Effective date: September 22, 2026
Service operator: Phạm Hải Sơn
Contact address: 528 Huynh Tan Phat Street, Tan Thuan Ward, Ho Chi Minh City, Vietnam
Support email: support@psonco.com
1. Introduction and Scope
GoldBuff is an application that helps you record, categorize, and review personal income and expenses through manual entry or features supported by artificial intelligence (“AI”).
These Terms govern your use of GoldBuff and related services provided by the operator identified above. Please read these Terms and the Privacy Policy before creating an account.
Accepting these Terms does not replace separate consent for data processing activities that require your permission, such as sending content to an AI provider or tracking for advertising purposes.
2. Your Account and Responsibilities
You are responsible for providing accurate account information, protecting your login credentials, and notifying us if you suspect unauthorized access to your account.
You may only enter, upload, or process information that you have the right to use. Do not include bank passwords, one-time passwords (OTPs), card security codes, or financial service login credentials in your records.
You must meet the age and legal capacity requirements under applicable law. GoldBuff requires users to be 18 years of age or older.
3. Scope of Services
GoldBuff provides tools for recording and summarizing information you supply. GoldBuff does not transfer or hold funds, provide loans, or connect to banks or digital wallets to automatically retrieve transactions.
Bank or wallet names you add in the application are used solely for personal categorization and tracking.
Information and reports provided by GoldBuff are not a substitute for professional financial, investment, tax, or accounting advice.
4. AI Features and Voice Recording
When you consent to and use AI features, the necessary text or audio recordings are processed through GoldBuff’s systems and the AI provider identified in the Privacy Policy.
AI may incorrectly identify amounts, dates, descriptions, or categories. You must review and confirm the results before saving. You can edit the results or enter transactions manually.
Denying microphone permission or declining AI processing does not prevent you from using manual features within your current plan.
5. Service Plans and Usage Limits
| Benefit | Free | Plus |
|---|---|---|
| New records | Unlimited | Unlimited |
| AI requests | 30 per month | 120 per month |
| Maximum duration per recording | 15 seconds | 30 seconds |
A record is a newly created transaction that has been successfully saved. One AI request may generate multiple records. Editing a record does not consume an additional new-record allowance; deleting a record does not restore any allowance.
The AI request allowance is shared between voice processing and text-based suggestions. One request is counted when the system returns a valid result for preview, even if you choose not to save it. System errors or automatic retries do not incur additional usage.
The Free monthly allowance resets at 00:00 on the first day of each month in the account’s time zone. The Plus allowance resets according to the plan’s monthly cycle. The specific reset date is displayed in the application.
Usage limits are shared across devices using the same account. Unused allowances do not roll over to the next period.
When an allowance is exhausted, you can still access previously saved data. Your ability to create new records or use AI depends on the remaining allowance.
6. Payments and Renewals
Prices, currencies, billing periods, benefits, and applicable offers are displayed before you confirm a purchase. The price confirmed on the store’s payment screen applies to the transaction.
Subscriptions renew automatically unless you cancel renewal in accordance with the terms of the store where you purchased them. If a trial or promotional offer is available, its duration and the subsequent charges will be disclosed before you subscribe.
You can manage or cancel subscriptions through the relevant App Store or Google Play account. Canceling renewal generally allows you to retain benefits until the end of the paid period, except in cases involving refunds, transaction revocations, or other applicable rules.
Refund requests are handled according to the store’s procedures and mandatory consumer rights under applicable law. These Terms do not exclude those rights.
Deleting the application or your GoldBuff account does not automatically cancel a store subscription. Please review your subscriptions before deleting your account.
7. Acceptable Use
You must not use GoldBuff to access another person’s data without authorization, distribute malicious software, disrupt the service, falsify purchases, or fraudulently bypass usage limits.
We may implement abuse prevention measures and request rate limits to protect our systems. These measures will not be used to conceal commercial usage limits that differ from the published benefits.
If we need to restrict or suspend an account, we will provide the reason and contact information where possible, unless doing so would compromise security or be restricted by law.
8. Data and Ownership
You retain your rights to the content you provide. You authorize GoldBuff to process that content to the extent necessary to provide the service in accordance with the Privacy Policy.
The GoldBuff application, trademarks, designs, and software belong to the operator or its licensors. You may use the application for lawful purposes under these Terms.
9. Discontinuing Use and Account Deletion
You may stop using the service and request account deletion by following the instructions in the Privacy Policy.
When a paid plan expires, your saved data will not be deleted solely because you do not renew. Your ability to create new records and use features will depend on the plan that remains active.
Data deletion timeframes, backup handling, and retention exceptions are described in the Privacy Policy.
10. Service Availability and Liability
We take reasonable measures to maintain the stability and security of GoldBuff. However, the service may be interrupted by maintenance, network connectivity issues, or provider failures.
Summaries depend on the completeness and accuracy of the saved data. GoldBuff does not guarantee any particular financial outcome from using the application.
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law.
11. Changes and Contact
We will provide appropriate notice of significant changes before they take effect. Changes to subscription prices or benefits are handled in accordance with store rules and applicable law.
Disputes should first be submitted to support@psonco.com for resolution. If a dispute cannot be resolved, the parties may pursue appropriate dispute resolution procedures under applicable law, including mandatory consumer protection rights.