Terms of Service

These Terms of Service ("Terms") govern your use of the Veto iOS app, web app at app.get-veto.app, marketing website at get-veto.app, browser extension (Chrome, Safari), and MCP connector at mcp.get-veto.app for authorized third-party AI assistants (collectively, the "Service"), operated by Team Veto ("Veto," "we," "us," or "our"). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Acceptance of Terms

You must be at least 13 years old to use Veto. By using the Service you confirm that you meet this requirement and that you have the legal capacity to enter into a binding agreement. If you are between 13 and 18 years old, you confirm that you have obtained parental or guardian consent.

These Terms incorporate our Privacy Policy by reference. Please read both documents.

2. Description of Service

Veto is an intentional spending assistant designed to interrupt impulse purchases before they happen. You can use Veto on iOS, the web app, the browser extension (Chrome, Safari), and via MCP through AI assistants you authorize. One Veto account is shared across these surfaces; available features may differ by surface.

The core features are:

• The Gauntlet: A structured AI conversation that analyses a purchase consideration across three frameworks — Physics (what the item is), Psychology (why you want it), and Economics (whether you can afford it). A Gauntlet session ends with a Verdict: Approved, Denied, Conditional, Alternative, or Deferred.
• Visual Scouting: Submit a product URL, screenshot, or description to identify an item and populate its details automatically.
• Priority Timeline: A ranked wishlist to help you evaluate purchases in context of competing priorities.
• Outcome Retrospective: Follow-up prompts on past decisions to track whether purchases delivered their expected value.
• MCP / AI assistants: An official connector that lets authorized third-party assistants create Purchase Considerations and run Gauntlets in your account, subject to the scopes you grant.

The Service is provided "as is" and features may change, be paused, or be discontinued at any time.

3. Account Registration

You must create an account to use Veto. You agree to:

• Provide accurate, current, and complete information at registration.
• Keep your password confidential and not share access to your account.
• Notify us immediately at support@get-veto.app if you suspect unauthorised access to your account.
• Be responsible for all activity that occurs under your account, including activity initiated from any Veto surface and from AI assistant hosts you authorize via MCP.

You may delete your account at any time from Settings → Account → Delete Account in the iOS or web app. Deletion is permanent and removes all associated data, including MCP connections, as described in our Privacy Policy.

4. Plans and Usage Limits

Veto offers a free tier and a paid subscription, Veto Pro. The following rate limits apply to the free tier, per account, to ensure service availability:

• Advisor turns: 10 per hour, 20 per day, 100 per month. One turn equals one AI advisor response. A typical full Gauntlet uses 4–6 turns.
• Visual Scouting: 4 per hour, 10 per day, 30 per month.
• URL scraping: 20 per hour, 40 per day, 300 per month.

Veto Pro substantially raises the advisor and Visual Scouting limits and removes their monthly cap. URL scraping limits are unchanged.

Limits are applied per authenticated user account across all surfaces (not per device or assistant host) and reset on a rolling window from your first request in each period — not at calendar midnight or month-start. We reserve the right to adjust these limits. Significant reductions constitute material changes subject to the notice procedure in Section 13.

5. Veto Pro Subscription

Veto Pro is an auto-renewable subscription. Your Pro entitlement belongs to your Veto account and applies across supported surfaces. You may purchase Pro through Apple's in-app purchase system and/or a RevenueCat-hosted web purchase flow (for example, linked from the browser extension), depending on which channel is offered. Manage or cancel a subscription through the channel where you purchased it.

For Apple purchases, Pro is available as a monthly ($4.99/month) or annual ($39.99/year) plan. Prices may vary by territory and are shown at the point of purchase. Payment is charged to your Apple Account at confirmation of purchase. The subscription renews automatically unless cancelled at least 24 hours before the end of the current period, and your Apple Account is charged for renewal within 24 hours before the period ends. You can manage or cancel an Apple subscription at any time in Settings → Apple ID → Subscriptions on your device. No refund is provided for partial subscription periods except where required by law.

For web purchases processed via RevenueCat, pricing and renewal terms are shown at checkout. Payment card details are handled by the payment provider; Veto does not store your card details.

6. AI-Generated Content — Not Financial Advice

The Veto AI advisor generates responses based on the information you provide and a set of structured analysis frameworks. Veto is not a financial adviser, and nothing in the Service constitutes financial, investment, legal, tax, or professional advice of any kind.

• AI verdicts are intended to prompt reflection, not to direct your financial decisions.
• The advisor's analysis is based solely on the information you enter; it does not have access to your bank accounts, credit history, or real financial records.
• You remain solely responsible for any purchasing decisions you make.
• AI responses may occasionally be inaccurate, incomplete, or contextually inappropriate. Do not rely on them as the sole basis for significant financial decisions.

7. Your Content

You retain ownership of the content you submit to Veto from any surface — including item names, descriptions, photos, financial profile data, conversation messages, and MCP tool arguments ("Your Content"). By submitting Your Content, you grant Veto a limited, non-exclusive, worldwide, royalty-free licence to store, process, and transmit it solely for the purpose of providing the Service to you, including returning tool results to AI assistant hosts you have authorized.

We do not use Your Content to train AI models. We do not share Your Content with third parties except as described in our Privacy Policy (including MCP hosts you connect). You are responsible for ensuring Your Content does not infringe any third-party rights.

8. Prohibited Uses

You agree not to:

• Use the Service to generate, store, or transmit content that is unlawful, harmful, defamatory, obscene, or that infringes the intellectual property rights of others.
• Attempt to reverse-engineer, decompile, or extract source code from any part of the Service.
• Use automated tools (bots, scrapers, scripts) to access the Service or to generate advisor interactions at scale, except through Veto’s official MCP connector with a host you have authorized.
• Abuse OAuth, share MCP refresh tokens, or use unofficial automated access to bypass usage limits or security controls.
• Circumvent or attempt to circumvent usage rate limits.
• Use the Service in a way that could damage, disable, or impair our infrastructure or interfere with other users.
• Attempt to gain unauthorised access to any part of the Service, including other users' accounts or data.
• Resell, sublicense, or commercially exploit the Service without our written permission.

9. Intellectual Property

All rights, title, and interest in and to the Service — including the apps, websites, browser extension, MCP connector, design, trademarks, logos, and underlying software — are owned by or licensed to Veto. Nothing in these Terms grants you any right to use our intellectual property other than as necessary to use the Service as intended.

The Veto name, logo, and the "V" mark are trademarks of Team Veto. You may not use them without our prior written consent.

10. Termination and Account Deletion

You may stop using the Service and delete your account at any time from Settings in the iOS or web app. We may suspend or terminate your account if:

• You violate these Terms.
• We are required to do so by law or a court order.
• We reasonably believe your account poses a security risk or is being used fraudulently.
• We discontinue the Service.

On termination, your right to use the Service ceases immediately. We will delete your data in accordance with our Privacy Policy. Sections 6, 9, 11, 12, and 14 of these Terms survive termination.

11. Disclaimers and Limitation of Liability

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VETO'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO VETO IN THE 12 MONTHS PRECEDING THE CLAIM OR (B) £50. IN NO EVENT SHALL VETO BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

Nothing in these Terms limits liability that cannot be limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales. Any disputes arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales, except where applicable consumer protection laws in your country of residence provide otherwise.

If you are a consumer resident in the European Union, you may also be entitled to bring a claim before the courts of your country of residence, and EU mandatory consumer protection laws apply to the extent they provide greater protection than English law.

13. Changes to These Terms

We may update these Terms as the Service evolves. When we make material changes, we will update the "Last updated" date above. For significant changes, we will provide notice via the iOS app, web app, or by email to the address associated with your account at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance of the revised Terms. If you do not agree to revised Terms, you must stop using the Service and delete your account.

14. Contact

Questions about these Terms or the Service:

• Email: support@get-veto.app
• Contact form