Last updated: April 2026
Who We Are
Merq Vault is a personal finance tracking application operated by Merq Software, a sole proprietorship based in Texas, United States. References to "we," "us," or "our" refer to Merq Software. References to "you" refer to the person using the application.
What Merq Vault Is
Merq Vault is a personal finance tracking tool. It helps you record and visualize your budget, spending, bills, debts, net worth, and savings goals based on information you manually enter.
Your Account
To use Merq Vault you must create an account with a valid email address. You are responsible for:
- Keeping your password secure and confidential
- All activity that occurs under your account
- Notifying us immediately at support@getmerq.com if you suspect unauthorized access
You must be at least 18 years old to create an account. By signing up, you confirm that you meet this requirement.
Free Trial and Subscription
Merq Vault offers a 3-month free trial with no credit card required and no automatic charges. After your trial period:
- You may choose to upgrade to a paid plan to continue using the full app
- Annual plan: $59/year
- Monthly plan: $7/month
- We will never charge you without your explicit action — there is no auto-renewal without consent
During the trial, receipt storage is limited to 50 receipts. Paid plans include unlimited receipt storage.
Shared Finances (Partner Access)
Merq Vault allows you to invite one partner to share your financial data. By sending or accepting a partner invite:
- You grant your partner full read and write access to your shared financial data
- Either party may revoke the connection at any time from Settings
- Upon revocation, shared access ends immediately
- We are not responsible for disputes between partners regarding shared financial data
Your Data
You own your data. We don't sell it, share it with advertisers, or use it for any purpose other than operating the service. See our Privacy Policy for full details.
You can export your transaction history at any time as a CSV file from within the app. You may request full account deletion by contacting legal@getmerq.com.
Acceptable Use
You agree not to:
- Use Merq Vault for any unlawful purpose
- Attempt to access another user's account or data
- Reverse engineer, copy, or resell any part of the application
- Upload malicious files or content intended to harm the service or other users
- Use the app in any way that violates applicable laws in Texas or your jurisdiction
Disclaimers
Merq Vault is provided "as is" without warranties of any kind. We do our best to keep the app running reliably, but we cannot guarantee:
- Uninterrupted or error-free service
- That data entered will be perfectly accurate or complete
- That the app will meet every financial need or situation
We are not liable for any financial decisions made based on information displayed in the app.
Limitation of Liability
To the fullest extent permitted by law, Merq Software's total liability to you for any claim arising from use of Merq Vault shall not exceed the amount you paid for the service in the 12 months preceding the claim. We are not liable for indirect, incidental, or consequential damages of any kind.
Governing Law
These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict of law provisions. Any disputes shall be resolved in the courts of Texas.
Changes to These Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page. Continued use of the app after changes constitutes acceptance of the updated Terms.
Contact Us
Questions about these Terms? Reach us at legal@getmerq.com.
Merq Software
Texas, United States