Terms of Use

App: Vung (the “App”) · Last updated: 7 November 2026 · Effective from: [RELEASE DATE]

Tiếng Việt

These terms are between you and [OPERATOR NAME] [Business ID (Y-tunnus), if any], [STREET ADDRESS, POSTCODE, CITY], Finland, [CONTACT EMAIL] (“we”, “us”). By downloading or using the App you accept them. If you do not accept them, do not use the App.

1. Apple’s standard terms

The App is licensed to you, not sold. When you download the App from the Apple App Store, Apple’s Standard Licensed Application End User License Agreement (“Apple EULA”) applies and these terms add to it. Apple is not a party to these terms and is not responsible for the App, its content, maintenance, support or any claims about it, but Apple and its subsidiaries are third-party beneficiaries of the Apple EULA and may enforce it against you. If these terms and the Apple EULA conflict, the Apple EULA applies to the licence and these terms apply to everything else. For Google Play downloads, Google’s terms for the store apply in the same way.

2. What the App is

The App helps you record and understand your own finances: monthly cash flow, debts, assets, a financial-health score from 1 to 10, loan payment calculations, reminders and optional what-if simulations. Your data is stored on your device (see the Privacy Policy).

3. Not financial advice

• The App is a tracking and education tool. It does not give financial, investment, credit, tax or legal advice, and it is not a bank, lender, credit intermediary or investment firm. We do not move or hold money.
• The score, tips and simulations are estimates based only on the numbers you enter and on simplified assumptions. They can be wrong or incomplete, and they are not a prediction of future results.
• Reference rates (such as Euribor) come from third parties, may be delayed or incorrect, and are suggestions only. Always check figures against your bank’s documents before relying on them.
• Make your own decisions, and consult a qualified professional for advice about your situation.

4. Free version and Vung Plus

	Free	Vung Plus
Score, debts, assets, check-ins, reminders	Yes	Yes
Advertising (“Sponsored”)	Yes	No
Extra features (such as custom what-if simulations, export, longer history)	Limited	Yes

Features may change over time. We will not remove a feature you paid for without offering a fair alternative or refund as required by law.

5. Subscriptions and pricing

Prices below are shown in euros including applicable taxes where the law requires it. The price in your own currency is shown in the App Store before you buy and may differ by country.

Plan	Length	Price	Renews
Vung Plus Monthly	1 month	€2.99	Automatically every month
Vung Plus Yearly	1 year	€24.00	Automatically every year
Vung Plus Lifetime (if offered)	One-time	€49.00	Does not renew

• Payment: charged to your Apple ID (or Google Play account) when you confirm the purchase.
• Free trial: if a free trial is offered, it is shown before you subscribe (for example 7 days). The unused part of a free trial is forfeited when you buy a subscription. After the trial the plan renews at the price shown unless you cancel at least 24 hours before the trial ends.
• Automatic renewal: subscriptions renew automatically unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends, at the same price unless we tell you otherwise.
• Manage or cancel: on iPhone, go to Settings → your name → Subscriptions. On Android, open Google Play → Payments & subscriptions → Subscriptions. Deleting the App does not cancel a subscription.
• When a subscription ends: you return to the free version. Your data stays on your device and the free features keep working; Plus features and the ad-free experience stop.
• Restore: use “Restore purchases” in the App to restore Plus on a new device with the same Apple ID or Google account.
• Price changes: if the price of a subscription changes, Apple or Google will tell you and, where required, ask for your consent before the new price applies.
• Refunds: purchases are handled by Apple or Google. Request a refund at reportaproblem.apple.com (Apple) or through Google Play. This does not affect your legal rights.
• Right of withdrawal (EU/EEA consumers): you normally have 14 days to withdraw from a distance contract. When you buy digital content or a digital service and ask us to start immediately, you agree that performance begins immediately and, once the service has been fully provided, you lose the right of withdrawal. For a subscription, you keep the right to withdraw during the first 14 days, but must pay a proportionate amount for what you have already used. Apple or Google may process the refund.

6. Advertising

The free version shows ads labelled “Sponsored”, served by third parties. We do not control and are not responsible for advertisers’ products, statements or websites, and ads are not recommendations by us. See the Privacy Policy for how ad data is handled. Do not click ads or use them in ways that breach the ad network’s rules.

7. Your responsibilities

• You are at least 18 years old, or the age of majority in your country if higher.
• You enter information as accurately as you can and you are responsible for decisions you make using the App.
• You will not copy, modify, reverse-engineer or misuse the App or try to bypass ads, payments or technical limits, except as the law allows.
• You keep your device secure. Your data is stored on your device, so protect it with a passcode or biometric lock.

8. Your data and backups

Your data is stored only on your device. We cannot access or restore it. If you delete the App, reset or lose your device, or use “Delete all data”, your data may be permanently lost. Your device’s own backup may keep a copy if you have enabled it. You are responsible for making backups you rely on, for example by using the export feature if you have Plus.

9. Changes and availability

We may update the App, add or change features, or stop offering it. We try to keep it available but it is provided as is and may contain errors or be unavailable. We may change these terms; for material changes we will tell you in the App, and if you do not agree you can stop using the App and cancel your subscription.

10. Intellectual property

We (or our licensors) own the App, its name, design and content. We give you a personal, non-exclusive, non-transferable, revocable licence to use the App on your own devices for your own personal, non-commercial use, subject to these terms and the Apple EULA. The data you enter belongs to you.

11. Warranties and liability

• The App is provided “as is” and “as available” to the extent the law allows. We do not guarantee that it is error-free or that its results, scores or reference data are accurate or suitable for your purposes.
• To the extent the law allows, we are not liable for indirect or consequential loss, lost profits, or loss of data stored on your device, or for financial decisions you make using the App.
• We do not limit liability for death or personal injury, for intent or gross negligence, or for anything that cannot be limited under mandatory law.
• If you are a consumer, nothing in these terms affects your mandatory statutory rights, including rights under consumer law about digital content and digital services in your country.

12. Ending your use

You may stop using the App at any time by deleting it (and cancelling any subscription). We may suspend or end your access if you seriously breach these terms. Sections that by their nature should continue (for example intellectual property and liability) continue after that.

13. Governing law and disputes

These terms are governed by the laws of Finland. If you are a consumer in the EU/EEA, you also keep the protection of the mandatory consumer law of the country where you live, and you may bring a claim in the courts of that country. In Finland, consumers can get free advice from the Competition and Consumer Authority’s consumer advisory service and take disputes to the Consumer Disputes Board (kuluttajariitalautakunta). For other users, the courts of Finland have jurisdiction.

14. Contact

[OPERATOR NAME], [STREET ADDRESS, POSTCODE, CITY], Finland · [CONTACT EMAIL]