Terms & Conditions

1. Introductory Provisions

1. These Terms and Conditions (hereinafter the “Terms”) govern the legal relationship between the user of the application (hereinafter the “User”) and Vixen Tech s. r. o., with its registered office at Jelenia 1, 811 05 Bratislava, Company ID No.: 55 516 904 (hereinafter the “Provider”), which is the developer and operator of the Accountit application (hereinafter the “Application” or the “Service”).
2. The Application enables Users to manage their personal finances, record and analyze their income, expenses, and financial goals, and create financial overviews. The Provider operates the Application through various platforms (web interface, mobile application, or other interface), and its use is governed exclusively by these Terms. The Application is not designed for and may not be used as a tool that would receive or store money or monetary equivalents. The Application is not intended to carry out any financial transactions or transfers. Users may use advanced methods of data entry, such as manual import from XLS or CSV formats or automatic synchronization with their bank account if the Application allows it; this function enables the User to import their transactions from their bank accounts. Such a connection is read‑only and no data from the User’s bank account can be edited or altered. For the avoidance of doubt, the Provider is not considered an obliged entity within the meaning of § 5 of Act No. 297/2008 Coll. on Protection against Money Laundering and on Protection against Terrorist Financing and on Amendments and Supplements to Certain Acts (zákon č. 297/2008 Z. z. o ochrane pred legalizáciou príjmov z trestnej činnosti a o ochrane pred financovaním terorizmu a o zmene a doplnení niektorých zákonov).
3. By using the Application, a legal relationship arises between the User and the Provider based on these Terms, which constitute a contract for the provision of a digital service pursuant to § 51 in conjunction with § 52 et seq. of Act No. 40/1964 Coll., the Civil Code (zákon č. 40/1964 Zb. Občiansky zákonník) (hereinafter the “Agreement”).
4. The Agreement is concluded solely between the User and the Provider remotely in accordance with Act No. 108/2024 Coll. on Consumer Protection and on Amendments and Supplements to Certain Acts (zákon č. 108/2024 Z. z. o ochrane spotrebiteľa a o zmene a doplnení niektorých zákonov). No third party is a party to it and no rights or obligations arise for any third party therefrom.
5. The functionalities of the Application and the Service are provided as paid, subscription, or in‑app purchases (hereinafter the “Paid Features”).

2. Acceptance of the Terms

1. The use of the Application is conditional upon having read and agreeing to these Terms. During registration, the User confirms their consent by choosing the “I Agree” or “Accept” option by checking a box, thereby expressly expressing the will to be bound by these Terms. Likewise, acceptance of the Terms is also deemed to occur through continued use of the Application after publication of subsequent addenda, updates, or amendments.
2. The current wording of the Terms is always available on the Provider’s website and in the Application. At the User’s request, they may also be sent electronically to the User’s email address in PDF format.
3. The User must not use the Application if they have not reached the age of 15 or if they are not fully legally competent pursuant to § 8 et seq. of Act No. 40/1964 Coll., the Civil Code (zákon č. 40/1964 Zb. Občiansky zákonník). If the User is under the age of majority, consent of their legal representative is required to conclude the Agreement and to use the Application. By using the Application, the User declares and warrants that they are of legal age or have sufficient consent from their legal representative to conclude the Agreement under these Terms and meet all of the above requirements. If the User does not meet all these requirements, they must not access or use the Application. Registration on behalf of another person who does not meet this age requirement is itself a breach of these Terms. The Provider reserves the right to cancel the accounts of any User who does not comply with these Terms.
4. By accepting these Terms, the User also declares that they are not a politically exposed person within the meaning of § 6 of Act No. 297/2008 Coll. on Protection against Money Laundering and on Protection against Terrorist Financing (zákon č. 297/2008 Z. z. o ochrane pred legalizáciou príjmov z trestnej činnosti a o ochrane pred financovaním terorizmu). If the User does not meet or ceases to meet this condition, they are obliged to inform the Provider without delay via the email address alex@vixentech.co.

3. Term and Termination of the Agreement

1. The Agreement is concluded for an indefinite period and remains in force unless terminated by the User or the Provider in accordance with these Terms. Termination of the Agreement is always associated with deletion of the User’s account.
2. The User is entitled to terminate the Agreement at any time without giving a reason by sending written notice to the Provider’s email address and by deleting the Application from their device. In the event of termination of the Agreement, the User is not entitled to a refund of fees already paid for the Paid Features.
3. The Provider is entitled to terminate the Agreement at any time with a notice period of 1 month, which begins to run on the date of delivery of the notice to the User via the Application or email. In extraordinary cases under special legal regulations (in particular Act No. 297/2008 Coll. on Protection against Money Laundering and on Protection against Terrorist Financing (zákon č. 297/2008 Z. z. o ochrane pred legalizáciou príjmov z trestnej činnosti a o ochrane pred financovaním terorizmu)) or in the event of suspected criminal activity or in the event of a serious breach of these Terms, the Provider is entitled to terminate the Agreement immediately without a notice period; a serious breach of these Terms is assessed exclusively by the Provider at its own discretion.
4. If the Agreement is terminated due to the User’s breach of these Terms, the User is not entitled to any refund of amounts already paid for the Paid Features.

4. Changes to the Terms

1. The Provider is entitled to unilaterally change these Terms, in particular as a result of changes in legal regulations, technological development, changes in the area of financial services, for reasons of improving the quality of services provided, or for the purpose of complying with obligations under special legal regulations.
2. The User will be informed of changes to the Terms via the Application or by email at least 3 days before they take effect. The notice will contain the new wording of the Terms and the date of their effectiveness.
3. By continuing to use the Application after the changes take effect, the User expresses their consent to the new wording of the Terms. If the User does not agree with the changes, they have the right to terminate the Agreement and cease using the Application. The User acknowledges that without acceptance of the updated Terms, they will not be able to continue using the Application.

5. Use of the Application

1. The User is obliged to use the Application exclusively in accordance with these Terms, good morals, the applicable legal regulations of the Slovak Republic, and the purpose for which the Application was created.
2. The User must not use the Application in a manner that could damage, overload, disable, or impair its operation, nor in a manner that would disrupt the functionality of the Provider’s or third parties’ networks or servers.

6. Registration and User Account

1. Use of the Application requires registration of a user account. Registration is carried out via the User’s email address or through authentication via third‑party services (e.g., Google or Facebook), if the Application allows it.
2. The User undertakes to provide true, accurate, complete, and up‑to‑date data during registration and to update it continuously in the event of any changes.
3. The User is obliged to protect their login credentials and must not make them available to third parties. All actions performed through their account are considered the User’s actions, and the Provider is not liable for any damage that may arise in this context.
4. The Provider is entitled to refuse registration, temporarily suspend, or cancel the user account if it has a reasonable suspicion that the User has breached these Terms, legal regulations, or is acting contrary to the legitimate interests of the Provider.
5. An account canceled by the User or the Provider cannot be restored.
6. The Agreement under these Terms is concluded between the Provider and the User, not with a third party such as the App Store or Google Play through which the User purchased the Application; therefore, specific terms of those interfaces may apply to the User. No app marketplace is responsible for the Application or its content. Any claims must be addressed directly to the Provider, which is the only entity responsible for resolving claims.

7. Synchronization of Payment Accounts

1. One of the features of the Application is the ability to link the Application with the User’s accounts held with banks or other financial institutions, or with electronic wallets (“Payment Accounts”), and to automatically synchronize information about such accounts based on the User’s explicit consent, if the Application allows it.
2. For the purpose of providing this service, the Provider may use either its own technology based on application programming interfaces of individual financial institutions or technical solutions of third parties, so‑called data aggregators (“Aggregator”).
3. The User is obliged to connect with the Application exclusively those Payment Accounts of which they are the owner or which they are authorized to use. If the User uses synchronization through an Aggregator, they expressly grant the Aggregator authorization to access their online Payment Account in a “read‑only” mode, i.e., to read data without the ability to carry out transactions, and at the same time grant the relevant financial institution authorization to make such data available to the Aggregator.
4. The User hereby declares and warrants to the Provider that they possess all necessary authorizations, rights, and consents to link and make available data from a Payment Account.
5. If the User does not actively use the Application for a period longer than 3 months, the Provider reserves the right, for security reasons, to disconnect the User’s synchronized Payment Accounts.

8. Content Provided by the User

1. The User may insert, upload, or synchronize textual, numeric, image, or other data into the Application (hereinafter the “User Content”). The User remains the holder of all copyrights and other intellectual property rights to content that meets the characteristics of a protected subject matter under Act No. 185/2015 Coll., the Copyright Act (zákon č. 185/2015 Z. z. Autorský zákon).

2. The User hereby grants the Provider a non‑exclusive, territorially unlimited, royalty‑free, and sublicensable license to use the User Content in connection with operating the Application and providing services. The license includes the Provider’s authorization in particular to:

   • copy, store, modify, and process the content,
   • create derivative works,
   • publish it, display it, transmit it, distribute it, and use it for marketing purposes,

   for the duration of the Agreement, or for the term of the property rights in the work.

3. The User is responsible for having all rights and consents necessary to insert or make available the User Content and for not infringing third‑party rights by doing so.

4. The User must not insert or share illegal content through the Application, content infringing intellectual property rights, content depicting violence, pornography, racial, religious, or other discrimination, defamation, disinformation, or other content contrary to legal regulations or good morals.

5. The Provider does not as a rule perform preventive control of User Content; however, it is entitled to remove any content or restrict access to it if it has a reasonable suspicion that it violates these Terms or legal regulations.

6. The Provider is not responsible for the accuracy, completeness, or currency of data inserted by the User into the Application or synchronized from other sources, nor for any consequences of its use, nor for damage that may arise to the User in this connection.

7. The User is obliged to ensure backup of data inserted or synchronized within the Application. The Provider is not responsible for its loss or for any damage that may arise to the User in this connection.

9. Professional and Financial Recommendations

1. Based on data entered or synchronized by the User (in particular data on Payment Accounts), the Application may provide personalized recommendations regarding the User’s financial health, as well as the display of advertising or commercial offers of third parties.
2. The User acknowledges that no recommendations, analyses, calculations, or commercial offers provided through the Application constitute professional financial, tax, accounting, investment, or legal advice within the meaning of special regulations.
3. The Provider provides no guarantees that the information or recommendations presented in the Application are accurate, complete, or suitable for the User’s specific financial situation and is not liable for damage that could arise as a result of their use.

10. License and Ownership of the Application

1. The Application, including all of its components, source code, graphic elements, databases, trade name, logo, and all intellectual property rights, is the exclusive property of the Provider or its contractual partners (licensors). No provision of these Terms may be interpreted as a transfer or grant of ownership rights to the Application or as a transfer of copyrights to the Application.
2. The Provider grants the User a limited, non‑exclusive, non‑transferable, and non‑sublicensable license to use the Application and the Paid Features on devices that the User owns or controls, solely for personal and non‑commercial purposes.
3. The User is not authorized to rent, provide, sell, copy, sublicense, distribute, or otherwise commercially exploit the Application or its parts. The User is also not authorized to:
   • interfere with the source code of the Application,
   • perform reverse engineering, decompilation, disassembly, or any other interference with its structure,
   • circumvent technical protections that protect the Paid Features,
   • remove or modify copyright notices, trademarks, or other proprietary notices.
4. The Application may include components or libraries of third parties that are licensed under the specific licensing terms of such entities. In such a case, their licensing rules apply accordingly.

11. Technical Requirements and Compatibility

1. Current system and hardware requirements, technical limitations, and other conditions for using the Application are listed in the relevant description of the Application on the platform (the Provider’s web interface or, as applicable, the App Store or Google Play).
2. The Provider is not liable for non‑functionality or limited operation of the Application caused by the User’s device incompatibility, an outdated version of the operating system on the User’s device, or an outdated version of the Application.
3. The User is obliged to ensure that their device meets the minimum technical requirements necessary for the proper operation of the Application and its Paid Features.

12. Maintenance and Technical Support

1. The Application is subject to ongoing development. The Provider reserves the right, in its sole discretion, at any time to:

   • update the Application,
   • change its functionality or nature,
   • modify, add, or remove individual features,

   without prior notice to the User.

2. The User acknowledges that the Provider has no statutory or contractual obligation to ensure continuous maintenance or updates of the Application.

3. The Provider does not guarantee uninterrupted availability of services. Temporary unavailability of the Application or integrated third‑party services may occur due to maintenance, technical problems, internet connection outages, or other circumstances beyond the Provider’s control.

4. In case of questions, problems, or suggestions, the User may contact the Provider through the contact details listed in the Application or on the Provider’s website. The User acknowledges that technical support for Users is limited by the Provider’s capacity, and User requests are processed on a rolling basis; the Provider reserves the right to determine the order in which requests are handled.

13. Paid Features and Prices

1. The Application is available as paid from the first registration and creation of the User’s account.
2. Paid Features may be unlocked by purchasing a subscription (“Subscription”) according to the selected time plan in the Application. The Subscription is concluded for the period stated in the order, whereby the User may choose a period from one (1) month up to twelve (12) months.
3. Prices are displayed in the User’s local currency (if the platform supports a local currency) and may also include the applicable value added tax. The Provider reserves the right to change prices and subscription terms at its discretion. The updated price list is valid from the date of its publication on the Provider’s web interface and in the Application.
4. Use of the Application and data downloads may incur additional internet connection costs, which are borne by the User according to the rates of their internet service provider.

14. Payments and Refunds

1. The Subscription is purchased by clicking the “BUY” button in the Application’s purchase dialog window, which displays information on the type of billing, price, and duration of the Subscription. By clicking the button, the User enters into the Agreement under these Terms.
2. The text of the Agreement is not recorded in a format accessible to the User in the case of an electronic purchase; however, the purchase confirmation and invoice are available through the Application or by email.
3. If the User is a consumer with habitual residence in an EU Member State, by clicking the “BUY” button they also give consent to the immediate start of performance pursuant to Act No. 108/2024 Coll. on Consumer Protection and on Amendments and Supplements to Certain Acts (zákon č. 108/2024 Z. z. o ochrane spotrebiteľa a o zmene a doplnení niektorých zákonov), thereby waiving the right of withdrawal from the Agreement for the duration of the provision of the service.
4. Payment for the Subscription is due immediately after the purchase is completed. Performance begins immediately after a successful transaction by electronic means. An internet connection is necessary to make the purchase and may be charged by the internet service provider.
5. The Subscription automatically renews for a period of the same length unless the User cancels it before the end of the current period. The subscription price is charged on the first day of the new period. Cancellation of the Subscription is possible at any time, taking effect upon the expiration of the current period.
6. The Provider does not provide refunds for purchases made within the Application, except to the extent required by law.
7. Available payment methods may include credit and debit cards, gift cards, PayPal, and others, with specific options varying by the distribution platform. The Provider itself does not store payment data nor process payments; the Provider stores only the last 4 digits of the bank card used to make the payment. Payment processing lies exclusively with the distribution platform or the payment solution provider.

15. Trial Period

1. The Provider offers a subscription with a 7‑day trial period without payment, with payment details required for activation.
2. After the trial period expires, a regular monthly Subscription is automatically activated unless the User cancels the Subscription before the end of the trial period. The first payment is made on the first day after the end of the trial period.
3. By starting the trial Subscription and providing payment details, the User agrees to potential future charges for the Subscription.

16. Personal Data Protection

1. By using the Application, the User acknowledges that the Provider processes personal data to the extent necessary to provide services under these Terms, in accordance with Act No. 18/2018 Coll. on Personal Data Protection (zákon č. 18/2018 Z. z. o ochrane osobných údajov) and Regulation (EU) 2016/679 (GDPR).
2. Details on the scope, purpose, method of processing, and the User’s rights are set out in the “Privacy Policy,” which forms an integral part of these Terms and is published on the Provider’s web interface.
3. The User may withdraw their consent to the processing of personal data at any time directly in the Application or by sending an email to alex@vixentech.co, without adverse consequences for the right to terminate or change the Subscription.

17. Warranties and Limitation of Liability

1. To the maximum extent permitted by applicable law, the Provider shall not be liable for any direct, indirect, incidental, special, punitive, or consequential damages, including, without limitation, loss of data, profit, property damage, or other intangible or economic losses arising in connection with the use of or inability to use the Application or integrated third‑party services, in particular due to:

   • reduced availability of services,
   • cancellation or modification of services,
   • hacker attacks,
   • failures, malfunctions, or other errors in the operation of the Application or integrated third‑party services,

   even if the Provider has been advised of the possibility of such damages.

2. The Provider’s total liability to the User for all damages may not exceed the amount of the Subscription paid.

3. The User expressly acknowledges and agrees that use of the Application and integrated third‑party services is at their own risk. All risks, particularly those related to quality, performance, fitness for a particular purpose, accuracy, security, and effort, remain solely with the User.

4. The Application and integrated third‑party services are provided “as is” and “as available” at the time of provision without any explicit or implied warranties, except for the warranties set out in these Terms.

18. Indemnification

1. The User undertakes not to seek any liability from the Provider, its managing directors, employees, and other representatives for any liability to third parties in connection with the use of the Application and integrated third‑party services.
2. The User is responsible for all third‑party claims, direct or indirect damages, loss of profit, legal proceedings, attorneys’ fees, and other expenses arising in connection with their use of the Application.

19. Third‑Party Services

1. The Application may contain or integrate third‑party services or their content (e.g., Facebook Login, APIs). The User acknowledges that the use of such services may be subject to additional terms, including privacy policies, and that the Provider does not guarantee uninterrupted availability of such services or content.
2. The User undertakes to comply with all applicable terms of the third‑party service provider when using them.
3. The fact that the Application integrates or otherwise contains third‑party services or content does not imply any form of approval or endorsement of the Application by such third parties.

20. Restrictions

1. The User hereby declares and warrants that they are not located in a country that is subject to sanctions by the Slovak Republic or the European Union, nor in a country designated by the Slovak Republic or the European Union as supporting terrorism, and that they are not listed on any of the lists of prohibited or restricted persons maintained by the Slovak Republic or the European Union.
2. The User undertakes to comply with all relevant international and national sanctions regulations when using the Application and related services.

21. Information for Consumers

1. Supervision and control in the field of consumer protection is carried out by the Slovak Trade Inspection (SOI), address: Bajkalská 21/A, P. O. BOX 29, 827 99 Bratislava (email: podnety@soi.sk), or by another competent Slovak authority pursuant to Act No. 108/2024 Coll. on Consumer Protection and on Amendments and Supplements to Certain Acts, as amended (zákon č. 108/2024 Z. z. o ochrane spotrebiteľa a o zmene a doplnení niektorých zákonov v znení neskorších predpisov).
2. In the event of a consumer dispute between the User and the Provider that cannot be resolved by mutual agreement, the User has the right to turn to alternative (out‑of‑court) dispute resolution.

22. Governing Law and Dispute Resolution

1. Unless otherwise provided by law or legal regulation, these Terms, as well as any disputes or claims arising from or in connection with them, are governed by the legal order of the Slovak Republic.
2. All court disputes shall be resolved before the courts of the Slovak Republic that have subject‑matter and local jurisdiction according to the location of the Provider’s registered office in the Slovak Republic.

23. Severability of Provisions

1. If any provision of these Terms is considered invalid or unenforceable to any extent, such invalidity or unenforceability shall in no way affect the validity or enforceability of the remaining provisions of these Terms.
2. The invalid provision shall apply to the maximum extent permitted by the legal order or shall be deemed replaced by a provision that is valid and enforceable and that most closely reflects the original intent and purpose of the affected provision.

24. Language of the Terms

1. The primary languages of communication between the User and the Provider are Slovak, English, French, and Russian.
2. All information about the Application is always available in Slovak and English, or in other available languages.
3. These Terms are available exclusively in Slovak, English, French, and Russian, and these languages are decisive and binding for all contracts concluded on the basis of these Terms. In the event of a discrepancy between the interpretation of these Terms in Slovak and in other languages, the Slovak version of the Terms is decisive and takes precedence over the version of the Terms in other languages.

25. Complaints and Contacts

1. Questions, complaints, or claims regarding the Application may be sent to the contact address: Vixen Tech s. r. o., Jelenia 1, 811 05 Bratislava or via the contact form.
2. The Provider is obliged to handle complaints and claims without undue delay in accordance with applicable legal regulations, including Act No. 108/2024 Coll. on Consumer Protection and on Amendments and Supplements to Certain Acts, as amended, and regulations relating to electronic commerce (zákona č. 108/2024 Z. z. o ochrane spotrebiteľa a o zmene a doplnení niektorých zákonov v znení neskorších predpisov a nariadení týkajúcich sa elektronického obchodu).
3. The Provider is obliged to inform the User about the handling of the complaint by email.

26. Validity of the Terms

1. These Terms are valid from 15 October 2025.
2. The validity of these Terms lasts until the effective date of their update or the effective date of new Terms.