Terms of Use

These Terms of Use (these “Terms”) are a legally binding agreement between users (you, yours) and Saldo apps Inc., legal address 651 N Broad St. Suite 201, Middletown, New Castle, DE, postal code 19709 (also as “Company,” “we”, “our” or “us”), which regulates the conditions and rules of use of the “Saldo: Finance Management App” application (also – “app”, “mobile application”, “software”, “Service”).   

Agreement to terms 

  Before using our application, please read carefully the terms of use of the “Saldo: Finance Management App” application, as well as the privacy policy. If you do not agree with all of these Terms and privacy policy, then you are prohibited from using the app and you must discontinue use immediately.    By checking the box “I have read and agree” when registering and/or paying for a subscription using an online payment method for payment and/or access to the application, the user agrees to the terms of use and privacy policy.    You also certify that you have full legal capacity and capacity and are of the age required by the law of Delaware, or your country or state of the US of which you are a citizen, to accept these terms.   By using the application YOU MESSAGE TO US that: (i) YOU READ, UNDERSTAND, AND AGREE TO THIS TERMS OF USE AND PRIVACY POLICY, AND (ii) YOU ARE MORE than 14 years old (or EXCEED THAT YOUR PTA or guardian reads and AGREE TO THIS TERMS OF USE AND PRIVACY POLICY FOR YOU). If you don’t accept and agree to this Terms of Use and privacy policy, you must immediately stop using our app.   You used our app based on “as is” and as you currently see it. We don’t give any guarantees and are not responsible for not meeting your expectations, hopes, assumptions from using our application.   We may modify these Terms from time to time. The updated version of these Terms of Use will be effective as soon as it is accessible. You are responsible for reviewing these Terms to stay informed of updates. Your continued use of our app represents that you have accepted such changes.   The terms of the privacy policy and other supplemental terms and conditions or documents that may be posted on the app from time to time are expressly incorporated by reference.  

Use of the app and its functions.

Key Features: – Connect bank accounts to track income and expenses automatically; – Track your cash or any other kind of funds manually; – Create and edit custom categories; – Create automated rules to tune categorization to your needs; – Monthly budgeting;  

End-user license agreement (EULA)

We grant you a personal, worldwide, revocable, non-transferable, and non-exclusive license to access and use them  for personal and non-commercial purposes under these Terms.   This license is for the sole purpose of enabling you to enjoy the benefits of the software, as stated herein, and also for your personal use only.   Under this license, it is prohibited to use the app or any of its materials, including but not limited to parts of it for commercial, promotional purposes, without the prior written consent of the Company. User has no right: 
  1. copy or reproduce the software or any part of the software other than under the license granted in this terms of use;
  2. sell, resell, rent, lease, loan, supply, distribute, redistribute, publish or republish the Software or any part of the software;
  3. modify, alter, adapt, translate or edit, or create derivative works of, the software or any part of the software;
  4. reverse engineer, decompile, disassemble the software or any part of the software;
  5. copy, modify, transmit, distribute, publicly display, demonstrate, create any derivative works (products); use or in any way reproduce any copyrighted materials, images, screenshots, trademarks, trade names, proprietary information, services marks, and other objects of intellectual property available on the app;
  6. this list is not exhaustive.
  The license doesn’t provide for any transfer (alienation) of intellectual property rights belonging to the Company.  

Property rights

The app and its original content, design and appearance elements, software GUI,  including but not limited to UI/UX design, icons, images, photographs, features and functionality are and will remain the exclusive property of the Company and its licensors.    The app is protected by copyright, trademark, and other laws around the world.    Our trademarks and trade dress may not be used in connection with any product or service without our prior written consent.  


The cost and type of subscription are available to users in the app. The subscription is purchased through the Apple Pay or Google Pay system. The order of refund of purchase for subscription is regulated by Apple store and Google play rules.   Some of our subscriptions include a free trial period, where you can experience the mobile application at no cost. Subscription with the free trial period will automatically renew to a paid subscription once your free trial expires. If you decide to unsubscribe from a paid subscription before Apple Pay or Google Pay starts charging your payment method, cancel the subscription before the free trial ends.   Payment will be charged to your credit/debit card through your Account on the App store (Apple ID) or Google play. You choose one of our subscriptions and confirm your purchase. Paid subscriptions automatically renew unless auto-renew is turned off until canceled in the Manage Subscriptions section of your account settings.  


You agree to defend, indemnify and hold us harmless and our licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees), resulting from or arising out of: 
  • your use and access to the app;
  • a breach of these Terms.

Limitation Of Liability  

In no event shall Company, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:
  • your access to or use of or inability to access or use the Service; 
  • any conduct or content of any third party on the Service; 
  • any content obtained from the Service; and 
  • unauthorized access, use or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence) or any other legal theory, whether we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose;
  • violations by users or third parties of the rights to intellectual property of third parties, admitted using our service;
  • cases where the functionality of the service is disrupted or limited as a result of a malfunction of a mobile device, Internet provider or mobile operator services;


Your use of the Service is at your sole risk. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.   We  do not warrant that  a) the Service will function uninterrupted, secure, or available at any particular time or location; 
  • any errors or defects will be corrected; 
  • the Service is free of viruses or other harmful components; or
  • the results of using the Service will meet your requirements.
  Some jurisdictions do not allow the exclusion of certain warranties or the exclusion or limitation of liability for consequential or incidental damages, so the limitations above may not apply to you.  

Personal data

We collect and process your data to provide our services in using the app. In the privacy policy section, we describe in detail how your data can be collected, processed, and transmitted.  

User guarantees

By using, or visiting our app you guarantee:
  1. the compliance with age restrictions;
  2. that you will use the app for personal use;
  3. that you have all the powers (competence and legal capacity) required by law to accept these terms.
  4. that you will not use the services: for fraud, other atrocities; insults defaming the honor and dignity of other users; distribute obscene content; distribute pornographic content; unapproved collect, process, and distribution of personal data of other users;
  5. not to violate the terms and conditions established by this agreement;
  6. not to violate the rights of other users including but not limited to the intellectual property rights of third parties.
  7. that you will not pass malicious software.

Dispute resolution

  In case of disputes concerning the terms of this document between users and the Company, the settlement of the subject of the dispute shall be resolved in a pre-trial manner through negotiations and agreement on the peaceful settlement of the dispute.   Users’ complaints and claims are accepted to the email address [email protected]. Our support services will contact you in the shortest lines. The time limit for the consideration of a complaint or claim is 14 days.    In case of failure to reach an agreement on the peaceful settlement of the dispute, any dispute, controversy, proceedings or claim of whatever nature arising out of or in connection with or in any way relating to this Agreement or its formation, shall be governed by and construed in accordance with the Laws and Regulations of the US and state Delaware.    If for any reason a court of competent jurisdiction finds any provision of this Terms, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible to affect the intent of this Terms, and the remainder of this Terms shall continue in full force and effect. A printed version of these Terms shall be admissible in judicial or administrative proceedings.  


These Terms shall remain in full force and effect while you use our software.   Without limiting any other provision of these Terms, we reserve the right to, in our sole discretion and without notice or liability, deny access to and use of the our app (including blocking certain IP addresses), to any person for any reason including without limitation for breach of any representation, warranty or covenant contained in these Terms or of any applicable law or regulation.   If we determine, in our sole discretion, that your use of our app is in breach of these Terms or of any applicable law or regulation, we may terminate your use or participation in the app any time, without warning, in our sole discretion.  

Terms of use changing

We are constantly working on the development of our service, as well as the services that we provide, for more convenient and comfortable use. Therefore, the policy of using the service may be changed from time to time and supplemented by new provisions.   When the terms change, we will notify you in advance of such changes so that you can familiarize yourself with the new terms and conditions.  

Governing Law  

This Agreement shall be governed by and construed in accordance with the Laws and Regulations of the US and the state of Delaware. The Parties irrevocably submit to the exclusive jurisdiction of the courts of the state of Delaware to hear and determine any suit, action, or proceedings or settle any dispute arising out of or in connection with this Agreement and to enforce any judgment.  


The company may freely assign its rights and/or obligations under this agreement without the user’s consent. Save as expressly provided in this agreement, the users must not assign, transfer, charge, license or otherwise dispose of or deal in this agreement and/or any of its rights and/or obligations.   Upon termination, all provisions of these Terms, which, by their nature, should survive termination, shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, and limitations of liability.   All claims between the parties related to these Terms will be litigated individually and the parties will not consolidate or seek class treatment for any claim unless previously agreed to in writing by the parties.   Contacts for use by users: [email protected].