Terms & Conditions
Please read these Terms & Conditions carefully before using Saviora. By accessing or using our platform, you agree to comply with these terms.
Introduction
Welcome to Saviora("we," "our," or "us"). These Terms & Conditions ("Terms") govern your access to and use of Saviora's personal finance application, web platform, mobile applications, software, tools, and related financial tracking services (collectively, the "Services").
By creating an account, downloading our application, or accessing any part of our platform, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must immediately cease accessing and using Saviora.
Important Notice: Please review these Terms thoroughly before using Saviora. Your continued use of the platform constitutes ongoing legal acceptance of these Terms and any subsequent revisions.
Accounts & User Responsibilities
To access Saviora's personal finance budgeting tools, you must register and maintain an active account. You agree to uphold the following account standards and security responsibilities:
Accurate Information
Provide truthful, current, and complete registration information during account onboarding.
Keep Data Updated
Promptly update your profile and email details whenever changes occur.
Protect Login Credentials
Maintain absolute confidentiality over your password and account authentication tokens.
No Password Sharing
Do not transfer, sell, or permit third parties to access or utilize your account credentials.
Report Security Breaches
Notify support@saviora.com immediately if you suspect unauthorized access or credential compromise.
No Impersonation
Do not create accounts using misleading usernames, fake identities, or unauthorized business names.
Account Suspension & Termination: Saviora reserves the right to suspend, restrict, or permanently terminate accounts that violate these Terms, engage in fraudulent activities, or disrupt system stability, without prior notice or liability.
Intellectual Property
The Saviora platform, including all underlying source code, algorithms, software architectures, user interfaces, branding assets, graphic designs, copy, and documentation, is the exclusive intellectual property of Saviora and its licensors:
Copyright
All original platform content, documentation, and user interfaces are protected under global copyright laws.
Trademarks
The 'Saviora' name, logo, taglines, and associated brand icons are proprietary registered trademarks.
Software Code
Proprietary financial calculation algorithms and mobile app source codes belong exclusively to Saviora.
Branding
Visual aesthetics, color systems, typography combinations, and UI layouts remain fully protected.
Designs
Custom financial dashboards, budget visualization charts, and interactive widgets are proprietary.
Content
Financial guides, tooltips, analytical reports, and system messages are protected assets.
Note: Users are granted a limited, non-exclusive, non-transferable, revocable license to access Saviora solely for personal financial management purposes.
Limitation of Liability
To the maximum extent permitted by applicable law, Saviora, its officers, directors, employees, partners, suppliers, or licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages:
- Loss of profits or revenue
- Loss of personal or financial data
- Loss of business opportunities
- Financial investment decisions
- Unauthorized third-party access
- Third-party service interruptions
In no event shall Saviora's aggregate liability exceed the total amount paid by you to Saviora during the twelve (12) months preceding the claim, or $100 USD, whichever is lower.
Disclaimer "AS IS" & "AS AVAILABLE"
Saviora provides personal budgeting and financial organization tools. The platform is provided strictly on an "AS IS" and "AS AVAILABLE" basis without warranties of any kind, whether express, implied, or statutory.
No Continuous Guarantee
No warranty that platform access will be uninterrupted or operating without temporary downtime.
No Error-Free Guarantee
No guarantee that software calculations or feature displays will be completely error-free.
Defects Correction
While we fix reported bugs, we do not warrant that all software defects will be instantly corrected.
Virus & Threat Safety
Users are advised to maintain device security; we do not warrant complete immunity from external threats.
User Expectations
No guarantee that Saviora will meet every individual's unique financial management expectations.
Governing Law & Legal Provisions
These Terms shall be governed, construed, and enforced in accordance with the applicable laws of the jurisdiction in which Saviora is legally established, without regard to conflict of law principles.
If any provision of these Terms is held invalid or unenforceable, that provision will be severed, and remaining provisions will remain in full effect.
These Terms and Privacy Policy constitute the complete and exclusive agreement between you and Saviora regarding platform usage.
Our failure to enforce any right or provision of these Terms shall not be deemed a waiver of such rights or future enforcement.
Platform Availability & Technical Requirements
Saviora strives to maintain optimal availability across supported operating systems and mobile devices. Platform operations rely on the following technical conditions:
Android & iOS Support
Compatible with modern Android (8.0+) and iOS (14.0+) mobile operating systems.
Internet Connection
Requires stable Wi-Fi or mobile data connectivity to sync budget databases.
Network Dependency
Data synchronization speeds depend on local Internet Service Provider performance.
Device Compatibility
Features may vary based on hardware specifications and OS permissions.
Planned Maintenance
Occasional scheduled downtime for security patches and cloud upgrades.
Feature Updates
Regular feature enhancements, UI improvements, and performance upgrades.
Service Modifications: Saviora reserves the right to modify, suspend, or discontinue any platform feature at any time without prior notice. Support and SLA response times may be limited for free or trial account tiers.
Inactive Accounts Timeline
To maintain database optimization and system efficiency, Saviora manages inactive accounts according to a structured 3-stage lifecycle timeline:
Active Account
Full active access. All financial records and settings are encrypted and instantly synchronized across your devices.
18 Months Inactive
If no login activity occurs for 18 consecutive months, personal account data may be securely archived in encrypted cold storage.
24+ Months Inactive
Accounts remaining inactive past 24 months are queued for permanent deletion and cryptographic data purging.
Archive Data Recovery Feasibility: Archived data from Stage 2 may be recoverable upon request, subject to technical feasibility and applicable service or data restoration processing fees.
Changes to Terms & Conditions
Saviora reserves the right to amend, update, or replace these Terms & Conditions at any time. Updates may reflect legal requirements, feature additions, or operational adjustments.
We will notify users of significant changes by updating the "Last Updated" date on this page and, where appropriate, displaying in-app banner announcements or emailing registered users. Your continued use of Saviora after any updates become effective constitutes acceptance of the revised Terms.
Have Questions About These Terms?
If you have questions, inquiries, or feedback regarding these Terms & Conditions, please reach out to our legal and support team.
Saviora Legal & Compliance Department • Response window: 24-48 business hours