Terms
Last updated: April 13, 2026
These Terms of Service (“Terms”) govern your access to and use of the Vocca mobile application and related services (the “Service”) provided by Mera Innovations, Inc., a Delaware corporation (“Mera Innovations,” “we,” “us,” or “our”). By downloading, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
If you obtain Vocca through the Apple App Store or Google Play, your use is also subject to the applicable platform’s terms and conditions (for example, Apple’s or Google’s standard end user license terms). In the event of a conflict between those platform terms and these Terms regarding the Service, the platform terms may apply to the extent required by the platform provider.
Vocca is a personal finance tool that helps you track expenses, manage budgets, and work toward savings goals. Features may include expense tracking and categorization, budgets, goals, optional cloud synchronization, and other functionality we make available.
We may modify, suspend, or discontinue features with reasonable notice where practicable.
You must be at least the age of digital consent in your jurisdiction (typically at least 13, or older where required) to use the Service. You agree to provide accurate account information and to keep your credentials secure. You are responsible for activity under your account. Notify us promptly at support@thevoccapp.com if you suspect unauthorized access.
You agree not to:
The Service, including software, design, branding, and documentation, is owned by Mera Innovations or its licensors and is protected by intellectual property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service on devices you own or control.
You retain ownership of the financial and other content you enter. If you use optional cloud features, you grant Mera Innovations a limited license to host, process, and transmit that content solely to provide the Service.
Our Privacy Policy describes how we collect and use personal information. By using the Service, you acknowledge that policy.
Vocca may offer free and paid features. If we offer subscriptions or trials:
We may change pricing with advance notice where required by law or contract.
Not financial advice. Vocca is provided for informational and organizational purposes only. It does not constitute financial, investment, tax, or legal advice. Consult qualified professionals for advice tailored to your situation.
Service availability. We strive for reliability but do not guarantee that the Service will be uninterrupted or error-free. You are responsible for verifying the accuracy of data you enter and rely on.
Third parties. The Service may integrate with or link to third-party services. We are not responsible for third-party content, availability, or practices.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Mera Innovations, Inc. AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE.
TO THE EXTENT PERMITTED BY LAW, Mera Innovations, Inc.’s TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID Mera Innovations, Inc. FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).
Some jurisdictions do not allow certain limitations; in those jurisdictions, our liability is limited to the fullest extent permitted.
You agree to defend, indemnify, and hold harmless Mera Innovations, Inc. and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys’ fees) arising from your use of the Service, your content, or your violation of these Terms.
You may stop using the Service at any time. You may delete your account through in-app settings where available.
We may suspend or terminate access if you materially breach these Terms, if required by law, or to protect the Service or other users. Provisions that by their nature should survive (including intellectual property, disclaimers, limitation of liability, and governing law) will survive termination.
We may modify these Terms from time to time. We will post the updated Terms on this page and update the “Last updated” date. For material changes, we will provide additional notice as appropriate (for example, in-app notice or email). Continued use after the effective date of changes constitutes acceptance unless applicable law requires otherwise.
These Terms are governed by the laws of the United States and the State of Delaware, excluding conflict-of-law rules that would apply another jurisdiction’s laws, except where mandatory consumer protection laws in your country of residence require otherwise.
Arbitration (where permitted). Except where prohibited by applicable law or where you have a right to bring a claim in your local small claims court, any dispute arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association in accordance with its applicable rules, and judgment on the award may be entered in any court of competent jurisdiction. Class actions: You and Mera Innovations, Inc. agree to bring claims only in an individual capacity, not as a plaintiff or class member in any class or representative proceeding.
Injunctive relief. Either party may seek injunctive or equitable relief in a court of competent jurisdiction for intellectual property infringement, unauthorized access, or misuse of the Service.
These Terms constitute the entire agreement between you and Mera Innovations, Inc. regarding the Service and supersede prior agreements on this subject. If any provision is held invalid, the remainder remains in effect. Our failure to enforce a provision is not a waiver.