Terms of Service

1. Acceptance of Terms

By registering for an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms, together with any policies referenced herein (including our Privacy Policy). If you are using the Service on behalf of an organization, you represent and warrant that you have authority to bind that organization to these Terms.

You must be at least 18 years of age, or the age of majority in your jurisdiction, to use the Service. By using the Service, you represent and warrant that you meet this requirement.

2. Description of Service

WealthMgr is a personal finance management application that helps you track accounts, transactions, budgets, goals, and other financial data. The Service is offered in the following tiers:

• Free tier — Full-featured local-only access. Your financial data is stored exclusively in your browser using an embedded SQLite database. No data is transmitted to cloud storage. Suitable for single-device use.
• Starter tier ($7/month) — Adds encrypted cloud synchronization of your local database, enabling access across multiple devices.
• Growth tier ($15/month) — Includes all Starter features with increased resource limits (instruments, pockets, and other tier-gated features).
• Enterprise tier ($30/month) — Includes all Growth features with the highest resource limits available to individual subscribers.

Paid tiers are available with monthly or annual billing options. Annual billing is charged as a single upfront payment for a twelve-month term and may include a discount compared to monthly billing. Specific features, limits, and pricing for each tier are described on the Billing page within the application and are incorporated by reference.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Service.

3. User Accounts and Security

To use certain features of the Service, you must create an account. When you register, you agree to provide accurate, current, and complete information, and to keep such information updated. You are responsible for safeguarding the credentials used to access the Service (including passkeys, passwords, and any two-factor authentication methods) and for all activities that occur under your account.

You must notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with these security obligations.

You may request deletion of your account at any time through the Account Settings page. Upon deletion, your account and associated metadata will be removed in accordance with our data retention practices. Note that data stored exclusively in your local browser database is under your control and is not deleted by account deletion on our servers.

4. Payments and Billing

Paid subscriptions are processed through our merchant of record, Paddle.com. By subscribing to a paid tier, you agree to Paddle's terms of service in addition to these Terms. Paddle is the entity that appears on your payment statement and handles all payment processing, invoicing, and tax collection.

All fees are stated in United States Dollars (USD) unless otherwise indicated. You agree to pay all applicable fees for the tier you select, and you authorize us and Paddle to charge your selected payment method:

• Monthly billing — Charged on the same date each month for as long as your subscription remains active.
• Annual billing — Charged once upfront for a twelve-month term, then automatically renewed for successive twelve-month terms unless cancelled.

Upgrades and downgrades. You may change your subscription tier at any time from the Billing page. Upgrades take effect immediately and you will be charged a prorated amount for the remainder of the current billing period. Downgrades take effect at the end of the current billing period.

Cancellation. You may cancel your subscription at any time. Cancellation takes effect at the end of the current billing period, and you will retain access to paid features until that time. No partial refunds are issued for unused time in a billing period, except as required by applicable law.

Refunds. Except as required by applicable law, all payments are final and non-refundable. If you believe a charge was made in error, please contact us promptly.

Failed payments. If a payment is not successfully settled, we will attempt to collect payment again. If payment cannot be collected, we may suspend your paid-tier access and revert your account to the Free tier. We will provide reasonable notice before taking such action.

Taxes. Fees do not include any taxes, unless required by law. Paddle will collect and remit applicable taxes on our behalf.

5. User Responsibilities

You are solely responsible for the financial and other data you enter into the Service ("User Data"). You represent and warrant that:

• You have the right to enter and store User Data in the Service.
• Your User Data does not infringe the rights of any third party.
• You will use the Service only for lawful purposes and in compliance with all applicable laws, regulations, and export controls.
• You will not use the Service to store, transmit, or process any data that is prohibited by law or that would subject us or our service providers to additional regulatory obligations.

WealthMgr is a personal finance tool and does not provide financial, investment, tax, or legal advice. Any calculations, projections, or recommendations generated by the Service are for informational purposes only and should not be construed as professional advice. You should consult qualified professionals before making financial decisions.

You are responsible for maintaining backups of your data. While paid tiers include cloud synchronization, you acknowledge that no system is infallible, and we do not guarantee that your data will be available at all times or immune from loss.

6. Intellectual Property

The Service, including its design, layout, look, feel, source code, and underlying software, is owned by WealthMgr SAS or its licensors and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of the Service without our prior written consent.

As between you and WealthMgr SAS, you retain all rights in your User Data. By using the Service, you grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, transmit, and process your User Data solely to the extent necessary to provide the Service to you. This license ends when you delete your User Data or your account, subject to reasonable retention periods for backup and legal compliance.

The name "WealthMgr", the WealthMgr logo, and related marks are trademarks of WealthMgr SAS. You may not use these marks without our prior written permission.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT DATA STORED IN OR TRANSMITTED BY THE SERVICE WILL BE ACCURATE, COMPLETE, OR PRESERVED WITHOUT LOSS; OR THAT ANY DEFECTS WILL BE CORRECTED.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF IMPLIED WARRANTIES, SO THE FOREGOING DISCLAIMER MAY NOT APPLY TO YOU IN FULL.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHMGR, ITS AFFILIATES, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR MULTIPLE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE).

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100), OR (B) THE TOTAL AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU IN FULL.

9. Termination

You may terminate your account at any time by deleting your account through the Account Settings page, or by ceasing all use of the Service and, if applicable, cancelling any paid subscription.

We may suspend or terminate your access to the Service, in whole or in part, immediately and without prior notice if: (a) you materially breach these Terms and fail to cure such breach within ten (10) days of receiving written notice; (b) you use the Service in a manner that violates applicable law or harms the rights of others; (c) you attempt to interfere with, compromise, or disrupt the Service or its underlying infrastructure; or (d) we are required to do so for legal or regulatory reasons.

Upon termination, your right to access and use the Service will immediately cease. All provisions of these Terms that by their nature should survive termination shall survive, including ownership, disclaimers, limitations of liability, and governing law provisions.

10. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Oriental Republic of Uruguay, without regard to conflict-of-law principles. Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be submitted to the exclusive jurisdiction of the courts of the City of Montevideo, Uruguay, and you consent to the personal jurisdiction of those courts.

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid provision will be replaced with one that most closely reflects the original intent.

11. Changes to These Terms

We reserve the right to update or modify these Terms at any time. When we make material changes, we will notify you by posting the updated Terms on the Service and updating the "Last updated" date at the top of this page. For material changes, we will also provide notice through the application or by email to the address associated with your account, at least fourteen (14) days before the changes take effect.

Your continued use of the Service after the effective date of any revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and cancel your account.

12. Contact Information

If you have any questions, concerns, or notices regarding these Terms or the Service, please contact us at: