Terms of Service

1. Who we are

Rufi is provided by Maria Consuelo Maddaloni, Minturno (LT), Italy (“we”). Contact: rufi@rufiway.com. By using Rufi you accept these terms; if you do not accept them, do not use the app.

2. What Rufi is and is not

Rufi is an informational and educational tool for personal finance. It helps you organise income, expenses, budgets and net worth, and points out bonuses, deductions and benefits that may apply to you, with step-by-step guidance on how to claim them.

Rufi is not and does not replace: a financial advisor, an accountant, a tax assistance centre, a lawyer or a bank. In particular:

Rufi does not file applications, returns or claims on your behalf and does not certify your entitlement to any benefit.
Rufi does not provide investment advice and does not recommend specific financial instruments. Allocation models and comparisons are educational examples you choose.
Tax information is based on public sources, shown with a verification date, and consists of prudent estimates. Rules change: always check with a tax assistance centre or accountant before acting.
Rufi does not assess your creditworthiness.

3. Artificial intelligence

Some content is generated by AI models and is labelled as such. It may contain inaccuracies: it is input, not a decision. You can turn AI features off in Settings.

4. Your account

You must be at least 18 years old.
You are responsible for the data you enter and for keeping your credentials safe. Enable biometric lock and two-factor authentication if your device allows it.
You can delete your account at any time in Settings: your data is deleted immediately (see the Privacy Policy for household details).
We may suspend or close an account in case of abusive, fraudulent use or breach of these terms, notifying you unless urgent.

5. Household

If you create or join a household, the household’s financial data is shared among members. Invite only people you trust. A member who leaves keeps their entered transactions in the household, attributed to the administrator.

6. Price

Rufi is currently free. Some features are marked “coming soon” or “Premium”: you can ask to be notified when they become available. If we introduce paid plans in the future, we will show you price, duration, renewal and cancellation terms before any purchase, and these terms will be updated. [VERIFY: clause to complete when payments are enabled — 14-day withdrawal, auto-renewal, launch pricing]

7. Permitted use

You may not: use Rufi for unlawful purposes; attempt to access other users’ data; decompile, copy or resell the app; overload or interfere with the service; enter third parties’ data without the right to do so.

8. Intellectual property

The app, code, texts, graphics and the Rufi trademark are owned by us or licensed to us. We grant you a personal, non-exclusive, revocable licence to use the app. The data you enter remains yours; you can export it at any time.

9. Service availability

We do our best to keep Rufi available but do not guarantee uninterrupted or error-free operation. We may change, suspend or discontinue features with reasonable notice; if the service is discontinued, we will give you time to export your data.

10. Liability

Rufi is provided as is. To the extent permitted by law, we are not liable for damages arising from decisions taken on the basis of the app’s information, incorrectly entered data, regulatory changes, service unavailability or misuse. Nothing in these terms excludes or limits liability for wilful misconduct, gross negligence or where the law does not allow it. [VERIFY]

11. Changes to the terms

If we change these terms substantially, we will ask you to accept the new version in the app before continuing to use it. The current version is at rufiway.com/terms.

12. Governing law and jurisdiction

These terms are governed by Italian law. For disputes with consumers, the courts of the consumer’s place of residence or domicile have jurisdiction. You may also use the EU online dispute resolution platform (ec.europa.eu/consumers/odr). For any complaint write to rufi@rufiway.com.