Terms of Service

1. Acceptance of Terms

By downloading, accessing, or using the LoveVault mobile application, website, and related services ("Services"), you agree to be bound by these Terms of Service. If you do not agree to these terms, you may not use the Services.

2. Description of Service

LoveVault provides a financial management platform designed for couples to manage shared savings goals ("Joint Vaults"). The app facilitates connection to third-party payment gateways (such as Cashfree) to load funds and enforces two-party approval for withdrawals.

3. User Accounts

3.1 Eligibility

You must be at least 18 years old to use the Services. By creating an account, you represent and warrant that you are of legal age to form a binding contract.

3.2 Account Security

You are responsible for safeguarding your password and any other credentials. You agree to notify us immediately of any unauthorized use of your account.

4. Joint Vaults and Two-Party Approval

The core feature of LoveVault is the "Joint Vault." Funds held in a Joint Vault are intended for the mutual benefit of both linked users.

• Withdrawals: Any request to withdraw funds from a Joint Vault requires explicit, cryptographic consent from BOTH linked accounts via the App.
• Disutes: LoveVault acts only as a platform. In the event of a dispute between linked users regarding the withdrawal of funds, LoveVault cannot and will not forcefully release funds without dual consent, nor will we act as an arbitrator. We reserve the right to freeze the Vault until an agreement or legal resolution is reached.

5. Financial Services Disclaimer

LoveVault provides software tools for financial organization. We are not a bank, financial planner, investment advisor, or broker. Any financial information provided through the App is for informational purposes only.

6. Termination

We reserve the right to suspend or terminate your account at any time, for any reason, including but not limited to violations of these Terms. Upon termination involving a Joint Vault, dual consent protocols or specific regulatory procedures will apply to the disbursement of remaining funds.

7. Limitation of Liability

In no event shall LoveVault, its directors, employees, partners, agents, suppliers, or affiliates, 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 your access to or use of or inability to access or use the Service.