Terms & Conditions

1. Introduction

These Terms and Conditions ("Terms") govern your use of SnapFolio ("the App"), a mobile application developed and published by TenebraTechnologies s.r.o. ("we", "us", "our").

TenebraTechnologies s.r.o.
Majerníkova 3039/28, 841 05 Bratislava, Slovenská republika
IČO: 57363544
Zapísaná v Obchodnom registri Mestského súdu Bratislava III, oddiel Sro, vložka č. 194527/B

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

2. App Description

SnapFolio is a personal finance tracking application for mobile devices. It allows you to record the value of your financial assets, track net-worth over time, visualize trends, and set financial goals. All financial data is created, stored, and processed exclusively on your device. The App has no backend, no cloud synchronization, and no user authentication.

The App is free to download and use in its basic version, which includes core snapshot tracking limited to 4 assets, 1 debt, 1 asset group, 1 goal and 1 dashboard chart. Exporting your data (XLSX) is always available free of charge. The full feature set is permanently unlocked by a single one-time in-app purchase, SnapFolio Pro (see Section 4). The basic version is not time-limited and does not contain advertising.

3. Data & Privacy

SnapFolio does not collect, transmit, or store any personal data on external servers. All information you enter is stored locally on your device and is never sent to us or any third party. The App contains no analytics, crash reporting, or advertising SDKs. The only network communication the App performs is the anonymous validation of the optional SnapFolio Pro purchase described in Section 4.

All data you enter is processed exclusively on your device. We have no access to it and perform no processing of personal data within the meaning of Regulation (EU) 2016/679 (GDPR). You are solely responsible for the security and backup of data stored on your device.

For full detail on the data the App handles, the permissions it requests and how you exercise your rights, see the SnapFolio Privacy Policy.

4. Purchase & Payments

SnapFolio is free to download from the Apple App Store or Google Play Store. The full feature set — unlimited assets, debts, groups, goals and dashboard charts, backup import & restore, PDF reports, snapshot reminders and all themes — is unlocked by SnapFolio Pro, a one-time (non-recurring, non-subscription) in-app purchase granting a lifetime unlock. The price is displayed in the store at the time of purchase. All payments are processed by the respective platform operator (Apple Inc. or Google LLC) and are subject to their terms and refund policies. We never receive or store your payment details.

To validate purchases and remember your unlock across reinstalls, the App uses RevenueCat, a purchase-infrastructure service. RevenueCat processes only anonymous purchase-validation data and never receives your financial data — see the SnapFolio Privacy Policy for details.

Restoring your purchase: SnapFolio Pro can be restored on any device signed into the same App Store or Google Play account by using the "Restore purchase" option in the App.

Existing customers: if you originally bought SnapFolio while it was distributed as a paid-upfront app, all Pro functionality is unlocked for you permanently at no additional cost. Contact us at support@tenebratechnologies.com if your unlock is not recognized.

We reserve the right to introduce additional paid features, premium upgrades, or in-app purchases in future versions of the App. Functionality you have already paid for — whether through the original paid-upfront purchase or through SnapFolio Pro — will not be removed or placed behind a further paywall.

Right of withdrawal: Under EU consumer law, you have the right to withdraw from a digital content purchase within 14 days without giving a reason. However, by completing the SnapFolio Pro in-app purchase, you expressly consent to the immediate delivery of the digital content and acknowledge that you thereby lose your right of withdrawal, in accordance with Article 16(m) of Directive 2011/83/EU. Refund requests after purchase are handled by Apple Inc. or Google LLC under their respective store policies.

5. Intellectual Property

The App, including all source code, design, graphics, and content, is the intellectual property of TenebraTechnologies s.r.o. and is protected by applicable copyright law. We grant you a personal, non-transferable, non-exclusive license to use the App on your devices; the SnapFolio Pro purchase extends this license to the unlocked features. You may not copy, modify, distribute, sell, or reverse-engineer the App.

6. Disclaimer of Warranties

The App is provided "as is" without warranties of any kind, express or implied, except as required by applicable law. We do not guarantee the accuracy of any financial calculations, projections, or visualizations produced by the App. SnapFolio is a personal tracking tool and is not intended as financial advice. Do not make investment or financial decisions based solely on data shown in the App.

Nothing in these Terms limits our liability for defects in digital content where such liability cannot be excluded under applicable EU law, including Directive (EU) 2019/770 on contracts for the supply of digital content and digital services. We will provide updates necessary to keep the App in conformity with these Terms for as long as reasonably required.

7. Limitation of Liability

To the maximum extent permitted by applicable law, TenebraTechnologies s.r.o. shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App, including but not limited to financial losses resulting from decisions made based on App data. This limitation does not apply to liability that cannot be excluded under EU consumer protection law or Directive (EU) 2019/770.

8. Changes to Terms

We may update these Terms from time to time. Updated Terms will be posted on this page with a revised "Last updated" date. Continued use of the App after any changes constitutes your acceptance of the updated Terms.

9. Governing Law

These Terms are governed by the laws of the Slovak Republic. EU consumer protection legislation applies where applicable.

10. Contact

Questions about these Terms? Contact us at:
support@tenebratechnologies.com
TenebraTechnologies s.r.o., Majerníkova 3039/28, 841 05 Bratislava