Please read these Terms and Conditions carefully before using LYDRA Finance. By accessing or using our platform, mobile applications, or any related services, you agree to be bound by these terms in their entirety. If you do not agree, you must not use our services.
For the purposes of these Terms and Conditions, the following definitions apply throughout this document:
By creating an Account, clicking "I Agree," accessing, or using the Service in any way, you confirm that:
If you are using the Service on behalf of an organization or business entity, you represent that you have the authority to bind that entity to these Terms, and "you" refers to that entity collectively with all its authorized users.
You must be at least 18 years of age to use LYDRA Finance. By using the Service, you represent and warrant that you meet this age requirement. We do not knowingly collect personal information from individuals under 18. If we become aware that a user is under 18, we will terminate their account immediately.
You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete. LYDRA Inc. reserves the right to suspend or terminate accounts that contain false, inaccurate, or misleading information.
You are solely responsible for maintaining the confidentiality of your login credentials and for all activities that occur under your Account. You agree to notify us immediately at [email protected] of any unauthorized use or suspected breach of your Account. LYDRA Inc. is not liable for any loss or damage arising from your failure to maintain the security of your credentials.
Each individual user may maintain only one active Account. Creating multiple accounts to circumvent plan limitations or any other restriction is prohibited and may result in termination of all associated accounts.
LYDRA Finance is an AI-powered personal and business financial management platform operated by LYDRA Inc. and incorporated in Canada. The Service is available via:
All three platforms provide the same core feature set. Key features of the Service include, but are not limited to:
Users on the Free Plan may access the dashboard, view existing transactions, and browse insights in read-only mode. The Free Plan does not include access to AI Features, any input method for logging transactions, export functionality, or any other Pro Plan features. The Free Plan is available indefinitely at no cost.
We endeavor to maintain high availability of the Service but do not guarantee uninterrupted, error-free operation. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our reasonable control. LYDRA Inc. will not be liable for any loss arising from Service unavailability.
This End User License Agreement ("EULA") governs your use of the LYDRA Finance software, including the web application and mobile applications for iOS and Android.
Subject to your compliance with these Terms and any applicable payment obligations, LYDRA Inc. grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service solely for your personal or internal business financial management purposes.
You may not, and may not permit any third party to:
When you download and use our iOS or Android application, additional terms from Apple Inc. or Google LLC respectively may apply. Your use of the mobile applications is also subject to the usage rules set forth in the applicable app store's Terms of Service. In the event of any conflict between these Terms and the app store terms, these Terms shall govern to the maximum extent permitted by law.
LYDRA Inc. may release updates, patches, or new versions of the Service at any time. Such updates may be required for continued use of the Service. We are not obligated to provide any specific update or to maintain backward compatibility.
The license granted under this EULA does not constitute a transfer of ownership. All rights, title, and interest in and to the Service, including all intellectual property rights, remain exclusively with LYDRA Inc.
LYDRA Finance uses Google Gemini, a large language model developed by Google LLC, to power its AI features. By using AI Features, you acknowledge that your input data (receipts, voice recordings, PDFs, and chat messages) is processed through Google's systems in accordance with Google's applicable terms and privacy practices. LYDRA Inc. does not retain raw AI processing logs beyond what is necessary to deliver the Service.
Before any transaction is written to your database, the AI extracts information from your submitted data and presents it to you for review. This confirmation step includes the merchant name, total amount, date, category, and any additional extracted fields. You may edit any field in real time before confirming. The AI will confirm the final details with you before logging the transaction. No data is written to your account without your explicit confirmation.
AI systems, including Google Gemini, may produce inaccurate, incomplete, or incorrect outputs. LYDRA Finance does not guarantee the accuracy of any AI-extracted data, AI-generated category assignments, or AI Financial Assistant responses. The AI Assistant does not constitute professional financial, tax, legal, or accounting advice.
You should always review AI outputs before confirming them and should not make financial decisions solely based on AI-generated insights without independent verification. LYDRA Inc. is not liable for any financial loss or decision made in reliance on AI-generated content.
AI Features are available exclusively on the Pro Plan. Users on the Free Plan may view previously logged transactions and AI-generated insights but cannot use AI input methods or AI categorization for new entries.
LYDRA Finance offers the following plan tiers:
The 15-day free trial provides full Pro Plan access. At the end of the trial period, your account automatically transitions to the Free Plan unless you purchase a Pro Plan subscription. No charge is applied automatically at the end of the trial.
LYDRA Inc. reserves the right to change subscription prices at any time. If we increase the price of your current plan, we will notify you at least 30 days in advance via the email address associated with your Account before the new price takes effect. Your continued use of the Service after the price change effective date constitutes your acceptance of the new pricing. If you do not agree to the new pricing, you may cancel your subscription before the effective date.
All payments are processed by third-party providers depending on your platform:
LYDRA Inc. does not store or have access to your full payment card details or financial credentials; all such information is handled exclusively by the applicable payment processor.
Subscriptions are billed in advance at the start of each Subscription Period (monthly or annual). By subscribing, you authorize the applicable payment processor to charge the fee to your payment method on a recurring basis until cancelled.
LYDRA Inc. does not directly process or issue refunds. Any request for a refund must be submitted through the respective payment processor's official support channels:
Dissatisfaction with the Service or failure to use the Service during a billing cycle does not guarantee a refund. Access to Pro features continues until the end of your current paid period regardless of when you cancel.
You may cancel your subscription at any time through your account settings on the platform where you originally subscribed. Upon cancellation, your Pro Plan access remains active until the end of the current Subscription Period.
Display and calculation of taxes depend on your geographic location:
The total price shown on the final confirmation screen prior to authorization represents the complete amount you will be charged.
You agree to use the Service only for lawful purposes and in a manner consistent with these Terms. You must not:
Violation of this section may result in immediate suspension or termination of your Account, without notice and without refund, and may be reported to appropriate law enforcement authorities.
You retain full ownership of all financial data, receipts, documents, and other content you submit to the Service. By submitting content, you grant LYDRA Inc. a limited, non-exclusive license to process, store, and display your content solely for the purpose of providing the Service to you. We do not claim any ownership over your data.
We do not sell your data to third parties. We do not share your personal or financial data with advertisers. We do not use your financial data to train AI models. Your data is processed solely to deliver the features and functionality of the Service as described in these Terms and our Privacy Policy.
When you delete your Account, whether through the kill switch or through account settings, all of your data including transactions, receipts, categories, budgets, settings, and preferences is permanently and irrevocably deleted from our systems. This includes receipt files stored in Cloudflare R2 — upon account deletion, all associated files are permanently removed from Cloudflare's object storage. This deletion is immediate and cannot be undone. There are no backups retained after deletion. LYDRA Inc. cannot recover deleted account data under any circumstances.
You are responsible for the accuracy of the data you submit and confirm through the Service. LYDRA Inc. is not liable for decisions made based on inaccurate data that you submitted or confirmed.
LYDRA Inc. implements and maintains reasonable technical and organizational security measures to protect your data. These include:
While we take security seriously, no method of electronic transmission or storage is 100% secure. We cannot guarantee absolute security of your data. In the event of a data breach that affects your data, we will notify you as required by applicable Canadian law.
For full details on our data practices, please refer to our Privacy Policy.
The Service integrates with or relies on the following third-party services:
LYDRA Inc. is not responsible for the practices, content, or performance of any third-party service. We do not use Google Analytics or any other third-party analytics provider. We use Plausible Analytics, a self-hosted, open-source, cookieless analytics tool running on our own servers. No analytics data is shared with any external entity, and no personal data is collected.
All intellectual property rights in and to the Service, including but not limited to the software, code, design, interface, graphics, logos, text, and all other content created by LYDRA Inc., are owned exclusively by LYDRA Inc. or its licensors. These rights are protected under Canadian intellectual property law and applicable international conventions.
Nothing in these Terms transfers any intellectual property rights to you. The license granted under Section 5 (EULA) is the only right you receive with respect to the Service.
You may not use the LYDRA Finance name, logo, or any other brand assets without our prior written consent.
"LYDRA Finance" and the LYDRA Finance logo are registered trademarks of LYDRA Inc. in Canada and other jurisdictions. Unauthorized use of these marks is strictly prohibited and may result in legal action. All rights reserved.
To the fullest extent permitted by applicable law, LYDRA Inc. expressly disclaims all warranties, including but not limited to:
The AI Financial Assistant feature does not constitute professional financial, investment, tax, accounting, or legal advice. Always consult a qualified professional before making financial decisions.
To the fullest extent permitted by applicable Canadian law, in no event shall LYDRA Inc., its directors, officers, employees, contractors, or agents be liable for:
Where liability cannot be fully excluded under applicable law, our total aggregate liability to you for any claim arising out of or relating to these Terms or the Service shall not exceed the greater of (a) the total amount paid by you to LYDRA Inc. in the 12 months immediately preceding the event giving rise to the claim, or (b) CAD $50.00.
You agree to indemnify, defend, and hold harmless LYDRA Inc. and its directors, officers, employees, contractors, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:
You may terminate your Account at any time by deleting your account through the account settings or by using the kill switch. Deletion is immediate and permanent. No refund will be issued for any unused portion of a paid Subscription Period.
LYDRA Inc. reserves the right to suspend or permanently terminate your Account, with or without notice, if:
Upon termination for cause, your access to the Service will be revoked immediately. No refund will be provided. Data deletion will follow the same zero-retention process described in Section 10.
Sections 10 (Your Data), 13 (Intellectual Property), 14 (Disclaimer of Warranties), 15 (Limitation of Liability), 16 (Indemnification), and 19 (Governing Law) survive termination of these Terms.
LYDRA Inc. reserves the right to modify these Terms at any time. We will notify you of material changes by:
Your continued use of the Service after the effective date of any updated Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and delete your Account.
For pricing changes, we will provide at least 30 days advance notice as described in Section 7.
These Terms and Conditions are governed by and construed in accordance with the laws of Canada and the province of incorporation of LYDRA Inc., without regard to conflict of law principles.
Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Canada. You irrevocably consent to the personal jurisdiction of such courts.
If you are using the Service from outside Canada, you are responsible for compliance with all applicable local laws. Nothing in these Terms limits LYDRA Inc.'s right to seek injunctive or other equitable relief in any court of competent jurisdiction.
"LYDRA Finance" and the LYDRA Finance logo are registered trademarks of LYDRA Inc. All rights reserved. Unauthorized use is strictly prohibited and may result in legal action under applicable trademark law.
If you have any questions, concerns, or requests regarding these Terms and Conditions, please contact us:
LYDRA Inc.
Email: [email protected]