Terms and Conditions of Use

The natural person who signs up to the Cashfulness service by providing an email and choosing a nickname (pseudonym). The User must be at least 18 years old (see Privacy Policy §10) and have legal capacity under Italian law.

Registration requires:

No identity verification, tax ID, or real demographic data is requested. The nickname does not identify the real person and may be modified by the User.

Age and legal-capacity declaration: by signing up to the Service, the User declares to be at least 18 years old, or the age of majority under the law of their country of residence if higher than 18, and to have legal capacity under Italian law. The age declaration occurs through ticking a mandatory checkbox in the signup form.

In the event of an account created by a minor with a false declaration of age, contractual liability falls on the parents or those exercising parental responsibility under Articles 2046 and 2048 of the Italian Civil Code, without prejudice to Vittorio Giusti srl’s right to immediately delete the account upon notice or detection of minor status.

Only one account per person is allowed. The creation of multiple accounts to circumvent the limits of the Free plan (see §5.1) constitutes a violation of these Terms and may result in the suspension of all linked accounts.

The User is solely responsible for safeguarding their password and their 24 recovery words (BIP39 seed) for document encryption. The User shall:

If the User forgets their password, they may request a reset email to the address associated with the account. Cashfulness cannot in any way recover E2EE documents uploaded by the User if they lose both the password and the 24 recovery words: the documents become permanently unrecoverable. See §11.2.

The User may request account deletion at any time, directly from the app (Settings → Delete account). Effective deletion occurs within 30 days of the request (reversible soft-delete for accidental requests; see Privacy Policy §7).

Prices and limits are subject to change with at least 30 days’ notice to active users.

Subscriptions are purchased exclusively through one of the following channels:

For subscriptions purchased on the App Store or Google Play, Apple and Google act as merchant of record: they handle the payment, any issuance of invoices or fiscal receipts, automatic renewal, and any refunds according to their respective policies. For these two channels Vittorio Giusti srl does not issue invoices or fiscal receipts directly to end users.

For subscriptions purchased via the website through Stripe, the seller is Vittorio Giusti srl, which uses Stripe solely as its payment processor. In this case Vittorio Giusti srl is the party that collects the payment and takes care of the related tax and accounting obligations (issuance of an invoice or receipt/fiscal record as applicable). The processing of payment data is described in the Privacy Policy, §3.7.

All subscriptions renew automatically at the end of the period (monthly or annual), unless cancelled by the User before the renewal date. Cancellation occurs through the purchase-channel procedures (App Store, Google Play, Stripe).

Cashfulness is a digital service provided on a subscription basis. Under Articles 52-57 of the Italian Consumer Code (Legislative Decree 206/2005, as amended by Legislative Decree 21/2014 and Legislative Decree 170/2021), the consumer User has the right to withdraw from the contract within 14 days of its conclusion, without having to provide any justification and at no cost other than as set out below.

The right of withdrawal remains exercisable at any time within the 14 days, even if the User has in the meantime already started using the service. Because this is a service (and not digital content supplied on a one-off basis), the forfeiture provided for by Art. 59(1)(o) of the Consumer Code does not apply: that provision concerns digital content not supplied on a tangible medium and requires the User’s express prior consent together with acknowledgement of the loss of the right — consent which is currently not collected at purchase.

If the User exercises withdrawal after having requested that the service begin during the cooling-off period, the User owes only the pro-rata amount for the service actually used up to the communication of withdrawal, under Art. 57(3) of the Consumer Code. Any excess already paid is refunded.

How to exercise withdrawal: the User may send an explicit and unequivocal statement (email to info@cashfulness.com) or use the cancellation/refund procedures of the purchase channel (App Store, Google Play, Stripe). The refund is issued by the payment channel using the same means used for the purchase, unless otherwise agreed, within the statutory time limits.

Users who participate in the beta phase (see §13) have specific commercial treatment: see §13.3.

For subscriptions purchased on the App Store or Google Play, Vittorio Giusti srl never sees the User’s name, address, credit card, or IBAN: these data are visible only to the chosen payment channel (Apple or Google), and Cashfulness receives exclusively the net amount and an opaque subscription identifier.

For subscriptions purchased via the website through Stripe, where Vittorio Giusti srl is the seller, the company instead receives — through the Stripe dashboard — the name, email address, billing address (if required), the card brand and last 4 digits, and the payment outcome. In no case does Vittorio Giusti srl receive the full credit card number or the CVV. Details are in the Privacy Policy, §3.7.

For subscriptions purchased on the App Store or Google Play, invoices or fiscal receipts are issued directly by Apple or Google (acting as merchant of record) according to their respective policies and the regulations of each country; the User may request them from the respective store.

For subscriptions purchased via the website through Stripe, the seller is Vittorio Giusti srl, which issues the invoice or receipt/fiscal record in accordance with the applicable Italian tax rules and retains it for the statutory period (10 years, Art. 2220 of the Italian Civil Code). The User may request the document by writing to the contacts indicated in §1.

Any changes to the price of Premium or Ultra plans will be communicated to active users with at least 30 days’ notice by email. The User may always cancel before the new price takes effect, keeping the old price for the period already paid.

The trademark “Cashfulness” is the exclusive property of Vittorio Giusti srl (EUIPO registration no. 019297195). The application source code, the website, the blog editorial content, the graphics, the logos, and all other elements of the service are protected by copyright, trademarks, and other forms of intellectual property protection, and remain the exclusive property of Vittorio Giusti srl or the respective licensors.

The User remains at all times the owner of their accounting data, their uploaded documents, and any other content they enter into the service. Vittorio Giusti srl acts exclusively as a technical provider and has a limited, non-exclusive, revocable, and non-transferable license to process such data solely for the purpose of delivering the service requested by the User, as described in the Privacy Policy.

The User may at any time:

Vittorio Giusti srl grants the User a non-exclusive, personal, non-transferable, revocable license to use the Cashfulness service solely for the purposes of personal finance management, within the limits of the subscribed plan. The User may not:

Vittorio Giusti srl may temporarily suspend the User’s account in case of:

The suspension is notified by email to the User, indicating the reason and — where possible — the procedure to resolve it.

In the event of a serious or repeated breach of these Terms, Vittorio Giusti srl may terminate the contract with immediate effect, notifying the User by email. In such a case the User is entitled to a pro-rata refund of any active subscription, according to the purchase-channel procedures.

The User may withdraw at any time by deleting the account (see §4.5). For paid subscriptions, the cancellation procedures of the purchase channel apply (App Store, Google Play, Stripe), as well as the right of withdrawal under §5.4 for consumers within 14 days of purchase.

Cashfulness is a digital service and makes digital content available under Articles 135-octies et seq. of the Italian Consumer Code (Legislative Decree 206/2005, as amended by Legislative Decree 173/2021 implementing Directive (EU) 2019/770). Towards the consumer User, Vittorio Giusti srl is liable, under Article 135-quaterdecies of the Consumer Code, for any lack of conformity of the service and digital content existing at the time of supply and becoming apparent within two years of that time.

For digital services supplied on a continuous basis (such as Cashfulness), the guarantee applies throughout the period during which the service is to be supplied under the contract, and in any case for a period of no less than two years.

The service and digital content are deemed to conform to the contract if, among other things, they match the description, quantity, quality and functionality declared, are fit for the purposes for which services of the same type are used, and are supplied in the most recent version available at the time the contract was concluded, unless otherwise agreed (Articles 135-decies and 135-undecies of the Consumer Code).

Under Article 135-undecies of the Consumer Code, Vittorio Giusti srl provides the User with the updates (including security updates) needed to keep the service and digital content in conformity for the entire period stated in §10.1. The User is informed of such updates through the communication channels set out in these Terms. If the User fails to install, within a reasonable time, the updates made available, Vittorio Giusti srl is not liable for any lack of conformity resulting solely from the failure to install, provided that the User was informed of the availability of the update and of the consequences of failing to install it.

In the event of a lack of conformity, the User is entitled, under Article 135-octiesdecies of the Consumer Code, to the following remedies, in the order indicated:

On termination, Vittorio Giusti srl refunds the User any amounts paid for the portion of the service that is non-conforming or not used, following the purchase-channel procedures; for free plans, termination results in the cessation of supply without a monetary refund, since no price was paid. Termination for lack of conformity is not available where the lack of conformity is minor.

For digital content and services supplied on a continuous basis, any lack of conformity becoming apparent within the guarantee period (§10.1) is presumed to have existed at the time of supply, unless proven otherwise, under Article 135-sexiesdecies of the Consumer Code: the burden of proving that the lack of conformity did not exist lies with Vittorio Giusti srl.

To invoke the legal guarantee of conformity, the User may contact Vittorio Giusti srl using the means set out in §14 (Communications), describing the lack of conformity found. The legal guarantee of conformity is provided free of charge and is in addition to, and does not replace, the other rights granted to consumers by law.

Without prejudice to the legal guarantee of conformity provided by the Consumer Code (see §10) in favour of the consumer User, which remains unaffected, the Cashfulness service is provided “as is”: Vittorio Giusti srl gives no further warranties, express or implied, of fitness for particular purposes or absolute absence of errors, beyond what is required by law for the protection of consumers. It makes every reasonable effort to keep the service running and secure, but does not guarantee a specific service level (SLA) — except for any commitments expressly agreed in writing with business users in the future.

Cashfulness is not a personalized financial-advisory service, nor a tax or legal advisory service. The data displayed and computations generated by the app (Balance Sheet, Income Statement, financial-health indicators, operational tips) are intended for educational and personal-organization purposes, do not constitute investment recommendations within the meaning of Regulation (EU) 600/2014 (MiFIR) nor tax recommendations. For investment, tax, or legal decisions, the User must consult a licensed financial advisor, accountant, or lawyer.

Without prejudice to mandatory consumer-protection limits set by law and to cases of willful misconduct or gross negligence, the total liability of Vittorio Giusti srl towards the User, on any basis (contractual, extracontractual, or otherwise), is in any case limited to the greater of the following two amounts:

This limitation also applies to Free-plan Users.

Vittorio Giusti srl is not liable for service disruptions, unavailability, or malfunctions due to:

Cashfulness is currently in beta phase: the service is actively evolving, features may be added, modified, or removed without notice, the user interface may change, and the following may occur:

During the beta phase, Vittorio Giusti srl does not guarantee any service level (SLA): it commits to no minimum uptime, no response time for support requests, no update frequency. The User who participates in the beta accepts this condition.

Users admitted to the beta phase (either through direct invitation by Vittorio Giusti srl, or through approved signup to the beta waitlist) benefit from the following specific commercial treatments:

The beta phase ends when Vittorio Giusti srl officially announces the general availability of the service (“GA — General Availability”). From that moment, the provisions of this §13 cease to apply, except for the beta-tester commercial treatments of §13.3 that remain in force under the conditions indicated.

These occur by email to the address associated with the account. It is the User’s responsibility to keep their email address up to date.

Under Italian Legislative Decree 130/2015, the consumer User may turn to an alternative dispute resolution (ADR) body to settle any disputes arising from these Terms.

Consumer Users residing in the European Union may also use the European Commission’s ODR platform (Online Dispute Resolution), available at: ec.europa.eu/consumers/odr.

If any provision of these Terms is held to be invalid or ineffective by a competent authority, the remaining provisions will continue to be fully valid and effective.

The failure of Vittorio Giusti srl to enforce any provision of these Terms does not constitute a waiver of its future enforcement.

These Terms, together with the Privacy Policy and the Cookie Policy, constitute the entire agreement between the parties regarding the subject matter regulated herein, and supersede any prior agreement, understanding, or communication between the parties on the same subject.

The User may not assign their account or rights deriving from these Terms to third parties without the prior written consent of Vittorio Giusti srl. Vittorio Giusti srl may assign the contract to third parties (e.g. in case of extraordinary corporate operations such as merger, demerger, sale of business or business unit) by notifying users at least 30 days in advance.