Terms of use and licence
Last updated: 19 July 2026
These terms govern the use of the Saldio desktop application and the saldio.co website. By downloading, installing or using Saldio, you accept them. If you don't agree, don't use the application.
1.Who we are
Saldio is an independent software project. The way to reach the responsible team is the address soporte@saldio.co. Full identifying and tax details of the Owner will be provided during the purchase process and on the corresponding invoice when you buy a paid plan.
2.What Saldio is
Saldio is a local-first desktop personal finance application: all your data is stored encrypted on your own machine. The application requires no account, sends no financial data to any server, and works offline.
3.Licence of use
The Owner grants you a personal, non-exclusive, non-transferable and revocable licence to install and use Saldio on your devices, according to the plan you have acquired (Free, Plus or Pro).
- Free plan: free of charge and unlimited in time, with the features described as Free on the website.
- Plus and Pro plans: through a one-time payment that unlocks the corresponding features and includes one (1) year of updates. After that year, the application keeps working with the latest version available; new versions may require a licence update.
- Pro trial: the 14-day trial period lets you use the Pro features at no cost. When it ends, you keep the Free plan.
Your licence key is personal. Sharing, reselling or publishing it is not permitted.
4.What is not permitted
- Reverse-engineering, decompiling or disassembling the application, except to the extent the law expressly allows it.
- Redistributing, reselling, renting or sublicensing Saldio or its licence keys.
- Circumventing or tampering with the licensing or feature-activation mechanisms.
- Using the application for unlawful purposes.
5.Intellectual property
Saldio, its code, design, brand and content are the property of the Owner and are protected by intellectual property law. The licence of use transfers no ownership right over the application. Your financial data is and remains yours: the Owner does not access it.
6.Payments and refunds
Payments for the Plus and Pro plans are processed through [PAYMENT PROCESSOR, e.g. Lemon Squeezy / Paddle], which acts as the seller and handles invoicing. Prices are shown on the website and include applicable taxes where relevant.
As this is digital content delivered immediately, if you are a consumer in the EU you may have a 14-day right of withdrawal, unless you expressly waived it when starting the download. The specific refund policy is governed by the payment processor's terms and by [your refund policy]. For any request, write to soporte@saldio.co.
7.No warranties
Saldio is provided "as is" and "as available", without warranties of any kind, express or implied. Saldio is a financial organisation tool, not financial, accounting or tax advice. Projections, simulations and summaries are indicative; you are responsible for your decisions and for verifying your own numbers.
8.Limitation of liability
To the maximum extent permitted by law, the Owner will not be liable for indirect damages, data loss, lost profits or harm arising from the use of, or inability to use, the application. Keeping backups of your data is recommended. The Owner's total liability, if any, will not exceed the amount paid for the licence.
9.Termination
This licence terminates automatically if you breach these terms. In that case, you must stop using and uninstall the application.
10.Changes to these terms
The Owner may update these terms. The version in force will always be the one published on this page, together with its update date. Continued use of the application after a change implies acceptance.
11.Governing law and jurisdiction
These terms are governed by Spanish law. For any dispute, the parties submit to the courts and tribunals designated under that law.
12.Language
This English text is a translation provided for convenience. In the event of any discrepancy, the Spanish version prevails.