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.

If you are using the Service on behalf of a company or legal entity, you represent that you have authority to bind that entity to these Terms.

Vexfin is a digital financial organization and analytics tool that allows users to:

• ●Record income and expenses
• ●Track budgets
• ●View financial analytics
• ●Receive automated or AI-generated insights

The Service is provided for informational and organizational purposes only.

Important: Vexfin does not hold or transfer funds, does not execute payments, is not a bank, broker, investment advisor, or financial institution, does not provide tax, legal, accounting, or financial advice, and does not guarantee financial outcomes.

All financial decisions you make are your sole responsibility.

To access certain features, you must create an account.

You agree to:

• ●Provide accurate and complete information
• ●Maintain the security of your login credentials
• ●Immediately notify us of unauthorized access
• ●Accept responsibility for all activities under your account

We may suspend or terminate accounts that violate these Terms.

You agree not to:

• ●Use the Service for unlawful purposes
• ●Interfere with or disrupt system integrity
• ●Attempt unauthorized access to systems or accounts
• ●Reverse engineer, scrape, or exploit the Service
• ●Upload malicious code
• ●Use the Service to store fraudulent or illegal financial records

You are solely responsible for the accuracy of your financial data.

All software, content, features, trademarks, and technology associated with the Service are owned by the lonean.dev or its licensors and protected by international intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal or internal business purposes.

Your financial data remains your property. You grant us a limited license to process and store your data solely to operate and improve the Service.

The Service may provide automated or AI-generated insights.

Such outputs:

• ●Are generated algorithmically
• ●May contain errors or inaccuracies
• ●Are for informational purposes only
• ●Should not be relied upon as professional advice

You acknowledge that AI outputs do not constitute financial, legal, or tax advice.

We strive to maintain Service availability but do not guarantee uninterrupted access.

The Service is provided on an "as available" basis.

We are not liable for:

• ●Data loss
• ●Service interruptions
• ●System outages
• ●Third-party hosting failures

Users are encouraged to maintain independent backups of important data.

If the Service offers paid subscriptions:

• ●Fees are billed in advance
• ●Payments are non-refundable unless required by law
• ●Subscription renews automatically unless canceled
• ●Taxes may apply depending on jurisdiction

We may modify pricing with reasonable notice.

You may terminate your account at any time.

We may suspend or terminate access if:

• ●You violate these Terms
• ●We suspect fraud or misuse
• ●Required by law

After termination:

• ●Access will cease
• ●Data may be permanently deleted after a 30-day grace period

To the maximum extent permitted by applicable law, the Service is provided "AS IS" and "AS AVAILABLE".

We disclaim all warranties, express or implied, including:

• ●Merchantability
• ●Fitness for a particular purpose
• ●Non-infringement
• ●Accuracy or reliability

We do not guarantee that the Service will be error-free or secure.

To the maximum extent permitted by law, the lonean.dev shall not be liable for:

• ●Indirect, incidental, special, consequential, or punitive damages
• ●Financial losses resulting from decisions made using the Service
• ●Loss of profits, revenue, data, or goodwill

Our total aggregate liability shall not exceed the amount you paid us in the preceding 12 months, or USD 100, whichever is greater.

Some jurisdictions do not allow certain limitations, so some parts may not apply to you.

You agree to indemnify and hold harmless the lonean.dev from any claims, damages, liabilities, or expenses arising from:

• ●Your misuse of the Service
• ●Your violation of these Terms
• ●Your violation of applicable laws

The Service is accessible globally.

You are responsible for complying with:

• ●Local laws
• ●Data protection regulations
• ●Financial regulations in your jurisdiction

We make no representation that the Service is appropriate or lawful in all jurisdictions.

These Terms shall be governed by the laws of the Republic of Turkey, without regard to conflict of law principles.

Before initiating formal proceedings, the parties agree to attempt good-faith negotiation for at least thirty (30) days.

If unresolved, disputes shall be finally resolved by binding arbitration under the rules of the Istanbul Arbitration Centre (ISTAC).

• ●Seat of arbitration: Istanbul, Turkey
• ●Language: Turkish
• ●Arbitration shall be conducted individually
• ●Class actions and collective proceedings are waived

Nothing prevents either party from seeking injunctive relief in competent courts to protect intellectual property or confidential information.

If mandatory consumer protection laws in your jurisdiction require local dispute resolution rights, those rights remain unaffected.

Your use of the Service is also governed by our Privacy Policy.

We may update these Terms from time to time.

If changes are material:

• ●We will provide notice via email or in-app notification
• ●Changes will become effective at least 30 days after notice

Continued use constitutes acceptance.

If any provision is found unenforceable, the remaining provisions remain in effect.

These Terms constitute the entire agreement between you and the lonean.dev regarding the Service.

For legal inquiries: legal@lonean.dev