Terms of Use

Veowe is a visual money tracking app. It helps you organise money projects, schedule payments, and watch progress through animations. You can use Veowe manually, or optionally connect a current account through a secure read-only open banking provider (such as TrueLayer) so Veowe can suggest matches for you to review.

You are responsible for the accuracy of the information you enter manually — balances, payment amounts, schedules and dates. Veowe shows you a picture based on what you tell it.

Veowe does not provide regulated financial advice, debt counselling, debt management plans, credit broking, insolvency advice or legal advice. It is an educational and organisational tool only.

Veowe does not move money, make payments to creditors, negotiate with lenders, or recommend financial products such as loans, credit cards or consolidation services.

Where available, Veowe's bank connection feature uses a secure open banking provider (such as TrueLayer) to access read-only account and transaction data with your explicit consent. Connected bank data is provided for tracking and visualisation only. Veowe may suggest possible matches between transactions and your projects, but these suggestions may be wrong, delayed or incomplete.

You are responsible for checking your bank, lender or savings account statements. Veowe does not provide financial advice and does not initiate payments or move funds in the read-only bank connection version. Bank connection features, where available, are read-only and used to help suggest matches — Veowe does not move money, make payments, or guarantee transaction matching accuracy.

If you use Veowe without an account, your data is stored only in your browser's local storage. It may be lost if browser storage is cleared, you use private browsing, change device, or your browser removes site data. Veowe is not responsible for loss of locally stored data.

Cloud saving requires optional Google sign-in. Sync between devices depends on internet access and the availability of our backend services, which we do not guarantee will be uninterrupted.

We can't guarantee any specific financial outcome. Whether your balances change depends on your own payments, your creditors and your circumstances.

Veowe is a paid app. The current price is 99p/year in the UK, with local equivalents such as $0.99/year or €0.99/year where supported. Billing is annual and you can cancel anytime.

Access is linked to the Google account you sign in with at checkout. Refunds and support questions can be raised through the contact form. Pricing and features may change over time.

Early supporter annual plan: Veowe may offer the first 100 paid users the 99p/year price. Existing early supporters keep their 99p/year price while their subscription remains active. After the first 100 users, pricing may increase for new users. This does not imply refunds, cash value, regulated financial advice, or guaranteed financial outcomes.

Please use Veowe for its intended purpose. Don't try to break, abuse or resell the service, and don't use it to harass other people.

Veowe is provided "as is". To the extent allowed by law, we aren't liable for losses arising from financial decisions you make based on what you see in the app, or from loss of locally stored data. If you need advice about your debts, please contact a free debt advice organisation.

We may add, change or remove features over time. If we make a significant change to these terms or to billing, we'll let you know in the app or by email where possible.

Questions about these terms? Email admin@veowe.com.