Terms of Service

These Terms of Service ("Terms") govern your use of the Veto iOS app and the website at get-veto.app (collectively, the "Service"), operated by Team Veto ("Veto," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

You must be at least 13 years old to use Veto. By using the Service you confirm that you meet this requirement and that you have the legal capacity to enter into a binding agreement. If you are between 13 and 18 years old, you confirm that you have obtained parental or guardian consent.

These Terms incorporate our Privacy Policy by reference. Please read both documents.

2. Description of Service

Veto is an intentional spending assistant designed to interrupt impulse purchases before they happen. The core features are:

• The Gauntlet: A structured AI conversation that analyses a purchase consideration across three frameworks — Physics (what the item is), Psychology (why you want it), and Economics (whether you can afford it). A Gauntlet session ends with a Verdict: Approved, Denied, Conditional, Alternative, or Deferred.
• Visual Scouting: Submit a product URL, screenshot, or description to identify an item and populate its details automatically.
• Spending Pattern Detection: Automated analysis of your purchase history to surface recurring behavioural tendencies (e.g., late-night buying, stress spending, subscription creep).
• Priority Timeline: A ranked wishlist to help you evaluate purchases in context of competing priorities.
• Outcome Retrospective: Follow-up prompts on past decisions to track whether purchases delivered their expected value.

The Service is provided "as is" and features may change, be paused, or be discontinued at any time.

3. Account Registration

You must create an account to use Veto. You agree to:

• Provide accurate, current, and complete information at registration.
• Keep your password confidential and not share access to your account.
• Notify us immediately at [email protected] if you suspect unauthorised access to your account.
• Be responsible for all activity that occurs under your account.

You may delete your account at any time from Settings → Account → Delete Account. Deletion is permanent and removes all associated data as described in our Privacy Policy.

4. Free Tier and Usage Limits

Veto is free to use with the following rate limits applied per account to ensure service availability:

• Advisor turns: 10 per hour, 20 per day, 100 per month. One turn equals one AI advisor response. A typical full Gauntlet uses 4–6 turns.
• Visual Scouting: 6 per hour, 20 per day.
• URL scraping: 20 per hour, 40 per day.

We reserve the right to adjust these limits at any time. Limits are applied per authenticated user account and reset on a rolling basis.

5. Future Paid Plans

We intend to introduce Veto Pro, a paid subscription offering higher usage limits and additional features. When available, Veto Pro will be offered exclusively through Apple's in-app purchase system in accordance with App Store guidelines. Subscription terms, pricing, and cancellation instructions will be presented clearly at the point of purchase. Until Veto Pro is launched, no payment is required or accepted.

6. AI-Generated Content — Not Financial Advice

The Veto AI advisor generates responses based on the information you provide and a set of structured analysis frameworks. Veto is not a financial adviser, and nothing in the Service constitutes financial, investment, legal, tax, or professional advice of any kind.

• AI verdicts are intended to prompt reflection, not to direct your financial decisions.
• The advisor's analysis is based solely on the information you enter; it does not have access to your bank accounts, credit history, or real financial records.
• You remain solely responsible for any purchasing decisions you make.
• AI responses may occasionally be inaccurate, incomplete, or contextually inappropriate. Do not rely on them as the sole basis for significant financial decisions.

7. Your Content

You retain ownership of the content you submit to Veto — including item names, descriptions, photos, financial profile data, and conversation messages ("Your Content"). By submitting Your Content, you grant Veto a limited, non-exclusive, worldwide, royalty-free licence to store, process, and transmit it solely for the purpose of providing the Service to you.

We do not use Your Content to train AI models. We do not share Your Content with third parties except as described in our Privacy Policy. You are responsible for ensuring Your Content does not infringe any third-party rights.

8. Prohibited Uses

You agree not to:

• Use the Service to generate, store, or transmit content that is unlawful, harmful, defamatory, obscene, or that infringes the intellectual property rights of others.
• Attempt to reverse-engineer, decompile, or extract source code from any part of the Service.
• Use automated tools (bots, scrapers, scripts) to access the Service or to generate advisor interactions at scale.
• Circumvent or attempt to circumvent usage rate limits.
• Use the Service in a way that could damage, disable, or impair our infrastructure or interfere with other users.
• Attempt to gain unauthorised access to any part of the Service, including other users' accounts or data.
• Resell, sublicense, or commercially exploit the Service without our written permission.

9. Intellectual Property

All rights, title, and interest in and to the Service — including the app, website, design, trademarks, logos, and underlying software — are owned by or licensed to Veto. Nothing in these Terms grants you any right to use our intellectual property other than as necessary to use the Service as intended.

The Veto name, logo, and the "V" mark are trademarks of Team Veto. You may not use them without our prior written consent.

10. Termination and Account Deletion

You may stop using the Service and delete your account at any time from within the app. We may suspend or terminate your account if:

• You violate these Terms.
• We are required to do so by law or a court order.
• We reasonably believe your account poses a security risk or is being used fraudulently.
• We discontinue the Service.

On termination, your right to use the Service ceases immediately. We will delete your data in accordance with our Privacy Policy. Sections 6, 9, 11, 12, and 14 of these Terms survive termination.

11. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VETO'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO VETO IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) £50. IN NO EVENT SHALL VETO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where applicable consumer protection laws in your country of residence provide otherwise.

If you are a consumer resident in the European Union, you may also be entitled to bring a claim before the courts of your country of residence, and EU mandatory consumer protection laws apply to the extent they provide greater protection than English law.

13. Changes to These Terms

We may update these Terms as the Service evolves. When we make material changes, we will update the "Last updated" date above. For significant changes, we will provide notice via the app or by email to the address associated with your account at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree to revised Terms, you must stop using the Service and delete your account.

14. Contact

Questions about these Terms or the Service:

• Email: [email protected]
• Contact form