Clear answers before anyone trusts you with money.

Yes. The Free plan does not require a credit card. It helps people understand their money, start tracking manually, and build confidence before deciding whether an optional paid upgrade is worth it.

No. Venaya is intentionally manual-first. You log your own transactions, which means your bank credentials stay completely private — Venaya never asks for them.

Venaya is for people at different life stages: students, new workers, freelancers, parents, people between jobs, retirees, and anyone rebuilding their money rhythm.

No. Venaya does not connect to your bank — ever. You log transactions yourself, which keeps your financial credentials completely out of Venaya's hands.

No. Venaya provides educational guidance, habit tracking, and product insights. It is not a bank, broker, or licensed financial advisor. Important financial decisions should be reviewed with a qualified professional.

Deleting your account removes your personal data from Venaya's active systems. You can export everything before you leave — transactions, goals, score history, and settings — via the data export tool in your account settings.

Yes. Venaya is built with data minimisation in mind: you control what you enter, you can export it all, and you can delete it. Venaya does not sell personal data or share it with advertisers.

If Venaya ever closes, account holders will receive advance notice and a final data export window before anything is removed. Your financial data belongs to you.

Venaya should never feel like a blank screen. The launch version is shaped around graceful loading, empty, and error states, while full offline sync can come later.

Status Mode adapts Venaya to someone’s current life stage. A student, a freelancer, and someone between jobs should not see money in exactly the same way.

It is a 0-100 financial health signal based on savings, emergency fund, budget discipline, debt, habits, goals, and financial confidence.

No. Venaya should feel global from the beginning. Currency, language, and local context can adapt over time without making the product Swiss-only.

The Free plan includes the core experience: dashboard, manual transactions, budgets, visual savings goals, basic insights, Venaya Score, and manual currency conversion.

Pro is for deeper automation and personal intelligence: receipt scanning, investment views, net worth tracking, reports, forecasting, scenario modelling, and subscription optimization. Teams is for shared planning. Business is for advisor/admin work, exports, controls, and reporting.

Yes. Pro is available monthly or yearly, with a 14-day free trial before the first charge. Stripe handles card details, invoices, payment changes, and cancellation.