Terms of Service
All Banks Terms of Service
These Terms of Service ("Terms") govern access to and use of the All Banks website and related support provided by LOVIGIN LTD. The All Banks app for iPhone, iPad, and Mac is distributed through Apple's App Store and is also subject to Apple's applicable terms and any terms presented through Apple at purchase or download.
1. Operator
The service operator is LOVIGIN LTD, company number 16203160, with its registered office at 86-90 Paul Street, London, EC2A 4NE, United Kingdom. Contact details are available on the Contacts page.
2. Acceptance and eligibility
By using this website or contacting us regarding All Banks, the user agrees to these Terms. A user must have the legal capacity required to acquire and use the app and must use the service in compliance with applicable law.
3. Product purpose
All Banks is a personal finance organization and net worth visibility tool. It is not a bank, payment institution, broker, exchange, custodian, crypto wallet, tax adviser, accountant, investment adviser, or legal adviser. Information shown by the app depends on data entered or maintained by the user and should be checked before any financial decision is made.
4. Free app, Pro purchase, subscriptions, and App Store distribution
- Calls to action on this website may direct users to the Apple App Store. The applicable price, currency, availability, taxes, payment terms, and purchase confirmation are shown and administered by Apple at the time of purchase.
- Manual account entry, current balances, multi-currency totals, and net worth are offered free of charge. All Banks Pro is a non-consumable purchase that unlocks Money Brief, History & Insights, and Loans. Its local price is shown before purchase.
- Cloud Sync is offered as a monthly or annual auto-renewable subscription service for encrypted storage and synchronization. The app's local features and All Banks Pro remain available without an active Cloud Sync subscription. The duration and local price are displayed before confirmation. Payment is charged to the user's Apple Account; subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period and can be managed in App Store account settings.
- LOVIGIN does not process App Store payment details through this website. Purchases, billing, download access, and any Apple refund process are subject to Apple's services and applicable terms.
- Use of the app may require a compatible device, supported App Store storefront, Apple account, and acceptance of Apple's terms.
5. Refunds and statutory rights
Nothing in these Terms limits non-excludable consumer rights under applicable law. Refund or cancellation requests will be handled in accordance with applicable law and Apple's applicable App Store processes and terms.
6. License, ownership, and restrictions
All Banks, the website, software, design, copy, trademarks, and other product materials are owned by LOVIGIN or its licensors. Subject to applicable App Store terms, a download grants access to the free core, the Pro purchase grants access to its included features, and an active Cloud Sync subscription grants access to encrypted synchronization; neither transfers intellectual property rights.
Users must not misuse the website or endpoints, interfere with security or availability, automate abusive requests, attempt unauthorized access, reverse engineer where prohibited by law, or use the service for unlawful activity.
7. User data and device responsibility
The user is responsible for the accuracy of information entered into the app, backups and sync choices available through the user's device ecosystem, device security, account security, and safekeeping of the recovery key for encrypted sync. LOVIGIN cannot decrypt or restore encrypted records without that key. Users must keep financial and crypto credentials out of support messages.
8. Availability and changes
We may maintain, update, change, suspend, or discontinue website features, App Store availability, and product functionality where reasonably necessary. We do not guarantee that the website, App Store, or third-party services will always be uninterrupted or error free.
9. Disclaimers and limitation of liability
To the maximum extent permitted by applicable law, the service is provided on an "as is" and "as available" basis without warranties beyond those that cannot lawfully be excluded. LOVIGIN is not responsible for losses caused by inaccurate user-entered data, financial decisions made using the app, Apple systems, device compromise, or events outside reasonable control.
Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by law, including liability for fraud or fraudulent misrepresentation.
10. Privacy
The All Banks Privacy Policy explains how personal data is handled in connection with the website, support, and the app's privacy model.
11. Governing law
These Terms are governed by the laws of England and Wales, except where mandatory consumer protection law provides otherwise. Courts with jurisdiction under applicable law may hear disputes relating to these Terms.
12. Contact
Questions about these Terms, access, or support may be sent through the Contacts page or to allbanks@lovigin.com.