Terms of Service

1. Acceptance of Terms

By accessing or using the My Direct Debits application ("Service") operated by Voliciti Group Ventures Ltd ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our Service.

2. Description of Service

My Direct Debits is a personal finance tracking application that helps users track and manage their direct debit payments. The Service provides reminders and an overview of upcoming payments to help users stay in control of their finances.

3. User Accounts

To use our Service, you must:

• Be at least 16 years of age
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access

You are responsible for all activities that occur under your account.

4. Free and Premium Services

Our Service offers both free and premium tiers:

• Free Tier: Track up to 3 direct debits
• Premium Tier: Unlimited direct debits and additional features

Premium subscriptions are billed monthly or annually as selected. You may cancel at any time from within the app or by contacting us.

5. Payment Terms

Premium subscriptions are processed through Stripe. By subscribing, you authorize us to charge the payment method provided for the subscription fees. Prices are in GBP (£) and may be subject to change with notice.

6. Refund Policy

We offer refunds on a case-by-case basis. If you are unsatisfied with our Service within the first 14 days of a premium subscription, please contact us to discuss a refund.

7. User Conduct

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated means to access the Service without permission
• Violate the rights of other users

8. Intellectual Property

The Service and its original content, features, and functionality are owned by Voliciti Group Ventures Ltd and are protected by international copyright, trademark, and other intellectual property laws.

9. Disclaimer

The Service is provided "as is" without warranties of any kind. We do not guarantee that the Service will be uninterrupted, secure, or error-free. The Service is a tracking tool and does not provide financial advice.

10. Limitation of Liability

To the maximum extent permitted by law, Voliciti Group Ventures Ltd shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of the Service.

11. Account Termination

You may delete your account at any time from within the app. We reserve the right to suspend or terminate accounts that violate these Terms of Service.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the new Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

14. Contact Information

For questions about these Terms, please contact us at:

Voliciti Group Ventures Ltd
Email: info@mddreminder.uk