Last updated: 7 May 2026
Welcome to Uncle Mini Finance Tracker. These Terms of Use ("Terms") govern your use of the Uncle Mini Finance Tracker application and the unclemini.com and unclemini.app websites ("the Service"). By purchasing, downloading, creating a workspace, or otherwise using the Service, you indicate your acceptance of these Terms and form a binding contract with Uncle Mini. If you do not agree, do not use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
Uncle Mini Finance Tracker is a planning and operational overview tool. It is not accounting software, bookkeeping software, or a substitute for compliant accounting records. It is not designed to satisfy the bookkeeping, accounting, tax-filing, audit-trail, or record-retention requirements of any country or accounting framework (for example, statutory bookkeeping laws, IFRS, GAAP, or any equivalent).
You are responsible for keeping separate, jurisdiction-compliant accounting records and for consulting a qualified accountant or tax adviser for tax filings, registration, refund claims, and regulatory reporting. All tax, VAT, and financial figures shown by the Service are estimates based on the data you enter, calculated using simplified formulas. See Section 8 for full details.
Uncle Mini Finance Tracker is a local-first planning and overview tool for tracking income, expenses, invoices, cash flow, and tax and VAT estimates. The application runs entirely in your browser. Your data is stored in a folder you choose on your own computer or in your own cloud storage (for example OneDrive, Dropbox, or Google Drive). Uncle Mini does not operate a server that stores your data.
Uncle Mini Finance Tracker is not accounting software, bookkeeping software, or a substitute for professional financial, accounting, tax, or legal advice. It is a planning and overview tool. It is not designed for, and may not be suitable for: bookkeeping, statutory financial reporting, tax filing, audit, statutory record-keeping, or any use that requires compliance with specific accounting standards (including but not limited to GAAP, IFRS, or any national accounting framework) or jurisdiction-specific reporting rules. See Section 8 for details.
Uncle Mini Finance Tracker is available as a free trial for 14 days, with full functionality. After the trial period, continued use requires a paid license.
When you purchase Uncle Mini Finance Tracker, you receive a non-exclusive, non-transferable license to use the software, governed in detail by the License Agreement. You may:
You may not:
Your license is intended for use by you and members of your team. We monitor license activations to identify unusual or excessive use that suggests license sharing beyond a single team. Examples of activity that may be considered unusual include:
If we detect unusual activity, we may, at our discretion: refuse further activations on the affected license, disable the license for any future activation, or take other reasonable steps to protect against abuse. Workspaces that are already activated at the time of any such action will continue to function. The Service does not re-verify licenses after activation.
If you believe action has been taken on your license in error, contact support@unclemini.com. The full clause is set out in the License Agreement.
Pricing is displayed on unclemini.com and at the point of purchase. Payments are processed by Gumroad, and its terms apply to the payment itself.
The license you purchase includes 12 months of updates from the date of purchase. After that period, the software continues to work but does not receive further updates unless you purchase an upgrade or a new license.
Trial evaluation. Uncle Mini Finance Tracker is offered with a 14-day free trial that begins when you create your first workspace. The trial is fully functional and is provided so that you have a fair opportunity to evaluate the Software before paying.
Immediate access and waiver of right of withdrawal. By completing a purchase, you:
Purchases are non-refundable. All sales are final. The waiver of the 14-day right of withdrawal described above does not affect any other consumer rights you have under applicable law.
Your financial data - including transactions, invoices, categories, business profile, and tax and VAT settings - stays in the folder you choose. Uncle Mini does not read, transmit, or store your data on any server operated by Uncle Mini. You are solely responsible for:
If you choose to store your data in a cloud service like OneDrive, Dropbox, or Google Drive, that service's terms apply to the storage and transmission of your data.
Uncle Mini Finance Tracker supports sharing a workspace with multiple team members through the same cloud folder. Because the Service has no server, synchronization between devices is handled through the cloud storage provider you choose (for example OneDrive, Dropbox, or Google Drive).
When the Service detects that a teammate has saved changes while you were editing, a banner appears informing you, and when you next save, a merge dialog opens. The dialog shows you what each side changed and offers four options: keep everything (which merges both sides), keep only your version, keep only the other version, or decide later.
If you choose to merge:
history/ folder so you can recover it manually if needed.You understand and accept that:
history/ folder - which includes automatic snapshots while you work (at most one every 30 minutes) and a pre-merge snapshot taken before each merge - is the primary recovery mechanism.Uncle Mini Finance Tracker may display calculations and projections relating to income, expenses, profit, cash flow, tax set-aside, VAT collected, VAT paid, net VAT position, VAT refund position, and similar figures (collectively, "Financial Outputs"). These features exist solely to help you plan and review your business at a high level.
Estimates only. All Financial Outputs are estimates calculated from the data you enter using simplified formulas. They do not, and cannot, reflect the full complexity of any specific country's tax, VAT, accounting, or reporting rules. Actual obligations and entitlements may differ materially from what the Service displays due to factors that include, but are not limited to: deductions, credits, allowances, exemptions, registration thresholds, filing frequency, partial-exemption rules, reverse-charge rules, cross-border rules, intra-EU rules, place-of-supply rules, accounting periods, currency conversion, rounding, depreciation, and jurisdiction-specific or industry-specific rules not modeled by the Service.
Not professional advice. Nothing in the Service constitutes accounting, tax, legal, financial, or investment advice. The Service does not create an accountant-client, tax-adviser-client, or attorney-client relationship between you and Uncle Mini. You should consult a qualified accountant, tax adviser, or your local tax authority before relying on any Financial Output for filing, registration, payment, refund claim, or any other regulatory or business purpose.
VAT positions are mathematical only. Where the Service displays a "VAT collected", "VAT paid", "Net VAT due", "VAT refund", or similar position, that figure is purely the arithmetic result of the data you have entered. Whether you are actually obligated to pay, entitled to receive a refund, eligible to claim a credit, or required to carry forward a position depends on your VAT registration status, filing schedule, jurisdiction, business structure, and rules that the Service does not evaluate. Uncle Mini makes no representation that any displayed amount will be paid to or accepted by any tax authority.
Forecasts are projections, not promises. Cash-flow projections, tax set-aside recommendations, recurring-expense forecasts, and similar forward-looking outputs are based on simplified extrapolations of past data. They are not guarantees of future results and should not be the sole basis for borrowing, hiring, investment, pricing, or other business decisions.
No warranty of jurisdiction fit. Uncle Mini makes no representation that the Service's tax, VAT, or financial model fits the rules of any specific country, region, or business structure. You are responsible for determining whether the Service is suitable for your situation before relying on it.
Not books of account, not statutory record-keeping. The Service is not designed to satisfy any country's statutory bookkeeping, audit-trail, accounting-standard, or record-retention requirements. Output from the Service may not be acceptable as a book of account, ledger, or supporting documentation in tax filings, audits, regulatory submissions, or legal proceedings. You remain solely responsible for maintaining separate, compliant accounting records as required by the laws of your jurisdiction, and for engaging a qualified accountant or bookkeeper where required.
Currency and exchange rates. The Service may display amounts in a single chosen currency and does not perform real-time currency conversion, track exchange-rate changes over time, or adjust amounts for revaluation, hedging, or unrealised FX gain or loss. If your business operates across multiple currencies, you are solely responsible for currency conversion, FX gain/loss reporting, and recording amounts in the correct functional currency for each transaction.
The Service is provided "as is" and "as available," without warranties of any kind, express or implied. This includes, but is not limited to, implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
Uncle Mini does not warrant that the Service will be uninterrupted, error-free, free of harmful components, or that any defects will be corrected. You use the Service at your own risk.
Without limiting the foregoing, Uncle Mini specifically disclaims any warranty that the Service's tax, VAT, accounting, or financial calculations are accurate, complete, current, free from rounding errors, or suitable for any specific filing, regulatory submission, audit, business decision, or jurisdiction. All such calculations are estimates based on simplified formulas and on the data you enter.
To the maximum extent permitted by law, Uncle Mini and anyone associated with it will not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of data, loss of goodwill, business interruption, tax penalties or interest, missed VAT refunds or credits, audit costs, accountant or legal fees, regulatory fines, or any other commercial damages or losses, arising out of or related to your use of the Service or your reliance on any Financial Output.
The total liability of Uncle Mini for any claim relating to the Service, regardless of the cause of action, is limited to the amount you paid for the license in the 12 months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain damages. To the extent that any limitation in this Section is held unenforceable in your jurisdiction, the remaining limitations continue to apply, and Uncle Mini's liability is limited to the maximum extent permitted by applicable law.
Mandatory consumer rights. If you are a consumer, nothing in these Terms excludes, restricts, or limits any right or remedy that cannot be excluded, restricted, or limited under the mandatory consumer-protection laws of your country of residence. Where any limitation or exclusion in these Terms is held to exceed the maximum permitted by such mandatory law, that limitation or exclusion shall be read down to the maximum permitted, and the remainder of these Terms shall continue in full force and effect.
You are responsible for:
You agree to indemnify, defend, and hold harmless Uncle Mini, its operator, employees, and contributors against any claims, losses, costs, damages, liabilities, and expenses (including reasonable legal fees) arising out of or relating to:
This indemnity does not apply to the extent a claim arises from Uncle Mini's wilful misconduct or, where applicable law requires, gross negligence.
Uncle Mini may update the Service from time to time. Updates are delivered through the hosted application and are typically backward-compatible with your existing data.
Uncle Mini may update these Terms. When we do, we will update the "Last updated" date at the top. Continued use of the Service after changes means you accept the updated Terms. Material changes will be communicated to active customers by email where reasonably possible.
You may stop using the Service at any time. Your license terminates automatically if you materially breach these Terms.
If the Service is discontinued, your existing purchased copy will continue to function as-is on any device where it has been loaded. Your data remains yours, in the location you chose.
Sections 6 (Your Data), 8 (Tax, VAT, and Financial Calculations), 9 (No Warranty), 10 (Limitation of Liability), 11 (Your Responsibilities), 12 (Indemnification), and 15 (General Provisions) survive termination.
Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, severed from these Terms. The remaining provisions shall continue in full force and effect.
Entire agreement. These Terms, together with the License Agreement and the Privacy Policy, constitute the entire agreement between you and Uncle Mini regarding the Service and supersede all prior or contemporaneous understandings, communications, representations, or agreements (whether oral or written). You have not relied on any statement or representation made by Uncle Mini that is not contained in these Terms.
Waiver. No failure or delay by Uncle Mini in exercising any right under these Terms operates as a waiver of that right, and no single or partial exercise of any right precludes any other or further exercise of that right or any other right.
Assignment. You may not assign or transfer these Terms or your license, in whole or in part, without Uncle Mini's prior written consent, except that you may assign these Terms to a successor in connection with a merger, acquisition, or sale of substantially all your business or assets, provided you give Uncle Mini written notice. Uncle Mini may assign these Terms and the rights granted under them freely.
Force majeure. Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, war, terrorism, civil unrest, pandemic, government action, internet or utility outages, or failures of third-party services or infrastructure on which the Service depends.
Notices. Notices to Uncle Mini under these Terms must be sent to support@unclemini.com. Notices to you may be sent to the email address associated with your purchase or, where no such address is available, by posting on unclemini.com.
Export controls and sanctions. You represent that you are not located in, and will not use the Service from, a country or territory subject to a comprehensive trade embargo by the United States, the European Union, or the United Kingdom, and that you are not a person or entity on any restricted-party, denied-party, or sanctions list maintained by those jurisdictions. You may not use, export, or re-export the Service in violation of applicable export-control or sanctions laws.
Headings. Headings in these Terms are for convenience only and do not affect interpretation.
Electronic communications. You consent to receive communications from Uncle Mini in electronic form (email and on-site notices). Electronic communications satisfy any legal requirement that such communications be in writing or be signed.
Informal dispute resolution. Before commencing any formal proceeding, the parties shall attempt in good faith to resolve any dispute by contacting support@unclemini.com with a written description of the dispute and the relief sought. The parties shall negotiate in good faith for at least 30 days before either party commences formal proceedings. This requirement does not apply to claims that require urgent injunctive relief.
No professional relationship. Nothing in these Terms creates a professional-services relationship, employment, agency, partnership, joint venture, or fiduciary relationship between you and Uncle Mini.
Independent contractors. The parties are independent contractors. Neither party has authority to bind the other or make representations on the other's behalf.
These Terms are governed by the laws of Iceland, without regard to conflict-of-law principles. Any dispute that cannot be resolved through good-faith negotiation will be subject to the exclusive jurisdiction of the courts of Iceland.
Questions about these Terms can be sent to support@unclemini.com.