Terms of Service

Introduction

Welcome to Aura. These Terms of Service ('Terms') govern your access to and use of our financial management application and services. By accessing or using Aura, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use our services.

Service Provider

Aura is operated by **Obrt Indigo**, a registered business entity with the following details:

• **Legal Name**: Obrt Indigo
• **Location**: 77000 Bihać, Bosnia and Herzegovina
• **Identification Number**: 4364553650000

Acceptance of Terms

By creating an account or using Aura, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You must be at least 18 years old to use our services.

Account Responsibilities

When you create an account with Aura, you are responsible for:

• **Accurate Information**: Providing accurate, current, and complete information
• **Account Security**: Maintaining the security and confidentiality of your password
• **Account Activity**: All activities that occur under your account
• **Unauthorized Use**: Notifying us immediately of any unauthorized use of your account
• **Personal Use**: Using the service for personal, non-commercial purposes only

Service Description

Aura provides personal finance management tools including:

• Transaction tracking and categorization
• Income and expense management
• Savings and investment tracking
• AI-powered financial insights and recommendations
• Receipt scanning and processing (for paid plans)
• Budget planning and project management

We reserve the right to modify, suspend, or discontinue any part of our services at any time with or without notice. We are not liable for any modification, suspension, or discontinuance of the service.

Payment Processing & Merchant of Record

When you make a purchase through Aura, you are entering into a contract with Polar, not directly with us. Polar processes all payments, handles billing inquiries, manages subscriptions, and processes refunds on our behalf. We never store or have access to your credit card information - all payment data is securely handled by Polar via Stripe in compliance with PCI DSS standards. For more information about how Polar handles your payment data, please visit Polar's Privacy Policy at polar.sh/legal/privacy.

Subscription and Payment

Aura offers both free and paid subscription plans:

• **Free Plan**: Basic features are available at no cost
• **Paid Plans**: Pro and Premium plans with AI features require a subscription
• **Billing**: Subscriptions are billed monthly or annually in advance through Polar
• **Auto-Renewal**: Subscriptions automatically renew unless cancelled
• **Cancellation**: You may cancel your subscription at any time from your account settings or through Polar's customer portal
• **Refunds**: Refunds are handled by Polar on a case-by-case basis and are not guaranteed
• **Price Changes**: We reserve the right to modify subscription prices with 30 days notice
• **Disputes**: Any billing disputes or payment issues should be directed to Polar's customer support at polar.sh

User Content and Data

You retain all rights to the financial data and information you input into Aura. By using our services, you grant us a limited license to:

• Store and process your data to provide the services
• Use aggregated, anonymized data to improve our services
• Generate AI insights and recommendations based on your data

You are responsible for the accuracy of the data you input and for maintaining backups of your important information.

Prohibited Use

You agree not to use Aura to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights
• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Use the service for commercial purposes without authorization
• Share your account with unauthorized users
• Reverse engineer or decompile our software
• Scrape or harvest data from our platform

Intellectual Property

All rights, title, and interest in Aura, including software, designs, logos, and content, are owned by us or our licensors. You may not copy, modify, distribute, or create derivative works without our express written permission.

AI-Powered Features and Financial Disclaimers

Our AI features are designed to help you track, organize, and visualize your financial data. IMPORTANT DISCLAIMERS:

• **NOT Financial, Investment, or Legal Advice**: Aura and its AI features do NOT provide financial advice, investment advice, tax advice, legal advice, or recommendations that influence buying, selling, or investment decisions. Our AI is strictly informational and assists only with data organization and visualization.
• **No Influence on Financial Health**: We do NOT provide advice on financial health, creditworthiness, debt management strategies, or any financial planning decisions. All insights are based solely on YOUR entered data and are for informational purposes only.
• **Data Organization Only**: The AI chatbot is designed exclusively to help you track and organize your personal financial data, provide summaries of your entered transactions, answer questions about your recorded income/expenses/savings, and assist with data entry. It does NOT make recommendations or predictions about future financial outcomes.
• **Consult Professionals**: For personalized financial, investment, tax, or legal guidance, you must consult with qualified professionals such as certified financial advisors, accountants, tax specialists, or attorneys.

Disclaimer of Warranties

Aura is provided 'as is' and 'as available' without warranties of any kind, either express or implied. We do not guarantee that:

• The service will be uninterrupted, secure, or error-free
• The results obtained from using the service will be accurate or reliable
• Any errors in the service will be corrected
• The service will meet your specific requirements

Limitation of Liability

To the maximum extent permitted by law, Aura and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or other intangible losses resulting from:

• Your use or inability to use the service
• Unauthorized access to or alteration of your data
• Any conduct or content of third parties on the service
• Any financial decisions made based on information from the service

Indemnification

You agree to indemnify, defend, and hold harmless Aura and its affiliates from any claims, liabilities, damages, losses, and expenses arising from your use of the service, violation of these Terms, or infringement of any third-party rights.

Termination

We reserve the right to suspend or terminate your account at any time for violation of these Terms or for any other reason at our sole discretion. You may terminate your account at any time by contacting us or through your account settings. Upon termination, your right to use the service will immediately cease, and we may delete your data in accordance with our Privacy Policy.

Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by posting the new Terms on this page and updating the 'Last Updated' date. Your continued use of Aura after changes become effective constitutes acceptance of the new Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Aura operates, without regard to its conflict of law provisions.

Refunds and Cancellations

All payments for Aura subscriptions are processed through Polar, our authorized payment processor and Merchant of Record. For detailed information about refunds, cancellation rights, and our refund policy, please refer to our Refund Policy which outlines your consumer rights, the 14-day cancellation period, and the process for requesting refunds.

Contact Us

If you have any questions about these Terms of Service, please contact us at:

support@withaura.app