Terms of Service

Effective date: March 3, 2026

1. Acceptance of Terms

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

2. Description of Service

Wlth is a personal finance management tool that allows you to link bank accounts, track transactions, manage budgets, monitor net worth, and set financial goals. The Service is provided free of charge.

3. Not Financial Advice

Wlth is not a financial advisor. The Service provides tools to help you organize and visualize your financial data. Nothing in the Service constitutes financial, investment, tax, or legal advice. You should consult qualified professionals for financial decisions.

4. Account Responsibilities

You are responsible for:

• Maintaining the security of your account credentials
• All activity that occurs under your account
• Ensuring your contact information is accurate and up to date
• Enabling two-factor authentication for additional security (recommended)

5. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the Service or its infrastructure
• Create multiple accounts for abusive purposes
• Reverse engineer, decompile, or attempt to extract the source code of the Service

6. Third-Party Services

The Service integrates with third-party providers (such as Teller for bank account connectivity). Your use of these third-party services is subject to their respective terms and policies. We are not responsible for the practices or availability of third-party services.

7. Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.

8. Service Availability

We strive to keep the Service available at all times, but we do not guarantee uninterrupted or error-free operation. We may modify, suspend, or discontinue the Service at any time without prior notice.

9. Limitation of Liability

To the fullest extent permitted by law, Wlth and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service. This includes, but is not limited to, damages for loss of profits, data, or other intangible losses.

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied.

10. Account Termination

You may delete your account at any time from your Profile page. We reserve the right to suspend or terminate accounts that violate these terms or are used in a manner that may cause harm to the Service or other users.

11. Changes to These Terms

We may update these Terms of Service from time to time. Continued use of the Service after changes are posted constitutes acceptance of the revised terms. We will notify registered users of material changes via email or a notice within the application.

12. Contact

If you have questions about these Terms of Service, please contact us at [your-email@example.com].