Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you and NFTeam s.r.o., a company registered in the Slovak Republic with its seat at Hradná 168/2, 945 01 Komárno, Slovak Republic, IDČO: 50 599 500, DIČ: 21 2040 8719 (“we”, “our”, or “us”), the operator of RevTrackr. These Terms govern your access to and use of our financial management platform (the “Service”).

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not access or use the Service.

2. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. By using the Service, you represent and warrant that you meet this requirement and that you have the legal capacity to enter into these Terms.

3. Account Registration

To access most features, you must create an account. You can register with an email and password, with a passkey, or by signing in with a supported identity provider (Google or GitHub). When you register with an email and password we send a confirmation link to that address; the link expires after seven days and you can request a new one from your dashboard. Accounts registered through a verified identity provider are treated as confirmed automatically. You can connect or disconnect identity providers from your account settings at any time, subject to keeping at least one valid sign-in method on file. You agree to:

• Provide accurate, current, and complete information.
• Maintain and update your information as needed.
• Keep your password, passkeys, connected sign-in providers, and access tokens secure and confidential.
• Be responsible for all activity that occurs under your account, including activity initiated through API keys you generate.
• Notify us immediately of any unauthorized access or security breach.

We reserve the right to suspend, disable, or terminate accounts that violate these Terms or that we reasonably suspect of fraudulent or harmful activity.

4. Subscription and Billing

4.1 Plans

The Service is offered in Free, Plus, Pro, and Ultra tiers. The Free tier includes core tracking with a single business and a monthly transaction cap. The Plus tier removes the monthly transaction cap and allows multiple businesses, but does not include AI features, team collaboration, or API access. The Pro and Ultra tiers add the AI assistant, AI receipt reader, team collaboration, API access, advanced reporting, and additional features described on our pricing page. We reserve the right to modify plans, features, and pricing at any time, with reasonable notice for active subscribers.

4.2 Payments

Paid subscriptions are billed in advance on a recurring basis through our payment processor, Stripe. By providing payment information, you authorize us (through Stripe) to charge the applicable fees to your payment method. All amounts are stated exclusive of any applicable taxes, which will be added where required.

4.3 Trials

The Pro and Ultra plans include a 14-day free trial when started directly through Stripe checkout. You can cancel any time during the trial and you will not be charged. The Plus plan is billed from day one at its monthly or yearly price and does not include a trial; you can cancel any time before the next renewal.

4.4 Renewals and Cancellation

Subscriptions automatically renew unless cancelled before the renewal date. You may cancel your subscription at any time through your account billing settings. Cancellation takes effect at the end of the current billing period; until then, you continue to have access to the paid features.

4.5 Plan Downgrades and Business Limits

If you downgrade to a plan whose business cap is lower than the number of businesses you currently own, the additional businesses remain in your account but become read-only until you either re-upgrade or delete enough businesses to bring your account within the new tier’s limit. We never delete your data automatically as a result of a downgrade.

4.6 Subscription Codes

We may from time to time issue subscription codes that grant temporary access to paid features (Plus, Pro, or Ultra). Each code may have its own expiry, redemption limit, and granted plan. Codes are non-transferable, have no cash value, and may be revoked if obtained or used in violation of these Terms. Access granted by a code ends at the date specified at redemption unless replaced by a paid Stripe subscription.

4.7 Refunds

Except where required by law, fees are non-refundable. We may, at our sole discretion, issue refunds or credits on a case-by-case basis.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful, fraudulent, or harmful purpose.
• Upload or transmit malicious code, viruses, or harmful content, or upload files that you do not have the right to store.
• Attempt to gain unauthorized access to the Service, other users’ accounts, or other tenants’ data.
• Reverse engineer, decompile, or otherwise attempt to derive the source code of the Service.
• Interfere with or disrupt the integrity or performance of the Service, including by sending excessive AI assistant requests, abusing webhook delivery, or attempting to bypass rate limits.
• Use automated systems (bots, scrapers) to access the Service outside of the API we provide for that purpose.
• Share, sell, or transfer API keys, accounts, or subscription codes outside the permissions we grant.
• Resell, sublicense, or commercially exploit the Service without authorization.
• Violate any applicable laws, regulations, or third-party rights.

6. Your Content

You retain ownership of all data and content you submit to the Service (“Your Content”), including transactions, receipts, documents, notes, and AI assistant prompts. By using the Service, you grant us a limited, worldwide, non-exclusive license to host, store, process, transmit, and display Your Content solely to provide and improve the Service, including by passing necessary portions of it to the sub-processors identified in our Privacy Policy.

You are solely responsible for the accuracy, legality, and appropriateness of Your Content. You represent that you have all rights necessary to upload and use it within the Service.

7. AI Assistant and AI Receipt Reader

The AI assistant (Papoy), the dashboard welcome message, and the AI receipt reader are available only on the Pro and Ultra plans. The Free and Plus plans do not include AI features and no data from those accounts is sent to our AI provider. Where AI is available on your plan, the assistant generates responses by sending an aggregated summary of your financial context and your prompt to a third-party inference provider (currently Groq). AI responses are generated automatically and may be inaccurate, incomplete, or out of date. You should independently verify any number, calculation, or recommendation before relying on it.

The AI receipt reader, available on Pro and Ultra plans, sends the URL of a receipt image you explicitly choose to scan to the same inference provider so a vision model can extract merchant, total, currency, date, and a suggested category. The extracted fields are returned to you for review — you decide whether to record the resulting transaction. The reader can misread blurry, partial, or non-standard receipts; always confirm the values before saving.

We rate-limit AI features to keep the Service stable and to manage cost. We may further limit, suspend, or modify AI features without notice if a provider changes its terms or in response to abuse.

8. API Access and Integrations

The Pro and Ultra plans include the ability to create API keys that grant programmatic access to your data. The Free and Plus plans do not include API access. Each key carries explicit permissions (such as read or write access to transactions or business information) and is scoped to a single business. You are responsible for keeping your API keys confidential and for all activity performed using them. You may revoke a key at any time from your settings; revocation takes effect immediately.

Each API key may optionally have a webhook endpoint attached. When subscribed events happen, we send signed POST requests to the URL you provide. You are responsible for the availability, security, and lawful operation of any endpoint you configure, and for safeguarding the signing secret we issue you. Webhook deliveries are best-effort and are not automatically retried; you can resend an event manually from the API management page.

9. Team Members and Shared Businesses

The Pro and Ultra plans include the ability to invite other users to a business and assign them roles. Team members can view and, depending on their role, modify the data associated with that business. The Free and Plus plans do not include team collaboration. You are responsible for managing the membership and roles of your businesses, and for ensuring that you have the right to share with each member the information you make available to them.

10. Intellectual Property

The Service, including all software, text, graphics, logos, and trademarks, is owned by RevTrackr and its licensors and is protected by intellectual property laws. We grant you a limited, non-transferable, non-exclusive license to use the Service in accordance with these Terms. All rights not expressly granted are reserved.

11. Tax and Financial Disclaimer

RevTrackr provides tools to help you track income, expenses, and estimate taxes. The information, calculations, AI responses, and estimates provided through the Service are for informational purposes only and do not constitute legal, tax, accounting, or financial advice.

Tax estimates are based on the data you provide and general rules; they may not reflect your specific situation. You are solely responsible for the accuracy of tax filings and financial decisions. We strongly recommend consulting a qualified tax professional or accountant before making decisions based on information from the Service.

12. Communications

By creating an account, you agree to receive transactional and operational communications from us, including account notices, security alerts, billing notifications, tax deadline reminders, and administrative announcements. These may be delivered by email through our email provider (Resend) and, where you have opted in, as web push notifications through your browser’s push service. You can manage your notification preferences in your account settings and revoke browser push permission at any time.

Broadcast and newsletter emails carry an unsubscribe link in the footer and support one-click unsubscribe in mailbox providers that honor the List-Unsubscribe header (such as Gmail and Yahoo). Unsubscribing from newsletters does not affect transactional emails (such as account verification, password reset, or tax-deadline reminders), which are sent because they are required for the Service to operate.

13. Third-Party Services

The Service relies on the following third-party providers, whose own terms and privacy policies govern their portion of the Service:

• MongoDB Atlas — database hosting.
• Vercel — application hosting, deployment, and analytics.
• Stripe — payment processing and subscription billing.
• Cloudinary — storage and delivery of uploaded images and receipts.
• Resend — transactional email delivery.
• Web push services operated by browser vendors (Google, Mozilla, Microsoft, Apple) for push notification delivery.
• Groq — AI assistant, dashboard welcome message, and AI receipt reader inference.
• Sentry — error monitoring and performance tracing.
• Open Exchange Rates API — public currency conversion rates.

We are not responsible for the acts or omissions of these third parties. If a provider experiences an outage or modifies its service, the Service may be affected.

14. Service Availability

We strive to keep the Service available at all times but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We reserve the right to modify, suspend, or discontinue any part of the Service with or without notice.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE ERROR-FREE, SECURE, OR UNINTERRUPTED, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, REVTRACKR AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED EURO (EUR 100).

17. Indemnification

You agree to indemnify and hold RevTrackr and its affiliates harmless from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, your misuse of API keys, or your violation of any rights of another party.

18. Termination

You may terminate your account at any time through your account settings. We may suspend, disable, or terminate your access to the Service at any time, with or without notice, for any reason, including if you violate these Terms. Upon termination, your right to use the Service ends immediately. Sections that by their nature should survive termination (including ownership, disclaimers, limitations of liability, and indemnification) shall survive.

19. Changes to These Terms

We may modify these Terms from time to time. Material changes will be communicated by posting the updated Terms here and updating the “Last updated” date. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

20. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Slovak Republic, without regard to its conflict of law principles, and subject to applicable mandatory provisions of European Union law. Any dispute arising out of or in connection with these Terms shall be resolved by the competent courts of the Slovak Republic, except where mandatory consumer protection law of your country of residence provides otherwise.

21. Miscellaneous

• Entire agreement: these Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service.
• Severability: if any provision is held invalid or unenforceable, the remaining provisions remain in effect.
• Waiver: our failure to enforce any right is not a waiver of that right.
• Assignment: you may not assign these Terms without our prior written consent. We may assign these Terms freely.

22. Contact Us

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