Terms of Service

1. Acceptance of Terms

By creating an account, accessing, or using Talents (the "Service"), you agree to these Terms of Service. If you do not agree, please do not use the Service.

2. About Talents

Talents is a financial tracking app that helps you manage personal or shared ledgers, budgets, recurring expenses, and spending records.

Talents is operated by Daniel Osagie. In these terms, "we", "our" and "us" refer to Daniel Osagie operating Talents. Contact us at info@talentsft.co.uk.

• Personal and shared ledger management
• Budget, expense, and category tracking
• Recurring templates and annual summaries
• Financial projections and purchase lists
• CSV exports where your plan and permissions allow them
• Password reset, account-security, ledger invitation, and optional monthly insight notifications by email
• Billing and paid-feature activation via Stripe

Talents is provided as an organisational tool only. It does not provide financial, legal, tax, or investment advice.

3. User Accounts

When you create an account, you agree to:

• Be at least 18 years old
• Provide accurate account information
• Keep your credentials secure
• Be responsible for activity on your account
• Only invite collaborators who are authorised to see or manage the ledger data you share
• Notify us if you suspect unauthorised access

You are responsible for maintaining access to your email account, because security and recovery links are sent there.

4. Acceptable Use

You must not use Talents to:

• Break laws or regulations
• Attempt to breach or test system security without consent
• Upload or process illegal or harmful content
• Use shared ledgers, exports, or invitations to disclose another person's data without permission
• Interfere with service stability or other users

5. Payments, Billing, and Refunds

Talents offers Free and Pro access, with features and limits described on the Plans & pricing page. Stripe processes payments. The amount and billing frequency are shown before you confirm a purchase. Talents does not store full card details.

• Pro is a recurring subscription that renews unless you cancel renewal.
• A Ledger Boost is a separate one-time purchase, rather than a Pro subscription.
• Charges, billing updates, and payment failures are managed through Stripe flows
• Access to paid features may change if payment fails or is reversed
• Receipts/invoices may be sent by email where applicable

Cancelling renewal: Use Manage Renewal on the Billing page to stop the next subscription payment. Access continues until the end of the current paid period. Cancelling renewal does not itself delete your account or request a refund.

14-day refunds: You can request a refund within 14 days of your first Pro subscription purchase or a Ledger Boost purchase by emailing us with your account email and purchase date. When a refund is processed, the benefits provided by that purchase are removed. A refunded Pro subscription ends rather than continuing to renew.

Records you created are kept when a purchase is refunded. Your remaining plan and access limits determine which records and features you can use. For example, a ledger that requires Pro remains saved but unavailable until your account is eligible again. A refund does not delete your account.

Cancellation rights and refunds: Any cancellation, cooling-off or refund rights you have under applicable consumer law still apply. Access to a paid feature does not by itself remove those rights. To exercise a statutory cancellation right, request a refund or query a charge, email info@talentsft.co.uk with your account email and purchase date. The 14-day policy does not limit statutory rights you may have outside that period or in relation to subscription renewals.

Paid limits and features, including ledger boosts, collaboration, and exports, may vary by plan or one-time purchase.

6. Financial Information Disclaimer

Talents helps you track and organise financial data. It does not provide regulated financial, tax, legal, or investment advice.

You are responsible for decisions made using information in the Service.

Summaries and projections depend on the records and assumptions you enter. They are estimates for planning, rather than guarantees of future balances or financial returns. Review your figures before relying on them.

7. Data and Privacy

Your use of Talents is also governed by our Privacy Policy and Cookies Policy.

8. Intellectual Property

Talents, including its design, code, and branding, is proprietary and protected by intellectual property laws. Your own ledger and transaction data remains yours.

9. Service Availability

We aim for reliable availability but do not guarantee uninterrupted access. Downtime may occur for maintenance, updates, incidents, or third-party outages.

10. Limitation of Liability

To the extent permitted by law, Talents is not liable for indirect or consequential losses, including loss of data, loss of profits, or losses resulting from decisions based on app data.

Nothing in these Terms excludes liability that cannot be excluded under applicable law. This includes liability for fraud or fraudulent misrepresentation, and death or personal injury caused by negligence. Your statutory consumer rights are unaffected.

11. Termination

You may stop using Talents at any time. We may suspend or terminate access where these Terms are breached or where required for safety, security, or legal reasons.

You can delete your account in Settings. This removes your owned ledgers, including data shared with other members, and cancels an associated active subscription as part of the deletion process. Download any available exports you want to keep first. Deletion does not automatically refund previous payments. The Privacy Policy explains what happens to shared membership records and other retained information.

12. Changes to These Terms

We may update these terms as the Service or legal requirements change. We will publish the revised terms with an updated date and give reasonable advance notice of material changes affecting an ongoing paid service, unless a legal or urgent security change requires earlier action. Changes do not remove rights you already have in relation to a purchase.

13. Governing Law

These Terms are governed by the laws of England and Wales. If you are a consumer, this does not remove mandatory protections or rights to bring proceedings in your home jurisdiction where applicable law provides them.

14. Contact

For questions about these Terms, contact us at:
info@talentsft.co.uk