Terms & Conditions

These Terms and Conditions ("Terms") govern your access to and use of the Vault Savings Challenge Kit ("Vault", "the Service", "the App"), a web application operated by Saurabh Thakker, an individual residing in Maharashtra, India ("Operator", "we", "us").

By purchasing, accessing, or using Vault, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the Service.

1. The Service

Vault is a digital web application that provides interactive savings challenge tools, including a 52-week savings tracker, envelope challenge, custom goal tracker, no-spend month tracker, loose change jar, and a six-month savings plan. The Service is provided as-is and accessed via a web browser at savewithvault.com.

2. Eligibility

You must be at least 18 years of age to purchase and use Vault. By using the Service, you represent that you meet this requirement and have the legal capacity to enter into a binding agreement.

3. Account Registration

Access to Vault requires creating an account after completing a valid purchase. You are responsible for:

• Maintaining the confidentiality of your account credentials.
• All activity that occurs under your account.
• Notifying us immediately of any unauthorised use of your account.

Accounts are personal and non-transferable. Sharing account credentials with others is a violation of these Terms.

4. Payment and Pricing

Vault is available for a one-time payment of USD $9.99, granting lifetime access to the Service. All payments are processed by Lemon Squeezy, a third-party payment processor. We do not store or have access to your payment card details.

Prices are displayed in US Dollars. You are responsible for any applicable taxes, currency conversion fees, or charges imposed by your financial institution.

5. Refund Policy

6. Lifetime Access — Definition and Limitations

"Lifetime access" as used in connection with the Vault Savings Challenge Kit means access to the Service for the duration of the Service's operational existence, as determined solely by the Operator. It does not mean access for the entirety of your natural lifetime, nor does it constitute a guarantee of perpetual availability.

Specifically, "lifetime access" is subject to the following conditions and limitations:

• Service continuity is not guaranteed. The Operator makes no representation or warranty that the Service will remain available indefinitely. Access is contingent upon the continued operation of the Service by the Operator.
• No entitlement beyond operational life. Your one-time payment purchases access to the Service as it exists and for as long as it is operated. It does not create any vested right, ownership interest, or claim against the Operator beyond what is expressly stated in these Terms.
• Future features. References to "future challenges included free" are made in good faith but do not constitute a binding obligation. The Operator reserves the right to determine what features, if any, are added to the Service.

7. Discontinuation and Exit Clause

The Operator reserves the absolute right to suspend, discontinue, or permanently shut down the Service, in whole or in part, at any time and for any reason, including but not limited to business decisions, financial considerations, technical infeasibility, regulatory changes, or any other circumstance at the Operator's sole discretion.

In the event of permanent discontinuation of the Service:

• Notice. The Operator will use reasonable efforts to provide at least 30 days' prior written notice to registered users via the email address associated with their account. However, in circumstances beyond the Operator's reasonable control (including but not limited to technical failures, legal orders, or force majeure events), such notice may not be possible and the Operator shall bear no liability for failure to provide advance notice.
• No refund obligation. Upon discontinuation of the Service, no refunds, compensation, or credits of any kind shall be owed to users, regardless of how recently a purchase was made or how long the Service has been available. By purchasing access, you expressly acknowledge and accept this condition.
• Data access. The Operator will endeavour to provide users with a reasonable opportunity to export or retrieve their personal savings data prior to shutdown, but makes no guarantee that such functionality will be available in all circumstances.
• Cessation of obligations. Upon discontinuation, all obligations of the Operator to the user under these Terms shall cease, with the exception of any confidentiality or data protection obligations that survive termination by their nature.

By accepting these Terms, you expressly acknowledge that the one-time purchase price of USD $9.99 reflects the nature of this arrangement, including the risk that the Service may not remain available indefinitely, and that you have factored this understanding into your decision to purchase.

8. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable laws.
• Attempt to gain unauthorised access to any part of the Service or its underlying systems.
• Reverse engineer, decompile, or attempt to extract the source code of the Service.
• Share, resell, or sublicense your account access to any other person.
• Use automated tools, bots, or scripts to interact with the Service.
• Introduce viruses, malware, or any harmful code into the Service.

We reserve the right to terminate accounts found in violation of these Terms without notice or refund.

9. Intellectual Property

All content, design, code, text, graphics, and functionality within Vault are the exclusive property of Saurabh Thakker. Nothing in these Terms transfers any intellectual property rights to you. You are granted only the limited right to use the Service as outlined in the License Agreement.

10. Disclaimer of Warranties

Vault is provided "as is" and "as available" without warranties of any kind, express or implied. We do not warrant that the Service will be uninterrupted, error-free, or free of viruses. The savings challenges and tools in Vault are for personal tracking purposes only and do not constitute financial advice.

11. Limitation of Liability

To the maximum extent permitted by applicable law, the Operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of savings, or financial loss, arising out of or related to your use of or inability to use the Service. Our total liability to you for any claims arising under these Terms shall not exceed the amount you paid for the Service (USD $9.99).

12. Modifications to the Service and Terms

We reserve the right to modify or discontinue the Service, or to update these Terms, at any time. Continued use of the Service after any changes constitutes your acceptance of the updated Terms. Material changes will be communicated by updating the date on this page.

13. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of India, including the Indian Contract Act, 1872, and the Information Technology Act, 2000. Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service shall be subject to the exclusive jurisdiction of the competent courts located in Maharashtra, India.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

15. Contact