Terms of Service

Legal agreement governing your use of PopaDex wealth management platform

Effective Date: October 6, 2025 Last Reviewed: October 24, 2026 (pricing update)

Review scope: This revision updates the published web Premium offer to US$5 monthly or US$50 annually, confirmed by the owner on October 24, 2026. It retains PopaDex’s full 30-day money-back guarantee for the first web Premium payment, confirmed by the founder on October 11, 2026, and the reviewed privacy, encryption, recovery and operator descriptions. The historical effective date is retained; this review does not determine which version an existing customer accepted or replace separately agreed terms.

These Terms of Service (“Terms”) describe the agreement for PopaDex (“PopaDex,” “we,” “us,” or “our”), currently operated by Administrative Burden Ltd (England and Wales company number 17363389). By accessing or using PopaDex, you agree to be bound by these Terms.

1. Acceptance of Terms

1.1 Agreement to Terms

By creating an account, accessing our website, or using our services, you:

  • Acknowledge you have read these Terms
  • Understand and agree to be bound by them
  • Represent you have legal capacity to enter into this agreement
  • Agree to comply with all applicable laws

1.2 Age Requirements

PopaDex is for people aged 16 or older. You must also have the legal capacity to agree to the applicable terms, including any permission required under the law that applies to you.

1.3 Updates to Terms

We may modify these Terms at any time:

  • Material changes: 30-day advance notice via email
  • Minor changes: Posted immediately, reflected in “Last Updated” date
  • Continued use = Acceptance of updated Terms
  • Objection: Close your account before changes take effect

2. Service Description

2.1 What PopaDex Provides

Wealth Management Platform:

  • Multi-currency account aggregation
  • Net worth tracking
  • Transaction categorization
  • FIRE (Financial Independence) calculator
  • Financial insights and reports
  • Bank account connections (via Plaid/GoCardless)

Not Provided:

  • ❌ Financial advice or recommendations
  • ❌ Investment management services
  • ❌ Tax preparation or advice
  • ❌ Legal advice
  • ❌ Banking services (we aggregate, not custody)

2.2 Service Availability

Uptime target: 99.5% (excluding scheduled maintenance)

Scheduled maintenance:

No guarantee: Service provided “as is” without uptime guarantees

2.3 Beta Features

Some features may be in beta:

  • Clearly labeled as “Beta”
  • May have bugs or limitations
  • Can be removed or modified at any time
  • Use at your own risk

3. Account Requirements

3.1 Account Creation

Required information:

  • Valid email address
  • Authentication credentials appropriate to your sign-in method; use a strong, unique password for password accounts
  • Additional profile or feature information where needed; a country or profile field is personal information, not automatically exempt from minimisation
  • Acceptance of these Terms

Accuracy: You’re responsible for providing accurate information

3.2 Account Security

Your responsibilities:

  • Keep password confidential
  • Use strong, unique password
  • Enable two-factor authentication (when available)
  • Notify us immediately of unauthorized access
  • Log out from shared/public computers

We are not liable for losses due to compromised credentials you failed to protect.

3.3 One Account Per Person

Prohibited:

  • Multiple accounts for one person
  • Sharing accounts with others
  • Creating accounts for others without permission

Exception: Business/family account features (when available)

3.4 Account Suspension or Termination

We may suspend or terminate your account for:

  • Violation of these Terms
  • Fraudulent activity
  • Abusive behavior toward staff
  • Extended inactivity (12+ months with notification)
  • Legal requirement
  • Non-payment of subscription fees

Notice: Usually 7 days advance notice (unless immediate threat)

Your right: Terminate anytime from Settings → Account → Delete Account

4. Acceptable Use

4.1 Permitted Use

You may use PopaDex to:

  • Track personal finances
  • Aggregate bank accounts
  • Calculate retirement goals
  • Generate financial reports
  • Export your data

4.2 Prohibited Activities

You may NOT:

  • Use service for illegal purposes
  • Violate any laws or regulations
  • Infringe intellectual property rights
  • Upload malicious code or viruses
  • Attempt to hack or breach security
  • Reverse engineer our software
  • Scrape data via automated means
  • Resell or redistribute our services
  • Create derivative works
  • Impersonate others
  • Harass or abuse staff or users

Penalties: Account termination, legal action, referral to authorities

4.3 Compliance with Laws

Your obligation:

  • Comply with all applicable laws
  • Understand tax obligations
  • Follow local financial regulations
  • Report income as required

Our limitation: We provide tools, not legal/tax advice

5. Bank Connections

5.1 Third-Party Services

Connected-bank providers, including Plaid, GoCardless and Yodlee where available:

  • Facilitate secure bank connections
  • Subject to their own Terms and Privacy Policies
  • We don’t control their services
  • Not liable for their performance or security

5.2 Authorization

By connecting banks, you authorize:

  • PopaDex to access account information
  • Ongoing data retrieval
  • Use of data as described in Privacy Policy

Read-only access: We can view, not transact

5.3 Credentials

Provider-mediated connections:

  • Bank login details are handled in the provider or bank flow; this does not mean no connection credentials are stored
  • PopaDex retains access/refresh tokens and connection identifiers for synchronisation, and the backend receives readable provider responses
  • Client encryption after synchronisation does not make the provider/backend flow end-to-end encrypted
  • Protection differs by stored field; service-managed encryption is reversible by the service and some provider token columns lack model encryption
  • Disconnecting a connection does not itself prove provider-side revocation or erasure of every stored copy

See the encryption scope and field inventory and exceptions, including direct broker integrations that may require separate credentials.

Revoking access:

  • From PopaDex: Settings → Connected Accounts → Disconnect
  • From bank: Third-party access settings

5.4 Account Information Accuracy

Bank data accuracy:

  • We display data as received from banks
  • Not responsible for bank errors or delays
  • Transaction categorization is automated (may have errors)
  • Review and correct as needed

Manual accounts: You’re responsible for accuracy of manually entered data

6. Intellectual Property

6.1 Our Property

PopaDex owns:

  • Website and application code
  • Design, logos, trademarks
  • Content we create
  • Database structure
  • Algorithms and processes

Your license: Limited, non-exclusive, non-transferable right to use during your subscription

6.2 Your Data

You own your financial data:

  • Transaction descriptions you enter
  • Custom categories
  • Notes and annotations
  • Any content you create

License to us: You grant us right to:

  • Store and process your data
  • Display data back to you
  • Create aggregate statistics where permitted; hiding identifiers does not establish anonymity and publication requires checking linkability and re-identification risk
  • Improve our services

Encryption scope: Supported financial fields can be encrypted in the client. Server-readable secrets, metadata and copies prevent a whole-service zero-knowledge claim (see Section 7).

6.3 Feedback

Suggestions and feedback:

  • You may provide ideas, suggestions, feedback
  • We may use without compensation or attribution
  • No obligation to implement
  • Becomes our property

7. End-to-End Encryption (E2EE)

7.1 Vault protection

PopaDex implements E2EE for personally identifiable information that can be end-to-end encrypted in your private financial vault. E2EE is enabled by default for new accounts where supported. Older accounts and records may require setup or conversion.

Necessary service information, including account communications, bank authorisation, routing and billing information, is separately processed and protected. It can still be personal information. Financial connections, chosen sharing, public tools and optional integrations can involve third-party or server processing.

The Financial Data Encryption guide explains the scope, exceptions and protection limits. The Privacy Policy describes personal-data processing.

7.2 Recovery responsibilities

Keep usable vault unlock and encryption recovery material private and secure. Restoring account sign-in does not by itself restore the original financial encryption key. Losing working unlock, device-key and recovery material may make previously encrypted values inaccessible.

Use the account and vault recovery reference for current procedures. Preserve working access until previous financial values are readable after a password change or recovery. Never send passwords or encryption recovery secrets to support.

7.3 Protection limits

Encryption does not prevent disclosure from an unlocked or compromised device, malicious client code, compromised software delivery, readable exports or authorised recipient copies. Any applicable mandatory rights and the service’s existing responsibilities remain in force.

8. Subscription and Payment

8.1 Pricing Plans

Standard provides free manual tracking within its published limits. Premium adds supported bank connections, ongoing multi-currency records and other paid features. The current web offer is USD 5 monthly or USD 50 annually; confirm the available currency, billing term and feature limits at checkout. Native-storefront prices and availability can differ.

See pricing documentation. A bank’s availability and account coverage are subject to the connected institution and provider; a subscription does not guarantee every bank connection.

8.2 Billing

Subscriptions are billed in advance and renew automatically unless cancelled under the applicable purchase terms. Web payments use Stripe; supported native purchases use Apple’s App Store. Manage cancellation through the billing channel used for the purchase. Any trial or promotion applies only when included in the offer you accept.

8.3 Cancellation

You may cancel anytime:

  • Settings → Billing → Cancel Subscription
  • Effective end of current billing period
  • Cancellation alone does not request a refund; the full 30-day money-back guarantee and other refund rights are described in Section 8.4
  • Can still use service until period ends
  • Downgrade to free tier automatically

No cancellation fees

8.4 Refunds

30-day money-back guarantee — no questions asked

If you request a refund within 30 days of your first Premium payment on the web, we will refund that payment in full, whether you chose the monthly or annual plan. You do not need to give a reason or demonstrate a technical problem. We do not deduct fees or reduce the refund for time already used.

How to request it: Email [email protected] from the email address associated with your PopaDex account within the 30-day window. A request received within that window remains eligible even if processing finishes later. The refund goes back to the original payment method. We will also cancel the subscription’s future renewal; deleting your account is not required to claim the refund.

The guarantee applies to your first web Premium payment. It does not restart with each renewal. Outside that guarantee, we refund incorrect charges and provide a prorated refund if the service is unavailable for more than 48 consecutive hours. Other refunds may be agreed with support.

App Store purchases: Apple handles payments and refund requests for subscriptions purchased through the App Store. Use Apple’s refund process and applicable purchase terms; contact us if you need help identifying the purchase.

This guarantee is additional to your statutory consumer rights and does not limit any refund or withdrawal rights that apply by law.

8.5 Price Changes

We may change prices:

  • 30-day advance notice via email
  • Current subscribers: Grandfather pricing for 6 months
  • Cancel before new price takes effect (no penalty)

9. Data and Privacy

9.1 Privacy Policy

The Privacy Policy is incorporated by reference. It describes vault data, necessary service information and optional processing, including recipients, retention, transfers and privacy rights. Our policy is not to sell personal data. Required provider processing and optional measurement have their own arrangements.

9.2 Data Ownership

You retain ownership of your data. We process it to provide the requested service and as described in the Privacy Policy. Supported export and deletion options have the limits explained in the export and deletion guides. Linkable or pseudonymous information is not automatically anonymous.

9.3 Data Retention

Active-account information is retained as needed for the relevant service purpose. The supported immediate and email-confirmed deletion routes have different steps; the email-confirmed route includes a 30-day cancellation window. Completion depends on the applicable process succeeding.

Backups, security records, billing, support and provider copies have separate lifecycles and applicable obligations. Account removal does not promise immediate erasure of every copy. The current Privacy Policy describes the scope; the signup-security layer explains that optional check’s retention and rights. Account-specific provider agreements and safeguards must be verified for the actual processing.

9.4 Data Breaches

We will notify you within 72 hours of discovery of a data breach, describe affected information, the steps being taken and recommended actions, as provided by these Terms and applicable obligations.

Properly encrypted vault values can reduce exposure of a database copy when an attacker lacks usable keys. Server-managed information, historical readable copies and an active client or software-delivery compromise have different exposure. The security guide explains these boundaries.

10. Disclaimers and Limitations

10.1 Not Financial Advice

Important:

  • PopaDex provides tools, not advice
  • We are not financial advisors
  • Don’t provide investment recommendations
  • Don’t provide tax or legal advice
  • Consult professionals for advice

FIRE calculator: Educational tool, not financial plan

10.2 Accuracy Disclaimer

No guarantee of:

  • Data accuracy (dependent on banks, manual entry)
  • Calculation accuracy
  • Exchange rate accuracy
  • Completeness of information

Your responsibility: Verify all data for important decisions

10.3 Service “As Is”

Service provided “AS IS” and “AS AVAILABLE” without warranties:

No warranties:

  • Merchantability
  • Fitness for particular purpose
  • Non-infringement
  • Uninterrupted or error-free service
  • Security (though we use best efforts)
  • Accuracy or reliability

10.4 Limitation of Liability

To maximum extent permitted by law:

We are NOT liable for:

  • Indirect, incidental, consequential damages
  • Lost profits or data
  • Service interruptions
  • Third-party actions (banks, Plaid, etc.)
  • Your reliance on service data
  • Financial losses from decisions you make

Maximum liability: Amount you paid us in past 12 months (minimum $100)

Exceptions (cannot be limited):

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Other liabilities that cannot be excluded by law

11. Indemnification

You agree to indemnify us (defend and hold harmless) from claims arising from:

  • Your violation of these Terms
  • Your violation of laws or regulations
  • Your violation of third-party rights
  • Your use of the service
  • Content you provide

We’ll notify you of claims and may participate in defense

12. Third-Party Services

12.1 Integration Partners

Plaid, GoCardless, Stripe, etc.:

  • Subject to their own terms and policies
  • We don’t control their services
  • Not liable for their actions or failures
  • May change or discontinue at any time

External links in our service:

  • Provided for convenience
  • We don’t endorse linked sites
  • Not responsible for their content
  • Use at your own risk

13. Dispute Resolution

13.1 Governing Law

Published governing-law description: Swiss law, subject to applicable mandatory consumer and data-protection rights and separately agreed customer terms. The current operator’s registered office does not establish hosting location or change the law or forum of a previously accepted agreement.

13.2 Informal Resolution

First step: Contact [email protected]

  • Good faith effort to resolve
  • 30-day negotiation period

13.3 Arbitration (US Users)

Binding arbitration:

  • Disputes resolved through arbitration (not court)
  • American Arbitration Association (AAA) rules
  • One arbitrator
  • Location: Your county of residence or remote
  • Costs: We pay AAA fees for claims <$10,000

Class action waiver: No class actions or representative proceedings

Opt-out: Email [email protected] within 30 days of account creation

13.4 EU/UK Users

Not subject to forced arbitration:

  • Can pursue claims in courts
  • Applicable mandatory rights may permit proceedings in your home jurisdiction
  • The governing-law description above does not remove mandatory jurisdiction protections or override separately agreed arrangements

Alternative dispute resolution: The former EU ODR platform closed on 20 July 2025. See the European Commission’s closure notice and consumer dispute-resolution bodies.

14. General Provisions

14.1 Entire Agreement

These Terms, Privacy Policy, and DPA (if applicable) constitute the entire agreement.

Supersedes: All prior agreements or understandings

14.2 Severability

If any provision is unenforceable:

  • Remaining provisions stay in effect
  • Unenforceable provision modified to be enforceable
  • Does not affect validity of rest of Terms

14.3 No Waiver

Our failure to enforce any right or provision:

  • Does not constitute waiver
  • We can still enforce later
  • Must be in writing to be valid waiver

14.4 Assignment

You cannot assign these Terms without our written consent

We may assign to:

  • Affiliate or subsidiary
  • Acquirer of our business
  • You’ll be notified

14.5 Force Majeure

Not liable for delays/failures due to:

  • Natural disasters
  • War, terrorism
  • Government actions
  • Internet outages
  • Third-party service failures
  • Other events beyond our reasonable control

14.6 Notices

To you: Email to your registered address To us: [email protected] or:

Administrative Burden Ltd, company number 17363389. Registered office: 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom. Contact: [email protected].

15. Special Provisions

15.1 California Users

Additional rights under CCPA:

  • Right to know what data we collect
  • Right to delete data
  • Right to opt out of “sale” (we don’t sell data)
  • Right to non-discrimination

See Privacy Policy for details

15.2 EU/UK Users

Consumer Rights Directive:

  • 14-day right to withdraw (cooling-off period)
  • Right to cancel subscriptions
  • Clear pricing and terms

GDPR Rights:

  • Right to access, rectify, delete data
  • Right to data portability
  • Right to restrict processing
  • Right to object

See Privacy Policy

15.3 Australia Users

Australian Consumer Law:

  • Guarantees cannot be excluded by these Terms
  • Right to refund for major failures
  • Right to compensation for losses

16. Contact Information

Support, legal and privacy questions: [email protected].

Mailing address and representatives: Administrative Burden Ltd, company number 17363389; registered office: 71–75 Shelton Street, Covent Garden, London WC2H 9JQ, United Kingdom. For legal and privacy questions, contact [email protected].

17. Definitions

“Account”: Your PopaDex user account “Content”: Any data, text, information you provide “E2EE”: End-to-end encryption design objective and named client-encryption components; the current verified scope and limitations are in Section 7 “Service”: PopaDex platform, website, and related services “Terms”: These Terms of Service “We/Us/Our”: Administrative Burden Ltd, operating PopaDex “You/Your”: User of the service

Version History

  • v2.5 (Oct 24, 2026): Published web Premium pricing updated to US$5 monthly or US$50 annually.
  • v2.4 (Oct 11, 2026): Full 30-day money-back guarantee, no questions asked, for the first monthly or annual web Premium payment.
  • v2.3 (Oct 10, 2026): Vault scope and recovery responsibilities, current billing channels and separate retention boundaries.
  • v2.2 (Oct 6, 2026): Technical privacy review; field scope, recovery defects, operator description and retention limits reconciled with reviewed implementation
  • v2.1 (Oct 6, 2025): Historical version - contained encryption and recovery claims superseded by this review
  • v2.0 (Jan 15, 2025): Major update - Subscription terms revised
  • v1.5 (Jun 1, 2024): Arbitration clause added (US users)
  • v1.0 (Jan 1, 2024): Initial Terms of Service

By using PopaDex, you agree to these Terms.

Questions? Contact [email protected] or visit Help Center

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Last updated: October 24, 2026

Questions? Contact Support