Last updated: December 02, 2025

By accessing or using the Bare Finance mobile application ("the  Service"), operated by Avetis, Inc. ("the Company"), You agree to be  bound by these Terms and Conditions. If You disagree with any part of  the terms, then You may not access the Service.

The Service is intended solely for general informational and  educational purposes. The calculations (Mortgage schedules, Retirement  forecasts, Net Worth summaries, Interest calculations, and Currency  conversions) are ESTIMATES ONLY based on the data You input and publicly available exchange rates.

• The Company is not a financial advisor, broker, or tax professional.
• The Service does not constitute financial, legal, tax, or investment advice.
• The Company does not guarantee the accuracy of any calculation  or projection. You should consult with a qualified financial  professional before making any real-world financial decisions.

In no event shall Avetis, Inc., nor its directors, employees,  partners, agents, suppliers, or affiliates, be liable for any indirect,  incidental, special, consequential, or punitive damages, including  without limitation, loss of profits, data, use, goodwill, or other  intangible losses, resulting from Your access to or use of, or inability  to access or use the Service.

The Bare Finance Application operates as an OFFLINE TOOL.  All personal financial data, including budgets, balances, savings  targets, and debt schedules, are stored exclusively on Your device.  Avetis, Inc. does not access, store, transmit, or monetize this private  financial data.

Usage and analytics data (e.g., crash reports, feature usage) are  collected by third-party services (Firebase Analytics and Crashlytics)  as described in Our Privacy Policy.

These Terms shall be governed by the laws of the State of California,  United States, without regard to its conflict of law provisions.

If you have any questions about these Terms, please contact Avetis, Inc. via email at avetistoolkits@gmail.com.