Terms of Service

Effective Date: October 6, 2025
Last Updated: October 6, 2025

These Terms of Service (“Terms”) constitute a legal agreement between you and PopaDex Ltd. (“PopaDex,” “we,” “us,” or “our”). 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

Minimum age:

18 years in most jurisdictions
16 years in EU with parental consent
21 years where required by local law

Verification: We may request proof of age at any time.

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:

Advance notice on status.popadex.com
Typically off-peak hours
Usually <2 hours duration

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
Strong password (12+ characters)
Country of residence
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

Plaid (US) / GoCardless (EU):

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

We never store your bank username/password:

Credentials handled by Plaid/GoCardless
Tokenized access only
Revocable at any time

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 aggregated anonymized statistics
Improve our services

E2EE: If enabled, we can’t access encrypted data (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 E2EE Overview

Optional feature:

Encrypts your data client-side (in your browser)
Encryption key derived from your password
We cannot decrypt your data
We cannot recover your password

7.2 E2EE Responsibilities

Your responsibility:

Remember your password
Securely store recovery key
Understand data is unrecoverable without password + recovery key
Accept limitations (no password recovery, limited support)

Our limitation:

Cannot reset password without recovery key
Cannot view your encrypted data
Cannot troubleshoot data-specific issues
Cannot recover data if you lose both password and key

7.3 E2EE Data Loss

You acknowledge:

If you lose both password AND recovery key, data is PERMANENTLY LOST
This is by design (zero-knowledge encryption)
We have no “backdoor” or recovery method
No refunds for data loss due to lost credentials

Important: Export your data regularly as backup

8. Subscription and Payment

8.1 Pricing Plans

Free Tier:

Basic features
Limited account connections
No payment required

Pro Tier (paid subscription):

Unlimited account connections
Advanced features
Priority support
Pricing at popadex.com/pricing

8.2 Billing

Payment terms:

Charged monthly or annually (your choice)
Billed in advance
Auto-renewal unless canceled
Processed via Stripe

Payment methods:

Credit/debit cards
Other methods as available

Failed payment:

Email notification
7-day grace period to update payment
Downgrade to free tier if not resolved

8.3 Cancellation

You may cancel anytime:

Settings → Billing → Cancel Subscription
Effective end of current billing period
No prorated refunds (see Section 8.4)
Can still use service until period ends
Downgrade to free tier automatically

No cancellation fees

8.4 Refunds

General policy: No refunds for subscription fees

Exceptions:

EU customers: 14-day cooling-off period (full refund if requested within 14 days of initial purchase)
Technical issues: If service unavailable >48 consecutive hours, prorated refund
Billing errors: Refund of incorrect charges
Discretionary: At our sole discretion

Request refunds: [email protected] within 7 days

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

Incorporated by reference: Our Privacy Policy is part of these Terms

Key points:

We collect personal and financial data
Used to provide service
Shared with service providers (Plaid, Stripe, AWS)
Never sold to third parties
You have rights to access, delete, export

9.2 Data Ownership

Your data:

You retain ownership
Can export anytime
Can delete anytime

Our rights:

Store and process to provide service
Create anonymized aggregate statistics
Use for service improvement

9.3 Data Retention

Active accounts: Data retained indefinitely

Deleted accounts:

30-day grace period
Then permanent deletion
Some data retained for legal compliance (anonymized)

See Account Deletion Guide

9.4 Data Breaches

Our obligation:

Notify you within 72 hours of discovery
Describe what data was affected
Steps we’re taking
Recommendations for you

E2EE protection: Encrypted data unusable even if breached

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

12.2 Links to Third Parties

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

Jurisdiction:

EU users: Laws of Ireland
UK users: Laws of England and Wales
US users: Laws of State of Delaware
Other users: Laws of Ireland

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
EU users: Courts of Ireland or your home country
UK users: Courts of England and Wales

Alternative dispute resolution: EU Online Dispute Resolution platform (ec.europa.eu/odr)

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:

PopaDex Ltd.
Attn: Legal Department
[Address to be added]

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

General inquiries: [email protected]
Legal matters: [email protected]
Privacy questions: [email protected]
Security issues: [email protected]

Mailing address:
PopaDex Ltd.
[Address to be added]

EU Representative: [email protected]
UK Representative: [email protected]

17. Definitions

“Account”: Your PopaDex user account
“Content”: Any data, text, information you provide
“E2EE”: End-to-end encryption feature
“Service”: PopaDex platform, website, and related services
“Terms”: These Terms of Service
“We/Us/Our”: PopaDex Ltd. and affiliates
“You/Your”: User of the service

Version History

v2.1 (Oct 6, 2025): Current version - E2EE terms clarified
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