Umqulu wezomthetho

Imigomo Nemibandela Yokusetshenziswa

Imithetho nezimo zokusetshenziswa kwe-Cashfulness. Isivumelwano esibophezelayo phakathi kwe-Provider ne-Msebenzisi.

Ibuyekezwe okokugcina: 6 Julayi 2026 — inguqulo 1.2

Le Migomo Nemibandela Yokusetshenziswa (kulokhu ebizwa ngokuthi “Imigomo” noma “T&C”) ilawula ukusetshenziswa kwenkonzo ye-Cashfulness, enikezwa yi-Vittorio Giusti srl kubasebenzisi bayo. Zakha isivumelwano esibophezelayo phakathi kwe-Provider ne-Msebenzisi.

Ngokusebenzisa inkonzo ye-Cashfulness (ukubhalisa, ukulanda i-application, ukufinyelela kuwebhusayithi), umsebenzisi uyavuma ukuthi ufundile, uqonda, futhi wamukele le Migomo. Uma umsebenzisi engavumelani nanoma yiliphi lamaphuzu alandelayo, kufanele azivimbele ukusetshenziswa kwenkonzo.

1. Amaqembu enkontileka

1.1. I-Provider

Igama lenkampani: Vittorio Giusti srl
Ihhovisi elibhalisiwe: Via del Campisano 520, 55054 Massarosa (LU), Italiya
I-VAT / Tax ID: 12122090967
I-imeyili eqinisekisiwe (PEC): vittoriogiusti.com@pec.it
I-imeyili yokuxhumana: info@cashfulness.com
Ummeleli osemthethweni: UVittorio Giusti, umnikazi kanye nomqondisi oyedwa
Ubunikazi be-trademark: Cashfulness — i-EUIPO trademark namba 019297195

1.2. Umsebenzisi

Umuntu obhalisela inkonzo ye-Cashfulness ngokunikeza i-imeyili nokukhetha i-nickname (igama elizenzelwe). Kufanele umsebenzisi abe neminyaka engu-18 ubudala noma ngaphezulu (bheka Inqubomgomo Yobumfihlo §10) futhi abe ne-legal capacity ngaphansi komthetho wase-Italiya.

2. Izincazelo

Inkonzo: i-application ye-Cashfulness (ye-iOS, Android, Windows, macOS) newebhusayithi cashfulness.com, ehlose ukulawula imali yomuntu siqu nge-double-entry accounting.
I-Akhawunti: isikhala somsebenzisi somuntu siqu, esifinyelelwa nge-imeyili nepasiwedi.
I-Workspace: (“isikhala se-accounting”) isikhala se-logic lapho umsebenzisi erekhoda khona ama-transaction akhe futhi ehlela khona i-chart of accounts yakhe.
Amadokhumenti e-E2EE: amafayela alayishwe umsebenzisi (izitatimende zebhange, izinkontileka, amabhili, njll.) angu-end-to-end encrypted ngokhiye otholakala kuma-credentials omuntu siqu omsebenzisi.
Isigaba se-beta: isikhathi sokuguquka okusebenzayo kwenkonzo ngaphambi kokukhishwa okuzinzile; bheka §13.

3. Injongo yenkontileka

I-Cashfulness i-application yemali yomuntu siqu esekelwe ku-double-entry accounting. Ivumela umsebenzisi ukuthi:

Adale isikhala esisodwa noma ngaphezulu se-accounting (“workspace”) ukuhlela i-accounting yomuntu siqu noma yomndeni.
Arekhode ama-transaction alinganisiwe (Debit/Kredit) ngendlela elula noma ephakeme.
Abuke i-Balance Sheet ne-Income Statement ezibuyekezwa ngesikhathi sangempela.
Alayishe futhi agcine amadokhumenti emali ngendlela e-encrypted (E2EE).
Alungiselele ama-budget wenyanga futhi athole izexwayiso.
Avumelanise idatha kuzo zonke izinsizakusebenza zomsebenzisi ofanayo.
Amemele amalungu omndeni noma abasebenzisana kuye ku-workspace (Ultra plan kuphela).

I-Cashfulness ayiyona inkonzo yezeluleko zemali, yentela, noma yezomthetho. Ayinikezi izincomo zokutshalwa kwemali ezihambisana nomuntu ngamunye, futhi ayithatheli indawo yobudlelwane nomeluleki wezimali onelayisensi, i-accountant, noma ummeli. Bheka §11.

4. I-akhawunti yomsebenzisi

4.1. Ukubhalisa

Ukubhalisa kudinga:

I-imeyili (kungaba ne-pseudonymous, ngokuvumelana nomgomo womqondo we-anonymous identity — bheka Inqubomgomo Yobumfihlo §3.1)
I-Nickname (igama elizenzelwe, kungaba ngokuphakama)
Ipasiwedi eqinile ekhethwe umsebenzisi

Ayikho ukuqinisekiswa kobunikazi, i-tax ID, noma idatha yangempela ye-demographic edingekayo. I-nickname ayihlonzi umuntu wangempela futhi ingashintshwa umsebenzisi.

Isimemezelo seminyaka kanye ne-legal capacity: ngokubhalisela Inkonzo, umsebenzisi umemezela ukuthi uneminyaka engu-18 ubudala noma ngaphezulu, noma iminyaka yokuba ngumuntu omdala ngokomthetho wezwe lakhe uma iphakeme ku-18, futhi une-legal capacity ngaphansi komthetho wase-Italiya. Isimemezelo seminyaka senzeka ngokufaka uphawu oluphoqelekile efomini lokubhalisa.

Uma kunee-akhawunti eyakhiwe ingane ngesimemezelo esingamanga seminyaka, ubudlelwane bobubhoconto obuphathelene nenkontileka buwela kubazali noma kulabo abasebenzisa umsebenzi wobuzali ngaphansi kwe-Article 2046 ne-2048 ye-Italian Civil Code, ngaphandle kokuphazamiseka kwelungelo le-Vittorio Giusti srl lokususa ngokushesha i-akhawunti uma kuqashelwa noma kutholwa isimo sengane.

4.2. I-akhawunti eyodwa

Ivumelekile i-akhawunti eyodwa kuphela ngomuntu. Ukudalwa kwama-akhawunti amaningi ukuze kucwaswe imikhawulo ye-Free plan (bheka §5.1) kwakha ukwephulwa kwale Migomo futhi kungaholela ekumisweni kwazo zonke ama-akhawunti axhunyaniswe.

4.3. Umthwalo we-credentials

Umsebenzisi unomthwalo owodwa wokugcina ipasiwedi yakhe namagama akhe angu-24 okubuyisela (i-BIP39 seed) ye-encryption yedokhumenti. Umsebenzisi kufanele:

Angahlanganyeli ama-credentials nabanye abantu
Agcine amagama angu-24 okubuyisela endaweni ephephile (isb. i-password manager, iphepha eligcinwa ngaphandle kwe-inthanethi)
Aziise ngokushesha ku-info@cashfulness.com noma yikuphi ukungena okusolisayo okungagunyaziwe

4.4. Ukubuyiselwa kokufinyelela

Uma umsebenzisi ekhohlwa ipasiwedi yakhe, angacela i-imeyili yokusetha kabusha ekhelini elixhunyaniswe ne-akhawunti. I-Cashfulness ayikwazi ngayo yonke indlela ukubuyisela amadokhumenti e-E2EE alayishwe umsebenzisi uma elahlekelwa yipasiwedi kanye namagama angu-24 okubuyisela: amadokhumenti azoba angeke asatholakala unomphela. Bheka §11.2.

4.5. Ukususwa kwe-akhawunti

Umsebenzisi angacela ukususwa kwe-akhawunti noma nini, ngqo kusuka ku-app (Settings → Delete account). Ukususwa okuqinisekile kwenzeka ngaphakathi kwezinsuku ezingu-30 zesicelo (i-soft-delete enganguphenduka izicelo ezingahlelekile; bheka Inqubomgomo Yobumfihlo §7).

5. Imodeli yezohwebo namasubscription

5.1. Amasu atholakalayo

Uhlelo	Intengo yenyanga	Intengo yonyaka	Imikhawulo emikhulu
Free	mahhala	mahhala	i-workspace eyodwa · umsebenzisi oyedwa · imikhawulo ehlanganisiwe engu-izinsuku ezingu-60 NOMA ama-transaction angu-200 (umkhawulo wokuqala ofinyelelwayo = i-paywall) · ama-budget angu-3 enyanga · i-storage yedokhumenti engu-50 MB · read-only ngemva komkhawulo
Premium	€5.99	€57.49 (isaphulelo esingu-20%)	i-workspace eyodwa · umsebenzisi oyedwa · ama-budget angu-5 enyanga · i-storage yedokhumenti engu-1 GB · ama-transaction angenamkhawulo · zonke izici ngaphandle kwezimemo zamalungu namabhaka azenzakalelayo
Ultra	€9.99	€95.99 (isaphulelo esingu-20%)	ama-workspace angu-5 · kuze kufike amalungu angu-4 amenyiwe ku-workspace ngayinye · ama-budget angenamkhawulo enyanga · i-storage yedokhumenti engu-10 GB · i-export ye-PDF ye-Balance Sheet/Income Statement · amabhaka azenzakalelayo angu-encrypted · ama-transaction angenamkhawulo

Amanani nemikhawulo kungashintsha ngesaziso esingenani izinsuku ezingu-30 kubasebenzisi abasebenzayo.

5.2. Ukukhokha

Amasubscription athengwa kuphela ngesinye salezi zinsizakusebenza:

Apple App Store (ye-subscription ethengwe ku-iOS)
Google Play (ye-subscription ethengwe ku-Android)
Stripe (ye-subscription ethengwe ngewebhusayithi)

Ye-subscription ethengwe ku-App Store noma ku-Google Play, i-Apple ne-Google zisebenza njenge-merchant of record: ziphatha inkokhelo, noma yikuphi ukukhishwa kwezitatimende noma amareseti asemthethweni, ukuvuselelwa okuzenzakalelayo, nanoma yiziphi izinhlawulo ngokwezinqubomgomo zabo ngamunye. Kule zinsizakusebenza ezimbili, i-Vittorio Giusti srl ayikhiphi ngqo izitatimende noma amareseti asemthethweni kubasebenzisi bokugcina.

Ye-subscription ethengwe nge-webhusayithi nge-Stripe, umthengisi yi-Vittorio Giusti srl, esebenzisa i-Stripe njenge-payment processor kuphela. Kulokhu, i-Vittorio Giusti srl iyiqembu eliqoqa inkokhelo futhi elinakekela izibopho zentela ne-accounting ezihambisanayo (ukukhishwa kwesitatimende noma ireseti/irekhodi lentela njengoba kudingeka). Ukucutshungulwa kwedatha yokukhokha kuchazwe ku-Inqubomgomo Yobumfihlo, §3.7.

5.3. Ukuvuselelwa okuzenzakalelayo

Wonke amasubscription avuselelwa ngokuzenzakalelayo ekupheleni kwesikhathi (nyanga zonke noma unyaka nawo wonke), ngaphandle uma ekhanselwe umsebenzisi ngaphambi kosuku lokuvuselelwa. Ukukhansela kwenzeka nge-zinqubo ze-purchase channel (App Store, Google Play, Stripe).

5.4. Ilungelo lokuhoxa (abathengi)

I-Cashfulness i-inkonzo edijithali enikezwa nge-subscription. Ngaphansi kwe-Article 52-57 ye-Italian Consumer Code (Legislative Decree 206/2005, njengoba ichitshiyelwe yi-Legislative Decree 21/2014 ne-Legislative Decree 170/2021), umsebenzisi omthengi unelungelo lokuhoxa enkontilekeni ngaphakathi kwezinsuku ezingu-14 zokwenziwa kwayo, ngaphandle kokudinga ukunikeza noma yiziphi izizathu futhi ngaphandle kwezindleko ngaphandle kwalezo ezibaliwe ngezansi.

Ilungelo lokuhoxa lisasebenza noma nini ngaphakathi kwezinsuku ezingu-14, ngisho noma umsebenzisi eseqale kusetshenziswa kwenkonzo. Ngoba lena yinkonzo (hhayi okuqukethwe okudijithali okunikezwa kanye), akusebenzi ukulahleka okuvezwe yi-Art. 59(1)(o) ye-Consumer Code: leso simiso siphathelene nokuqukethwe okudijithali okungenikezwa ku-tangible medium futhi kudinga imvume yomsebenzisi ecacile kusengaphambili kanye nokwazi ngokulahleka kwelungelo — imvume engamanje engaqoqwa ngesikhathi sokuthenga.

Uma umsebenzisi esebenzisa ukuhoxa ngemva kokucela ukuthi inkonzo iqale phakathi kwesikhathi sokucabanga, umsebenzisi unesikweletu se-pro-rata kuphela senkonzo esebenzisiwe ngempela kuze kube isaziso sokuhoxa, ngaphansi kwe-Art. 57(3) ye-Consumer Code. Noma yikuphi okwenganyelwe okwasekukhokhwe kuyabuyiselwa.

Indlela yokusebenzisa ukuhoxa: umsebenzisi angathumela isitatimende esicacile nesingananalutho lokuqagela (i-imeyili ku-info@cashfulness.com) noma asebenzise izinqubo zokukhansela/ukubuyiselwa kwe-purchase channel (App Store, Google Play, Stripe). Ukubuyiselwa kukhishwa yi-payment channel usebenzisa indlela efanayo eyasetshenziswa ekuthengeni, ngaphandle uma kunye kunye okuvunyelwene ngakho, ngaphakathi kwezikhathi ezibekiwe zomthetho.

5.5. Abahloli be-beta

Abasebenzisi ababandakanyeka esigabeni se-beta (bheka §13) banokuphathwa okuthile kwezohwebo: bheka §13.3.

6. Izinkokhelo — imininingwane ebalulekile

6.1. Ubunikazi obungabonwa yi-Cashfulness

Ye-subscription ethengwe ku-App Store noma ku-Google Play, i-Vittorio Giusti srl ayilokothi ibone igama, ikheli, ikhadi lesikweletu, noma i-IBAN yomsebenzisi: le datha ibonwa kuphela yi-payment channel ekhethiwe (Apple noma Google), futhi i-Cashfulness ithola kuphela inani le-net ne-identifier engacaci ye-subscription.

Ye-subscription ethengwe nge-webhusayithi nge-Stripe, lapho i-Vittorio Giusti srl kuyi-mthengisi, inkampani ithola esikhundleni sokungakuboni — nge-Stripe dashboard — igama, ikheli le-imeyili, ikheli lokukhokhisa (uma lidingekile), uhlobo lwekhadi kanye nezinombolo ezine zokugcina, kanye nomphumela wokukhokha. Akukho isimo lapho i-Vittorio Giusti srl ithola khona inombolo egcwele yekhadi lesikweletu noma i-CVV. Imininingwane isekumqulu weNqubomgomo Yobumfihlo, §3.7.

6.2. Izitatimende namareseti asemthethweni

Ye-subscription ethengwe ku-App Store noma ku-Google Play, izitatimende noma amareseti asemthethweni akhishwa ngqo yi-Apple noma i-Google (esebenza njenge-merchant of record) ngokwenqubomgomo zabo kanye nemithetho yezwe ngalinye; umsebenzisi angazicela evela endaweni yakhe yokuthenga.

Ye-subscription ethengwe nge-webhusayithi nge-Stripe, umthengisi yi-Vittorio Giusti srl, ekhipha isitatimende noma ireseti/irekhodi lentela ngokuhambisana nemithetho yentela yase-Italiya esebenzayo futhi iyigcina isikhathi esibekiwe (iminyaka engu-10, Art. 2220 ye-Italian Civil Code). Umsebenzisi angacela umqulu ngokubhalela kubantu bokuxhumana ababalwe ku-§1.

6.3. Izinguquko zentengo

Noma iyiphi inguquko entengweni yohlelo lwe-Premium noma i-Ultra izowaziswa kubasebenzisi abasebenzayo ngesaziso esingenani izinsuku ezingu-30 nge-imeyili. Umsebenzisi angakwazi njalo ukukhansela ngaphambi kokuba intengo entsha isebenze, agcine intengo endala yesikhathi asesikhokhile.

7. Ipropathi engokwengqondo

7.1. Amalungelo e-Cashfulness

I-trademark ethi “Cashfulness” ingeye-Vittorio Giusti srl kuphela (i-EUIPO registration namba 019297195). Ikhodi yomthombo ye-application, iwebhusayithi, okuqukethwe kwe-editorial ye-blog, ama-graphics, ama-logo, kanye nazo zonke ezinye izici zenkonzo zivikelwe yi-copyright, ama-trademark, nezinye izinhlobo zokuvikela ipropathi yengqondo, futhi zisala zingeze-Vittorio Giusti srl noma zabalisiyensi bazo.

7.2. Amalungelo omsebenzisi kudatha yakhe

Umsebenzisi uhlala ngaso sonke isikhathi engumnikazi wedatha yakhe ye-accounting, amadokhumenti akhe alayishiwe, nanoma yikuphi okunye okuqukethwe akufaka enkonzweni. I-Vittorio Giusti srl isebenza njenge-mhlinzeki wobuchwepheshe kuphela futhi inelayisensi elilinganiselwe, elingekhona i-exclusive, elingabuyiswa, futhi elingenakudluliselwa lokucutshungulwa idatha enjalo ngenxa yokulethwa kwenkonzo ecelwe umsebenzisi kuphela, njengoba kuchazwe ku-Nqubomgomo Yobumfihlo.

Umsebenzisi angakwazi noma nini ukuthi:

Athumele ngaphandle (Export) idatha yakhe ngefomethi ehlelekile (ilungelo le-portability ngaphansi kwe-Art. 20 GDPR — bheka Inqubomgomo Yobumfihlo §8)
Asuse i-akhawunti eyonke nedatha yakhe (bheka §4.5)

7.3. Ilayisensi yokusetshenziswa kwenkonzo enikezwa umsebenzisi

I-Vittorio Giusti srl inikeza umsebenzisi ilayisensi engekhona i-exclusive, yomuntu siqu, engenakudluliselwa, engabuyiswa yokusebenzisa inkonzo ye-Cashfulness ngenxa yokulawula imali yomuntu siqu kuphela, ngaphakathi kwemikhawulo yohlelo abalubhalisele. Umsebenzisi akakwazi:

Ukuqedela (decompile), ukuhlukanisa (disassemble), noma ukuvuselela ubuchwepheshe be-application (ngaphandle kokuvunyelwa yi-Art. 64-quater ye-Italian Copyright Law)
Ukuphinda athengise, akhiphe ilayisensi, noma asakaze inkonzo noma izingxenye zayo kwabanye abantu
Ukusebenzisa inkonzo ngenxa yezinjongo ezingekho emthethweni noma ukwephula le Migomo

8. Ukusetshenziswa kobuhlakani bezobuchwepheshe (AI)

I-Cashfulness ingase isebenzise izici ezisebenza nge-AI ukuthuthukisa isipiliyoni somsebenzisi (isb. iziphakamiso ezisebenzayo, ukuhlaziywa kwephethini yokusebenzisa imali, ukuhlukaniswa okuzenzakalelayo). Ukusetshenziswa kwe-AI kuhlala kuhlonipha amazinga amabili obumfihlo achazwe kukhasi le-/privacy-radicale:

Kumadokhumenti alayishwe umsebenzisi (angu-E2EE-encrypted), noma yikuphi ukucutshungulwa kwe-AI okudinga ukufunda okuqukethwe kwenzeka kuphela kudivayisi yomsebenzisi, kukhophi eku-decrypted ngokulokhu. Iseva yethu ayikaze ifinyelele okuqukethwe okucacile kwalawo madokhumenti.
Kudatha ye-accounting yomsebenzisi (amabhalansi, ama-transaction, izigaba), noma yikuphi ukucutshungulwa kwe-AI kweseva kusebenza ezinombolweni ezingenayo ubunikazi bangempela be-demographic (i-Cashfulness isebenza ngesu le-pseudonymity-by-design — bheka Inqubomgomo Yobumfihlo §3.1).

I-Cashfulness ayisebenzisi idatha yomsebenzisi ukufundisa amamodeli e-AI angaphandle. Asithengisi noma sidlulisele ama-dataset ahlanganisiwe kubathengisi be-AI noma abanye abasebenzi bezohwebo.

9. Ukumiswa nokuqedwa

9.1. Ukumiswa yi-Provider

I-Vittorio Giusti srl ingamisa isikhashana i-akhawunti yomsebenzisi esimweni:

Ukungena okusolisayo okungagunyaziwe (ye-ukuvikela komsebenzisi ngokwakhe)
Ukwephulwa kwale Migomo
Ukusetshenziswa okungajwayelekile kwenkonzo (isb. ukuzama ukusetshenziswa kabi, ukuhlaselwa kwesistimu, inkohliso)
Ukungakhokhwa kwesubscription esisebenzayo (lapho i-akhawunti ide iyiswe ku-Free, hhayi imiswe)

Ukumiswa kwaziswa nge-imeyili kumsebenzisi, kukhombise isizathu futhi — uma kungenzeka — inqubo yokuxazulula lokho.

9.2. Ukuqedwa yi-Provider

Uma kuke kwaba nokwephulwa okunzima noma okuphindaphindwayo kwale Migomo, i-Vittorio Giusti srl ingaqeda inkontileka ngomphumela osheshayo, iwazise umsebenzisi nge-imeyili. Kulokhu, umsebenzisi unelungelo lokubuyiselwa nge-pro-rata noma yikuphi isubscription esisebenzayo, ngokwezinqubo ze-purchase channel.

9.3. Ukuhoxa komsebenzisi

Umsebenzisi angahoxa noma nini ngokususa i-akhawunti (bheka §4.5). Ye-amasubscription akhokhelwayo, izinqubo zokukhansela ze-purchase channel ziyasebenza (App Store, Google Play, Stripe), kanye nelungelo lokuhoxa ngaphansi kwe-§5.4 ye-abathengi ngaphakathi kwezinsuku ezingu-14 zokuthenga.

10. Isiqinisekiso somthetho sokuhambisana

10.1. Isilinganiso nobude besikhathi

I-Cashfulness i-inkonzo edijithali futhi inikeza okuqukethwe okudijithali ngaphansi kwe-Article 135-octies kuya phambili ye-Italian Consumer Code (Legislative Decree 206/2005, njengoba ichitshiyelwe yi-Legislative Decree 173/2021 esebenzisa Idayirekthivu (EU) 2019/770). Kumsebenzisi omthengi, i-Vittorio Giusti srl inomthwalo, ngaphansi kwe-Article 135-quaterdecies ye-Consumer Code, ye-noma yikuphi ukungahambisani kwenkonzo nokuqukethwe okudijithali okukhona ngesikhathi sokulethwa nokuvela ngaphakathi kwe-minyaka emibili.

Ye-izinkonzo zedijithali ezinikezwa ngendlela eqhubekayo (njenge-Cashfulness), isiqinisekiso siyasebenza kuso sonke isikhathi lapho inkonzo kufanele inikezwe ngaphansi kwenkontileka, futhi kunoma isiphi isimo isikhathi esingaphansi kweminyaka emibili.

Isiqinisekiso siyasebenza nakuFree plan

Ngaphansi kwe-Article 135-octies, isigaba 4 se-Consumer Code, isiqinisekiso somthetho sokuhambisana siyasebenza futhi ezinkontilekeni lapho umsebenzisi engakhokhi intengo ngemali kodwa enikeza idatha yomuntu (ngaphandle uma leyo datha icutshungulwa kuphela ukuze kunikezwe inkonzo noma ukuze kuhlonishwe izibopho zomthetho). Ngenxa yalokho, isiqinisekiso somthetho sokuhambisana sihlanganisa futhi Abasebenzisi be-Free plan, ngezimo ezifana nezamasu akhokhelwayo.

10.2. Izidingo zokuhambisana

Inkonzo nokuqukethwe okudijithali kuthathwa njengokuhambisana nenkontileka uma, phakathi kokunye, kuhambisana nencazelo, inani, ikhwalithi kanye nokusebenza okumenyezelwe, kufanele izinjongo ezisetshenziselwa izinkonzo zohlobo olufanayo, futhi kunikezwa ngenguqulo entsha kunazo zonke etholakalayo ngesikhathi kwenziwa inkontileka, ngaphandle uma kuvunyelwene ngenye indlela (Article 135-decies ne-135-undecies ye-Consumer Code).

10.3. Umsebenzi wokunikeza izibuyekezo

Ngaphansi kwe-Article 135-undecies ye-Consumer Code, i-Vittorio Giusti srl inikeza umsebenzisi izibuyekezo (kuhlanganise izibuyekezo zokuphepha) ezidingekayo ukugcina inkonzo nokuqukethwe okudijithali kuhambisane isikhathi esiphelele esibalwe ku-§10.1. Umsebenzisi waziswa ngezibuyekezo ezinjalo ngezindlela zokuxhumana ezibekiwe kule Migomo. Uma umsebenzisi engafaki, ngaphakathi kwesikhathi esifanele, izibuyekezo ezitholakalayo, i-Vittorio Giusti srl ayinamthwalo yanoma yikuphi ukungahambisani okudalwa kuphela ukungafakwa, uma nje umsebenzisi ewaziswa ngokutholakala kwesibuyekezo nangemiphumela yokungasifaki.

10.4. Izinsizakuxazulula ye-ukungahambisani

Uma kuke kwaba nokungahambisani, umsebenzisi unelungelo, ngaphansi kwe-Article 135-octiesdecies ye-Consumer Code, kule zinsizakuxazulula ezilandelayo, ngohlelo olukhonjisiwe:

Ukwenza kuhambisane inkonzo noma okuqukethwe okudijithali, mahhala, ngaphakathi kwesikhathi esifanele futhi ngaphandle kokuphazamiseka okukhulu emsebenzisini;
kunye nokunye (uma ukwenza kuhambisane kungenzeki noma kungahambelani, uma i-Vittorio Giusti srl ihlulekile ukukwenza, noma uma ukungahambisani kuqhubeka noma kubi kakhulu), ukuncishiswa okulinganayo kwentengo (ye-amasu akhokhelwayo) noma ukuqedwa kwenkontileka.

Ekuqedweni, i-Vittorio Giusti srl izobuyisela umsebenzisi noma yikuphi okukhokhelwe ye-ingxenye yenkonzo engahambisani noma engasetshenziswa, ngokwezinqubo ze-purchase channel; ye-amasu amahhala, ukuqedwa kuholela ekumeni kokulethwa ngaphandle kokubuyiselwa kwemali, njengoba akukho intengo ekhokhelwe. Ukuqedwa ngenxa yokungahambisani akutholakali uma ukungahambisani kuncane.

10.5. Umthwalo wobufakazi

Ye-okuqukethwe nakwezinkonzo edijithali ezinikezwa ngendlela eqhubekayo, noma yikuphi ukungahambisani okuvela ngaphakathi kwesikhathi sesiqinisekiso (§10.1) kucatshangwa ukuthi bekukhona ngesikhathi sokulethwa, ngaphandle uma kuphikiswe ngokusobala, ngaphansi kwe-Article 135-sexiesdecies ye-Consumer Code: umthwalo wokufakazela ukuthi ukungahambisani akubona khona uwela ku-Vittorio Giusti srl.

10.6. Indlela yokusebenzisa isiqinisekiso

Ukusebenzisa isiqinisekiso somthetho sokuhambisana, umsebenzisi angaxhumana ne-Vittorio Giusti srl esebenzisa izindlela ezibekiwe ku-§14 (Ukuxhumana), achaze ukungahambisani okutholiwe. Isiqinisekiso somthetho sokuhambisana sinikezwa mahhala futhi siyisengezo, hhayi isibuyiselo, samanye amalungelo anikezwa abathengi umthetho.

11. Imikhawulo yomthwalo

11.1. Inkonzo “njengoba injalo”

Ngaphandle kokuphazamiseka kwesiqinisekiso somthetho sokuhambisana esinikezwa yi-Consumer Code (bheka §10) ye-umsebenzisi omthengi, esisala singashintshiwe, inkonzo ye-Cashfulness inikezwa “njengoba injalo”: i-Vittorio Giusti srl ayinikezi eminye imiqinisekiso, ecacile noma engaphandle, yokufanela izinjongo ezithile noma ukungabi khona okuphelele kwamaphutha, ngaphezu kwalokho okudingwa umthetho ye-ukuvikela abathengi. Yenza yonke imizamo efanele yokugcina inkonzo isebenza futhi iphephile, kodwa ayiqinisekisi izinga elithile lenkonzo (SLA) — ngaphandle noma iziphi izethembiso ezicace ezivunyelwene ngokubhalwa nabasebenzisi bezohwebo esikhathini esizayo.

11.2. Ukukhishwa komthwalo ye-ukulahleka kwamadokhumenti e-E2EE

Ukulahleka okungabuyiswa kwamadokhumenti

I-end-to-end encryption yamadokhumenti alayishiwe iklanywe ukuqinisekisa ukuthi kuphela umsebenzisi angafinyelela emadokhumentini akhe ngendlela ecacile (bheka Inqubomgomo Yobumfihlo §3.4). Ngenxa yalokho, uma umsebenzisi elahlekelwa yipasiwedi kanye namagama angu-24 okubuyisela, amadokhumenti azoba angeke asatholakala unomphela, ngisho ne-Vittorio Giusti srl. I-Vittorio Giusti srl ikhipha ngokucacile noma yimuphi umthwalo ye-ukulahleka kwedokhumenti okudalwe ukulahlekelwa kwa-credentials komsebenzisi: lokhu wuhlangothi olulodwa, olwamukelwe umsebenzisi, lokulawula okuphelele kobumfihlo bakhe.

11.3. Ukukhishwa kweseluleko lezimali elihambisana nomuntu ngamunye

I-Cashfulness ayiyona inkonzo ye-financial advisory ehambisana nomuntu ngamunye, futhi ayiyona neyeseluleko lentela noma yomthetho. Idatha eboniswayo nezibalo ezenziwa i-app (Balance Sheet, Income Statement, izinkomba zempilo yezimali, amacebiso okusebenza) zihlose izinjongo zemfundo nokuhlelwa komuntu siqu, azakhi izincomo zokutshalwa kwemali ngokusho kwe-Regulation (EU) 600/2014 (MiFIR) noma izincomo zentela. Ye-izinqumo zokutshalwa kwemali, zentela, noma zomthetho, umsebenzisi kufanele abonane nomeluleki wezimali onelayisensi, i-accountant, noma ummeli.

11.4. Umkhawulo omkhulu wemthwalo

Ngaphandle kokuphazamiseka kwemikhawulo ephoqelekile yokuvikela abathengi ebekwa umthetho nasezimweni zokwenza ngamabomu noma ukungenakelisi okukhulu, umthwalo wonke we-Vittorio Giusti srl kumsebenzisi, kunoma iyisiphi isisekelo (senkontileka, esingesona esenkontileka, noma esinye), ulinganiselwe kunoma isiphi isimo kuenkulu yalezi zilinganiso ezimbili:

Inani lezinyanga ezingu-12 zesubscription esisebenzayo ngosuku lomcimbi obangele isicelo (isb. ~€71.88 ye-Premium yenyanga, ~€119.88 ye-Ultra yenyanga);
Inani elimisiwe le-€100 (ikhulu leyuro).

Lo mkhawulo uyasebenza futhi kubasebenzisi be-Free plan.

11.5. Izigameko ezingahlobene

I-Vittorio Giusti srl ayinamthwalo ye-ukuphazamiseka kwenkonzo, ukungatholakali, noma ukungasebenzi kahle okudalwa:

Izigameko ze-force majeure (izinhlekelele zemvelo, impi, ubhubhane, njll.)
Ukuphazamiseka noma ukungasebenzi kahle kwabahlinzeki be-infrastructure (Vercel, Supabase, Apple, Google, Stripe, Resend, SiteGround, njll.)
Ukuphazamiseka kwenethiwekhi noma yokuxhuma kwe-inthanethi komsebenzisi
Ukungenelela enkonzweni ngabantu abangagunyaziwe naphezu kokuthathwa kwezinyathelo zokuphepha ezifanele

12. Izinguquko kule Migomo

I-Vittorio Giusti srl izigcinela ilungelo lokushintsha le Migomo esikhathini esizayo, ngenxa yezibuyekezo zomthetho, ukuguquka kwenkonzo, noma ukuletha izici ezintsha.

Izinguquko ezingabalulekile zishicilelwa kule khasi ngosuku olubuyekeziwe phezulu.

Izinguquko ezibalulekile (isb. inguquko yemodeli yezohwebo, ukuletha izinjongo ezintsha zokucutshungulwa, ushintsho lwemikhawulo yomthwalo) zaziswa kubasebenzisi abasebenzayo nge-imeyili ngesaziso esingenani izinsuku ezingu-30. Umsebenzisi unelungelo lokungamukeli izinguquko futhi asuse i-akhawunti ngaphambi kokuba isebenze.

Ukuqhubeka kokusetshenziswa kwenkonzo ngemva kosuku lokusebenza kwezinguquko kwakha ukwamukelwa kwazo.

13. Izimiso zesikhashana zesigaba se-beta

Izimiso zalesi sigaba zengeza futhi, esimweni sokungqubuzana, zidlula ezinye izimiso zeMigomo, kulinganiselwa ekumeni kwesigaba se-beta.

13.1. Uhlobo lwenkonzo esigabeni se-beta

I-Cashfulness njengamanje isesigabeni se-beta: inkonzo isaguquka ngokusebenzayo, izici zingase zengezwe, zishintshwe, noma zisuswe ngaphandle kwesaziso, i-user interface ingase ishintshe, futhi kungenzeka lokhu okulandelayo:

Ukuphazamiseka kwenkonzo okungahlelekile
Ukuziphatha okungajwayelekile, amaphutha okubala, ukulahleka kwesikhashana kwezici
Isidingo sezinqubo zokugcinwa okungajwayelekile
Ezimweni ezingavamile, ukulahleka noma ukusethwa kabusha kwedatha yokuhlola (nakuba i-Cashfulness izokwenza konke okusemandleni ukukugwema)

13.2. Ayikho i-SLA esigabeni se-beta

Esigabeni se-beta, i-Vittorio Giusti srl ayiqinisekisi izinga lenkonzo (SLA): ayizibophezeli ku-uptime encane, ku-isikhathi sokuphendula izicelo zosizo, noma ku-ukujwayeleka kwezibuyekezo. Umsebenzisi obandakanyeka ku-beta uyavuma leso simo.

13.3. Ukuphathwa kwezohwebo kwabahloli be-beta

Abasebenzisi abavunyelwe esigabeni se-beta (noma nge-isimemo esiqondile se-Vittorio Giusti srl, noma nge-ukubhalisa okwamukelwe ohlwini lokulinda lwe-beta) bazuza kulokhu okuqondile kwezohwebo okulandelayo:

Inkonzo yamahhala kuze kube ngu-31 Disemba 2027: esigabeni se-beta futhi kuze kube ngu-31 Disemba 2027, abahloli be-beta banokufinyelela mahhala ezicini zohlelo lwe-Ultra.
Isaphulelo esingu-30% saphakade emva kwe-beta: kusukela ngo-1 Januwari 2028 kuya phambili, abahloli be-beta bangabhalisela uhlelo lwePremium noma lweUltra ngesaphulelo esingu-30% impilo yonke, kuphela nge-web channel (Stripe). Isaphulelo asitholakali ezinsizakusebenzeni zevenkile (Apple, Google) ngenxa yezizathu ezisebenzayo eziphathelene nokuphathwa kwenqubomgomo yokukhuthaza yevenkile.
Isaphulelo asinakudluliselwa kwabanye abantu; sixhunyaniswe ne-akhawunti yomhloli we-beta. Awekho amakhodi anganikezwa adluliselwayo.

13.4. Ukuphela kwesigaba se-beta

Isigaba se-beta siphela lapho i-Vittorio Giusti srl imemezela ngokusemthethweni ukutholakala okuvamile kwenkonzo (“GA — General Availability”). Kusukela ngaleso sikhathi, izimiso zalesi sigaba §13 ziyekwa ukusebenza, ngaphandle kokuphathwa kwezohwebo kwabahloli be-beta ku-§13.3 okusala kusebenza ngaphansi kwezimo ezibekiwe.

14. Ukuxhumana

14.1. Ukuxhumana kusuka ku-Vittorio Giusti srl kuya kumsebenzisi

Kwenzeka nge-imeyili ekhelini elixhunyaniswe ne-akhawunti. Kungumthwalo womsebenzisi ukugcina ikheli lakhe le-imeyili libuyekeziwe.

14.2. Ukuxhumana kusuka kumsebenzisi kuya ku-Vittorio Giusti srl

Ye-izindaba zosizo: info@cashfulness.com
Ye-izindaba zobumfihlo: privacy@cashfulness.com
Ukuxhumana okusemthethweni: vittoriogiusti.com@pec.it
I-imeyili yeposi: Vittorio Giusti srl, Via del Campisano 520, 55054 Massarosa (LU), Italiya

15. Ulimi lwenkontileka

Le Migomo yenziwe ngesiNtaliyane, okuwulimi olusemthethweni lwenkontileka.

Izinguqulo ngezinye izilimi zinikezwa kuphela njenge-courtesy translation, ukusiza umsebenzisi ukuqonda umqulu, futhi azinawo umthelela wezomthetho ozimele.

Uma kuke kwaba nokungahambisani, ukuphikisana, noma ukuhluka kokuchazwa phakathi kwenguqulo yesiNtaliyane nanoma iyiphi inguqulo, inguqulo yesiNtaliyane iyodlula.

Lokhu akuphazamisi izimiso ezidingekayo zokuvikela abathengi: uma umsebenzisi engumthengi, imithetho ephoqelekile yezwe lakhe lokuhlala iyaqhubeka isebenza noma kunjalo lesi sigaba.

16. Umthetho osebenzayo nesigodi somthetho

Le Migomo ilawulwa wumthetho wase-Italiya.

Uma umsebenzisi engumthengi ngokusho kwe-Italian Consumer Code, ye-noma yikuphi ukungqubuzana mayelana nokuchazwa, ukwenziwa, noma ukuqedwa kwale Migomo, inkantolo yendawo lapho umthengi ehlala khona noma enendawo yakhe yokuhlala enegunya elikhethiweyo eliphoqelekile (Art. 66-bis ye-Italian Consumer Code).

Kubudlelwane obungabasebenzisi abangebona abathengi kuphela (osomabhizinisi, amabhizinisi, izinhlangano) yinkantolo yase-Lucca, Italiya enegunya elikhethiweyo.

16.1. Alternative Dispute Resolution (ADR)

Ngaphansi kwe-Italian Legislative Decree 130/2015, umsebenzisi omthengi angabhekana negunya le-alternative dispute resolution (ADR) ukuxazulula noma yikuphi ukungqubuzana okuvela kule Migomo.

Abasebenzisi abangabathengi abahlala e-European Union bangasebenzisa futhi i-ODR platform ye-European Commission (Online Dispute Resolution), etholakala ku: ec.europa.eu/consumers/odr.

17. Izimiso ezahlukene

17.1. Ukungasebenzi okuyingxenye

Uma noma yisiphi isimiso sale Migomo sithathwa njengesingasebenzi noma esingenamthelela yigunya elifanele, ezinye izimiso ziyoqhubeka zisebenza ngokugcwele futhi zinomthelela.

17.2. Akukho ukuyeka

Ukwehluleka kwe-Vittorio Giusti srl ukuphoqelela noma yisiphi isimiso sale Migomo akwakhi ukuyekethiswa kokuphoqelelwa kwaso esikhathini esizayo.

17.3. Isivumelwano esiphelele

Le Migomo, kanye ne-Nqubomgomo Yobumfihlo ne-Nqubomgomo Yamakhukhi, zakha isivumelwano esiphelele phakathi kwamaqembu mayelana nento elawulwa lapha, futhi zithatha indawo yanoma yisiphi isivumelwano sangaphambili, ukuqonda, noma ukuxhumana phakathi kwamaqembu ngento efanayo.

17.4. Ukudluliselwa kwenkontileka

Umsebenzisi akakwazi ukudlulisela i-akhawunti yakhe noma amalungelo avela kule Migomo kwabanye abantu ngaphandle kwemvume ebhaliwe kusengaphambili ye-Vittorio Giusti srl. I-Vittorio Giusti srl ingadlulisela inkontileka kwabanye abantu (isb. esimweni sezenzo ezingajwayelekile zenkampani njenge-merger, i-demerger, ukuthengiswa kwebhizinisi noma i-business unit) ngokwazisa abasebenzisi okungenani izinsuku ezingu-30 kusengaphambili.

18. Ukwamukelwa kwezinhlamvu ezingalungile (Art. 1341 Italian Civil Code)

Izinhlamvu ezingalungile — kudingeka ukufunda okucophelelayo

Ngokusho kanye nangenxa yemiphumela ye-Article 1341 ne-1342 ye-Italian Civil Code, umsebenzisi umemezela ukuthi ufunde ngocophelela futhi wamukela ngokusobala izinhlamvu ezilandelayo:

§5.3 (ukuvuselelwa okuzenzakalelayo kwesubscription)
§9 (ukumiswa nokuqedwa yi-Provider)
§11.1 (inkonzo “njengoba injalo”)
§11.2 (ukukhishwa komthwalo ye-ukulahleka kwamadokhumenti e-E2EE)
§11.4 (umkhawulo omkhulu wemthwalo)
§11.5 (izigameko ezingahlobene)
§12 (izinguquko ezingakubona zombili ku-Migomo)
§13.2 (ayikho i-SLA esigabeni se-beta)
§15 (igunya elikhethiweyo lase-Lucca, Italiya kuphela ye-abasebenzisi abangebona abathengi)
§16.4 (ukudluliselwa kwenkontileka)

Ukwamukelwa kwalezi zinhlamvu ezingalungile kwenzeka nge-ukubhaliswa enkonzweni (imvume ecacile ngesikhathi sokubhalisa nge-flag ethi “Ngiyawamukela Imigomo Nemibandela”).

*Vittorio Giusti srl — Cashfulness*

*Umqulu wenziwe ngo-6 Julayi 2026, inguqulo 1.2*