Terms & conditions

Issue date: January 27, 2023

Company Information

ROOV is an application for various platforms, developed and offered to clients (“User(s)”) by Augias Corp NV (“Provider”).

Augias Corp is a limited liability company, registered in the RLE (Ghent) under the number 0670.959.094, with registered office at Belgium, Deurle 9831, Xavier De Cocklaan 70/1.

ROOV is an application to manage User’s financial household by offering a.o. the following features: budget your income and expenses, digital archive of all your documents, digital marketplace, bank account information,… whether or not in the context of debt mediation, financial management, budget counselling or (social) renting (“ROOV application”).

All communications and notifications can be sent to customercare@roov.app.

Applicable Terms and Conditions

The legal relationship between Provider and User is governed by these terms and conditions (“Terms and Conditions”). To the extent a certain issue has not been addressed in the Terms and Conditions, the applicable law, or in the absence thereof, the generally accepted practices in similar industries will apply.

The use of the ROOV application by the Users and all services provided through it by Provider is subject to the Terms and Conditions, which upon acceptance, form a legally binding agreement between User and the Provider (“Agreement”).

After downloading the ROOV application, the User has to accept the Terms and Conditions before passing through the registration process. The Terms and Conditions are always available on the website (www.roov.app) or in the ROOV application and Users have the right to request them to be sent by e-mail in the form of a PDF file. The User may not accept the Terms and Conditions unless he/she is at least 15 years old and has sufficient legal capacity to enter into a contract. If User is younger than 18 years, he/she must have parent’s or legal guardian's permission to accept the Terms and Conditions and use ROOV application.

The User agrees that all communications are sent by email or in another electronic way.

Provider reserves the right to modify the Terms and Conditions at its sole discretion. Users will be notified about the modifications and the modified Terms and Conditions will enter into force 2 months after this notification. By continued use of ROOV, User expresses his/her acceptance of the changes. If User does not agree with the changes, he/she may terminate the agreement by sending a written notification to Provider. Release of an updated version of ROOV application may precede the effective date of the updated Terms and Conditions for the existing Users. Users may be required to accept the updated Terms and Conditions in order to be able to use all features of the updated version of the ROOV application.

Term and Termination

The Agreement will remain in full force and effect until terminated by either User or Provider. User may terminate the Agreement at any time and for any reason by sending a written notice to the Provider and deleting the ROOV application. Provider may terminate the Agreement upon written notice at any time and for any reason with a notification period of 2 months. Provider may terminate the Agreement with immediate effect in case of violation of the Terms and Conditions by the User, in case Provider is legally obliged to do so or if Provider no longer offers ROOV application.

Termination of the Agreement always includes deletion of the User account as of the effective date.

Paid Features are subscribed for a certain term. In case of written notification of termination of the Paid Features, the termination takes effect after the last day of the subscription term and ROOV will be downgraded. There is no refund of the Paid Features. In absence of a written notification of termination by the User prior to the end of the term, the subscription is tacitly renewed for the same term.

Registration and Use

Prior to any use of ROOV application, the User has to pass through a registration process. User can register with his/her email, Apple ID, Facebook or Google account. User agrees to provide only accurate and truthful information and keep it up to date. User must keep login information to ROOV application confidential and secure and may not share it with anyone.

In the context of debt mediation, financial management, budget counselling or (social) renting, the User shall enter the code received from the mediator, budget manager or guardian in order to link the sub-account to the User’s account in the ROOV application. In addition, the User can connect his/her own bank account to the ROOV application and share his/her bank account with the mediator, budget manager or guardian if he/she so wishes. The User then has the choice of whether to share his/her bank transactions and balance with the mediator, budget manager or guardian.

In the context of debt mediation, by entering the code received from the mediator, the User agrees that the mediator will charge the respective costs to the User on a yearly basis, whereby the User expressly mandates the mediator to pay such charges through the account that is overseen by the mediator.

User is solely responsible and liable for any and all activities that occur under his/her account.

The Provider reserves the right to refuse a registration or suspend the use of ROOV application for a User at any time.

ROOV application can solely be used in accordance with the Terms and Conditions, for the purpose it was intended and by obeying with all of the applicable laws and possibly terms and conditions of third parties.

User Content

User may enter and upload to ROOV application all documents related to his/her financial household administration (invoices, certificates of guarantee, contractual documents, insurance policies,…). ROOV application retrieves the information from the uploaded documents to allow the proper use of the features of the ROOV application.

Provider has no responsibility for the accuracy of the content you provided to ROOV application or synchronized with it or which was created by ROOV based on User’s input.

User is solely responsible for backing up the content entered or uploaded to ROOV application or synchronized with it.

No Professional Advice

Based on User content, ROOV application may provide User with personalized advice relating to financial health (such as measures and analyses of various financial indicators) or commercial offers.

User hereby acknowledges and agrees that such advice, reports or commercial offers do not constitute professional financial, tax, accounting, investment or any other professional advice and Provider makes no representations or warranties of any kind related thereto. In no event shall Provider be liable for any damages caused to User or a third person arising out of User’s use of such financial advice or commercial offers.

The User will receive notifications about his/her financial situation. He/she can also download a monthly, yearly or quarterly report of statistics in the ROOV application. Provider shall not be liable for any damages resulting from the notifications, the incorrect, inaccurate, outdated or incomplete content of reports or any other information provided by the ROOV application.

License and Ownership

ROOV application and all rights therein, including intellectual property rights, shall remain Provider's property or the property of its licensors. Nothing in the Terms and Conditions shall be construed to grant User any rights, except for the limited right of use as mentioned below.

Subject to the Terms and Conditions, Provider grants User a limited, non-exclusive, non-transferrable, non-sublicensable license, to access and use ROOV application and its Paid features purchased pursuant to the Terms and Conditions on any same-platform device that you own and control. The license is granted solely for User’s personal, non-commercial use. Therefore, User may not rent, lease, lend, sell, transfer, redistribute, or sublicense the ROOV application. Third-party services included in ROOV application are licensed to User either under these Terms and Conditions, or under the third party's license terms, if applicable.

User may not access ROOV with other means than the official application or circumvent any technology used to protect ROOV application.

Maintenance and Support

ROOV application is subject to a continuous development and Provider reserves the right, at its sole discretion, to update the ROOV application, change the nature of ROOV application or modify or discontinue some of the features without prior notice to Users.

User acknowledges that Provider has no obligation to maintain or update ROOV.

ROOV or integrated third-party services may be temporarily unavailable due to the maintenance, certain technical difficulties, or other events that are beyond Provider's control. Provider is not liable for any malfunctions, interruptions, failures, system errors or any other events beyond her reasonable control that would render the services offered on the ROOV application inaccessible or disrupt them.

Paid Features

The free version of the ROOV application allows Users to use only the basic features of ROOV application. User can unlock Paid features by upgrading with Paid Features. In the context of debt mediation, financial management or budget counselling, the User may have to cover the application usage costs. Provider does not guarantee that ROOV application will always be free and reserves the right, at its sole discretion, to change the pricing at any time.

Detailed information about the prices and the features are available on the website www.roov.app.

Downloading or using ROOV may incur additional costs for the Internet connection according to the standard rates of the internet service provider. User shall bear all costs relating thereto.

Payments and Refunds

User can subscribe to the Paid Features by upgrading his/her subscription in the ROOV application. By confirming the purchase in the ROOV application, the contractual performance for the Paid Features starts immediately and User acknowledges that consequently he/she loses his right of withdrawal.

Payment is due and payable immediately upon completion of the purchasing process and can be made by the payment methods as indicated in the purchasing process. Performance starts immediately after a successful payment transaction through electronic means by unlocking Paid features in ROOV application of the User.

In case of a tacit renewal of a subscription term, the price will be charged on the first day of the new term.

There are no refunds for the Paid Features.


Provider may offer Paid Features with a specified trial period without payment. However, User is required to provide his/her payment details to start such trial. If no notification of termination is received from the User before the end of the trial, the payable subscription term will start on the first day following the end of the trial period and the payment will be processed. By starting the subscription with trial period and providing payment details User agrees with possible future charges for the subscription after the trial period.

Personal Data Processing

Upon registration and downloading of the ROOV application and while using the services, Provider processes personal data of the User.

Further details regarding personal data processing can be found in the Privacy Policy, which is available in the application or on the website.

Warranties and Limitation of Liability

The downloading of ROOV application is made on the sole responsibility of the User and Provider cannot be held liable for any damages to the devices of the User. Provider is neither liable for any damages resulting from the use of ROOV application.

ROOV application is offered “as is” and “as available” without any express warranties or representations whatsoever in relation to the accessibility, the accuracy or the functionality. Provider is not liable for damage resulting from shortcomings or technical failures, except to the extent that such failure has been caused by deliberate recklessness or gross negligence on the part of Provider.

To the fullest extent permitted by law and without any prejudice to any other limitations of liability as stated in the Terms and Conditions, Provider shall not be liable for any indirect damages or loss suffered by the User or third parties.


User agrees to indemnify and hold Provider, its directors, officers, employees and other representatives, harmless from any and all third-party claims arising out of User’s use of ROOV and integrated third-party services, including any liability or expenses arising from any claims, direct or indirect damages, lost profits, suits, judgments, litigation costs and attorneys' fees.

Third-party Services

ROOV or its parts may integrate or otherwise include third-party services or content. User acknowledges that also other terms and conditions may apply to his/her use of such third-party services (including privacy policies) and that Provider does not guarantee availability of such services and content. User must agree and comply with any applicable third-party terms when using ROOV application. The mere fact that ROOV integrates or otherwise includes third-party services or content does not constitute an endorsement of ROOV by respective third parties.

Governing Law and Disputes

Unless otherwise required by a mandatory law of any jurisdiction, the Terms and Conditions and any dispute or claim arising out of or in connection with them or their subject matter or formation shall be governed by the laws of Belgium. All court disputes shall be referred to the courts having substantive and local jurisdiction based on the address of the registered office of Provider.

These Terms & Conditions are available in Dutch, French and English-language versions. In the event of a discrepancy among the different versions or of a dispute, the English version shall be the deciding version.


If any provision of the Terms is held invalid or unenforceable to any extent, such invalidity or unenforceability shall not in any manner affect or render invalid or unenforceable other provisions of the Terms and Conditions. The provision shall be enforced to the fullest extent permitted by law or deemed replaced by a provision that is valid and enforceable and that comes closest to the original intent and purpose.

Complaints and Contact Information

Any questions, complaints or notifications with respect to ROOV application can be sent to customercare@roov.app.

In case the User is not satisfied with the response of Provider, he/she can always send a complaint to Ombudsfin – North Gate II, Koning Albert II-laan 8, bus 2, 1000 Brussels or ombudsman@ombudsfin.be.