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 §10.2.

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:

These third parties handle the payment, any issuance of invoices or fiscal receipts, automatic renewal, and any refunds according to their respective policies. Vittorio Giusti srl does not issue invoices or fiscal receipts directly to end users.

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

Under Italian Legislative Decree 21/2014 (Consumer Code), the consumer User has the right to withdraw from the contract within 14 days of subscription, without having to provide any justification. Withdrawal is exercised through the purchase-channel procedures.

Under Art. 59.1.o of the Italian Consumer Code, the right of withdrawal does not apply if the User has expressly accepted to use the service before the expiry of the 14 days and has acknowledged the loss of the right of withdrawal. In that case, consumption of the service (e.g. recording transactions, uploading documents) constitutes performance of the contract.

Users who participate in the beta phase (see §12) have specific commercial treatment: see §12.3.

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, Google, Stripe). Cashfulness receives exclusively the net amount and an opaque subscription identifier.

Invoices or fiscal receipts are issued directly by the purchase channels (Apple, Google, Stripe) according to their respective policies and the regulations of each country. The User may request them from the respective store/operator.

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.

The Cashfulness service is provided “as is”, within the limits permitted by applicable law. Vittorio Giusti srl makes no express or implied warranties of fitness for particular purposes or absolute absence of errors. 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 §12 cease to apply, except for the beta-tester commercial treatments of §12.3 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.