Last Updated: 1 June 2025

Welcome to Endute. This document constitutes a legally binding agreement ("Agreement") between you ("User," "you," "your") and Endute, ("Company," "we," "us," "our"), governing your use of our web-based personal finance application, Endute (the "Service").

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use and our Privacy Policy, which is incorporated by reference into this Agreement. If you do not agree to these terms, you must not access or use the Service.

1. The Service

1.1. Description: Endute is a secure, web-based personal finance application designed to help users manage their finances. Features include, but are not limited to, budget management, manual and automated transaction tracking, investment portfolio management, tangible asset tracking, financial goal planning, reporting, and multi-currency support (the "Features").

1.2. Third-Party Integrations: The Service integrates with various third-party services to provide its Features, including but not limited to:

• Providers for Open Banking data aggregation to link bank accounts;
• Providers for securities pricing and data;
• Stripe, Inc. for subscription and payment processing.
• Providers for foreign exchange rate data.
• Providers for transactional email delivery.
• Providers for IP geolocation services.

1.3. Service is Informational Only - NO FINANCIAL ADVICE: You explicitly acknowledge and agree that the Service is an informational and organizational tool only. The Company is not a financial advisor, planner, broker, or tax advisor. The Service is not intended to provide any financial, investment, legal, or tax advice. Any information, reports, forecasts, or analysis generated by the Service should not be considered a substitute for professional advice from a qualified expert. Your financial situation is unique, and all financial decisions you make are your own sole responsibility.

2. Eligibility and User Accounts

2.1. Eligibility: You must be at least 18 years old and have the legal capacity to enter into a binding contract to use the Service.

2.2. Registration: You must provide accurate, current, and complete information during the registration process, including a valid email address. You are responsible for keeping this information up-to-date.

2.3. Account Security: You are solely responsible for maintaining the confidentiality of your account credentials, including your password and any Multi-Factor Authentication (MFA) codes or devices. You agree to notify us immediately of any unauthorized use of your account. The Company is not liable for any loss or damage arising from your failure to protect your account.

2.4. User-Provided Data: You are solely responsible for the accuracy, quality, and legality of the data you manually enter into the Service, including but not limited to transaction details, custom asset values, and budget amounts.

3. Subscriptions, Trial, and Payment

3.1. Trial Period: We may offer a one-time free trial to new users. The duration and features of the trial will be specified at the time of sign-up. At the end of the trial period, your access to the Service will be suspended unless you purchase a paid subscription.

3.2. Subscription Plans: The Service is provided on a subscription basis ("Subscription"). By purchasing a Subscription, you agree to pay the recurring fees specified for your chosen plan.

3.3. Billing and Payment: All payments are processed by our third-party payment processor, Stripe. By providing a payment method, you authorize us (via Stripe) to charge the subscription fees automatically on a recurring basis until you cancel. You agree to be bound by Stripe's own terms and conditions.

3.4. Cancellations and Refunds: You may cancel your Subscription at any time through the Customer Portal provided by Stripe or within your user account settings. Your cancellation will take effect at the end of the current billing cycle. Subscription fees are non-refundable, except as required by applicable law.

3.5. Fee Changes: We reserve the right to change our Subscription fees at any time. We will provide you with reasonable prior notice (e.g., 30 days) of any fee changes. Your continued use of the Service after the fee change constitutes your agreement to pay the modified fee.

4. User Conduct and Restrictions

You agree not to do any of the following:

a. Use the Service for any illegal or fraudulent purpose, or in violation of any applicable local, national, or international law.

b. Attempt to reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or underlying structure of the Service.

c. Use the Service to store or transmit infringing, libellous, or otherwise unlawful or tortious material, or to store or transmit material in violation of third-party privacy rights.

d. Interfere with or disrupt the integrity or performance of the Service or third-party data contained therein.

e. Attempt to gain unauthorized access to the Service or its related systems or networks.

f. Use any automated means, such as bots or scrapers, to access the Service.

5. Third-Party Services and Content

5.1. Use of Third-Party Services: Your use of integrated third-party services is subject to their respective terms of use and privacy policies. You are responsible for reviewing and complying with those terms. For example, by linking a bank account, you are granting the provider and us permission to access your financial data as described in the provider terms and our Privacy Policy.

5.2. Disclaimer for Third-Party Data: The Service displays information received from third-party sources, including securities data and currency exchange rates. We do not create, verify, or guarantee the accuracy, completeness, or timeliness of this third-party data. Stock prices, exchange rates, and other market data may be delayed, inaccurate, or incomplete. You agree that the Company is not liable for any errors or delays in this data, or for any actions you take in reliance thereon.

6. Intellectual Property

6.1. Our Intellectual Property: The Service, including its software, code (backend and frontend), design, branding, visual interfaces, graphics, reports, and all other constituent elements, are the exclusive property of Endute and its licensors, protected by copyright, trademark, and other intellectual property laws.

6.2. Your Content: You retain full ownership of the financial data, transaction information, and other personal content you upload or enter into the Service ("User Content").

6.3. License to Us: By using the Service, you grant the Company a worldwide, non-exclusive, royalty-free, sublicensable license to use, host, store, reproduce, modify, format, and display your User Content solely for the purpose of providing, maintaining, and improving the Service for you.

7. Data Privacy and Security

7.1. Privacy Policy: Our collection and use of your personal information is governed by our Privacy Policy. You acknowledge that you have read the Privacy Policy and agree to its terms.

7.2. Security: We implement and maintain reasonable administrative, physical, and technical security safeguards to help protect the security and confidentiality of your User Content. However, you acknowledge that no security system is impenetrable, and we cannot guarantee the absolute security of our systems or your data.

8. Disclaimers of Warranties

8.1. "AS IS" and "AS AVAILABLE": THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND TITLE.

8.2. No Guarantee of Accuracy or Performance: WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR COMPLETELY SECURE. WE DO NOT GUARANTEE THE ACCURACY OF ANY CALCULATIONS PERFORMED BY THE SERVICE, INCLUDING BUT NOT LIMITED TO, CURRENCY CONVERSIONS, INVESTMENT RETURNS (E.G., MWR/XIRR), ACCOUNT BALANCES, OR FORECASTS. ERRORS IN UNDERLYING DATA FROM THIRD PARTIES OR IN OUR OWN ALGORITHMS MAY OCCUR.

9. Limitation of Liability

9.1. Exclusion of Damages: TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY, ITS DIRECTORS, EMPLOYEES, PARTNERS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

a. YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE;

b. ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE;

c. ANY CONTENT OBTAINED FROM THE SERVICE, INCLUDING ANY RELIANCE ON SUCH CONTENT;

d. UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.

9.2. Liability Cap: TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY'S AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED POUNDS STERLING (£100.00) OR (B) THE TOTAL AMOUNT OF SUBSCRIPTION FEES YOU HAVE PAID TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10. Indemnification

You agree to defend, indemnify, and hold harmless the Company and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, or b) a breach of these Terms.

11. Term and Termination

11.1. Term: This Agreement will remain in full force and effect while you use the Service.

11.2. Termination by You: You may terminate this Agreement at any time by cancelling your subscription and ceasing all use of the Service.

11.3. Termination by Us: We may suspend or terminate your account and access to the Service at our sole discretion, without prior notice or liability, for any reason, including but not limited to a breach of these Terms or non-payment of fees.

11.4. Effect of Termination: Upon termination, your right to use the Service will immediately cease. We may, at our discretion, provide you with an opportunity to export your User Content. We have no obligation to maintain your User Content after termination and will delete it in accordance with our data retention policies as outlined in our Privacy Policy.

12. Modifications to the Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect, likely via email or an in-app notification. What constitutes a material change will be determined at our sole discretion. Your continued use of the Service after such modifications become effective constitutes your acceptance of the new Terms.

13. Governing Law and Dispute Resolution

This Agreement shall be governed and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. You agree to submit to the exclusive jurisdiction of the courts of England and Wales to resolve any legal matter arising from this Agreement.

14. General Provisions

14.1. Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding our Service and supersede all prior agreements.

14.2. Severability: If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

14.3. Waiver: No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term.

14.4. Contact Information: For any questions about these Terms, please contact us at: support@endute.com.