Terms of Service

"Wealthly," "we," "us," and "our" refer to the operators of the Wealthly app and the trywealthly.com website. "You" refers to the person using the service. "Service" means the Wealthly iOS app, the Wealthly web app, and any related features or content.

To use most features you need an account. You agree to provide an accurate email address, keep your credentials secure, and be responsible for everything that happens under your account. Tell us right away if you suspect unauthorized access.

You must be at least 13 years old (or 16 in the EEA) to create an account. If you're creating an account on behalf of an organization, you represent that you have authority to bind that organization to these terms.

Wealthly is a personal-finance tracking tool, not financial advice. The prices, projections, calculations, and summaries shown in the app — including portfolio value, gain/loss, dividend forecasts, and net worth figures — are estimates based on information you provide and on public market data sourced from third parties.

Nothing in the service is a recommendation to buy, sell, or hold any security, and Wealthly does not offer investment, tax, legal, or accounting advice. You're solely responsible for your financial decisions. For advice about your specific situation, consult a qualified professional.

Quotes, historical prices, dividend schedules, and related market information are provided by third-party data vendors. Market data may be delayed, incomplete, or inaccurate, and we can't guarantee that any value shown in the app reflects what you'd actually receive if you executed a trade. Don't use Wealthly as the sole source of truth for time-sensitive trading decisions.

You retain ownership of the content you put into Wealthly — accounts, transactions, holdings, budget goals, notes. You grant us a limited, non-exclusive license to store, process, and display that content for the purpose of running the service for you (including syncing across your devices).

You represent that you have the right to enter the content you upload and that it doesn't violate anyone else's rights or any law.

You agree not to:

• Use the service for anything illegal, fraudulent, or harmful.
• Attempt to gain unauthorized access to another account, the underlying infrastructure, or another user's data.
• Probe, scan, or test the vulnerability of the service without our prior written permission.
• Scrape, bulk-export, or otherwise extract data from the service beyond what our standard interfaces provide.
• Interfere with or disrupt the service, for example by sending excessive traffic or introducing malicious code.
• Resell, sublicense, or commercialize the service without our prior written agreement.

Wealthly offers free features alongside paid Pro features. Pro subscriptions are currently sold through Apple's App Store and are billed to your Apple ID according to Apple's terms. You can manage or cancel your subscription in your Apple ID settings; cancellation takes effect at the end of the current billing period.

We may introduce, change, or remove paid features over time. Where we materially change what's included in a paid tier, we'll give you reasonable notice.

We're a small team. We may add, remove, or change features at any time. We aim to keep the service running reliably, but we don't promise uninterrupted availability, error-free functionality, or permanent access to any specific feature.

You can stop using Wealthly at any time by deleting your account in Settings. We may suspend or terminate your account if you violate these terms, if required by law, or if we discontinue the service. Where reasonable, we'll provide notice and an opportunity to export your data.

The service is provided "as is" and "as available," without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. You use the service at your own risk.

To the fullest extent permitted by law, Wealthly will not be liable for any indirect, incidental, special, consequential, or punitive damages — including lost profits, lost data, or lost opportunity — arising from your use of, or inability to use, the service. Our total aggregate liability for any claim arising from or related to these terms will not exceed the greater of (a) the amount you paid Wealthly in the twelve months before the claim arose, or (b) one hundred U.S. dollars.

You agree to defend and indemnify Wealthly from any third-party claim arising out of your violation of these terms, your violation of any law, or your misuse of the service.

These terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. Any dispute will be resolved exclusively in the state or federal courts located in Texas, and you consent to personal jurisdiction there.

We may update these terms from time to time. When we make material changes we'll update the "Last updated" date above and, for significant changes, provide advance notice by email or an in-app notice. Continued use of the service after changes take effect constitutes acceptance of the revised terms.

Questions about these terms? Email support@trywealthly.com.