Terms of Service

1. Acceptance of Terms

By accessing or using GetALife, you confirm that you have read, understood, and agree to these Terms and our Privacy Policy. Section 13 explains how changes to these Terms take effect.

2. Description of Service

GetALife is a personal finance application that provides:

• Budget creation and management
• Manual transaction tracking and categorization, including voice input and receipt photos
• AI-assisted suggestions, for example for categories and budgets
• Savings goals and an overview of assets and debts
• Financial analytics, buffer calculations, and reporting
• A league system with game elements
• Choice of currency
• Bank account synchronization via finAPI (open banking) - coming soon

The App is offered for Android on Google Play and for iOS on the Apple App Store.

3. Account Registration

To use the App, you must create an account using Firebase Authentication. By registering, you represent that:

• You are at least 16 years of age.
• The information you provide is accurate and complete.
• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activities that occur under your account.

You must notify us immediately if you suspect unauthorized access to your account.

4. Subscription Terms

Using GetALife requires a paid subscription; there is no free version.

• Subscription options: Weekly, monthly, and annual plans are available. The plans, prices, and trial periods on offer are shown in the App and in the respective store before you buy.
• Free trial: If your plan includes a free trial (currently 7 days), the subscription automatically converts to the paid period when the trial ends, unless you cancel at least 24 hours before the trial ends.
• Auto-renewal: Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period.
• Payment: All payments are processed through the Apple App Store or Google Play Store, depending on your platform. Prices are displayed in your local currency within the respective store.
• Cancellation: You may cancel your subscription at any time through your Apple App Store or Google Play Store account settings. Cancellation takes effect at the end of the current billing period.
• Right of withdrawal: If you buy a subscription through the Apple App Store or Google Play, the respective store handles payment, withdrawal and refunds. Whether and how you can exercise a statutory right of withdrawal is governed by the terms of the respective store and applicable law.
• Refunds: We do not provide refunds for any partial subscription period. Refund requests are subject to the policies of the Apple App Store or Google Play Store and applicable law.
• Price changes: We may change subscription prices at any time. You will be notified in advance of any price increase, and the new price will apply from your next renewal period.

5. Banking Data (coming soon)

GetALife will integrate, once available, with finAPI, a BaFin-regulated open banking provider (finAPI GmbH, Munich, Germany), to securely connect to your bank accounts. Regarding your banking data, where available:

• GetALife does not store your bank login credentials. Authentication is handled entirely by finAPI.
• All banking data is encrypted in transit using industry-standard encryption protocols.
• You may disconnect your bank accounts at any time through the App settings.
• We access only the financial data necessary to provide the App's features (account balances, transactions).

6. Intellectual Property

All content, features, functionality, design, graphics, trademarks, and other intellectual property within the App are owned by GetALife by Michael Hofmann and are protected by applicable copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from any part of the App without our prior written consent.

7. User Responsibilities

When using GetALife, you agree to:

• Provide accurate and truthful financial data when entering transactions manually.
• Use the App solely for personal, non-commercial purposes.
• Not attempt to reverse engineer, decompile, or disassemble the App.
• Not use the App for any unlawful purpose or in violation of any applicable laws.
• Not interfere with or disrupt the App's servers or infrastructure.
• Not attempt to gain unauthorized access to any part of the App or its systems.

8. Financial Disclaimer

GetALife is not a financial advisory service. The App provides tools for tracking and organizing your personal finances. It does not provide financial advice, investment recommendations, tax guidance, or any other form of professional financial counsel.

You are solely responsible for your own financial decisions. Any projections, analytics, or insights provided by the App are for informational purposes only and should not be relied upon as a basis for financial decisions. We strongly recommend consulting a qualified financial advisor for personalized financial guidance.

Suggestions from the AI features (for example recognized amounts, categories, or budget suggestions) are generated automatically and may be wrong. Please check them before you accept them.

9. Liability

(1) We are liable without limitation for intent and gross negligence, for injury to life, body, or health, and under the German Product Liability Act (Produkthaftungsgesetz).

(2) In the event of a slightly negligent breach of an essential contractual obligation, our liability is limited to the foreseeable damage typical for this type of contract. An essential obligation is one whose fulfilment makes the proper performance of the contract possible in the first place and on whose observance you may regularly rely.

(3) Otherwise, our liability for slight negligence is excluded.

(4) The data shown in the App is based on your input and, where available, on data from third-party providers such as finAPI. We strive for high availability of the App but cannot promise uninterrupted operation. You are responsible for decisions you make based on displays, calculations, or AI suggestions in the App (see section 8).

10. Termination

Either party may terminate this agreement at any time:

• By you: You may stop using the App and delete your account at any time.
• By us: We may suspend or terminate your access if you violate these Terms or engage in conduct that we determine to be harmful to the App, other users, or GetALife by Michael Hofmann.

Upon termination, your right to use the App ceases immediately. You may request deletion of your personal data in accordance with our Privacy Policy and applicable data protection laws.

11. Governing Law

These Terms are governed by and construed in accordance with the laws of the Federal Republic of Germany, without regard to its conflict of law provisions. If you are a consumer, you keep the protection of the mandatory provisions of the country in which you have your habitual residence. If you are a merchant, a legal entity under public law or a special fund under public law, the place of jurisdiction for all disputes arising from these Terms is Fulda, Germany. For consumers, the statutory places of jurisdiction apply.

If you are a consumer within the European Union, you also enjoy the protection of mandatory provisions of the consumer protection laws of your country of residence.

12. Impressum (DDG §5)

13. Changes to Terms

We may change these Terms, for example when features of the App, the legal situation, or technical circumstances change. The current version is always published on this page with its date.

Changes that do not put you at a disadvantage (for example new features or editorial corrections) apply from the time they are published. Material changes to your disadvantage only apply to you once you agree to them, for example in the App. If you do not agree, you can cancel your subscription and delete your account; until then, the previous Terms continue to apply to you.

14. Contact

If you have any questions about these Terms of Service, please contact us at:

info@getalife.app