Aurel terms of service

Effective: 25 October 2026

These terms are an agreement between you and Patrick Obama (“we”), who makes Aurel. By creating an account or using Aurel, you agree to them. If you don’t agree, please don’t use Aurel. If you have a question, write to us at support@aurelwallet.com.

The short version

• Aurel helps you keep track of your money. It isn’t a bank, it never holds or moves money, and it isn’t financial advice.
• What you put into Aurel is yours. You can export it or delete your account at any time.
• Keep your account safe, and use Aurel lawfully.
• Aurel is built with care, but check important numbers against your bank and mobile money statements.

Who can use Aurel

• You must be at least 13 years old. If you’re under 18, you need a parent or guardian’s permission.
• An account is for one person. Use an email address you can receive mail at, so you can verify it and get your sign-in codes.

Your account

• Keep your password to yourself. You’re responsible for what happens in your account, so turn on two-factor authentication and app lock if you can.
• If you think someone else has got into your account, change your password straight away and tell us.
• We may suspend or close an account that breaks these terms or puts Aurel, or other people, at risk. Where we can, we’ll tell you first and give you a chance to export your data.

What Aurel does, and doesn’t do

• Aurel records what you enter, and the transactions you choose to save from your messages. Its numbers are only as accurate as those messages and what you save. A plugin can misread a message, so check each one before you save it.
• Aurel isn’t a bank, a payment service, or a financial, tax or legal adviser. It doesn’t connect to your bank or mobile money accounts and can’t move money.
• Budgets, goals, insights and reminders are there to help you decide. The decisions, and what comes of them, are yours.

Your data

• What you put into Aurel belongs to you. You let us store, sync and process it only to run Aurel for you, as the privacy policy describes.
• You can export your data from the app at any time, and delete your account and everything in it whenever you like.
• Aurel keeps a copy on your phone and on our server, but please keep your own copies of anything you can’t afford to lose.

Plugins and automations

• Plugins read messages from the senders they list, on your phone, and only once you turn them on. You can turn them off at any time. Plugins come from us and are signed, so your phone only runs ones we published.
• Automations do what you set them to. Check what they change, and undo anything that isn’t right.

Using Aurel fairly

Please don’t:

• use Aurel for anything unlawful;
• try to get into someone else’s account or data;
• probe, scan, overload or attack our servers, or get around Aurel’s security;
• copy, scrape or resell Aurel or its data, or reverse engineer the app, except where the law allows it.

Aurel itself

• Aurel’s name, logo, design and code belong to us. We give you a personal, non-exclusive licence to use the app for yourself while these terms apply. You can’t transfer it to anyone else.
• Ideas and feedback are always welcome. If one of yours makes it into Aurel, we can use it freely, and we’ll be grateful.

Changes to Aurel

• We keep improving Aurel, so features may be added, changed or removed.
• Aurel keeps working on your phone without a connection. We aim to keep our server, which syncs your phones, up at least 99% of the time over a year. If it’s ever down, your changes wait safely on your phone and sync as soon as it’s back.

If something goes wrong

We work hard to keep Aurel accurate, safe and running, and we fix problems as soon as we know about them. But no app is perfect, so we can’t promise Aurel will always be error-free or available.

Aurel helps you see your money; it doesn’t make decisions for you. So, as far as the law allows, we can’t be responsible for losses that come from decisions made using Aurel’s numbers, or for indirect losses. Nothing in these terms takes away your rights under consumer protection law.

If something isn’t right, tell us at support@aurelwallet.com and we’ll do our best to put it right.

Ending

You can stop using Aurel and delete your account at any time. If your account is closed, the parts of these terms that by their nature should continue (like ownership, “If something goes wrong”, and the law that applies) still apply.

Changes to these terms

If we change these terms, we’ll update the date at the top. If a change is significant, we’ll tell you in the app or by email before it takes effect. Using Aurel after that means you accept the new terms.

The law that applies

These terms are governed by the laws of Kenya, and disputes go to the courts of Kenya. If you live elsewhere, you keep any rights your local consumer law gives you.

Contact

Questions about these terms: support@aurelwallet.com.