1. Acceptance of Terms

By accessing or using Where Money ("the Service"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, you may not access or use the Service.

These Terms constitute a legally binding agreement between you and the service provider. Please read these Terms carefully before using the Service.

2. Service description

Where Money is a personal finance management application that allows users to:

• Track income, expenses, and transfers across multiple wallets
• Manage debt, loans, and savings goals
• Track investments (stocks, gold savings, and similar assets)
• Track subscriptions and recurring payments
• Create financial reports and analytics
• Plan and budget for future expenses

3. User account

3.1 Account creation

• You must be at least 18 years old to create an account.
• You must provide accurate, current, and complete information during registration.
• You are responsible for maintaining the confidentiality of your account information.
• You must notify us immediately of any unauthorized access to your account.

3.2 Account security

• You are fully responsible for all activities that occur under your account.
• You must use a strong, unique password and keep it confidential.
• You should enable additional security features (for example, PIN or WebAuthn) when available.
• We are not liable for any loss or damage arising from unauthorized access to your account.

3.3 Account termination

• You may delete your account at any time through the app settings.
• We reserve the right to suspend or terminate accounts that violate these Terms.
• Upon termination, your access to the Service will be revoked immediately.
• Data deletion will be processed in accordance with our Privacy Policy.

4. Acceptable use

You agree not to:

• Use the Service for any illegal or unauthorized purpose.
• Violate any laws, regulations, or third‑party rights.
• Attempt to access the Service or other users' accounts without authorization.
• Interfere with or disrupt the Service, servers, or networks.
• Transmit viruses, malware, or any harmful code.
• Use automated systems (bots, scrapers) to access the Service without permission.
• Reverse engineer, decompile, or disassemble any part of the Service.
• Use the Service to collect or distribute illegal or harmful content.
• Impersonate any person or entity.
• Collect or harvest data about other users without their consent.

5. Subscriptions and payment

5.1 Subscription plans

• The Service may offer multiple subscription tiers (for example, Free, Basic, Pro, Premium).
• Features and subscription limits are detailed on the pricing page inside the app or website.
• We reserve the right to modify subscription plans, features, or pricing with reasonable notice.

5.2 Payment terms

• Subscriptions are billed in advance on a monthly or annual basis, depending on your choice.
• Payments are processed through secure third‑party payment processors.
• All fees are non‑refundable except as required by law or as stated in our refund policy.
• You are responsible for any taxes applicable to your subscription.

5.3 Cancellation

• You may cancel your subscription at any time through the app settings.
• Cancellation takes effect at the end of the current billing period.
• You will retain access to paid features until the end of the billing period.
• No refunds are provided for partial billing periods unless required by law.

6. Intellectual property

6.1 Service ownership

The Service, including its content, features, design, and software, is owned by us and protected by copyright, trademark, and other intellectual property laws.

6.2 User content

• You retain ownership of all data and content you upload or create using the Service.
• By using the Service, you grant us a limited license to store, process, and display your content as necessary to operate and improve the Service.
• You are responsible for ensuring you have the right to upload any content you provide.

7. Service availability

• We strive to maintain high availability but do not guarantee uninterrupted or error‑free service.
• The Service may be temporarily unavailable due to maintenance, updates, or unforeseen issues.
• We reserve the right to modify, suspend, or discontinue any part of the Service at any time.
• We are not liable for any loss or inconvenience arising from Service unavailability.

8. Data accuracy and responsibility

• You are fully responsible for the accuracy of all financial data you enter into the Service.
• We do not verify or guarantee the accuracy of user‑provided data.
• You should back up your data regularly and verify its accuracy.
• We are not responsible for any financial decisions made based on data in the Service.
• The Service is a tool for tracking and analysis and does not constitute financial advice.

9. Limitation of liability

To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, either express or implied.

• We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non‑infringement.
• We are not liable for any indirect, incidental, special, consequential, or punitive damages.
• Our total liability shall not exceed the amount you paid for the Service in the 12 months before the claim.
• We are not liable for any financial loss arising from use of the Service.
• We are not liable for data loss, damage, or unauthorized access beyond our reasonable control.

10. Indemnification

You agree to indemnify, defend, and hold harmless the service provider, its officers, directors, employees, and representatives from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from:

• Your use of the Service.
• Your violation of these Terms.
• Your violation of any third‑party rights.
• Any content you submit or transmit through the Service.

11. Third‑party services

The Service may integrate with or link to third‑party services (for example, Google OAuth or payment processors). These services have their own terms and privacy policies. We are not responsible for:

• The availability, accuracy, or content of third‑party services.
• Any transactions between you and third‑party providers.
• Any loss or damage arising from your use of third‑party services.

12. Changes to these Terms

We reserve the right to modify these Terms at any time. When we do, we will:

• Publish updated Terms on this page.
• Update the "Last updated" date at the top of this page.
• Send in‑app notifications for material changes where appropriate.

Your continued use of the Service after changes are published constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service and delete your account.

13. Governing law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which the service provider operates, without regard to conflict‑of‑law principles.

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration or in the courts of that jurisdiction, as applicable.

14. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or removed to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

15. Entire agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings.

16. Contact

If you have questions about these Terms, please contact us through the app settings or via the contact methods provided in the Service.