This Disclaimer sets out important limitations and disclosures regarding LYDRA Finance and the services provided by LYDRA Inc. By using the Service, you acknowledge and accept all statements in this Disclaimer. Please read it carefully.
LYDRA Finance is a financial tracking and management tool. It is not a bank, financial institution, investment advisor, tax advisor, accounting firm, or regulated financial services provider. LYDRA Inc. is not licensed or regulated by any financial regulatory authority in Canada or any other jurisdiction.
Nothing within the Service, its features, outputs, AI-generated content, analytics, charts, reports, or communications from LYDRA Inc. constitutes professional financial, investment, tax, legal, or accounting advice. You should not rely on any output of the Service as a substitute for professional advice tailored to your specific situation.
The AI Financial Assistant feature within LYDRA Finance, powered by Google Gemini, provides general informational responses based on the financial data you have entered. These responses are generated by an AI model and do not reflect the judgment of a licensed financial planner, investment advisor, chartered accountant, tax specialist, or legal professional.
Specifically, the AI Financial Assistant:
LYDRA Finance uses Google Gemini to extract, categorize, and process financial data from user-submitted inputs including images, PDFs, voice recordings, and text. While we have designed the AI workflow to maximize accuracy, artificial intelligence systems are inherently imperfect and can produce errors.
Potential AI errors include but are not limited to:
LYDRA Finance is specifically designed to require your explicit confirmation before any AI-extracted data is written to your account database. The workflow operates as follows:
This confirmation step transfers responsibility for the accuracy of logged data to you. By confirming a transaction, you are asserting that the data is correct to the best of your knowledge. LYDRA Inc. is not responsible for inaccuracies in data that you have reviewed and confirmed, regardless of whether the original error originated from the AI.
If you notice an error after confirmation, you may edit or delete the transaction manually through the dashboard at any time.
LYDRA Finance is provided on an "as is" and "as available" basis without any warranty of any kind, express or implied. LYDRA Inc. makes no warranty that:
The Service is a tool to assist with financial organization. It is your responsibility to verify all financial information independently before using it for any official, legal, or professional purpose.
LYDRA Finance integrates with third-party services including Google Gemini (AI processing), Stripe (web payments), Google Play (Android payments), and Apple Pay (iOS payments). LYDRA Inc. does not control, endorse, or accept responsibility for:
Your interactions with these services, including any subscription management or refund requests, are governed by their respective terms. LYDRA Inc. is not a party to those agreements and accepts no liability arising from them.
LYDRA Inc. does not use Google Analytics or any third-party advertising or analytics service. Our analytics are entirely first-party.
While LYDRA Inc. makes reasonable efforts to ensure that information presented within the Service is accurate and up to date, we do not warrant the accuracy, completeness, or currency of any information within the Service, including but not limited to:
LYDRA Inc. reserves the right to correct any errors or omissions without prior notice and without liability for any reliance placed on such information before correction.
LYDRA Inc. does not guarantee continuous, uninterrupted, or error-free access to the Service. The Service may be temporarily unavailable due to:
LYDRA Inc. is not liable for any loss, damage, or inconvenience caused by unavailability of the Service. Where possible, we will communicate planned maintenance in advance.
LYDRA Inc. implements reasonable and industry-standard security measures to protect your data, including database isolation, bcrypt password hashing, Cloudflare R2 object storage for receipt files with signed URL access (files are never publicly accessible), secure session management, and a zero-retention deletion policy that covers both our database and all Cloudflare R2 stored files. A full description of our security practices is available on our homepage and in our Privacy Policy.
However, no security system is impenetrable. LYDRA Inc. does not warrant that:
You are responsible for maintaining the security of your own login credentials. LYDRA Inc. is not liable for any loss or damage arising from unauthorized access to your Account that results from your failure to maintain the confidentiality of your credentials.
In the event of a confirmed security breach affecting your personal data, LYDRA Inc. will notify you and applicable authorities as required by Canadian law.
LYDRA Finance supports 166+ currencies and provides exchange rate conversion for display purposes. Exchange rates used within the Service are updated periodically and are sourced from available market data. These rates:
LYDRA Inc. is not liable for any financial loss arising from reliance on exchange rate data displayed within the Service.
LYDRA Finance may display or categorize transactions in ways that relate to tax-deductible categories or business expenses. The Service also provides an Excel export for tax assistance. LYDRA Inc. expressly disclaims that:
The Service or our communications may contain links to third-party websites, documentation, or resources. LYDRA Inc. does not control these external sites and is not responsible for their content, accuracy, privacy practices, or availability. The inclusion of any external link does not constitute an endorsement by LYDRA Inc. of the linked site or its operators. You access external links at your own risk and subject to the terms and policies of those third-party sites.
LYDRA Finance is operated from Canada and is governed by Canadian law. Users who access the Service from outside Canada do so at their own initiative and are solely responsible for compliance with their local laws and regulations. LYDRA Inc. makes no representation that the Service is appropriate, legal, or available for use in every jurisdiction.
Certain features of the Service — particularly AI-powered features involving personal financial data — may be subject to different regulations in different countries. It is your responsibility to ensure that your use of the Service complies with all applicable laws in your jurisdiction, including but not limited to data protection, financial services, and consumer protection regulations.
LYDRA Inc. reserves the right to modify this Disclaimer at any time. Material changes will be communicated to you via email at least 14 days before they take effect, and a notice will be displayed within the Service. The Effective Date at the top of this page will be updated to reflect any changes.
Your continued use of the Service after the effective date of any updated Disclaimer constitutes your acceptance of the changes.
If you have any questions or concerns regarding this Disclaimer, please contact us:
LYDRA Inc.
Email: [email protected]