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Terms of Use

Last Updated: January 2025

1. Acceptance of Terms

By accessing or using the Wealthvision application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, please do not use the App.

2. Description of Service

Wealthvision is a personal finance management application that helps users track expenses, analyze spending patterns, and manage their financial data. The App allows users to:

• Import and categorize financial transactions
• View spending analytics and insights
• Set and track financial goals
• Generate financial reports

3. Account Registration

To use certain features of the App, you must create an account. You agree to:

• Provide accurate and complete information during registration
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access to your account
• Be responsible for all activities that occur under your account

4. User Data and Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy. By using the App, you consent to our data practices as described in the Privacy Policy.

5. Subscription and Payments

Certain features of the App require a paid subscription. By subscribing:

• You authorize us to charge your payment method on a recurring basis
• Subscriptions automatically renew unless cancelled before the renewal date
• Refunds are handled according to the policies of the applicable app store (Apple App Store or Google Play Store)
• Prices are subject to change with notice

6. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the App's functionality
• Upload malicious code or content
• Resell or redistribute the App without authorization
• Violate any applicable laws or regulations

7. Intellectual Property

The App, including its content, features, and functionality, is owned by Wealthvision and is protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, or distribute any part of the App without our prior written consent.

8. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

9. Financial Disclaimer

Wealthvision is a financial tracking tool only and does not provide financial, investment, tax, legal, or accounting advice. The information provided through the App is for informational purposes only and should not be relied upon as professional advice. You should consult with qualified professionals for specific financial, legal, or tax advice tailored to your circumstances.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW IN THE UNITED STATES AND CANADA:

• WEALTHVISION, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES
• THIS INCLUDES DAMAGES FOR LOSS OF PROFITS, GOODWILL, DATA, OR OTHER INTANGIBLE LOSSES ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $100 USD/CAD, WHICHEVER IS GREATER
• SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR EXCLUSION OF LIABILITY FOR CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW

11. Indemnification

You agree to indemnify, defend, and hold harmless Wealthvision and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

12. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

For U.S. Users: Any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved exclusively through binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules. The arbitration shall take place in the United States, and judgment on the arbitration award may be entered in any court having jurisdiction. YOU WAIVE YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

For Canadian Users: Any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved exclusively through binding arbitration in accordance with the Arbitration Rules of the ADR Institute of Canada. The arbitration shall take place in Canada, and the decision of the arbitrator shall be final and binding. YOU WAIVE YOUR RIGHT TO A COURT TRIAL AND TO PARTICIPATE IN A CLASS ACTION.

Exceptions: Either party may seek injunctive or equitable relief in a court of competent jurisdiction to prevent actual or threatened infringement, misappropriation, or violation of intellectual property rights.

Small Claims Court: Either party may bring a claim in small claims court if the claim qualifies and remains in such court.

13. Class Action Waiver

YOU AND WEALTHVISION AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, REPRESENTATIVE, OR COLLECTIVE PROCEEDING. Unless both you and Wealthvision agree otherwise, the arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.

14. Governing Law

For U.S. Users: These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions.

For Canadian Users: These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario, Canada, and the federal laws of Canada applicable therein, without regard to conflict of law provisions.

15. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms in the App, by email, or by other reasonable means. Your continued use of the App after such changes constitutes acceptance of the new Terms. If you do not agree to the modified Terms, you must stop using the App.

16. Termination

We may terminate or suspend your account and access to the App immediately, without prior notice or liability, for any reason, including violation of these Terms. Upon termination:

• Your right to use the App will cease immediately
• You remain liable for any amounts owed to Wealthvision
• We may delete your data in accordance with our data retention policies

17. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Wealthvision regarding the App and supersede all prior agreements and understandings.

19. Waiver

No waiver of any term of these Terms shall be deemed a further or continuing waiver of such term or any other term, and Wealthvision's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

20. Force Majeure

Wealthvision shall not be liable for any failure or delay in performance due to circumstances beyond its reasonable control, including acts of God, war, terrorism, riots, pandemics, embargoes, acts of civil or military authorities, fire, floods, accidents, network infrastructure failures, strikes, or shortages of transportation facilities, fuel, energy, labor, or materials.

21. Contact Us

If you have any questions about these Terms, please contact us at:

Email: [email protected]

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Privacy Policy

Last Updated: January 2025

1. Introduction

This Privacy Policy explains how Wealthvision ("we," "us," or "our") collects, uses, discloses, and protects your information when you use our mobile application and related services (collectively, the "App"). This policy applies to users in the United States, Canada, and other jurisdictions where applicable.

2. Information We Collect

2.1 Information You Provide

• Account Information: Email address and password when you create an account
• Financial Data: Transaction data you import from CSV files or enter manually, including dates, amounts, descriptions, and categories
• Income Information: Income sources and amounts you choose to track
• Goals: Financial goals and targets you set within the App
• Support Communications: Information you provide when contacting customer support

2.2 Automatically Collected Information

• Device Information: Device type, operating system version, and unique device identifiers
• Usage Data: How you interact with the App, features used, time spent, and session information
• Analytics Data: Aggregated and anonymized data about App performance, crashes, and usage patterns
• IP Address: For security and fraud prevention purposes

2.3 Information We Do NOT Collect

• Bank account credentials or passwords
• Credit card numbers (payments are processed by Apple/Google)
• Social security numbers or government IDs
• Precise geolocation data

3. How We Use Your Information

We use your information to:

• Provide and maintain the App's functionality
• Process and categorize your financial transactions
• Generate spending insights, analytics, and personalized recommendations
• Sync your data across devices when logged in
• Send important service-related notifications and updates
• Improve, optimize, and develop new features for the App
• Process subscription payments through app store providers
• Respond to your support requests and customer inquiries
• Detect and prevent fraud, abuse, and security incidents
• Comply with legal obligations and enforce our Terms of Use

4. Data Storage and Security

4.1 Where Your Data is Stored

Your financial data is stored securely using Supabase, a trusted cloud database provider with servers located in the United States. Data is encrypted both in transit (using TLS 1.2 or higher) and at rest (using AES-256 encryption).

4.2 Local Storage

For offline access and improved performance, some data may be cached locally on your device using secure storage mechanisms provided by your device's operating system (iOS Keychain or Android Keystore).

4.3 Security Measures

• End-to-end encryption for sensitive financial data
• Secure authentication using industry-standard OAuth 2.0 protocols
• Regular security audits and penetration testing
• Access controls and least-privilege principles to limit data exposure
• Automated monitoring for suspicious activity and unauthorized access
• Secure development practices and code reviews

4.4 Data Retention

We retain your data for as long as your account is active or as needed to provide services. When you delete your account, we will delete your personal data within 30 days, except as required by law, to resolve disputes, enforce agreements, or for legitimate business purposes (e.g., backup retention for 90 days).

5. Data Sharing and Disclosure

We do not sell, rent, or trade your personal information. We may share your information only in the following limited circumstances:

• Service Providers: With trusted third-party services that help us operate the App (e.g., Supabase for database hosting, RevenueCat for payment processing). These providers are contractually obligated to protect your data and use it only for specified purposes.
• Legal Requirements: When required by law, court order, subpoena, or legal process, or to protect our rights, property, or safety, or that of our users or the public.
• Business Transfers: In connection with a merger, acquisition, bankruptcy, dissolution, reorganization, sale of assets, or similar transaction, provided the acquiring entity agrees to honor this Privacy Policy.
• With Your Consent: When you explicitly authorize us to share information with third parties.
• Aggregated Data: We may share anonymized, aggregated data that cannot identify you personally for research, marketing, or analytics purposes.

6. Third-Party Services

The App uses the following third-party services, each with their own privacy policies:

• Supabase: Authentication and database services (Privacy Policy)
• RevenueCat: Subscription and payment management (Privacy Policy)
• Apple App Store / Google Play Store: App distribution and payment processing (governed by Apple and Google privacy policies)

We are not responsible for the privacy practices of these third-party services.

7. Your Rights and Choices

7.1 General Rights

You have the right to:

• Access: Request a copy of your personal data in a portable format
• Correction: Update or correct inaccurate or incomplete information
• Deletion: Request deletion of your account and associated data (subject to legal retention requirements)
• Export: Export your financial data in CSV or JSON format
• Opt-out: Unsubscribe from non-essential communications (promotional emails)
• Data Portability: Receive your data in a structured, machine-readable format

7.2 U.S. State-Specific Rights (California, Virginia, Colorado, etc.)

If you are a resident of certain U.S. states, you may have additional rights under state privacy laws (e.g., CCPA, CPRA, VCDPA, CPA):

• Right to know what personal information we collect, use, and share
• Right to delete personal information (with certain exceptions)
• Right to opt-out of the "sale" or "sharing" of personal information (Note: We do not sell personal information)
• Right to non-discrimination for exercising your privacy rights
• Right to correct inaccurate personal information
• Right to limit use of sensitive personal information

7.3 Canadian Privacy Rights (PIPEDA and Provincial Laws)

If you are a Canadian resident, you have rights under the Personal Information Protection and Electronic Documents Act (PIPEDA) and applicable provincial privacy laws:

• Right to know what personal information we collect and how it's used
• Right to access your personal information
• Right to challenge the accuracy and completeness of your information
• Right to withdraw consent (where consent is the basis for processing)
• Right to file a complaint with the Privacy Commissioner of Canada

7.4 How to Exercise Your Rights

To exercise any of these rights, contact us at [email protected]. We will respond to your request within 30 days (or as required by applicable law). We may need to verify your identity before processing your request.

8. International Data Transfers

Your data may be transferred to, stored, and processed in countries other than your country of residence, including the United States. By using the App, you consent to such transfers. We ensure appropriate safeguards are in place to protect your data in accordance with this Privacy Policy and applicable data protection laws.

9. Children's Privacy

The App is not intended for children under 13 years of age (or 16 in certain jurisdictions). We do not knowingly collect personal information from children under 13/16. If we discover that we have collected information from a child under the applicable age, we will delete it promptly. If you believe we have collected information from a child, please contact us immediately.

10. Do Not Track Signals

Some browsers support "Do Not Track" (DNT) signals. Currently, there is no industry standard for how to respond to DNT signals. We do not respond to DNT signals at this time.

11. Cookies and Tracking Technologies

The App uses minimal tracking technologies:

• Essential Cookies: Required for authentication and app functionality
• Analytics: Anonymized usage data to improve the App (you can opt-out in settings)

We do not use advertising or third-party tracking cookies.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will notify you of material changes by:

• Posting the updated policy in the App with a revised "Last Updated" date
• Sending you an email notification (if you have provided an email address)
• Displaying a prominent notice in the App

Your continued use of the App after changes constitutes acceptance of the updated policy. If you do not agree to the changes, you should stop using the App and delete your account.

13. Contact Us

If you have questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

Email: [email protected]

Response Time: We will respond to privacy inquiries within 30 days.

14. Regulatory Contacts

For U.S. Residents: You have the right to file a complaint with the Federal Trade Commission (FTC) or your state Attorney General's office.

For Canadian Residents: You have the right to file a complaint with the Office of the Privacy Commissioner of Canada (www.priv.gc.ca) or your provincial privacy commissioner.