Terms and Conditions

Last Updated: March 25, 2026

Welcome to Totali (“we,” “our,” or “us”). These Terms and Conditions (“Terms”) govern your access to and use of the Totali mobile application, website, and related services (collectively, the “Service”).

By accessing or using Totali, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. By using Totali, you represent and warrant that you meet this requirement.

2. Description of Service

Totali is a personal finance and expense tracking tool that allows users to:

• Record and categorize financial transactions
• Set budgets and track spending
• View financial summaries and insights

Totali does not provide financial, investment, tax, or legal advice.

3. No Financial Advice

All information provided through the Service is for informational purposes only. You acknowledge that:

• Totali does not provide financial advice
• Any decisions you make based on the Service are your sole responsibility
• You should consult a qualified professional before making financial decisions

4. User Accounts

You may be required to create an account. You agree to:

• Provide accurate and complete information
• Keep your credentials secure
• Be responsible for all activity under your account

We are not liable for unauthorized access resulting from your failure to safeguard your credentials.

5. User Data and Content

You retain ownership of the data you input into Totali (“User Content”). By using the Service, you grant us a limited, non-exclusive license to store, process, and display your data solely for the purpose of providing the Service. You are solely responsible for the accuracy of your data.

6. Data Accuracy Disclaimer

Totali relies on user-provided data and/or third-party integrations. We do not guarantee that financial data is accurate, calculations are error-free, or insights are complete or reliable. You agree that the Service may contain errors or inaccuracies.

7. Third-Party Services

The Service may integrate with or link to third-party services. We are not responsible for third-party data accuracy, security practices, or availability. Your use of third-party services is at your own risk.

8. Subscription and Payments

Certain features may require a paid subscription. By subscribing, you agree:

• To pay all applicable fees
• That subscriptions may auto-renew unless canceled
• That fees are non-refundable except where required by law

We reserve the right to change pricing with reasonable notice.

9. Intellectual Property

All rights, title, and interest in the Service (excluding User Content) are owned by Totali. You may not copy, modify, reverse engineer, or distribute any part of the Service without our written permission.

10. Acceptable Use

You agree not to use the Service for unlawful purposes, attempt to gain unauthorized access, interfere with system integrity, or upload malicious code. We reserve the right to suspend or terminate accounts violating these rules.

11. Privacy

Your use of the Service is also governed by our Privacy Policy. We take reasonable measures to protect your data, but no system is completely secure.

12. Security Disclaimer

While we implement industry-standard safeguards, you acknowledge that no digital system is 100% secure and we cannot guarantee protection against breaches or unauthorized access. Use the Service at your own risk.

13. Service Availability

We do not guarantee that the Service will be uninterrupted, error-free, or available at all times. We may modify, suspend, or discontinue the Service at any time without liability.

14. Limitation of Liability

To the maximum extent permitted by law, Totali shall not be liable for indirect, incidental, or consequential damages, loss of data, or errors in financial tracking. Our total liability shall not exceed the amount you paid (if any) for the Service in the past 12 months.

15. Indemnification

You agree to indemnify and hold harmless Totali from any claims arising from your use of the Service, your violation of these Terms, or your data and actions.

16. Termination

We may suspend or terminate your access at any time, with or without notice, if you violate these Terms. You may stop using the Service at any time.

17. Changes to Terms

We may update these Terms periodically and will notify users of material changes. Continued use of the Service constitutes acceptance of updated Terms.

18. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws in your operating jurisdiction. Any disputes shall be resolved in the courts of that jurisdiction.

19. Dispute Resolution

Before initiating legal action, you agree to attempt to resolve disputes informally by contacting us. If unresolved, disputes shall be handled through binding arbitration or courts of competent jurisdiction.

20. Disclaimer of Warranties

The Service is provided “as is” and “as available.” We disclaim all warranties, including merchantability, fitness for a particular purpose, and non-infringement.

21. Contact Information

If you have questions about these Terms, please contact us at: support@orphelios.com

22. Entire Agreement & Severability

These Terms constitute the entire agreement between you and Totali regarding the Service. If any provision is found unenforceable, remaining provisions remain in full force.

© 2026 Orphelios. All rights reserved.