Terms of Use

Last update: 2.6.2021


Thank you for your interest in our apps and websites. Please read this Terms of Service agreement before accessing or using our apps and websites, because it is important you understand what are the conditions, requirements and limitations when using our products and services.


The operator of the Apps and Websites is Fiduciary s.r.o., Rybná 716/24, Staré Město 110 00 Praha 1, Czech Republic.


We use basic terms throughout the agreement, and they have specific meanings. You should know what we mean when we use each of the terms.

The “Agreement” refers, collectively, to all the terms, conditions, notices contained or referenced in this document (the “Terms of Service”, the “Terms of Use”, the “Terms and Conditions” or the “Terms”) and all other operating rules, policies (including the Privacy Policy) and procedures that we may publish from time to time on the Website.

“Fiduciary Labs,” “Fiduciary,” “We,” “Our”, and “Us” refer to Fiduciary s.r.o., Rybná 716/24, Staré Město, 110 00 Praha 1, Czech Republic, as well as our directors, subsidiaries, contractors, licensors, officers, agents, and employees.

The “Service” or “Services” refer to the applications, websites, software, products, and services provided by Fiduciary.

The “App” or “Apps” refer to the mobile or desktop applications operated by Fiduciary.

The “Website” refers to any website operated by Fiduciary (e.g. fiduciarylabs.com, networthtracker.online, sumio.app) and all content, services, and products provided by Fiduciary at or through the Website. It also refers to Fiduciary-owned subdomains of the Website. Occasionally, websites owned by Fiduciary may provide different or additional terms of service and privacy policy. If those additional terms and policies conflict with this Agreement, the more specific terms apply to the relevant page or service.

“The User,” “You,” and “Your” refer to the individual person, company, or organization that has visited or is using the Website, App or Service. A User must be at least 18 years of age.

“Content” refers to content featured or displayed through the Website or Apps, including without limitation text, chats, data, articles, images, photographs, graphics, software, applications, designs, features, and other materials that are available on the Website or otherwise available through the Service. “Content” also includes Services.

“User-Generated Content” is Content, written or otherwise, created or uploaded by our Users.

“Your Content” is Content that you create or own.


Fiduciary is a private limited liability company based in Prague, Czech Republic, European Union. We are independent developers, we are not affiliated with any bank, financial institution or tech company.


We are not brokers or agents, we do not sell any financial product or financial service. We are not financial advisors and our Service is not meant to be in any way taken as investment advice. We provide our Service as a tool to help Users to understand their finance. We are not responsible for any actions or decisions You might take in connection with using our Website or Apps.


While using the Service, you must follow this Acceptable Use Policy. Compliance with Laws and Regulations Your use of the Website and the Service must not violate any applicable laws, including copyright or trademark laws, export control laws, or other laws in Your jurisdiction. You are responsible for making sure that Your use of the Service is in compliance with laws and any applicable regulations.

Content Restrictions

You agree that You will not under any circumstances upload, post, host, or transmit any content that is unlawful or promotes unlawful activities; is or contains sexually obscene content; is libelous, defamatory, or fraudulent; is discriminatory or abusive toward any individual or group; contains or installs any active malware or exploits, or uses our platform for exploit delivery (such as part of a command and control system); or infringes on any proprietary right of any party, including patent, trademark, trade secret, copyright, right of publicity, or other rights.

Conduct Restrictions

While using Website and Service, You agree that You will not under any circumstances harass, abuse, threaten, or incite violence towards any individual or group, including Fiduciary employees, officers, and agents, or other Fiduciary Users; use our servers for any form of excessive automated bulk activity (for example, spamming), or relay any other form of unsolicited advertising or solicitation through our servers, such as get-rich-quick schemes; attempt to disrupt or tamper with Fiduciary’s servers in ways that could harm our Website or Service, to place undue burden on Fiduciary’s servers through automated means, or to access Fiduciary’s Service in ways that exceed your authorization; impersonate any person or entity, including any of our employees or representatives, including through false association with Fiduciary, or by fraudulently misrepresenting your identity or site’s purpose; or violate the privacy of any third party, such as by posting another person’s personal information without consent.

Services Usage Limits

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service without Fiduciary’s express written permission.


Scraping refers to extracting data from our Website via an automated process, such as a bot or webcrawler. You may not scrape our Website. Excessive Use If we determine your usage to be significantly excessive, we reserve the right to suspend or terminate Your access to our Website and Service.

User Protection

You agree not to engage in activity that significantly harms our Users. We will resolve disputes in favor of protecting our Users as a whole.

If You believe that content on our website violates your copyright, please contact us. If You are a copyright owner and you believe that content on Fiduciary violates Your rights, please contact us as well. There may be legal consequences for sending a false or frivolous takedown notice. Before sending a takedown request, You must consider legal uses such as fair use and licensed uses. We will terminate access to the Service to repeat infringers of this policy.


We own the Service and all of our content. In order for You to use our content, we give You certain rights to it, but You may only use our content in the way we have allowed.

Our Rights to Content

Fiduciary and our licensors, vendors, agents, and/or our content providers retain ownership of all intellectual property rights of any kind related to the Website and the Service. We reserve all rights that are not expressly granted to You under this Agreement or by law.

We may provide paid services as part of our Service. If You decide to use them, You are responsible for any fees associated with Your use of Fiduciary’s paid services. We are responsible for communicating those fees to you clearly and accurately.

Responsibility for Payment

You are responsible for all fees, including taxes, associated with your use of our paid services. By using our paid services, you agree to pay Fiduciary any charge incurred in connection with your use of the paid services. You are responsible for providing us with a valid means of payment for paid Service.

Using third-party services

We may use third-party services for managing some parts of our Service, distribution of our Apps, processing and collecting payments. For now, we use Apple App Store and Google Play Store for distribution of our Apps and RevenueCat for managing premium subscriptions.

Premium Subscriptions

Our business model is based on paid premium subscriptions, therefore part of our Service is only available to Users who pay premium subscription fees.

Subscription Period

You can choose the subscription period within Apps.

Subscription Cancelation

You may cancel your subscription any time. Since we are using Apple App Store and Google Play Store for distribution of our Apps, you can cancel your subscription within your account in Apple App Store or Google Play Store. You can find out more information regarding Apple cancelation policy here https://support.apple.com/cs-cz/HT202039 and Google cancelation policy here https://support.google.com/googleplay/answer/2479637


In general, subscription fees are non-refundable, however, if you feel that we should refund You, get in touch with us. We don’t want unhappy customers.

Free Trials

We may offer a free trial period for our premium subscriptions, but we reserve the right to cancel or limit these free trials any time.

Promotions and Discounts

We may offer promotions, discounts and other ways to promote our Service and premium subscriptions, but again, we reserve the right to cancel or limit these any time.


Fiduciary has the right to suspend or terminate Your access to all or any part of the Website or the Service at any time, with or without cause, with or without notice, effective immediately. Fiduciary reserves the right to refuse service to anyone for any reason at any time.


All provisions of this Agreement which by their nature should survive termination will survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.


We use email, chatbots, messaging and other electronic means to stay in touch with our users.

Electronic Communication Required

For contractual purposes, You (1) consent to receive communications from us in an electronic form via the email address you have submitted or via the Service; and (2) agree that all terms, agreements, notices, disclosures, and other communications that we provide to You electronically satisfy any legal requirement that those communications would satisfy if they were on paper. This section does not affect your non-waivable rights.

Communications made through email or Service will not constitute legal notice to Fiduciary or any of its officers, employees, agents or representatives in any situation where notice to Fiduciary is required by contract or any law or regulation. Legal notice to Fiduciary must be in writing and served on Fiduciary’s legal agent.

No Phone Support

Fiduciary only offers support via email, in-Service communications, and electronic messages. We do not offer telephone support.


We provide our service as is, and we make no promises or guarantees about this service. We try to make our products and services up to date, secure and accurate, but we can make no warranties about this. When you use our Service, you do so at your own risk. We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Website and the Service (or any part of it) with or without notice.

Fiduciary provides the Website and the Service “as is” and “as available,” without warranty of any kind. Without limiting this, we expressly disclaim all warranties, whether express, implied or statutory, regarding the Website and the Service including without limitation any warranty of merchantability, fitness for a particular purpose, title, security, accuracy and non-infringement.

Fiduciary does not warrant that the Service will meet your requirements; that the Service will be uninterrupted, timely, secure, or error-free; that the information provided through the Service is accurate, reliable or correct; that any defects or errors will be corrected; that the Service will be available at any particular time or location; or that the Service is free of viruses or other harmful components. You assume full responsibility and risk of loss resulting from your downloading and/or use of Websites, Apps, files, information, content or other material obtained from the Service.


We will not be liable for damages or losses arising from your use or inability to use the Service or otherwise arising under this agreement. Please read this section carefully; it limits our obligations to You.

You understand and agree that we will not be liable to You or any third party for any loss of profits, use, goodwill, or data, or for any incidental, indirect, special, consequential or exemplary damages; Your use or inability to use the Service; any modification, price change, suspension or discontinuance of the Service; the Service generally or the software or systems that make the Service available; unauthorized access to or alterations of your transmissions or data; statements or conduct of any third party on the Service; any other user interactions that you input or receive through Your use of the Service; or any other matter relating to the Service.

Our liability is limited whether or not we have been informed of the possibility of such damages, and even if a remedy set forth in this Agreement is found to have failed of its essential purpose. We will have no liability for any failure or delay due to matters beyond our reasonable control.


You are responsible for Your use of the Service. If You harm someone else or get into a dispute with someone else, we will not be involved.

If you have a dispute with one or more Users, you agree to release Fiduciary from any and all claims, demands and damages (actual and consequential) of every kind and nature, known and unknown, arising out of or in any way connected with such disputes.

You agree to indemnify us, defend us, and hold us harmless from and against any and all claims, liabilities, and expenses, including attorneys’ fees, arising out of Your use of the Website and the Service, including but not limited to your violation of this Agreement, provided that Fiduciary (1) promptly gives You written notice of the claim, demand, suit or proceeding; (2) gives you sole control of the defense and settlement of the claim, demand, suit or proceeding (provided that you may not settle any claim, demand, suit or proceeding unless the settlement unconditionally releases Fiduciary of all liability); and (3) provides to You all reasonable assistance, at Your expense.


We reserve the right, at our sole discretion, to amend these Terms at any time and will update these Terms of Service in the event of any such amendments.


Governing Law Except to the extent applicable law provides otherwise, this Agreement between you and Fiduciary and any access to or use of the Website or the Service are governed by the laws of the Czech Republic and the laws of the EU, without regard to conflict of law provisions. You and Fiduciary agree to submit to the exclusive jurisdiction and venue of the courts located in the City and County of Prague, Czech Republic.


Fiduciary may assign or delegate these Terms of Service and/or the Fiduciary Privacy Policy, in whole or in part, to any person or entity at any time with or without your consent, including the license grant. You may not assign or delegate any rights or obligations under the Terms of Service or Privacy Policy without our prior written consent, and any unauthorized assignment and delegation by you is void. Section Headings and Summaries Throughout this Agreement, some sections include titles and brief summaries of the following terms and conditions. These section titles and brief summaries are not legally binding.

Severability, No Waiver, and Survival

If any part of this Agreement is held invalid or unenforceable, that portion of the Agreement will be construed to reflect the parties’ original intent. The remaining portions will remain in full force and effect. Any failure on the part of Fiduciary to enforce any provision of this Agreement will not be considered a waiver of our right to enforce such provision. Our rights under this Agreement will survive any termination of this Agreement.


This Agreement may only be modified by a written amendment signed by an authorized representative of Fiduciary, or by the posting by Fiduciary of a revised version. Complete Agreement These Terms of Service, together with the Privacy Policy, represent the complete and exclusive statement of the agreement between You and Us. This Agreement supersedes any proposal or prior agreement oral or written, and any other communications between You and Fiduciary relating to the subject matter of these terms including any confidentiality or nondisclosure agreements.

Changes to These Terms

We may change these Terms of Service as well as Privacy Policy from time to time. The new version of these Terms will be available on this Website.

Feedback and Questions

We welcome feedback. Also, if you have any questions about the Terms of Service, contact us at support@fiduciaryapps.com.