1. General provisions

These terms of service (hereinafter: "Terms") govern the use of the Plutario application available at app.plutario.pl (hereinafter: "Service"). Service provider: Plutario, based in Poland. Contact: contact@plutario.pl.

2. Definitions

Service — the Plutario web application for personal finance management.
User — a natural person who has created an account in the Service.
Account — the User's individual account in the Service.
Subscription — a paid access plan (Starter, Standard, or Premium).
Trial period — 30 days of free access to the Standard plan upon registration.

3. Registration and account

Registration requires an email address or OAuth login (Google, GitHub, Microsoft, Apple).
Users must be at least 16 years old.
Users are responsible for the security of their login credentials.
One account per person — creating multiple accounts to obtain additional trial periods is prohibited.

4. Trial period

Every new account receives 30 days of free access to the Standard plan. After the trial ends, the account automatically downgrades to the Starter plan — we never charge without the User's explicit consent.

5. Subscription plans and payments

Starter — 45 PLN/year or 5 PLN/month. Up to 3 budgets, 5 financial accounts per budget, monthly reports.
Standard — 90 PLN/year or 10 PLN/month. Unlimited budgets and accounts, advanced reports, recurring transactions, budget sharing.
Premium — 180 PLN/year or 20 PLN/month. All Standard features plus transfer chains, multi-currency support, priority support.

Payments are processed via Stripe. Annual plans include a 25% discount compared to monthly billing. Prices include VAT.

6. Cancellation and refunds

Subscriptions can be cancelled at any time from your account settings.
After cancellation, you retain access to paid features until the end of the current billing period.
For annual plans, a proportional refund for the unused period is available upon request to contact@plutario.pl.
The trial period is free and does not require cancellation.

7. Acceptable use

Users agree to:

Use the Service only for its intended purpose (personal finance management).
Not share login credentials with third parties.
Not introduce unlawful content into the Service.
Not use techniques that may disrupt the Service (e.g., automated scripts, attacks).

8. CSV data import

The CSV import feature allows you to upload bank statements into the Service. Plutario does not access the User's bank account — the CSV file is processed locally, and imported transactions are stored in the Service database. The User is responsible for the accuracy of imported data.

9. Budget sharing

With Standard and Premium plans, Users can invite others to a shared budget via email. The invited person must have a Plutario account. The budget owner can revoke access at any time.

10. Intellectual property

The Service, its source code, interface, logo, and content are protected by copyright. Users retain full ownership of their financial data entered into the Service.

11. Availability and limitation of liability

We strive to keep the Service available 24/7, but do not guarantee uninterrupted operation.
Plutario is not liable for financial decisions made based on data from the Service.
Plutario's maximum liability is limited to the amount of subscriptions paid in the last 12 months.
Plutario is not liable for damages resulting from force majeure, third-party actions, or the User's breach of these Terms.

12. Account deletion

Users can delete their account at any time from the app settings. After deletion, all personal and financial data is permanently removed within 30 days, except for data whose retention is required by law.

13. Changes to the Terms

We reserve the right to modify these Terms. We will notify you of significant changes at least 14 days in advance via email. Continued use of the Service after changes take effect constitutes acceptance.

14. Governing law and disputes

These Terms are governed by Polish law. Any disputes will be resolved by the court competent for the Service provider's registered office, subject to mandatory consumer protection regulations.

15. Contact

For questions about these Terms, contact us at: contact@plutario.pl.