Terms of Service

1. Acceptance

Using Welfi means you accept these Terms and our Privacy Policy.

2. The service

Welfi is a personal finance app for tracking accounts, budgeting, multi-currency and asset tracking, reporting, and an educational AI assistant that helps you understand your own financial data.

3. Not financial advice

Welfi, including its AI assistant, provides general educational information only. It does not provide financial, investment, tax, or legal advice and is not a licensed financial or investment advisor.

Nothing in the app is a recommendation to buy, sell, hold, or allocate into any specific investment, security, or asset. You are solely responsible for your own financial decisions. For personal investment advice, consult a licensed professional.

4. Forecasts are estimates

Projected balances, net worth, retirement figures, goal timelines, and similar forecasts are illustrative estimates based on assumptions you set or that the app infers. They are not guarantees of future results.

5. Your account

You are responsible for maintaining the confidentiality of your login credentials and for activity under your account. You may delete your account and data at any time from within the app.

6. Acceptable use

You agree not to misuse the service, including by attempting to scrape, reverse engineer, disrupt, or gain unauthorized access to the app or other users’ data.

7. Subscriptions

[If/when paid plans are offered: billing is handled through the Apple App Store; renewal and cancellation follow Apple’s terms. Complete this section before enabling billing.]

8. Disclaimers and limitation of liability

The service is provided “as is” and “as available” without warranties of any kind. To the maximum extent permitted by law, Welfi is not liable for any indirect, incidental, or consequential damages, and our total liability is limited as set out here: [limitation — counsel to draft].

9. Governing law and disputes

These Terms are governed by the laws of [jurisdiction — counsel to set], and disputes are subject to [dispute resolution — counsel to set].

10. Changes and contact

We may update these Terms; continued use after changes means you accept them. Questions:info@welfi-app.com.