The questions worth answering clearly.

VULT is a budgeting and money-management app for creating flexible plans, recording expenses, scanning receipts, importing eligible statements, tracking accounts and goals, planning debt and understanding spending.

VULT is for adults who want to stay actively involved in a budget, especially people who prefer not to connect a bank account.

No. VULT does not request or store online-banking credentials.

VULT supports a home currency setting and currency conversion tools. Exchange information is an estimate and should be checked for decisions that depend on an exact rate.

Supported devices run on-device text recognition first. The review highlights recognised lines, and the resulting merchant, total, date, categories and item allocations remain editable.

The current recognition flow starts on-device. Optional cloud-assisted matching works through protected server functions from bounded extracted text and context rather than treating the photo as an unrestricted upload.

Eligible members can import supported PDF and CSV statements. The result is a reviewable draft, and the original bank document remains the authoritative record.

Eligible members can export VULT data in CSV or PDF formats for portability. An export is not a certified accounting or tax report.

No. VULT requires an account and provider-confirmed membership access. Listed prices are A$3.99 monthly or A$34.99 yearly.

Eligible introductory offers may be created by Stripe, the App Store or Google Play. The offer shown by the billing provider at checkout is the one that applies.

Use the provider that billed the account. Stripe members use the web customer portal; App Store or Google Play members use that store's subscription controls.

Use the in-app account controls or the public account-deletion page. VULT may verify ownership before removing cloud data.

No. VULT is not a bank, lender, broker, credit provider or financial adviser.

No. It is an informational indicator based on information inside VULT and is not supplied by a credit bureau.

No. They are planning estimates based on entered balances, rates and repayments. Lender calculations, fees and rate changes can alter the result.

No. Property figures are estimates, never valuations. Sources remain visible so the user can inspect the information used.