Terms of use

Working draft. Placeholders marked TODO must be resolved and the whole document reviewed by a lawyer before launch. This is not legal advice.

By using this website, the app, or any template bought here, you agree to these terms.

Provider. Sergi Arranz, trading as Cifrea, part of ARSTE. Mayan, Building 2, Unit 712, Abu Dhabi, United Arab Emirates.

1. This is not financial advice

Everything published here (every article, every calculation in the app, every template) is general information about how one household organises its own money.

It is not financial, investment, tax, accounting or legal advice. It does not take account of your circumstances, your obligations or the law where you live. Forecasts, property analyses, mortgage calculations and net-worth figures are arithmetic applied to numbers you supplied; they are not predictions and not recommendations.

Decisions about your money are yours. If a decision matters, take advice from someone qualified and regulated in your jurisdiction.

2. Not a financial institution

No banking, payment, custody, brokerage or advisory service is provided. The app holds no money and executes no transactions on your behalf. It is a record-keeping tool.

3. Your account and your data

You are responsible for keeping your login credentials secure and for the accuracy of what you enter. You retain all rights to the data you put into the app. Export it or delete it at any time from within the app.

Reasonable measures are taken to keep your data safe and available, but you should keep your own exports. See section 7.

4. Acceptable use

Do not: use the service unlawfully; attempt to access another household’s data; probe, scan or attack the infrastructure; scrape the site at a volume that degrades it; resell or redistribute the templates; or republish articles in full without permission. Quoting with attribution and a link is welcome.

Accounts that breach this section may be suspended or terminated.

5. Subscriptions and purchases

{{TODO: confirm against the final StoreKit implementation before launch.}}

App subscriptions are sold through Apple. Payment is charged to your Apple ID, renews automatically unless cancelled at least 24 hours before the period ends, and is managed entirely in your Apple account settings. Refunds are handled by Apple under its own policy.

If a subscription lapses, your data is never deleted. Premium features become unavailable; your records remain, and remain exportable.

Templates are sold as one-time digital purchases through {{TODO: Gumroad / Lemon Squeezy}}, who act as merchant of record. Because they are delivered immediately, the statutory withdrawal right for digital content does not apply once download has begun. A refund will still be given for a template that does not work as described.

6. Intellectual property

The articles, the site design, the app and the templates are owned by Cifrea. Buying a template grants you a personal, non-transferable licence to use it, including for your own business. It does not grant the right to resell, redistribute or publish it.

Trademarks mentioned belong to their respective owners; their mention does not imply any affiliation or endorsement.

7. Liability

The service is provided “as is” and “as available”. No warranty is given that it will be uninterrupted, error-free, or that any figure it produces is correct for your purposes.

To the fullest extent the law allows, Cifrea is not liable for financial loss, lost profit, lost data, or any indirect or consequential loss arising from use of the website, the app or the templates. Where liability cannot be excluded, it is limited to the amount you paid in the twelve months before the claim.

Nothing here excludes liability for fraud, or for anything that cannot lawfully be excluded, including the statutory rights of consumers in the EEA and the UK.

8. Availability and changes

Features may change, and the service may be suspended or discontinued. If it is discontinued, reasonable notice will be given along with time to export your data.

These terms may be updated; the date at the top reflects the current version. Continued use after a change means acceptance.

9. Governing law

These terms are governed by the laws of the United Arab Emirates, and the courts of Abu Dhabi have jurisdiction. If you are a consumer resident in the EEA or the UK, this does not deprive you of the protection of the mandatory consumer laws of your country of residence.

10. Contact

Questions about these terms: see the contact page.