you to buy or sell metal. You can also enter manual rates.

All market data is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, VaultX accepts no liability for any decision you make based on values shown in the App.

You agree not to:

• reverse engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent this restriction is prohibited by applicable law;
• use the App for any unlawful purpose, or in violation of any applicable law or regulation;
• interfere with, disrupt, or attempt to gain unauthorized access to the App, its systems, or any related infrastructure;
• resell, rent, sublicense, or otherwise commercially exploit the App or your access to it.

The App is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, and accuracy of data.

To the maximum extent permitted by applicable law, VaultX and its developers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, or goodwill, arising out of or in connection with your use of the App.

To the maximum extent permitted by applicable law, our total aggregate liability to you for all claims arising out of or relating to the App is limited to the amount you actually paid to us for the App in the twelve (12) months immediately preceding the event giving rise to the claim.

You may stop using the App at any time by deleting it from your device. Cancelling a Pro subscription is handled through your Apple ID or Google Play subscription settings.

We may suspend or terminate your access to the App or to Pro features if you breach these Terms or use the App in a way that could cause harm to us, other users, or third parties.

We may update these Terms from time to time. The latest version will always be posted at this URL, with the "Last updated" date at the top revised accordingly. Your continued use of the App after an update constitutes acceptance of the updated Terms.

These Terms are governed by and construed in accordance with the laws of Karnataka, India, without regard to its conflict-of-laws principles.

For questions about these Terms, contact us at vijayanandof@gmail.com.