1. About this policy
VULT is a budgeting and money-management application designed in Australia. This policy applies to VULT apps, the web app at app.getvult.club, this website and related support services.
For privacy questions, contact [email protected]. Before commercial release, the legal operator details shown on the relevant app-store listing form part of this notice.
2. Information VULT may handle
Information you provide
This may include your name, email address, age or birthday, preferred currency, budgets, categories, transactions, income, balances, goals, debts, recurring bills, receipt text, statement files, preferences and support messages.
Account and technical information
When you sign in, VULT may process a user identifier, authentication records, session information and account status. Infrastructure providers may process IP address, diagnostics and app interactions needed to operate and secure the service.
Information VULT does not currently request
The current release does not request or store your online-banking password. Receipt text recognition begins on-device on supported platforms; enhanced matching uses bounded extracted text and budget context through a protected function.
3. Local-first storage and cloud sync
On-device working data: VULT calculates and persists the working budget locally. Information that remains only on your device is not available to VULT.
Account and cloud features: VULT requires an account for membership access. Signed-in members may store a compact finance snapshot linked to the account so it can sync across devices or a selected household workspace.
4. How information is used
- Provide budgets, transaction history, goals, debt tools, reminders and app customisation.
- Authenticate accounts and sync eligible information across devices.
- Process selected receipts, statements and Financial Score requests.
- Send service, authentication and support communications.
- Maintain security, prevent abuse, diagnose faults and improve reliability.
- Measure bounded product events where analytics is enabled, without sending money values or user-authored financial text.
- Meet legal obligations and respond to valid requests.
5. Service providers
VULT may use the following providers for specific functions:
- Supabase for authentication, database storage and protected server functions.
- OpenAI for selected receipt, statement, property-estimate and Financial Score processing sent through protected server functions.
- Resend for configured transactional and support email.
- Google ML Kit for on-device receipt text recognition on supported devices.
- Stripe for web subscription checkout and billing management where offered. VULT does not directly store complete payment-card details.
- Apple and Google Play for app distribution and store subscription billing where enabled.
These providers may process information in Australia or other countries under their own terms and privacy arrangements.
6. AI-assisted features
AI-assisted features are optional and are designed to receive only the information needed for the requested task. Outputs can be incomplete or incorrect and should be reviewed before being saved or acted upon.
The VULT Financial Score is an informational budgeting indicator. It is not a credit score, financial product recommendation or financial advice.
7. Product analytics
Where enabled, VULT records bounded events such as installation, session, page view, onboarding duration and feature use. The event service rejects arbitrary property names and is designed not to receive money values or user-authored financial text. Product analytics can be disabled in Settings.
8. Retention and deletion
Local information remains until you remove it in VULT, clear the app’s storage or uninstall the app. Cloud information is retained while needed to provide your account and may be deleted or de-identified after account closure, subject to security, fraud-prevention, billing and legal retention requirements.
You can start a request through the account-deletion page. VULT may verify account ownership before completing a request.
9. Security
VULT uses encrypted network connections for current cloud services, account-based access controls and supported device security features. No method of storage or transmission is completely secure, so you should also protect your device, email account and passcode.
10. Your choices and rights
Depending on where you live, you may request access to or correction of personal information, object to certain processing, withdraw consent or request deletion. You can also disable product analytics, turn off optional notifications and manage account-linked information through the available controls.
11. Children
VULT is intended for adults and is not directed to children under 18. Please do not create an account or provide personal financial information if you are under 18.
12. Changes and contact
VULT may update this policy when the product or applicable requirements change. Material updates will be communicated through the app, website or account email where appropriate.
Questions or requests: [email protected].