1. Subject of the agreement
1.1. This agreement (a public offer) governs the relations between the administration of the zidos trail project (the “Administration”) and the user when using the personal finance service (the “Service”).
1.2. The Service lets you keep records of expenses from bank and card emails: categories, a family budget, receipts, a cashback calculator. A demo mode is available without registration.
1.3. The Service does not accept, store, exchange or transfer cryptocurrency, gives no investment or other financial recommendations and is not a financial adviser. The calculations shown are for reference, and the user makes decisions about their own money independently.
1.4. By starting to use the Service or paying for a plan, the user accepts the terms of the agreement (acceptance of the offer).
2. Plans and prices
2.1. The basic plan is free. The paid PRO plan costs 299 RUB per month or 2 490 RUB per year; for payment in euros, €6.99 per month or €39.99 per year (pricing page). The contents of the plans are shown in the Service. The price may change; for a period that has already been paid for, the price at the time of payment applies.
2.2. Paying for the PRO plan gives access to paid features for the paid term. When the term ends, the Service returns to the basic plan, and accumulated data is kept within the limits of the basic plan.
3. Payment
3.1. Payment is accepted by a payment provider (the “Payment provider”). It processes the payment data; the Administration does not receive or store it. Fees and exchange rates are determined by the payment services and banks.
3.2. The payment obligation is deemed performed from the moment the Payment provider confirms the payment. Access to the PRO plan is opened after the payment is confirmed.
4. Account and user data
4.1. The user is responsible for keeping access to their account secure and for the accuracy of the data they provide, and for having the right to upload the imported data and receipts.
4.2. Do not upload third parties’ data to the Service without their consent, and do not send private keys, seed phrases or passwords for wallets and banks.
4.3. The transaction data and receipts belong to the user. The user may delete them or the whole account by writing to finance@zidos.app.
5. Rules of use
5.1. It is prohibited to use the Service for unlawful purposes, to interfere with its operation, to circumvent plan limits, or to pass access to a paid plan to third parties for payment.
5.2. The Administration may restrict access to an account if the agreement is violated or the Service is abused.
6. Refunds
6.1. Access was not provided. If the PRO plan was not activated after payment, the payment is refundable on a request to finance@zidos.app submitted within 14 days of the payment date. The refund is made by the same method and to the same details; the time to credit depends on the payment service and the bank.
6.2. Access was provided. A digital service to which access has already been opened is deemed rendered and is not refundable, except where a refund is required by law and in the case of a technical error on the Service’s side because of which the paid features do not work: in that case the Administration will correct the error, extend the term or refund the payment.
6.3. Cancelling the renewal of a subscription stops further charges; the period that has already been paid for is not refunded.
6.4. In your request, state the email address of your account and the payment number. The consumer rights provided by law are not limited by the agreement.
7. Liability
7.1. The Service is provided “as is”. The Administration is responsible for rendering the paid service in the manner described in the agreement.
7.2. The Administration is not liable for loss of access to the user’s accounts through the user’s fault, for the actions of payment services, banks and Telegram, for communication outages, or for indirect losses, unless otherwise provided by law. The Administration’s total liability is limited to the amount of the payment for the relevant service, unless otherwise provided by law.
7.3. The user is responsible for keeping access to their accounts secure and for the accuracy of the data they provide.
8. Personal data
8.1. The processing of personal data is described in the Service’s Privacy Policy. By accepting the agreement, the user confirms that they have read it. The zidos portal does not use cookies for tracking. Data is stored for as long as needed to provide the service and keep payment records, after which it is deleted or anonymised. A request for access to data or for its deletion is sent to finance@zidos.app.
9. Changes to the agreement
9.1. The Administration may change the agreement and the prices. The new version takes effect from the moment it is published on the zidos portal and does not affect services that have already been paid for and rendered. The date of the version is shown at the beginning of the document. By continuing to use the Service after the changes, the user accepts the new version.
10. Contacts
10.1. Operator: the administration of the zidos trail project. Email: finance@zidos.app. The parties seek to resolve disputed matters through negotiation.