1. About this policy
VULT is a budgeting and money-management application designed in Australia. This policy applies to the VULT Android app, the web app at app.getvult.club, this website and related support services.
For privacy questions, contact support@getvult.club. Before commercial release, the legal operator details shown on the relevant app-store listing form part of this notice.
2. Information VULT may handle
Information you provide
This may include your name, email address, age or birthday, preferred currency, budgets, categories, transactions, income, balances, goals, debts, recurring bills, receipt text, statement files, preferences and support messages.
Account and technical information
When you sign in, VULT may process a user identifier, authentication records, session information and account status. Advertising and infrastructure providers may process device identifiers, IP address, diagnostics and app interactions as described below.
Information VULT does not currently request
The current release does not request or store your online-banking password. Receipt photos on Android are processed locally in the current scanning flow; enhanced matching uses bounded extracted text rather than uploading the receipt image.
3. Local and cloud modes
Local mode: core budget information can be stored on your device without a VULT account. Information that remains only on your device is not collected by VULT.
Account and cloud features: if you sign in and use eligible cloud features, VULT may store a finance snapshot linked to your account so it can sync across devices. This can include the budgeting information and preferences listed above.
4. How information is used
- Provide budgets, transaction history, goals, debt tools, reminders and app customisation.
- Authenticate accounts and sync eligible information across devices.
- Process selected receipts, statements and Financial Score requests.
- Send service, authentication and support communications.
- Maintain security, prevent abuse, diagnose faults and improve reliability.
- Show and measure advertising in the free tier where enabled.
- Meet legal obligations and respond to valid requests.
5. Service providers
VULT may use the following providers for specific functions:
- Supabase for authentication, database storage and protected server functions.
- OpenAI for selected Premium receipt, statement and financial-summary processing sent through protected server functions.
- Resend for configured transactional and support email.
- Google ML Kit for on-device receipt text recognition on supported Android devices.
- Google Mobile Ads for advertising in the free tier, which may process IP address, device identifiers, diagnostics and app interactions.
- Stripe for web subscription checkout and billing management where offered. VULT does not directly store complete payment-card details.
- Google Play for Android distribution and, when enabled, Android subscription billing.
These providers may process information in Australia or other countries under their own terms and privacy arrangements.
6. AI-assisted features
AI-assisted features are optional and are designed to receive only the information needed for the requested task. Outputs can be incomplete or incorrect and should be reviewed before being saved or acted upon.
The VULT Financial Score is an informational budgeting indicator. It is not a credit score, financial product recommendation or financial advice.
7. Advertising
The free Android tier may display advertising. Google Mobile Ads may automatically collect or share IP address, product interactions, diagnostic information and device or account identifiers for advertising, analytics and fraud prevention. Consent choices will be presented where required.
8. Retention and deletion
Local information remains until you remove it in VULT, clear the app’s storage or uninstall the app. Cloud information is retained while needed to provide your account and may be deleted or de-identified after account closure, subject to security, fraud-prevention, billing and legal retention requirements.
You can start a request through the account-deletion page. VULT may verify account ownership before completing a request.
9. Security
VULT uses encrypted network connections for current cloud services, account-based access controls and supported device security features. No method of storage or transmission is completely secure, so you should also protect your device, email account and passcode.
10. Your choices and rights
Depending on where you live, you may request access to or correction of personal information, object to certain processing, withdraw consent or request deletion. You can also choose local mode, disable eligible cloud features, adjust advertising consent and turn off optional notifications.
11. Children
VULT is intended for adults and is not directed to children under 18. Please do not create an account or provide personal financial information if you are under 18.
12. Changes and contact
VULT may update this policy when the product or applicable requirements change. Material updates will be communicated through the app, website or account email where appropriate.
Questions or requests: support@getvult.club.