Terms of Service

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Welcome to Verdly. These Terms of Use (“Terms”) govern your use of the Verdly website at verdly.io and the Verdly application at app.verdly.io (together, the “Service”).

The Service is operated by Nyle Connolly, a sole trader based in London, United Kingdom, trading as “Verdly” (“we”, “us”, “our”). You can contact us at support@verdly.io.

By creating an account or using the Service, you agree to these Terms. If you don’t agree, please don’t use the Service.

Nothing in these Terms affects your statutory rights as a consumer under the laws of England & Wales.

1. Who can use Verdly

You must be at least 18 years old to use Verdly. By using the Service, you confirm that you are 18 or over and capable of entering into a binding agreement under the laws of England & Wales.

2. Your account

To use Verdly you need to create an account. You’re responsible for:

  • Keeping your login credentials secure and confidential
  • All activity that occurs under your account
  • Providing accurate information when you register
  • Notifying us promptly if you suspect unauthorised access

We use AWS Cognito to handle authentication. If you lose access to your account, contact us at support@verdly.io.

3. The Service

Verdly is a manual net worth tracking tool. You enter your own financial data, and we display it back to you in dashboards, snapshots, charts, and summaries. We don’t connect to your bank, broker, or any other financial provider — every figure in Verdly is one you’ve entered.

We may update, add to, or remove features at any time. We’ll give you reasonable notice of material changes where we can, but the Service is provided on an ongoing basis and will evolve over time.

4. Payments and subscriptions

Verdly is free to use. Some features (together, “Verdly Pro”) require a paid subscription.

Plans and pricing. Verdly Pro is offered as a monthly or an annual subscription, priced in pounds sterling (GBP). The current prices are shown on our pricing page at https://verdly.io/pricing/ and in the app before you confirm. We do not ask for payment details when you create an account — you provide them only if you choose to upgrade.

Payment processing and Merchant of Record. Payments are processed by Stripe, which acts as the Merchant of Record (the seller of record) for Verdly Pro. This means Stripe is responsible for taking payment, charging any applicable VAT or other taxes, issuing invoices, and handling refunds. Your subscription is managed on our behalf through RevenueCat. We never see or store your full card details.

Automatic renewal. Subscriptions renew automatically at the end of each billing period — monthly or annually — at the then-current price, until you cancel.

Cancelling. You can cancel at any time from within the app, which takes you to the secure billing portal. When you cancel, your Pro access continues until the end of the period you have already paid for, and is not renewed after that. We do not provide partial refunds for the unused part of a billing period, except where the law requires it.

Refunds and your statutory rights. Nothing in this section affects your statutory rights as a consumer under the laws of England & Wales, including any right to a refund where one applies. Refunds, where due, are handled by Stripe as Merchant of Record. If you think you are entitled to a refund, contact us at support@verdly.io and we will help.

Price changes. We may change our subscription prices. Any change will not affect the billing period you are already in; we will give you reasonable notice before a new price applies to a renewal, and you can cancel before it takes effect if you do not wish to continue.

Failed payments. If we cannot take a renewal payment, we may retry it and will let you know. If payment continues to fail, your Pro access may be paused or your account returned to the free tier until payment succeeds. We never delete your data because of a failed payment.

5. Verdly is not financial advice

This is important. Please read this section carefully.

Verdly is a personal record-keeping tool. We are not authorised or regulated by the Financial Conduct Authority (FCA), and we do not carry out any regulated activity under the Financial Services and Markets Act 2000.

Nothing in the Service is, or should be treated as:

  • Financial, investment, tax, or legal advice
  • A recommendation, invitation, or inducement to buy, sell, or hold any asset, security, or financial product
  • A regulated financial service
  • A substitute for advice from a qualified professional

The figures, projections, milestones, and any AI-generated insights shown in Verdly are based solely on the data you enter and on general calculation methods. They may be wrong, out of date, or unsuitable for your circumstances. Past performance is not a reliable indicator of future results, and the value of investments can fall as well as rise.

Before making any financial decision, you should speak to a regulated financial adviser. You are solely responsible for your financial decisions.

6. Acceptable use

When using Verdly, you agree not to:

  • Use the Service for any unlawful purpose or in breach of any applicable law or regulation
  • Attempt to gain unauthorised access to any part of the Service, other accounts, or our infrastructure
  • Probe, scan, or test the vulnerability of the Service without our prior written consent
  • Use automated means (bots, scrapers, crawlers) to access or extract data from the Service, except where we explicitly permit it
  • Interfere with or disrupt the Service, the servers it runs on, or other users’ use of it
  • Reverse engineer, decompile, or attempt to derive the source code of the Service, except to the extent permitted by law
  • Upload or transmit any malicious code, viruses, or harmful content
  • Use the Service to impersonate any person or misrepresent your identity
  • Resell, sublicense, or commercially exploit the Service without our written permission

We may suspend or terminate your account if we believe, on reasonable grounds, that you’ve breached this section.

7. Your data

You retain all rights in the data you enter into Verdly. We don’t sell your data, we don’t share it with advertisers, and we don’t use it to train AI models.

For the purposes of UK data protection law, we are the data controller in respect of personal data we hold about you. Our handling of personal data — including the lawful bases on which we rely, the subprocessors we use (such as AWS, DigitalOcean, Cloudflare, Stripe, and RevenueCat), international transfers, and your rights under UK GDPR — is described in our Privacy Policy at https://verdly.io/privacy/, which forms part of these Terms.

You have the right to access, rectify, port, and request erasure of your personal data. You also have the right to complain to the Information Commissioner’s Office (ICO) at ico.org.uk if you think we have mishandled your data.

You are responsible for the accuracy of the data you enter. We recommend exporting your data periodically as a backup.

8. Intellectual property

The Verdly name, logo, wordmark, website, application, design, illustrations, source code, and all related materials are owned by Nyle Connolly and are protected by copyright, trade mark, and other intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial use, in accordance with these Terms.

Nothing in these Terms transfers any intellectual property rights to you. You may not copy, modify, distribute, publicly display, or create derivative works of the Service or any part of it without our prior written consent.

Any feedback or suggestions you send us may be used by us without any obligation or compensation to you.

9. Suspending or closing your account

By you. You can close your account at any time from within the Service or by emailing us at support@verdly.io. On closure, your data will be deleted in accordance with our Privacy Policy.

By us. We may suspend or close your account if:

  • You materially breach these Terms
  • We’re required to do so by law or by a competent authority
  • We reasonably believe your account is being used to harm us, other users, or third parties
  • You haven’t used your account for a prolonged period (we’ll try to contact you first)
  • We discontinue the Service

Where reasonable and lawful, we’ll give you notice and a chance to respond before suspending or closing your account. On closure for any reason, we’ll give you a reasonable opportunity to export your data unless prevented by law.

10. Availability

We aim to keep Verdly available, but we don’t guarantee uninterrupted, error-free, or secure access. The Service may be unavailable from time to time for maintenance, updates, or reasons outside our control. We won’t be liable for any period of unavailability, save where the law requires otherwise.

11. Limitation of liability

Nothing in these Terms limits or excludes our liability for:

  • Death or personal injury caused by our negligence
  • Fraud or fraudulent misrepresentation
  • Breach of your statutory rights as a consumer that cannot be limited or excluded under the laws of England & Wales
  • Any other liability that cannot lawfully be limited or excluded

Subject to that:

  • The Service is provided “as is” and “as available”. To the fullest extent permitted by law, we exclude all implied warranties, conditions, and other terms.
  • We are not liable for any loss or damage that is not a reasonably foreseeable consequence of our breach of these Terms.
  • We are not liable for any financial loss, decision, or outcome arising from your use of the Service, or from any inaccuracy in data you’ve entered or in calculations the Service produces.
  • For business losses (loss of profit, business, opportunity, goodwill, or anticipated savings), we have no liability to you. The Service is intended for personal use only.
  • Our total liability to you for any claim arising out of or in connection with the Service or these Terms in any 12-month period is limited to the total amount you’ve paid us for the Service in that period. If you use the Service on a free tier, this means our liability is limited to the extent permitted by law.

12. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we’ll let you know — for example by email or by a notice in the Service — and give you reasonable notice before the changes take effect.

If you continue to use the Service after the changes take effect, you accept the updated Terms. If you don’t accept them, you can close your account.

13. Governing law and jurisdiction

These Terms and any dispute or claim arising out of them are governed by the laws of England & Wales. The courts of England & Wales have exclusive jurisdiction, except that if you live in another part of the UK you may also bring proceedings in your local courts.

14. General

If any part of these Terms is found to be unenforceable, the rest will remain in effect. Our failure to enforce a right doesn’t waive it. These Terms are the entire agreement between you and us regarding the Service. You may not transfer your rights under these Terms without our consent; we may transfer ours to a successor entity (for example, if Verdly is incorporated as a limited company in future), provided your rights under these Terms are not adversely affected.

15. Contact

Questions about these Terms? Email us at support@verdly.io.