By using Vavilon Finance ("Vavilon", "App", "Service"), you confirm that you have read, understood and agree to these Terms of Service ("Terms").
If you do not agree with any provision of these Terms, please do not use the App.
The App is intended for users aged 17 and older in accordance with the App Store age rating. By using the App, you confirm that you meet this requirement.
Vavilon Finance is a personal finance app for tracking income, expenses, accounts, loans, assets, payments, budget and financial goals.
The App helps users structure their personal finances, analyze cash flows, track obligations and build financial habits.
If a trial period is available for your region or account, its terms are displayed in the App Store or within the App before subscribing. After the trial ends, the subscription may renew automatically unless cancelled through Apple ID settings.
Your financial data is stored locally on your device and/or in your personal iCloud account when using sync features.
Vavilon does not store your financial data on its own servers.
To sync data between your devices, the App may use Apple iCloud / CloudKit infrastructure.
Sync depends on your Apple ID, iCloud settings, Apple service availability and internet connection.
Vavilon does not control Apple's infrastructure and is not responsible for iCloud / CloudKit unavailability, delays, sync failures or changes.
Family mode features allow you to voluntarily share access to certain financial data with invited members via Apple's sharing mechanisms.
You independently decide who to grant access to and are responsible for the consequences of such access.
Vavilon does not control the composition of family groups, relationships between members or how invited members use shared information.
Deleting the App, disabling iCloud, signing out of Apple ID or changing sync settings may affect data availability. Before deleting the App, we recommend using export features if available.
For AI features to work, the App may generate an anonymized financial context. Before sending a request, personal data and identifiers are removed or generalized on your device.
AI requests are routed through Vavilon's secure proxy service, which is used solely for technical routing of anonymized requests to AI providers.
Depending on your region and technical availability, requests may be processed by different AI providers.
Vavilon may change AI providers, routing or technical processing methods while maintaining the overall purpose of the feature.
By using AI features, you agree to the transmission of anonymized context to the relevant AI provider via Vavilon's proxy service.
If you do not wish to use AI processing, do not use Arkad or AI import features.
AI features may have limits on the number of requests, usage period, plan, region or technical availability. Limits may change to ensure stable Service operation.
Premium access is paid through the Apple App Store using StoreKit. Vavilon never receives or stores your bank card, payment system or payment account data.
| Type | Period | Note |
|---|---|---|
| Monthly | Auto-renewal | Managed via Apple ID |
| Annual | Auto-renewal | Managed via Apple ID |
| Lifetime | Permanent access | One-time purchase |
Subscriptions auto-renew unless cancelled no later than the deadline set by Apple App Store rules.
Manage your subscription via: Device Settings → Apple ID → Subscriptions → Vavilon.
Actual prices, currency, taxes and available plans are shown in the App Store and may vary by region.
All refund matters are governed by Apple App Store policies. You may request a refund through Apple's mechanisms.
The App may support importing bank statements, CSV, Excel, PDF or other formats provided by you.
You are responsible for the accuracy, legality and relevance of imported data.
Vavilon does not guarantee that all bank formats will import without errors, as banks may change file structures, column names, encodings and statement formats.
Imported transactions may require manual confirmation, categorization, duplicate review or correction by you.
You may export data in supported formats including CSV, Excel and PDF, if these features are available in your plan and App version.
Exported files are stored and shared by you independently. After export, Vavilon does not control further storage, transfer or security of such files.
When using the App, you may not:
You are responsible for:
The developer is not liable for:
To the maximum extent permitted by law, the developer's total liability is limited to the amount paid by you for the App in the last 12 months.
All rights to the App, including source code, design, interfaces, texts, visual materials, the Vavilon name, Vavilon Finance brand, Arkad character, "Wisdom of Babylon" concept and other product elements belong to the developer or are used on a lawful basis.
You are granted a limited, non-exclusive, non-transferable license to use the App for personal purposes in accordance with these Terms.
Financial data you enter into the App belongs to you. Vavilon makes no claim of ownership over such data.
You may stop using the App at any time by deleting it from your device.
Deleting the App does not automatically cancel an active subscription. To cancel, use your Apple ID settings.
The developer may restrict access to AI features, the proxy service or certain App capabilities in cases of abuse, violation of these Terms, technical necessity, legal requirements or platform requirements.
These Terms are governed by the laws of the Republic of Kazakhstan, unless otherwise required by mandatory provisions of the laws of your country.
Disputes shall be resolved by negotiation where possible. If a dispute cannot be resolved by negotiation, it shall be resolved in accordance with applicable law.
Users from certain regions may have additional mandatory rights, including GDPR, CCPA, Federal Law No. 152-FZ or other local requirements where applicable.
The developer may periodically update these Terms. Users may be notified of material changes through an App update, the website or other available channels.
Continued use of the App after changes take effect constitutes your acceptance of the updated Terms.
The current version of these Terms is always available at: getvavilon.app/terms
For questions related to these Terms of Service:
support@getvavilon.app
Official website: getvavilon.app
We aim to respond within 72 hours.