Terms of Service

01About Flaveola & financial disclaimer

Flaveola is a personal finance journaling tool designed to help you record, organize, and review your daily spending, budgets, and plans via voice or text input.

• Flaveola is not a bank, broker, credit institution, or registered investment advisor, and does not connect directly to banking institutions or Open Banking APIs.
• Flaveola does not provide professional financial, tax, investment, accounting, or legal advice. Any summaries, budget reminders, conversational responses ("Ask Flav"), or behavioral reflections (SpendVerse quadrants) generated within the app are strictly for personal informational and journaling purposes. All financial decisions are made solely at your own discretion and risk.
• Behavioral reflections and emotional spending categorization do not constitute psychological, medical, or mental health counseling.

02Eligibility

You must be at least 13 years of age (or 16 where required by local jurisdiction) to use Flaveola. If you are under the age of majority in your jurisdiction, you represent that you have reviewed these Terms with your parent or legal guardian and have obtained their consent to use the application.

03AI transcription, parsing & review responsibility

Flaveola integrates third-party transcription and artificial intelligence APIs (Google Gemini API, with ElevenLabs as a standby fallback) to transcribe spoken audio into text, extract structured expense records, and power conversational insights ("Ask Flav").

• Verification requirement: Automated AI systems can make mistakes, mishear speech, or miscategorize merchants, amounts, or dates. Flaveola presents parsed entries for your confirmation before saving. You are solely responsible for reviewing and verifying that all transaction amounts, categories, and dates are accurate before saving them to your device.
• Conversational AI ("Ask Flav"): Conversational responses are synthesized from your own local data queries. They are informational summaries and should not be relied upon as audited financial accounting.
• Flaveola is not liable for budget miscalculations, overdrafts, missed payment penalties, or financial losses resulting from uncorrected entries or AI interpretation errors.

04Local storage & backup responsibility

Your financial ledger, categories, budgets, chapters, and personal notes are stored locally within sandboxed on-device application storage (IndexedDB / Local Storage), not on Flaveola's servers.

• Data recovery limitation: If you clear application cache, uninstall the application, or lose/reset your device without a backup, your locally stored records will be permanently erased. Because your data is not hosted on our servers, Flaveola cannot recover lost local data for you.
• User-managed backups: You are solely responsible for safeguarding your records using the export features (CSV exports, encrypted local JSON vaults, or optional Google Drive cloud sync for eligible tiers).
• Encrypted backups: If you utilize passphrase-protected local backups, your passphrase is never stored on our servers. If you lose your passphrase, Flaveola cannot decrypt your backup file.
• Google Drive integration: Cloud backups depend on Google Drive API availability and your personal Google account storage. Flaveola is not responsible for data loss occurring within external cloud storage providers.

05User ownership & intellectual property

• Your data ownership: You retain full, sovereign ownership of all financial transactions, voice memos, notes, and personal content you create or record in Flaveola. Flaveola does not claim any intellectual property or ownership rights over your personal data.
• Flaveola intellectual property: The Flaveola application, including its software code, user interface, brand assets, logos, design systems, algorithms, and documentation, is the exclusive intellectual property of Flaveola and its developer, protected by copyright and intellectual property laws. You are granted a personal, revocable, non-exclusive, non-transferable license to use the app for lawful personal purposes.

06Trial version, Executive tiers & billing

• Trial version: Available without mandatory account registration. Subject to trial duration limits and AI token processing quotas to ensure infrastructure sustainability. These quota ceilings may be adjusted over time.
• Executive account sync: Upgrading to the Executive tier allows you to link an email address (via secure passwordless OTP) to synchronize your subscription status and quota tier across authorized devices.

07Acceptable use

You agree to use Flaveola only for lawful personal budgeting and journaling purposes. You agree not to:

• Circumvent, manipulate, or attempt to bypass usage quotas, token limits, trial timers, or security controls.
• Reverse-engineer, decompile, disassemble, or attempt to extract source code from the application or its backend relays.
• Send automated, bulk, scripted, or abusive requests through our voice transcription, AI parsing, or serverless infrastructure.
• Use the application to store or transmit malicious code, malware, or unlawful content.

08Service availability & network connectivity

• "As is" availability: Flaveola is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, whether express, statutory, or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.
• Offline vs. online features: Core manual journaling, budget tracking, and viewing past entries work locally on-device without an internet connection. Online features—including AI voice transcription, structured parsing, conversational AI ("Ask Flav"), and cloud backup syncing—require active network connectivity and external AI API availability.
• We reserve the right to modify, suspend, or discontinue any feature, quota, or service endpoint with or without prior notice.

09Limitation of liability

To the fullest extent permitted by applicable law, Flaveola, its operator, and affiliates shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages—including but not limited to lost savings, investment losses, data loss, device corruption, cost of substitute services, or service downtime—arising out of or in connection with your use of or inability to use the application.

In all circumstances, Flaveola's total aggregate liability for all claims arising under these Terms shall be strictly limited to the amount actually paid by you to Flaveola for the service during the twelve (12) months immediately preceding the event giving rise to liability.

10Termination & account deletion

• By the user: You may terminate these Terms at any time simply by uninstalling the application. Registered users can permanently delete their cloud profile, email linkage, and quota tracking via Settings → "Delete Account" at any time.
• By Flaveola: We reserve the right to suspend or terminate access to AI processing relays or cloud sync services for any installation or account found violating these Terms or abusing server infrastructure.

11Governing law & jurisdiction

These Terms and any disputes arising out of or related to them shall be governed by and construed in accordance with the laws of India, without regard to its conflict of law principles. Any legal proceedings shall be subject to the exclusive jurisdiction of the competent courts located in India.

12Changes to these terms

We may update these Terms from time to time to reflect operational, architectural, or regulatory changes. The "Last updated" date at the top will indicate when revisions took effect. Continued use of Flaveola after changes become effective constitutes acceptance of the updated Terms.

13Contact us

For questions regarding these Terms or our licensing practices:

Email: contact@flaveola.com
Website: flaveola.com