Terms of Service

This Terms of Service Agreement (“Agreement”) is a legal agreement between you (“User”, “You”) and Rahul Chowdhury (“we”, “us”, or “our”) governing your use of the Ducat application and related services (the “App” or “Service”).

By creating an account, subscribing to, or using Ducat, you agree to be bound by this Agreement.

If you do not agree, do not use the App.

1. Service Overview

Ducat is a subscription-based personal finance application.

The App provides tools for:

• Recording and analysing financial transactions
• Tracking subscriptions and recurring payments
• Delivering reminder notifications for subscriptions tracked within the App
• Processing queries using AI services
• Syncing and securely storing your data through hosted infrastructure

Ducat is provided as a service, not a one-time software purchase.

2. Account

To use Ducat, you must create an account using a valid email address and password.

You agree to:

• Provide accurate account information
• Maintain the confidentiality and security of your account credentials
• Be responsible for all activity carried out under your account
• Notify us promptly of any unauthorised access to your account

We may suspend or terminate accounts that violate these Terms.

3. Subscriptions, Billing, and Trial

Certain features of Ducat require an active paid subscription.

• New accounts include a 14-day free trial without requiring a credit card or payment method
• The trial does not automatically convert into a paid subscription
• After the trial period ends, Ducat enters a limited read-only mode
• In read-only mode, you may continue viewing existing data, but you cannot:
  • Add or modify transactions
  • Add or modify subscriptions
  • View detailed reports
  • Receive subscription reminder notifications
• A paid subscription is required to restore full functionality

Payments and subscription management for the web application are handled by Polar (polar.sh).

We do not store your full payment details on our servers.

4. License to Use the App

Subject to compliance with this Agreement and any applicable subscription requirements, we grant you a:

• Personal
• Non-exclusive
• Non-transferable
• Revocable

Licence to use Ducat for your own, non-commercial purposes.

The App is licensed, not sold.

5. Data Storage and Service Operation

Your data is stored and processed on servers hosted in Germany through third-party infrastructure providers engaged by us.

By using Ducat, you acknowledge and agree that:

• Your financial and account-related data may be stored and processed on our servers
• Certain functionality depends on internet connectivity and server availability
• We may use third-party infrastructure and service providers to operate the Service

We implement reasonable technical and organisational measures designed to protect user data, but no system can be guaranteed completely secure.

For details regarding how we collect, use, and process personal information, please refer to our Privacy Policy.

6. Notifications and Communications

Ducat may send notifications and communications related to your account and subscriptions, including:

• Reminder notifications for third-party subscriptions and recurring payments tracked within the App
• Service-related announcements
• Security notifications
• Billing or account-related emails

Reminder notifications are delivered on a best-effort basis and may be sent through browser notifications, email, or other supported delivery methods.

We do not guarantee the delivery, timing, or reliability of notifications.

You are responsible for independently monitoring your subscriptions and financial obligations.

7. Analytics and Usage Data

We may collect anonymised usage and diagnostic data to improve the Service.

This may include:

• Feature usage information
• Performance and reliability metrics
• Device and browser information
• Anonymous identifiers and event data

We use third-party analytics providers, including PostHog, for product analytics and service improvement.

We do not intentionally send personally identifiable information such as your name, email address, or financial transaction contents to analytics providers.

Analytics events are associated only with anonymised identifiers.

8. Fair Use and Service Limits

We do not impose fixed limits on the number of transactions or queries you can process using the App.

However, to maintain service reliability and prevent abuse, we reserve the right to apply reasonable fair-use limits, including:

• Rate limiting excessive requests
• Temporarily restricting automated or abusive usage
• Suspending accounts involved in fraud, scraping, or misuse

These measures are designed to protect the Service for all users.

9. Restrictions

You may not, and agree not to:

• Resell, rent, or commercially exploit the App or Service
• Reverse-engineer, decompile, or modify the App or Service
• Attempt to bypass subscription checks or service limits
• Use automated scripts or bots to abuse the Service
• Interfere with servers, APIs, or infrastructure
• Attempt unauthorised access to accounts or data
• Use the App in violation of any applicable law

10. Ownership

All rights, title, and interest in Ducat, including software, design, branding, infrastructure, and intellectual property, remain the exclusive property of Rahul Chowdhury.

This Agreement does not transfer ownership rights to you.

11. Third-Party Services

Ducat relies on third-party services and providers, including but not limited to:

• Polar (payments and subscriptions)
• OpenAI (AI processing)
• PostHog (analytics)
• Hosting and infrastructure providers
• Email delivery providers

We are not responsible for the availability, security, or practices of third-party services.

Your use of those services may also be subject to their respective terms and privacy policies.

12. Modifications and Updates

We may:

• Update or improve the App
• Add or remove features
• Modify or discontinue parts of the Service

Updates or changes may occur without prior notice.

We are not obligated to maintain any specific feature indefinitely.

13. Refunds

Unless required by applicable law, subscription fees are non-refundable.

By purchasing a subscription, you acknowledge that access to the digital service begins immediately after purchase.

We reserve the right to deny refunds in cases involving:

• Abuse of free trials or promotional offers
• Fraudulent chargebacks or payment disputes
• Repeated refund requests associated with continued use of the Service
• Violations of these Terms

Nothing in these Terms limits any non-waivable consumer rights granted under applicable law.

14. Termination

This Agreement remains in effect until terminated.

You may terminate by:

• Cancelling your subscription
• Closing your account
• Discontinuing use of the App

We may suspend or terminate access if you violate these Terms or misuse the Service.

Termination does not automatically entitle you to refunds for unused subscription periods unless required by applicable law.

15. Warranty Disclaimer

THE APP AND SERVICE ARE PROVIDED “AS IS” AND “AS AVAILABLE.”

To the fullest extent permitted by law, we disclaim all warranties, express or implied, including:

• Merchantability
• Fitness for a particular purpose
• Uninterrupted or error-free operation
• Continuous availability of the Service

We do not guarantee that the Service will always be available, secure, accurate, or free from defects.

The Service may experience downtime, delays, maintenance interruptions, notification failures, or outages due to technical issues, updates, infrastructure problems, or third-party providers.

We are not responsible for losses or damages resulting from such interruptions or failures.

16. Limitation of Liability

To the maximum extent permitted by law:

• Our total liability shall not exceed the amount you paid to us in the preceding 12 months
• We are not liable for indirect, incidental, special, consequential, or punitive damages, including loss of data, financial loss, lost profits, or business interruption

You acknowledge that Ducat is a financial tracking tool and not a financial advisory service.

17. Indemnification

You agree to indemnify and hold us harmless from claims, liabilities, damages, or expenses arising from:

• Your use of the App
• Violation of these Terms
• Violation of applicable law
• Violation of any third-party rights

18. Governing Law

This Agreement is governed by the laws of India, excluding conflict of law rules.

Any disputes shall be resolved exclusively in courts located in India.

19. Changes to These Terms

We may update these Terms from time to time.

The latest version will always be available on our website. Continued use of Ducat after changes become effective constitutes acceptance of the updated Terms.

If you have questions, contact: help@ducat.app