Terms of Use
Last updated: August 21, 2026
These Terms of Use ("Terms") govern your access to and use of the Valora mobile app and related services (together, "Valora"). By creating an account or using Valora, you agree to these Terms. If you don't agree, please don't use the app.
By downloading, accessing, or using Valora, you confirm that you've read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is part of these Terms by reference.
Valora is a personal finance organization tool. It helps you track budgets, recurring payments, cards, loans, expenses, reminders, notes, provision lists, and saved places, and lets you connect with a community of other users.
Valora is not a bank, a payment processor, or a financial institution. It doesn't connect to your bank accounts, move money, issue cards, or process real transactions — every card, loan, and expense you see in the app is information you entered yourself. Nothing in Valora is financial, investment, tax, or legal advice; see "Not Financial Advice" below.
When using Valora, you agree not to:
We may review reported community content and, at our discretion, remove content or suspend accounts that violate these Terms.
You keep ownership of the posts, comments, and other content you share in Valora's community areas ("your content"). By posting it, you give us a non-exclusive, worldwide, royalty-free license to host, store, display, and distribute that content within the app so other users can see it, and to moderate or remove it as described above. You're responsible for having the rights to whatever you post.
Valora is a tool for organizing information you already have. Nothing in the app — including budget calculations, community posts, tips, or suggestions from other users — is professional financial, investment, tax, accounting, or legal advice. Decisions about your money are yours to make, and we recommend consulting a qualified professional for advice specific to your situation. We're not responsible for the accuracy of data you enter, or for decisions made based on it.
Valora is currently free to use. We may introduce optional paid plans or features in the future; if we do, we'll clearly disclose their price and terms before you're charged, and additional terms may apply to those features.
Some parts of Valora rely on third-party services — for example, signing in with Google or Apple, receiving push notifications through Expo, or receiving emails through Resend. Your use of those features may also be subject to that provider's own terms and privacy policy, which we encourage you to review.
The Valora name, logo, and app design belong to us. Except for content you create, you may not copy, modify, or use them in a way that suggests an affiliation with or endorsement by Valora, without our written permission.
You can delete your account at any time from Settings → Account & Security. We may suspend or terminate your access if we reasonably believe you've violated these Terms, engaged in fraud or abuse, or if we're required to by law. Where practical, we'll try to let you know why.
Valora is provided "as is" and "as available," without warranties of any kind, to the extent permitted by law. We don't guarantee the app will be uninterrupted, error-free, or that it will meet your specific needs. To the extent permitted by law, Valora and its team aren't liable for indirect, incidental, or consequential damages arising from your use of the app; nothing here limits any liability that can't legally be excluded, or any rights you have as a consumer under the mandatory laws of the country where you live.
We may update these Terms as Valora evolves. If we make material changes, we'll update the "last updated" date above and, where appropriate, let you know in the app. Continuing to use Valora after changes take effect means you accept the updated Terms.
Valora is used by people all over the world, and these Terms aren't tied to the courts of a specific country. Wherever you are, nothing in these Terms limits any right you have under the mandatory consumer-protection laws of the country where you live.
Questions about these Terms? Reach us at [email protected], or through Settings → Support inside the app.
This document lives at app.valorabudgeting.com, a small static site whose main job is making the links in Valora's emails (like invitations) open correctly when you don't have the app installed yet. This particular page — the one you're reading — has no accounts, forms, or user-submitted content of its own; it's simply where these Terms are published.