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Terms of Use

Last updated: August 18, 2026

These terms are the agreement between you and the operator of Prosperiu, written as plainly as the subject allows. They cover the application, Sapir, the assistant inside it, including when she is installed on a phone as a separate app, and everything sent from them. Using the service means accepting them.

1.Who operates the service

Prosperiu is operated by AfikCraft, a business owned by Afik Ben Bocher, Israeli sole trader (עוסק פטור), business ID 324159268. The service covers the application atprosperiu.com, Sapir, the assistant inside it, including when she is installed on a phone as a separate app, and the messages and notifications sent from them.

Full contact details are in section 20. For any question about these terms, write to info@afikcraft.com.

2.Acceptance of these terms

  • Opening an account, or using the service in any way, means you accept these terms in full. If you do not accept them, please do not use the service.
  • Registration asks you to accept three documents separately, each with its own checkbox: the Terms of Use, the Privacy Policy and the Accessibility Statement. Ticking all three is a condition of completing the registration, and an account cannot be opened without it. Ticking one states that you have read it. Each acceptance is recorded with the moment it was ticked and with the version number of the documents that were on screen at that moment, so what exactly was agreed to stays clear.
  • Updates to the documents are handled as section 18 sets out: a material change is brought to users' attention in advance, and continued use of the service after the update means acceptance of the new version.
  • Accepting the Privacy Policy covers, among other things, three points worth knowing before you tick: a message to Sapir is handled by an outside language model provider and its content is visible to it, data is processed and stored outside Israel, and absolute security does not exist in any system. The detail is in section 5, section 14 and section 16 of the Privacy Policy.
  • The service is meant for personal use, by an individual or a household. It is not offered as bookkeeping software for a business and does not replace one.
  • By opening an account you confirm that you are at least 18 years old, or that you act with the approval of your guardian.
  • If any clause here is found unenforceable, the remaining clauses stay in force.

3.Free during testing

The service is currently open to everyone at no charge, as part of a testing period. There is no subscription, no automatic billing and no field for card details anywhere in the app.

  • A testing period means the product changes. Capabilities are added, altered or removed, and faults are possible.
  • The absence of a price today is not a promise of any future price, and not a commitment that the service will stay free.
  • If a price is ever set, nothing will be charged without advance notice and your explicit consent. Anyone who does not agree can simply stop using it.
  • Nothing here commits the operator to keep the service running for any given period.

4.What the service is

Prosperiu is a tool for recording, organising and presenting personal financial information: accounts, transactions, categories, budgets, goals, loans and mortgages, property, holdings and subscriptions.

  • The service is not advice, financial, investment, tax or legal, and it is no substitute for a licensed professional.
  • The operator is not a broker, not a bank, not a regulated financial body and not a portfolio manager. No purchase, sale or movement of real money happens in the app.
  • Every figure on screen, including balances, totals, projections, charts and alerts, is derived from what you or Sapir recorded. A wrong entry produces a wrong picture.
  • A transfer between accounts inside the app is a bookkeeping entry only. No money actually moves in the world.

5.No bank connection

Prosperiu does not connect to a bank, a card issuer or any financial institution, does not scrape websites, and does not pull data from anyone's account.

  • We will never ask for a username, password, code or any other means of access to your bank account. Any such request made in the name of Prosperiu is an impersonation attempt and should be reported to us at once.
  • In practice this means nothing records itself. Every line exists because you entered it, or asked Sapir to enter it.

6.Accuracy of your data

  • The accuracy of every figure is yours: amounts, dates, categories, opening balances, loan terms and asset values.
  • Because there is no bank connection, compare the balances in the app against your real bank and card balances from time to time, and correct any gap.
  • Any financial decision taken on the basis of what the system displays is solely your own responsibility.
  • Do not enter another person's information without their consent.

7.Account and registration

Registration requires an email address, a password and a name. No phone number is required, and none is collected any more: Sapir works inside the app and recognises you by the signed in session, not by a number.

  • Keeping your password safe is your responsibility. Do not pass it on, and tell us about any suspected unauthorised use of the account.
  • Whoever opens the app on a device with a live session is inside the account, so protecting the device is part of protecting the cashflow. The automatic sign out after seven days without use is described in the privacy policy.
  • Accounts that linked phone numbers while registration still required one keep them, for a single job: continued delivery of the WhatsApp report until the move to the in app report is complete. The number management screens were removed, and a number is removed on request at the address in section 20.
  • If a number linked to your account leaves your control, a lost or stolen handset, a number passed to somebody else or returned to the carrier, tell us at once so it is removed and the report does not reach the wrong hands.

8.Sapir, the assistant in the app

Sapir is another way into the same account. On a computer she is part of the app itself, and on a phone she is installed as a separate app on the home screen, with the same sign in and the same account, showing only the chats and the reports. In both forms it is the same system, and these terms apply to her in full. She acts under the identity of whoever signed in, so she sees and does exactly what that user is allowed to, and no more.

With full permission Sapir may, within the account's own data:

  • record an expense or an income, edit an existing entry, delete an entry;
  • record a transfer between accounts belonging to the same user;
  • open and update records such as accounts, credit cards, loans, savings and investment accounts among them, recurring payments, budgets and goals;
  • read balances, totals and figures and answer about them;
  • explain the app's screens and how they are used.

And alongside that, a few things worth understanding before you use her:

  • Sapir does not touch your account settings. Profile, password, report preferences, notifications and cashflow sharing change only on the app's own screens. A single exception: if no form of address was ever chosen, and you chose one in answer to her question in the chat, that choice is saved as the account's default. A choice already made in settings is never overridden from the chat.
  • Sapir does not move real money, does not contact a bank, and does not act outside the data the account is allowed to reach.
  • Anyone holding a device with a live session can operate the cashflow through Sapir. That is one more reason to protect the device and keep the password to yourself.
  • Sapir interprets free language, so she can understand a request differently from how you meant it. After every action she replies with the figure as read back from the database, which is your chance to confirm the entry is right. A wrong action can be corrected or deleted, on the screens or by another message.
  • Sapir depends on a language model provider that is not under the operator's control. Her availability is not guaranteed, and she may change or stop.
  • The conversation with Sapir is stored in the system's database, and the person who runs the service can reach it, as the privacy policy sets out under operator access to data. Using Sapir is not a condition of using the app.

9.Sapir's report

  • Each user decides for themselves whether Sapir sends a report, how often (daily, weekly or monthly) and at what hour, Israel time.
  • The report arrives in the app's reports conversation, a read only thread that keeps the history. During the transition it is also sent over WhatsApp to numbers linked to the account in the past, until the move is complete. Turning the report off in settings stops it entirely, on both routes.
  • Whoever turned push notifications on for a device also receives the report, and Sapir's replies, as notifications, even while the app is closed. Turning them on is a choice, made per device, and can be undone at any moment. The detail is in section 17 of the Privacy Policy.
  • The report is a picture of the data that was recorded, not a recommendation to act.
  • Delivery depends on the infrastructure providers, on the WhatsApp route on WhatsApp itself, and for notifications on the browser makers' push services too, and we do not undertake that every report or notification will arrive on time.

10.Sharing a cashflow

You can share your cashflow with another user by their email address. The share takes effect only after the other side accepts the invitation.

  • View only: the invited person sees the data and can change nothing.
  • Full access: the invited person can also add, change and delete.
  • The permission also binds Sapir: under view only, every write request is refused.
  • Whoever receives access sees the financial data in the shared cashflow. Choosing whom to share with, and at which level, is entirely your responsibility, and the operator is not answerable for what the invited person does with it.
  • A share can be revoked at any time from the sharing screen. Revoking stops access from that moment, but does not erase what has already been seen, photographed or copied.

11.Market data

  • Exchange rates and prices for shares, funds, ETFs and digital currencies are pulled from external sources.
  • That data is indicative only. It may be delayed, partial or wrong, and it is not a trading quote.
  • Do not rely on it to buy, to sell or to make any other trading decision. A portfolio value shown in the app is an estimate, not a broker statement.
  • Security summaries produced with a language model are automatic condensations, may contain errors, and are not a recommendation.

12.Financial and investment information

The app and Sapir can display and organise the financial data you recorded, open and manage records of accounts, investment accounts and holdings among them, and give general information about financial and investment topics. The limits of that deserve to be said plainly:

  • All of it is bookkeeping inside the app. Opening an investment account in the app opens a record, not an account at a broker, and no security is bought or sold through it.
  • None of it is investment advice, investment marketing or a recommendation as those terms are defined in the Israeli Regulation of Investment Advice, Investment Marketing and Investment Portfolio Management Law, 5755 1995.
  • The operator holds no investment advice licence, and Sapir is not an investment adviser either.
  • General information stays general: it is not tailored to your situation, your needs or your personal circumstances, even when it answers a question you asked about yourself.
  • Every investment decision is yours alone. For advice fitted to you personally, the address is a licensed professional, not this app.
  • Sapir says this in the conversation itself, whenever the subject comes up.

13.Prohibited use

  • Using the service unlawfully, or to harm another person.
  • Attempting to reach another user's data, to bypass permissions, or to compromise the security of the system.
  • Placing automated load on the system, harvesting content from it, or using it as infrastructure for another product without prior written permission.
  • Entering a third party's information without their consent, or impersonating somebody else.

14.Availability

  • The operator aims for high availability but does not undertake that the service will be continuous, always reachable or free of faults.
  • There may be interruptions for maintenance or upgrades, and failures at infrastructure providers, at the WhatsApp gateway, at the language model provider, or at the market data sources.
  • The operator may change capabilities, add them and remove them, particularly during the testing period.
  • There is currently no button in the app that exports your data to a file. If you want a copy of your data, ask at the address in section 20 and you will receive it.

15.Limitation of liability

The service is provided AS IS and as available, without warranty of any kind, express or implied, including any warranty of availability, continuity, fitness for a particular purpose or accuracy of the data, all to the maximum extent the law allows.

  • Every figure in the system is derived from what was entered into it, as sections 4 and 6 set out, so its correctness depends on the correctness of what was entered. Use of the service is at your own responsibility and your own risk, in the knowledge of these limits.
  • The operator is not liable for direct, indirect, special or consequential damage, including lost profit, lost data or lost opportunity, arising from use of the service or from an inability to use it.
  • The operator is not liable for any decision, financial or otherwise, taken on the basis of a screen, a report, an alert or an answer from Sapir, or for its consequences. Sapir's answers are derived from what was recorded and are not advice, as section 12 sets out.
  • This covers, among others: a mistaken entry, a message misread by Sapir, delayed or erroneous market data, a report or alert that was not sent, and an outage at an infrastructure provider.
  • It also covers a security incident at the operator or at one of the infrastructure providers, including a break in by a third party, theft or a leak of data. Absolute security does not exist in any system, and section 14 of the Privacy Policy says so plainly. The operator does what can be done to prevent such an event and cannot guarantee it will not happen.
  • In any event the operator's total liability will not exceed the amount actually paid for the service in the twelve months preceding the event. During the testing period that amount is zero.
  • None of this limits a right that cannot be waived under applicable law. That includes liability for gross negligence or for a deliberate act, and duties the law places directly on the operator, such as under the Privacy Protection Law and under consumer protection law. This clause limits liability as far as the law allows, and no further.

16.Intellectual property and copyright

The code, the design, the screens, the texts and the graphics of Prosperiu are the work of AfikCraft (Afik Ben Bocher, Israeli sole trader (עוסק פטור), business ID 324159268). Copyright in them exists from the moment of creation by operation of law, with no registration and no notice, and this section does not create it. What it does is say plainly what may and may not be done with the product, so that it is not left to interpretation, and record who owns it and from when.

The name and the brand are not part of that paragraph. A product name is not a work that copyright subsists in, and the protection it carries comes from a different part of the law. That protection is set out next.

The name and the brand

The names Prosperiu and AfikCraft are not registered trademarks, and nothing here claims a registered mark. They carry the protection the law gives to a business name and its goodwill, to the extent such goodwill has actually been built up, which includes the rule against presenting another product or service as if it were ours.

What you are granted

You are granted a personal permission to use the service for the purpose it was built for: managing your own cashflow. That permission is not exclusive, cannot be transferred, lent or assigned to anyone else, and can be revoked. It is permission to use, and it conveys no right in the intellectual property itself.

What the permission does not cover

  • Copying, duplicating, distributing or publishing the product, parts of it, or its texts and design.
  • Reverse engineering, decompiling, or attempting to extract how the system works.
  • Scraping or otherwise harvesting content from the system automatically, or running tools that pull data from it in bulk.
  • Selling, renting, sub licensing, or any other commercial exploitation of the product.
  • Building a derivative or a competing product on the system, the code, the screens or their content.
  • Using the code, the design or the texts of the product as training material for a language model or any other model.

Two of these, harvesting content from the system automatically and using it as infrastructure for another product, also appear in section 13, from the angle of prohibited use. The rest of this list appears here only, and it describes the limits of the permission rather than a second list of offences.

Your data is yours

Everything you entered is yours. The transactions, the balances, the accounts, the categories and the notes you wrote are your financial records, not the operator’s. What the operator owns is the product, and that ownership does not reach a person’s money records. The operator does not sell the data, does not rent it, does not use it for advertising and does not use it as training material for models. That is an undertaking about what the operator itself does, not a promise made on anyone else’s behalf: a message to Sapir is handled by an outside language model provider, the transition period’s report passes through WhatsApp providers, and what each of them does with what passed through it is governed by its own policy. Who they are, what reaches them, what is actually done with the data and who can reach it, is all set out in the Privacy Policy.

Third party components

The product is also built on open source libraries written by others and distributed under their own licences. The operator claims no ownership of them, and this section does not apply to them: each such component is governed by its own licence.

What happens on infringement

Use that goes beyond the permission above stops being permitted use. In that case the operator may suspend or close the account, and may pursue the remedies the law provides to the owner of a copyright. Nothing here waives any right of yours, and nothing here is a threat: the consequence is what the law provides, and no more than that.

17.Closing an account

  • You may stop using the service at any time.
  • The settings screen can reset your financial data while keeping the account itself. Full deletion of the account and all of its data is done from the settings screen, after typing the account's email address as confirmation, and it is immediate and irreversible in the database. Encrypted backup files sent before the deletion are not removed automatically, and you can ask for them to be deleted at the address in section 20.
  • The operator may suspend or close an account in case of a breach of these terms, abuse, or activity that harms other users or the infrastructure.
  • If the service is discontinued, notice will be sent in advance to the account's email address, with reasonable time to obtain a copy of the data.

18.Changes to these terms

  • The operator may update these terms from time to time. The current version is published on this page with its revision date at the top.
  • A material change will be brought to users' attention in advance, before it takes effect, by email or by a notice inside the app.
  • Continued use after an update means acceptance of the new version.

19.Governing law

  • These terms are governed by the laws of the State of Israel alone.
  • Exclusive jurisdiction over any dispute arising from them rests with the competent courts in Israel.
  • The Hebrew text of these terms uses masculine grammatical forms for convenience only, and they apply to every person equally.
  • Where the Hebrew version and this translation differ, the Hebrew version prevails.

20.Contact

For a question about these terms, a request to delete an account, or anything else about the service:

We answer every message as soon as we can.