Terms of Service

You must be at least 18 years of age to use Vela. By using the Service, you represent and warrant that you are 18 or older and have the legal capacity to enter into these Terms. If you are accessing Vela on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

Vela is a personal finance companion app that connects to your bank accounts via Plaid to retrieve and display your transaction history, organize spending by category, and generate monthly spending summaries. The Service is intended as a personal money awareness tool.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time with or without notice. We will not be liable to you or any third party for any such modification, suspension, or discontinuation.

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activity that occurs under your account
• Notifying us promptly at admin@velaawareness.com if you suspect unauthorized access to your account
• Providing accurate information when creating your account

You may not share your account with others or use another person's account without permission. We reserve the right to suspend or terminate accounts that we reasonably believe have been compromised or used fraudulently.

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Reverse-engineer, decompile, or disassemble the app
• Use automated tools (bots, scrapers, etc.) to access the Service
• Introduce malware, viruses, or other malicious code
• Impersonate another person or misrepresent your affiliation with any entity

We reserve the right to suspend or terminate your account without notice if you violate these restrictions.

The Vela name, logo, app design, and all content created by us are our intellectual property and may not be reproduced, distributed, or used without our prior written consent. Nothing in these Terms grants you any ownership rights in the Service or its content.

You retain ownership of any data you provide to us (such as your account information). By using the Service, you grant us a limited license to use that data solely to provide the Service to you.

The Service integrates with third-party platforms including Plaid, RevenueCat, Apple, and Google. These services are governed by their own terms and privacy policies. We are not responsible for the practices or content of any third-party service. Links or references to third-party services do not constitute our endorsement.

We do not guarantee uninterrupted or error-free operation of the Service. The Service may be unavailable due to scheduled maintenance, unplanned outages, or circumstances beyond our control (including third-party service disruptions). We will not be liable for any loss or inconvenience caused by Service unavailability.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE SECURE, ACCURATE, COMPLETE, UNINTERRUPTED, OR FREE FROM ERRORS OR VIRUSES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING FROM YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR CAD $50, WHICHEVER IS GREATER.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

You agree to indemnify and hold us harmless from any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your use of the Service; (b) your violation of these Terms; or (c) your violation of any third party's rights.

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. You may terminate your account at any time by deleting it through the app. Upon termination, your right to use the Service ceases immediately. Sections 3, 7, 10, 11, 12, and 14 survive termination.

These Terms are governed by and construed in accordance with the laws of the Province of Alberta and the federal laws of Canada applicable therein, without regard to conflict of law principles.

Any disputes arising from these Terms or your use of the Service shall first be attempted to be resolved by contacting us at admin@velaawareness.com. If a dispute cannot be resolved informally, it shall be subject to the exclusive jurisdiction of the courts of Alberta, Canada.

If you are a consumer resident in a jurisdiction that provides mandatory local consumer protections, nothing in these Terms limits your rights under those protections.

We may update these Terms from time to time. We will notify you of material changes by updating the "Last Updated" date and, where appropriate, by in-app notice or email. Continued use of the Service after changes are posted constitutes your acceptance of the updated Terms.

For questions about these Terms, please contact:

Email: admin@velaawareness.com

We are based in Alberta, Canada.