Privacy Policy

SAVIX is built with privacy and security in mind. We don’t collect personal or financial data from users, and no information is stored on our servers. All data is stored locally on your device, with no automatic syncing to external servers. If you choose to back up your data, it will be securely sent to your personal email. Your information remains private, protected, and is never shared with any third parties. You are always in control of your data while using SAVIX, ensuring your financial information remains confidential..

Terms of Service

Effective date: 2025-01-01

Welcome to the Savix Independent Group App ("the App"). These Terms of Service ("Terms") govern your use of the App. By accessing or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

  1. Description of the App.

    The App is designed to serve as a ledger for savings groups, enabling users to manage and track their financial activities. The App operates primarily offline, with all data stored locally on your device. The only feature requiring internet access is the optional backup to Google Drive.
  2. Eligibility.

    To use the App, you must be at least 18 years old or have the consent of a legal guardian. By using the App, you confirm that you meet these eligibility requirements.
    • Data Collection and Storage.

    • Local Storage: All data entered into the App is stored locally on your device. We do not collect, store, or have access to your data.
    • Data Backup to Google Drive. If you choose to use the backup feature, your data will be uploaded to your personal Google Drive account. This process is subject to Google’s Terms of Service and Privacy Policy.
  3. Your Responsibilities.

    • Data Backup. It is your responsibility to back up your data regularly. We are not responsible for any data loss that occurs as a result of device failure, accidental deletion, or any other circumstances.
    • Device Security. You are responsible for securing your device and ensuring that unauthorized users do not access the App.
  4. Intellectual Property.

    The App and all associated intellectual property rights remain the exclusive property of VSL Associates and Kalority. You may not copy, modify, distribute, or reverse engineer any part of the App without our express written consent.
  5. Disclaimer of Warranties.

    The App is provided "as is" and "as available" without any warranties of any kind, express or implied. We do not guarantee that the App will be error-free, secure, or available at all times.
  6. Limitation of Liability.

    To the fullest extent permitted by law, VSL Associates and Kalority will not be liable for any damages arising from your use of the App, including but not limited to data loss, device failure, or unauthorized access to your data.
  7. Changes to the Terms.

    We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of the App constitutes acceptance of the updated Terms.
  8. Termination.

    We may terminate your access to the App at any time without notice if you violate these Terms or for any other reason at our discretion.
  9. Contact Information.

    If you have any questions or concerns about these Terms, please contact us using the contact information provided on our website.