Terms of Service

What is VaultStash?

VaultStash is a desktop application with two core features:

• Secure Vault: An encrypted storage system for your documents, notes, and files — like a personal safe on your computer
• Finance Tracker: A personal finance dashboard that aggregates your bank accounts and transactions for spending analysis

The app is provided by Egida LLC, a Massachusetts company ("we," "us," "our").

By using VaultStash, you agree to these terms. If you don't agree, don't use the software.

How It Works

Secure Vault

• Local Storage: Your encrypted vault is stored as a single file on your device
• No Cloud: Vault data is never uploaded to servers or synced online
• No Accounts: There's no registration, login, or password recovery for vault access
• PIN-Based: Your 5-digit PIN is the only key to your vault
• AES-256 Encryption: Industry-standard encryption protects your data at rest

Finance Tracker

• SimpleFIN Integration: Bank connections are made through SimpleFIN, a third-party service
• Read-Only Access: VaultStash only reads transaction data — it cannot move money or modify accounts
• Local Database: Your financial data is stored in an encrypted SQLite database on your device
• No Cloud Sync: Transaction data stays on your computer, never uploaded to our servers
• Your Credentials: Your bank login credentials are stored by SimpleFIN, not by VaultStash

Third-Party Services

SimpleFIN

The Finance Tracker requires SimpleFIN (simplefin.org) to connect to your bank accounts. SimpleFIN is an independent service with its own:

• Terms of Service: You must agree to SimpleFIN's terms to use bank connections
• Pricing: SimpleFIN charges $1.50/month (billed as $18/year) — this is separate from VaultStash
• Privacy Policy: SimpleFIN handles your bank credentials according to their own privacy policy

We are not responsible for SimpleFIN's service, availability, security practices, or data handling. Any issues with bank connections should be directed to SimpleFIN support.

LemonSqueezy

License purchases are processed through LemonSqueezy. Payment information is handled by LemonSqueezy according to their terms and privacy policy. We do not store your payment details.

License Tiers

VaultStash is available in free and paid tiers:

• Free: 10 documents, 1 bank connection, 60-day transaction history, 1 device
• Standard ($29/year): Unlimited documents & connections, full transaction history, 3 devices
• Lifetime ($69 one-time): Unlimited everything, 5 devices, lifetime updates

Paid license keys are personal and non-transferable. Each key can be activated on a limited number of devices based on your tier. License validation requires occasional internet connectivity.

Your Responsibilities

Because VaultStash gives you complete control over your data, you bear complete responsibility for it:

PIN Security

Memorize your PIN or store it safely. We cannot recover, reset, or bypass your PIN. If you forget it, your vault data and financial data are permanently inaccessible. This is a feature, not a bug — it's what makes the encryption meaningful.

Data Backup

Back up your vault and database files. We don't store copies of your data. If your hard drive fails, if you accidentally delete files, if your computer is lost or stolen — and you have no backup — your data is gone. Keep copies in safe places.

Device Security

VaultStash protects your data at rest. If someone has access to your unlocked computer while the vault is open, they can see your files and financial data. Use your device's security features (screen lock, disk encryption) alongside VaultStash.

Financial Data Accuracy

Transaction data comes from your banks via SimpleFIN. We don't guarantee the accuracy, completeness, or timeliness of financial data. Always verify important financial information with your actual bank statements. Don't rely solely on VaultStash for financial decisions.

Legal Use

Use VaultStash in compliance with all applicable laws. Don't use it to store illegal content, facilitate illegal activities, or circumvent financial regulations.

What We Don't Do

• We don't store your vault data on our servers
• We don't have access to your PIN or encrypted files
• We don't store your bank login credentials (SimpleFIN does)
• We don't transmit your financial data to third parties
• We don't provide financial advice or recommendations
• We don't guarantee bank connection availability (that depends on SimpleFIN and your bank)

No Warranty

VaultStash is provided "as is" without warranty of any kind. We don't guarantee that:

• The software will meet your specific needs
• The software will be error-free or uninterrupted
• Bank connections will always be available
• Transaction data will be complete or accurate
• Defects will be corrected
• The encryption is unbreakable (though we use industry standards)

You use VaultStash at your own risk.

Limitation of Liability

To the maximum extent permitted by law, Egida LLC is not liable for:

• Data loss from forgotten PINs
• Data loss from hardware failure, accidental deletion, or lack of backups
• Unauthorized access to your device, vault, or financial data
• Inaccurate, incomplete, or delayed transaction data
• Financial decisions made based on data shown in VaultStash
• SimpleFIN service interruptions or issues
• Bank connection failures or changes
• Any indirect, incidental, special, or consequential damages
• Lost profits or business opportunities

Our total liability for any claim is limited to the amount you paid for the software.

Indemnification

You agree to hold Egida LLC harmless from any claims, damages, or expenses arising from your use of VaultStash, your use of the Finance Tracker feature, or violation of these terms.

Changes to Terms

We may update these terms. Changes will be posted on this page with a new date. Continued use of VaultStash after changes constitutes acceptance.

Termination

You can stop using VaultStash at any time by uninstalling the app. We can terminate your license if you violate these terms. Your data remains yours — we have no access to delete or retain it.

If you stop using VaultStash, your SimpleFIN subscription (if any) continues separately until you cancel it with SimpleFIN.

Governing Law

These terms are governed by the laws of the Commonwealth of Massachusetts, United States. Any disputes will be resolved in Massachusetts courts.

Contact

Questions about these terms?