Terms of Service
These Terms of Service ("Terms") govern your access to and use of the WealthWhiz application and services ("WealthWhiz," "the Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1. Acceptance of terms
You must be at least 18 years of age to use WealthWhiz. By creating an account or using the Service, you represent that you meet this requirement and have the legal capacity to enter into a binding agreement. Use of the Service on behalf of a business entity constitutes the entity's acceptance of these Terms, and you represent that you have authority to bind the entity.
2. Description of the Service
WealthWhiz is a financial planning software application. The Service provides tools for modeling personal financial scenarios including retirement planning, net-worth projection, tax estimation, real estate analysis, and related calculations. All computation occurs locally on your device using an open-source math engine.
WealthWhiz is a calculator, not a financial advisor. Nothing in the Service, its output, its AI features, or any communication from WealthWhiz constitutes personalized financial, investment, tax, legal, or retirement advice. Projections are models based on assumptions you supply and should not be treated as predictions. You are solely responsible for any financial decisions you make. Consult a qualified professional before making major financial decisions.
3. License to use the software
Subject to your compliance with these Terms and, if applicable, your active subscription, WealthWhiz grants you a limited, non-exclusive, non-transferable, revocable license to:
- Access the web application at /app/
- Install and run the native application on your own devices
- Use the Service for your personal, non-commercial financial planning purposes
You may not sublicense, sell, resell, transfer, assign, or otherwise exploit the Service for commercial purposes without our written consent. You may not reverse-engineer the application except to the extent permitted by law or by the open-source license governing the math engine (published on GitHub).
4. Subscription tiers and billing
4a. Free tier
The Free tier is provided at no charge and does not require a payment method. It remains available indefinitely. We reserve the right to modify the feature set of the Free tier with 60 days' advance notice.
4b. Paid subscriptions
Paid subscriptions (Plus, Family, Ultimate) are billed in advance, either monthly or annually, at the rates listed on the pricing page. Billing occurs automatically at the start of each period. You authorize us to charge the payment method on file at each renewal unless you cancel before the renewal date.
Annual subscriptions are billed as a single charge at the beginning of the annual period. Exact pricing:
- Plus: $5.00/month or $39.00/year
- Family: $10.00/month or $79.00/year
- Ultimate: $15.00/month or $129.00/year
- AI Concierge add-on: $15.00/month or $129.00/year (stacks on any paid tier)
Prices are in US Dollars. We reserve the right to change pricing with 60 days' advance notice to existing subscribers. Price changes do not take effect until your next renewal date after the notice period.
4c. Lifetime license
The Lifetime license is a one-time payment of $399 that grants access to all Ultimate-tier features for as long as the Service is available. It is capped at 1,000 licenses per calendar year. The Lifetime license does not include the AI Concierge add-on, which remains a separate subscription. Lifetime licenses are non-transferable and non-refundable after 30 days from purchase (see Section 5 for the refund policy).
4d. Cancellation and downgrade
You may cancel your subscription at any time through account settings or by contacting support. Cancellation takes effect at the end of the current billing period. Upon cancellation, your account reverts to the Free tier — all data and functionality available in the Free tier remains fully accessible. Features exclusive to paid tiers are deactivated; your underlying plan data is never deleted as a result of a plan downgrade.
5. Refund policy
We offer a 30-day money-back guarantee on all new paid subscriptions and new Lifetime license purchases. If you are not satisfied with your purchase for any reason, contact support@wealth-whiz.com within 30 days of the initial charge and we will issue a full refund. Refunds are not provided for subsequent renewal charges, for partial periods, or for monthly charges after the initial 30-day period. Refunds are processed to the original payment method within 5–10 business days.
6. Your responsibilities
You are responsible for:
- Keeping your account credentials confidential and not sharing your login with others (except for the Family tier's spousal sharing feature, which is explicitly supported)
- Backing up your plan file. WealthWhiz does not maintain server-side backups of your financial data; safeguarding the plan file on your device is your responsibility
- The accuracy of the financial figures you enter. The quality of projections depends on the accuracy of your inputs
- Complying with all applicable laws in your jurisdiction in connection with your use of the Service
You agree not to use the Service to engage in any unlawful activity, to circumvent licensing restrictions, to attempt to gain unauthorized access to any system, or to distribute malware or engage in any activity that could harm WealthWhiz or other users.
7. Open-source math engine
The computation engine underlying WealthWhiz is published on GitHub under an open-source license (see the repository for the specific license terms). These Terms govern your use of the WealthWhiz application and service; the open-source license governs your use of the engine code independently of the application. Nothing in these Terms restricts your rights under the open-source license.
8. Third-party services
Certain paid features involve optional integration with third-party services including Plaid (bank sync), Stripe (payment processing), and LLM providers (AI features). Your use of those integrations is also subject to the respective third party's terms of service and privacy policies. WealthWhiz is not responsible for the availability, accuracy, or conduct of third-party services.
9. Disclaimer of warranties
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WEALTHWHIZ DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT PROJECTIONS OR CALCULATIONS WILL BE ACCURATE OR COMPLETE.
FINANCIAL PROJECTIONS ARE MODELS BASED ON ASSUMPTIONS. ACTUAL FINANCIAL OUTCOMES WILL DIFFER — POSSIBLY MATERIALLY — FROM PROJECTED OUTCOMES. WEALTHWHIZ IS NOT RESPONSIBLE FOR ANY FINANCIAL DECISIONS MADE IN RELIANCE ON THE SERVICE'S OUTPUT.
10. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WEALTHWHIZ, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, OR FINANCIAL LOSSES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE — EVEN IF WEALTHWHIZ HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WEALTHWHIZ'S TOTAL LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID TO WEALTHWHIZ IN THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.
Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In those jurisdictions, the above limitations apply to the maximum extent permitted by law.
11. Indemnification
You agree to indemnify and hold harmless WealthWhiz and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your violation of these Terms, your use of the Service, or your violation of any third-party rights.
12. Intellectual property
WealthWhiz and its logos, trade names, and brand elements are our trademarks. You may not use them without prior written consent. The open-source engine code is governed by its specific open-source license as published on GitHub. All other application code, design, and content are proprietary to WealthWhiz.
You retain full ownership of the plan files and financial data you create. We do not claim any rights to your data.
13. Termination
13a. By you
You may terminate your account at any time by cancelling your subscription and deleting the application from your devices. You may request deletion of your account record by contacting support@wealth-whiz.com.
13b. By WealthWhiz
We may suspend or terminate your access to the Service immediately if you materially breach these Terms, engage in fraudulent activity, or if required by law. We will use reasonable efforts to provide notice before termination unless the breach involves fraud, illegal activity, or poses a security risk. Upon termination for cause, no refunds will be issued.
13c. Effect of termination
Upon any termination, your license to use the Service ends. Because your financial data lives on your device and not our servers, your data is not deleted by termination of your account — you retain and control it. Export your plan file before requesting account deletion if you wish to preserve it in a portable format.
14. Modifications to the Service and Terms
We may modify the Service at any time, including adding, removing, or changing features. For material changes that substantially reduce core functionality in a paid tier, we will provide 60 days' advance notice and, at your option, a prorated refund for the unused portion of any prepaid period. We may also update these Terms from time to time. The updated version will be posted at this URL with a revised "Last updated" date. Continued use of the Service after the effective date of any change constitutes acceptance of the new Terms.
15. Governing law and dispute resolution
[PLACEHOLDER — governing law jurisdiction to be determined after entity formation and legal review. Likely: State of [●], United States. Dispute resolution mechanism — arbitration vs. litigation — to be specified by counsel.]
Regardless of jurisdiction, you and WealthWhiz each waive the right to participate in a class action lawsuit or class-wide arbitration. All claims must be brought in your individual capacity, not as a plaintiff or class member in any purported class proceeding.
16. General provisions
- Entire agreement: These Terms, together with the Privacy Policy and any applicable subscription confirmation, constitute the entire agreement between you and WealthWhiz regarding the Service.
- Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in full force.
- No waiver: Our failure to enforce any provision does not constitute a waiver of our right to enforce it later.
- Assignment: You may not assign your rights or obligations under these Terms without our written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.
- Contact: For questions about these Terms, contact legal@wealth-whiz.com.