Terms of Service

These Terms of Service (“Terms”) govern your use of Wealtho (“we”, “our”, “us”) including our website, mobile app, and related services (collectively, the “Service”). By accessing or using the Service, you agree to these Terms.

1. Use of the Service

You must be at least 13 years old to use Wealtho. You agree to use the Service only for lawful purposes and in accordance with these Terms.

2. Account Responsibilities

You are responsible for:

• Maintaining the confidentiality of your login credentials
• Ensuring the accuracy of information you provide
• Immediately notifying us of any unauthorized use of your account

3. Financial Information

Wealtho provides budgeting, insights, and financial management tools but **does not provide financial, investment, or tax advice**. Information provided in the app is for informational and educational purposes only.

4. Third-Party Services

If you choose to connect accounts through third-party providers such as Plaid, you authorize those providers to share relevant financial data with us. We do not control third-party services and are not responsible for their practices.

5. Prohibited Actions

• Attempting to access systems without authorization
• Reverse engineering or modifying the Service
• Using the Service for fraudulent or harmful activities

6. Termination

We may suspend or terminate your access to the Service at any time if you violate these Terms or engage in harmful activity. You may delete your account at any time through the app or by contacting us.

7. Intellectual Property

All content, branding, and materials within Wealtho are owned by us or licensed to us. You may not copy, distribute, or create derivative works without permission.

8. Limitation of Liability

Wealtho is provided “as is” without warranties of any kind. We are not liable for losses arising from your use of the Service, including data inaccuracies, outages, or third-party issues.

9. Changes to the Service

We may update or modify features of the Service at any time. Major changes to these Terms will be posted with an updated date.

10. Governing Law

These Terms are governed by the laws of your local jurisdiction, without regard to conflicts of law principles.

11. Contact Us

If you have questions about these Terms, reach us at:

wealthoapphelp@gmail.com