Terms of Use

Article 1. Description of the service

1. Verdant is an application for recording and tracking a household’s assets, liabilities, cash flows and financial goals, operating entirely on data entered by the user.
2. The App is NOT a credit institution, payment intermediary or securities company. It does NOT hold money, does NOT transfer money, does NOT connect to bank accounts and does NOT carry out any financial transaction on Your behalf.
3. The calculators in the App (loan schedules, compound interest, debt payoff plans, rent-versus-buy, financial health score and similar tools) are reference tools operating on assumptions You supply.

Article 2. Not financial, investment, legal or tax advice

1. All information, figures, scores, rankings and suggestions shown in the App are for reference and illustration only.
2. We do NOT provide securities investment advisory services under the Law on Securities No. 54/2019/QH14, do NOT provide financial, legal, accounting or tax advice, and do NOT recommend buying, selling or holding any asset.
3. Results depend entirely on the data and assumptions You enter. Wrong data or unrealistic assumptions produce wrong results.
4. Past results do not guarantee future results. You are solely responsible for Your financial decisions and should consult an appropriately licensed professional before any significant decision.

Article 3. User accounts

1. You must be at least 16 years old to create an account. Users under 18 require the consent of a parent or lawful guardian.
2. You are responsible for providing accurate registration information and keeping it up to date.
3. You are responsible for keeping Your password confidential and for all activity under Your account. Notify Us immediately of any unauthorised access.
4. Each user may create an account only for themselves. Inviting a member into Your household means allowing that member to view and edit the household’s shared data.

Article 4. User-entered data

1. Data You enter into the App belongs to You. We claim no ownership over it.
2. You grant Us the right to store, back up and process that data to the extent necessary to operate the App and provide the service to You.
3. You undertake to enter only data You are lawfully entitled to, and not to enter another person’s personal data without their consent — an obligation of data subjects under Article 4.2(b) of the Law on Personal Data Protection No. 91/2025/QH15.
4. The App provides unlimited export of all Your data to CSV files.

Article 5. Prohibited conduct

When using the App, You must not:

1. Gain unauthorised access to, scan, interfere with or disrupt the App’s systems and infrastructure.
2. Reverse engineer, decompile or disassemble the App, or otherwise attempt to extract its source code.
3. Use the App for money laundering, terrorist financing, tax evasion or any other unlawful activity.
4. Use the App’s data, interface or computation results to provide financial advisory services to third parties without a written agreement with Us.

Article 6. Intellectual property

1. The App, its source code, interface, design, trademarks, logos and all content created by Us are Our intellectual property, protected under the Intellectual Property Law of Viet Nam.
2. You are granted a limited, non-exclusive, non-transferable licence to use the App for personal, non-commercial purposes only.

Article 7. Fees

1. As at the effective date of these Terms, the App is provided free of charge.
2. We may introduce fees for certain features in the future. Any paid feature will clearly state its price and conditions before You confirm payment.
3. Payments, if any, are processed through the App Store or Google Play and are subject to those platforms’ refund policies.

Article 8. Limitation of liability

1. The App is provided “as is”. We work to keep it running reliably but do not warrant that it will be error-free or uninterrupted.
2. We are not liable for losses arising from financial decisions You make based on information displayed in the App.
3. We are not liable for losses arising from Your entering incorrect data, disclosing Your password, or losing Your device.
4. Nothing in this clause excludes liability that Vietnamese law does not permit to be excluded.

Article 9. Suspension and termination

1. You may stop using the service at any time by deleting Your account. Deletion cannot be undone; what is deleted — which differs between the household owner and a member — is set out in the Retention period clause of the Privacy Policy.
2. We may suspend or terminate Your account where We have grounds to believe You have breached these Terms or the law, after notice by email, except in urgent cases.

Article 10. Amendments

1. We may amend these Terms. Amendments are published in the App together with a new effective date, and the App asks You to accept the amended Terms before You continue using it.
2. If You do not agree, You may stop using the App and delete Your account at that same step.

Article 11. Governing law and dispute resolution

1. These Terms are governed by and construed under the law of the Socialist Republic of Viet Nam.
2. Disputes shall first be resolved through negotiation and conciliation. Failing agreement, they shall be brought before the competent People’s Court in Viet Nam.

Article 12. Contact

1. Questions about these Terms: Nguyen Huu Trong, Block C1 - Q7 Saigon Riverside Complex Apartment, 04 Dao Tri st, Phu Thuan ward, TP.HCM, email nguyenhuutrong2901@gmail.com.