Subledger — Terms of Use

1. Agreement

These Terms of Use ("Terms") govern your access to and use of the Subledger application and related services offered by Asetral ("we", "us", or "our"), together "you" and "us". By downloading, installing, or using the app, you agree to these Terms. If you do not agree, do not use the app. Some app stores or platforms may impose additional terms; where they conflict with mandatory law, the platform terms may also apply to distribution.

2. The service (what the app is—and is not)

The app helps you understand and plan recurring and related personal spending, including by tracking information you provide about subscriptions, bills, optional receipts and fees, warranty-style records, image attachments, and similar entries. The app is an awareness and organization tool.

The app is not a bank, lender, insurer, utility provider, investment adviser, accountant, tax adviser, or legal adviser. It does not connect to your financial institutions, verify charges with providers, or guarantee that any bill/subscription can be paid, disputed, changed, or cancelled on any particular date.

Any totals, "monthly equivalent" values, projections, categories, and reminder suggestions are approximate outputs based on data you provide and app formulas.

3. Eligibility and account

You must be able to form a binding contract in your jurisdiction, or you must have a parent or guardian’s permission where required. If you use email/password or other sign-in, you must provide accurate information and keep credentials secure. You are responsible for all activity on your account. You must notify us (via store-listed contact) if you suspect unauthorized use. We may suspend or remove accounts for breach of these Terms, fraud, or legal reasons.

4. User content and license from you

You retain ownership of data and files you input or attach. You grant us a non-exclusive, worldwide, royalty-free license to host, process, copy, and display your user content as reasonably necessary to run the app and optional cloud services (e.g. sync, storage, and backups for your account) and to improve security and reliability.

You represent that you have rights to upload the content you submit and that it does not violate law or third-party rights. We may remove content or restrict access where required by law, platform policy, or these Terms.

This license ends when you delete such content or your account, except to the extent we must retain it for law, security, fraud prevention, or legitimate backup windows.

5. Our intellectual property

The app, name, design, and related content (excluding your data and third-party materials) are owned by us and our licensors. We grant you a personal, non-transferable, non-sublicensable, revocable license to use the app in object-code form in line with the store and these Terms. You may not reverse engineer, decompile, scrape, or attempt to obtain source code, except where mandatory law allows.

6. Acceptable use

You will not: (a) use the app in violation of law; (b) attempt to break, overload, or compromise the app, Firebase, or other infrastructure; (c) use the app to store or process unlawful, defamatory, or infringing content; (d) upload malware; (e) use the app to send spam; (f) resell, sublicense, or redistribute the app without our consent; (g) use automated means to access the app in a way that impairs the service, except with our prior written permission where applicable.

7. Third-party services

The app relies on or may display third parties (e.g. Google Firebase, AdMob, authentication providers, and operating-system services). Your use of those is also subject to their terms and privacy policies. We are not responsible for third-party failures, optional links, or content outside the app.

8. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE APP AND ANY CONTENT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED, ERROR-FREE, OR SECURE OPERATION, OR THAT DATA WILL NOT BE LOST. YOU ARE SOLELY RESPONSIBLE FOR FINANCIAL, TAX, AND CONTRACT DECISIONS; YOU RELY ON THE APP AT YOUR OWN RISK.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL WE, OUR AFFILIATES, OR OUR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS, ARISING FROM USE OF OR INABILITY TO USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY. OUR AGGREGATE LIABILITY FOR ANY CLAIMS RELATING TO THE APP IN ANY TWELVE-MONTH PERIOD IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE APP (IF ANY) IN THAT PERIOD, OR (B) ONE HUNDRED (100) CURRENCY UNITS NOMINAL IN YOUR JURISDICTION, EXCEPT WHERE LIABILITY CANNOT BE LIMITED BY MANDATORY CONSUMER OR OTHER LAW. SOME JURISDICTIONS DO NOT ALLOW THE ABOVE LIMITS; IN THOSE JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE MINIMUM AMOUNT ALLOWED BY LAW.

10. Indemnity

You will defend, indemnify, and hold us harmless from claims, damages, and expenses (including reasonable attorneys' fees) arising from: your use of the app, your data or content, your violation of these Terms, or your violation of third-party rights, except to the extent caused by our willful misconduct as finally adjudicated.

Some jurisdictions do not allow broad indemnity; in those places, the indemnity is limited to the maximum extent permitted by law.

11. Dispute resolution, governing law, and class actions

Unless mandatory local law (including consumer-mandatory forums) provides otherwise, you agree that the law of the jurisdiction in which Asetral is established governs these Terms, without regard to conflict-of-law rules. You agree to bring any dispute in the courts of that jurisdiction, or as otherwise required for consumers in your country. You waive any class-action or class arbitration unless your law prohibits such a waiver, in which case the waiver is limited. For EU/EEA/UK consumers, you may have non-waivable rights in your home country.

12. Termination and suspension

You may stop using the app at any time and delete it from your device. We may modify, suspend, or terminate access to the app or to features, with or without notice, for maintenance, law, or breach. Provisions of these Terms that by their nature should survive (e.g. disclaimers, limits of liability, dispute resolution) will survive termination.

13. App store; fees

If you obtained the app through Apple App Store or Google Play, those platforms are not parties to these Terms, but their rules and payment and refund terms apply. If you ever pay a fee to us (e.g. a future paid tier), the applicable purchase terms and refund policy in the store or our checkout will apply.

14. Change of terms

We may update these Terms. The in-app "Last updated" date will change. If we make material changes, we will provide any additional notice required by law or the platform. Continued use may constitute acceptance, subject to your statutory rights. If you do not agree, stop using the app and delete it.

15. General

If a provision is invalid, the rest remains. Failure to enforce a right is not a waiver. You may not assign your rights; we may assign in connection with a merger or sale. These Terms, together with the Privacy Policy, are the full agreement for the app. Headings are for convenience.

Contact email: contact@asetral.com