Terms of Use — Wallet Plan

These Terms of Use govern your access to and use of Wallet Plan (the “app”). By downloading, creating an account for, or using the app, you agree to these terms.

1. The Service

Wallet Plan is a personal and family budgeting tool that helps you record and organize financial information, including accounts, transactions, budgets, savings goals, and subscriptions. The app is provided for informational and organizational purposes only.

Wallet Plan is not a bank, lender, broker, investment adviser, tax adviser, or financial planner. Nothing in the app is financial, investment, legal, or tax advice. You remain responsible for your financial decisions.

2. Eligibility and Your Account

You must be at least 13 years old to use Wallet Plan. You are responsible for providing accurate account information, keeping your login credentials secure, and for activity that occurs through your account.

Tell us promptly if you believe your account has been accessed without authorization. We may require you to verify your identity before helping with account-access requests.

3. Your Data and Family Features

You retain responsibility for the information you enter into the app. When you create or join a family group, you choose to share the information in shared accounts and transactions with other members of that group. Your name and email address may also be visible to those members.

Do not add information that you do not have the right to share. Family administrators are responsible for managing invitations and membership in their groups.

4. Acceptable Use

You agree not to misuse the app. In particular, you must not:

• use the app unlawfully or in a way that harms other people;
• attempt to gain unauthorized access to the app, accounts, or systems;
• interfere with the app’s operation, security, or availability;
• reverse engineer, copy, or exploit the app except where applicable law permits it; or
• use the app to store or share unlawful, infringing, or harmful content.

5. Premium Features and Purchases

Some features of Wallet Plan require a paid auto-renewable subscription. Available subscription plans, billing periods, and prices are displayed in the app before purchase.

For purchases made through the Apple App Store, payment will be charged to your Apple Account upon confirmation of purchase. Your subscription automatically renews unless it is canceled before the end of the current subscription period. You can manage or cancel your subscription in your Apple Account subscription settings.

For purchases made through Google Play, payment, renewal, cancellation, and subscription management are handled through your Google Play account and are subject to Google Play’s applicable terms and policies.

We do not receive or store your full payment-card details.

6. Availability and Changes

We work to keep Wallet Plan available and reliable, but we do not guarantee that it will always be uninterrupted, error-free, or available on every device. We may update, modify, suspend, or discontinue features when reasonably necessary, including for security, maintenance, or legal reasons.

7. Intellectual Property

Wallet Plan and its content, design, software, and branding are protected by applicable intellectual-property laws. We grant you a limited, personal, non-transferable, revocable right to use the app in accordance with these terms.

8. Disclaimer and Limitation of Liability

The app is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim warranties that are not expressly stated in these terms.

To the fullest extent permitted by law, Wallet Plan will not be liable for indirect, incidental, special, consequential, or punitive damages, or for financial losses resulting from your use of or inability to use the app. This does not limit liability that cannot be limited under applicable law.

9. Termination

You may stop using the app at any time and may delete your account from the app’s settings. We may suspend or end access where we reasonably believe these terms have been violated, the app is being misused, or doing so is required to protect users or comply with law.

10. Privacy

Our collection and use of personal information is described in our Privacy Policy. By using the app, you acknowledge that you have read it.

11. Changes to These Terms

We may update these terms from time to time. We will post the updated version here and revise the “Last updated” date. Your continued use of Wallet Plan after the effective date of an update means that you accept the revised terms.

12. Contact Us

If you have questions about these Terms of Use, please contact us at walletplan.app@gmail.com.