These Terms of Use ("Terms") govern your use of the Bare Finance Android application (the "App") and avetisinc.com (the "Website"), together referred to as the "Services." The Services are provided by Avetis, Inc. ("Avetis," "we," "us," or "our").
Please read these Terms carefully. By downloading, accessing, or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
1. WHO WE ARE
Avetis, Inc. is the developer and publisher of Bare Finance.
Address: 12807 Sherman Way, Suite 1023, North Hollywood, CA 91605, United States
The Services are not directed to children under 13. You may not use the Services if you are under 13. If you are under the age of legal majority where you live, you may use the Services only with the permission and supervision of a parent or legal guardian who agrees to these Terms.
You may use the Services only if you can legally enter into these Terms and are not prohibited from using them under applicable law.
3. WHAT BARE FINANCE PROVIDES
Bare Finance is a financial calculation, planning, and record-keeping tool. Depending on the version available to you, its features may include budgeting, transaction tracking, mortgage amortization, debt payoff estimates, savings and retirement projections, interest calculations, bill splitting, net-worth tracking, currency conversion, reminders, backups, and exports.
The App does not require a Bare Finance account. Most financial records and calculation inputs are stored locally on your device. Certain features use online services as described in these Terms and our Privacy Policy.
We may add, change, suspend, or remove features from time to time. Availability may vary by device, operating-system version, location, and third-party service availability.
4. LIMITED LICENSE
Subject to these Terms, Avetis grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to install and use the App on devices that you own or control, solely for lawful purposes and in accordance with Google Play rules that apply to you.
The Services, including their software, design, text, graphics, logos, trademarks, and other content, are owned by Avetis or its licensors and are protected by applicable intellectual-property laws. Except for the limited license above, no rights are granted to you.
Third-party software or content included in or used by the Services remains subject to the applicable third party's license or terms.
5. ACCEPTABLE USE
You agree not to:
• Use the Services for unlawful, fraudulent, or abusive purposes.
• Interfere with, disrupt, damage, or attempt to gain unauthorized access to the Services or related systems.
• Introduce malware or other harmful code.
• Bypass security, purchase, entitlement, advertising, consent, or access controls.
• Copy, modify, distribute, sell, lease, sublicense, or commercially exploit the Services except as expressly permitted by Avetis.
• Reverse engineer, decompile, or attempt to extract source code except to the limited extent that applicable law expressly permits despite this restriction.
You are responsible for your use of the Services and for complying with all laws that apply to you.
6. NO FINANCIAL, LEGAL, TAX, OR INVESTMENT ADVICE
The Services are provided only for general informational, educational, planning, and record-keeping purposes. Avetis is not a financial adviser, investment adviser, broker, lender, accountant, attorney, tax professional, or fiduciary.
Nothing in the Services constitutes financial, investment, lending, legal, accounting, or tax advice; an offer or solicitation; a credit decision; or a recommendation to buy, sell, borrow, lend, or enter into any transaction.
Calculations and projections are estimates based on the information you enter, assumptions used by the App, rounding, and information available from third parties. Actual results may differ materially because of interest-rate changes, fees, taxes, insurance, inflation, market performance, payment timing, lender practices, exchange-rate changes, laws, and other factors.
Mortgage figures are not loan estimates or lender disclosures. Retirement and savings projections do not guarantee future performance. Debt-payoff schedules do not modify any obligation you have to a creditor. Currency conversions are informational estimates and are not executable exchange quotes.
You are solely responsible for evaluating results and obtaining advice from qualified professionals before making financial, legal, tax, borrowing, or investment decisions.
7. YOUR INFORMATION, BACKUPS, AND EXPORTS
You are responsible for the accuracy and completeness of information you enter into the App. Incorrect or incomplete inputs will produce incorrect or incomplete results.
Bare Finance does not provide a user account, cloud synchronization, or remote recovery of locally stored financial records. You are responsible for maintaining any backups you need. Clearing App data, replacing or losing your device, deleting files, or uninstalling the App may permanently erase information that has not been backed up.
The App may allow you to create a manual backup or export information as JSON, PDF, or CSV. Restoring a backup may replace current App data. Review the confirmation shown by the App before restoring or deleting information.
When you save, export, or share a file, it leaves the App's private storage and is handled by the storage location, application, service, person, or organization you select. Avetis is not responsible for loss, disclosure, alteration, or misuse after information is exported or shared at your direction.
Reminders and notifications may be delayed or may not appear because of device settings, permissions, battery optimization, operating-system behavior, or other factors. Do not rely on the App as the sole method for meeting a payment date, filing deadline, or other time-sensitive obligation.
8. EXCHANGE RATES AND OTHER THIRD-PARTY INFORMATION
The currency converter periodically requests exchange-rate data from ExchangeRate-API. Rates may be delayed, incomplete, unavailable, or different from the rate offered by a bank, card issuer, exchange, payment provider, or other institution. The amount you receive in an actual transaction may also include spreads, commissions, taxes, or fees that the App does not calculate.
Avetis does not control or independently guarantee third-party information. You should verify important information with an authoritative source before relying on it.
9. THIRD-PARTY SERVICES, ADVERTISING, AND LINKS
The Services use or interact with third-party services, which may include Google Analytics for Firebase, Firebase Crashlytics, Google AdMob, Google's User Messaging Platform, Google Play Billing, Google reCAPTCHA, ExchangeRate-API, website hosting providers, and applications or services you choose for sharing or storage.
The free version of the App may display third-party advertisements. Advertising content is supplied by third parties and does not constitute an endorsement or recommendation by Avetis. Your interactions with an advertiser or third-party service are between you and that third party.
Third-party services and links are governed by their own terms and privacy practices. Avetis does not control and is not responsible for their availability, accuracy, security, content, products, or conduct. Use of Google services is also subject to the applicable Google terms.
10. REMOVE ADS PURCHASE
Bare Finance may offer an optional "Remove Ads" purchase through Google Play. It is intended as a one-time, non-consumable digital purchase and is not a recurring subscription.
The price and any applicable taxes are displayed by Google Play before you confirm the purchase. Google Play processes the transaction and associates the purchase with the applicable Google account. Avetis does not receive your full payment-card information.
When Google Play reports a valid entitlement, the App removes advertising from the supported version of Bare Finance. The purchase does not disable Firebase Analytics, Firebase Crashlytics, exchange-rate requests, Google Play Billing checks, or other non-advertising services described in the Privacy Policy.
The App may periodically ask Google Play to confirm the entitlement. If a purchase is canceled, refunded, reversed, revoked, associated with a different Google account, or no longer reported as valid by Google Play, advertising may return.
A purchase does not guarantee that the App, every feature, or compatibility with every device or operating-system version will remain available indefinitely.
11. SERVICE AVAILABILITY, UPDATES, AND CHANGES
The Services are provided through software, devices, networks, and third-party systems that may occasionally fail or become unavailable. We do not guarantee uninterrupted, timely, secure, or error-free operation.
We may issue updates that fix defects, improve security, change compatibility, or add, modify, or remove features. Some features may stop working if you do not install an available update. We are not obligated to support every device, operating-system version, App version, or third-party integration indefinitely.
To the extent permitted by law, we may modify, suspend, or discontinue all or part of the Services. Nothing in this section limits any non-waivable rights you may have concerning a purchase.
12. FEEDBACK
If you voluntarily send ideas, suggestions, or other feedback about the Services, you allow Avetis to use that feedback without restriction or compensation to you. This does not transfer ownership of personal information or financial records you provide in a support request, which remain subject to our Privacy Policy.
13. DISCLAIMER OF WARRANTIES
To the fullest extent permitted by applicable law, the Services are provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory. Avetis disclaims implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, quiet enjoyment, and warranties arising from course of dealing or usage of trade.
Avetis does not warrant that the Services or their results will be accurate, complete, current, uninterrupted, secure, compatible with your device, or free from errors or harmful components; that defects will be corrected; or that locally stored, backed-up, exported, or shared information will never be lost or damaged.
Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, the exclusions apply only to the extent permitted by law.
14. LIMITATION OF LIABILITY
To the fullest extent permitted by applicable law, Avetis and its directors, officers, employees, contractors, agents, affiliates, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenue, opportunities, goodwill, use, or data, arising out of or related to the Services or these Terms, even if advised that such damages were possible.
To the fullest extent permitted by applicable law, the total aggregate liability of Avetis and the other parties listed above for all claims arising out of or related to the Services or these Terms will not exceed the greater of: (a) the amount you paid through Google Play for the App during the 12 months before the event giving rise to the claim; or (b) US $50.
These limitations apply regardless of the form or theory of liability. They do not exclude or limit liability for fraud, intentional misconduct, gross negligence where it cannot lawfully be limited, personal injury caused by negligence where it cannot lawfully be limited, or any other liability or consumer right that applicable law does not permit the parties to exclude or limit.
Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, the limitations apply only to the extent permitted by law.
15. SUSPENSION AND TERMINATION
You may stop using the Services at any time. You may terminate your use of the App by uninstalling it, but uninstalling does not automatically delete backups or exports stored elsewhere.
Your license under these Terms ends automatically if you materially violate these Terms. Where technically possible and lawful, Avetis may suspend access to online portions of the Services to protect the Services, users, third parties, or Avetis from unlawful, fraudulent, abusive, or security-threatening activity.
Sections that by their nature should survive termination will survive, including provisions concerning ownership, disclaimers, limitations of liability, governing law, and general contract terms.
16. GOVERNING LAW AND DISPUTES
These Terms are governed by the laws of the State of California, United States, without regard to conflict-of-law principles.
Subject to any mandatory rights you have under applicable law, disputes arising from these Terms or the Services will be brought in the state or federal courts located in Los Angeles County, California, and you and Avetis consent to their jurisdiction. If the law where you live gives you the right to bring a claim in your local courts or provides protections that cannot be waived by contract, this section does not limit those rights or protections.
These Terms do not require arbitration and do not contain a class-action waiver.
17. CHANGES TO THESE TERMS
We may update these Terms to reflect changes to the Services, third-party providers, business practices, or legal requirements. We will post the revised Terms at https://avetisinc.com/terms-and-condition and update the date above.
Changes apply prospectively from the stated effective date. Where required by law, we will provide additional notice or request consent. If you do not agree to revised Terms, you must stop using the Services.
18. GENERAL TERMS
These Terms and the Privacy Policy constitute the entire agreement between you and Avetis concerning the Services, except where separate written terms expressly apply.
If any provision is found unenforceable, it will be enforced to the maximum extent permitted and the remaining provisions will remain in effect. A failure to enforce a provision is not a waiver. Section headings are for convenience only.
You may not assign or transfer these Terms without our written consent. Avetis may assign these Terms as part of a merger, acquisition, reorganization, sale of assets, or by operation of law, subject to applicable law.
19. CONTACT US
For questions about these Terms or the Services, contact:
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