Terms and Conditions

Waleteer is provided by Nuno Miguel Pontes Leite Helfrich, a sole trader, with Portuguese tax identification number 213516993 and address at Rua Arco do Carvalhão, 19B, 2.º, 1070-008 Lisboa, Portugal (“we”, “us”).

You can contact us at [email protected]. We reply in Portuguese or English.

“Service” means Waleteer: the waleteer.pt website, the portal and the mobile apps, including the API the apps use.

“Account” means your registration with the service. “Content” means the data and files you put into the service: wallets, transactions, categories, budgets, goals, rules, imported statements, attachments and preferences.

“Household” means a group of accounts you share wallets with. “Pro” means the paid subscription. “Store” means Apple’s App Store or Google Play. “Merchant of record” means the entity that sells you the subscription and collects the payment in its own name.

By creating an account and ticking the acceptance box, you confirm you are at least 18 years old and able to enter into contracts, accept these Terms and confirm you have read the Privacy Policy. We keep the date and the version you accepted.

Waleteer is meant for managing your personal and household finances, not for professional or business activities.

During the service’s early period, registration may be limited to people with an access code or on the waiting list.

Waleteer is a tool for recording and organising your finances. The figures it shows come from the data you enter or import.

Waleteer is not a bank, a payment institution or a financial intermediary. It does not hold money, make payments or transfers, or access your bank accounts. Automatic payments are records in Waleteer, not instructions to your bank.

Interest, withheld tax and other taxes the service calculates (including the tax report and taxes on balances or wealth), currency conversions (made with the European Central Bank’s reference rates), cash-flow forecasts, suggested recurring payments and debt payoff plans are estimates and simulations. They may differ from the actual figures of your bank, lender or tax authority. The debt planner only simulates scenarios and changes none of your data.

Nothing in the service is financial, tax, legal or investment advice. The decisions you make are your own; always confirm important figures with the relevant institutions.

To use the service you need a valid email address, which you confirm before accessing the portal. The details you give when registering must be true and kept up to date.

You can also sign in with your Apple or Google account. In that case Apple or Google confirm your identity and their own conditions also apply; the email address they give us must be verified, and you are responsible for keeping that account secure.

You are responsible for keeping your password secret and for everything done in your account. We recommend turning on two-factor authentication. Tell us immediately at [email protected] if you suspect unauthorised access.

In Settings you can see the devices signed in to your account and sign any of them out. For security, a device that does not use the service for 90 days is signed out and you will need to sign in again; on the website, the option to stay signed in lasts at most 90 days.

If you turn on notifications or the home screen widget on your phone, balances, amounts and transaction names may appear outside the app, including on the lock screen. With the app lock on, the widget shows no amounts. You are responsible for choosing what is visible on your device.

The Free plan has no time limit and no cost. It limits how many wallets, budgets, rules and transaction templates you can create, as shown on the website and on your plan page.

The limits only stop you creating more: we never delete what you already have because of them.

Pro removes the Free plan limits and unlocks additional features, such as the cash-flow forecast, the bills calendar, the debt planner, sinking funds, multi-currency net worth and sharing wallets in a household. The current list is on the website and on your plan page.

Pro is a subscription that renews automatically at the end of each period (the length of the plan you choose), at the price then in force, until you cancel it.

We may offer a free trial, of the length shown before purchase. If you do not cancel before the trial ends, it automatically becomes a paid subscription and you are charged on that date. The trial is offered once per person.

If a renewal fails, you may keep access for a short grace period while the payment is retried. If the payment is not settled, Pro ends.

Prices are shown before purchase and include VAT at the applicable rate.

On the website, the subscription is sold by Stripe, through the Stripe Managed Payments service, acting as merchant of record: Stripe sells you the subscription, collects the payment, issues the receipt or invoice and handles VAT. Stripe’s terms that apply to the payment are shown to you at checkout.

In the mobile apps, the subscription is sold by the relevant store, under that store’s conditions and prices, and the store issues the proof of purchase.

We may change Pro prices. We will give you at least 30 days’ notice and the change only applies from the renewal after that notice; if you do not agree, you can cancel before it.

You can cancel automatic renewal at any time: subscriptions bought on the website are cancelled on your plan page, and those bought in a store are cancelled in that store’s subscription settings. Cancellation takes effect at the end of the period already paid, and you keep Pro until then.

If you are a consumer, you have 14 days from purchase to withdraw from the contract without giving a reason. For subscriptions bought on the website, use the “Withdraw from contract” button on your plan page, or write to [email protected] from your account’s email address saying that you wish to withdraw. We acknowledge receipt of your request by email without delay. For purchases made in a store, withdrawal follows that store’s rules.

If there has been no activity at all in your account since you subscribed, we refund the full amount paid. Activity means creating, changing, deleting or importing data, or using a Pro feature.

Before you go to payment on the website, we ask you to tick a box expressly asking for Pro to start straight away; we confirm that request by email, with the subscription. If there has been activity and you made that request, the refund is partial: we return the amount paid less the share proportional to the time Pro was active up to your request. Without that express request, we refund the full amount.

Refunds for website purchases are processed through Stripe, to the same payment method, within 14 days of receiving your request. For purchases made in a store, refunds are requested from and decided by the store, under its own rules.

Outside these cases and what the law provides, periods already started are not refunded.

When Pro ends, whether through cancellation, non-payment or a refund, nothing you created is deleted. You can still see and edit your data, but you cannot create more than the Free plan limits and lose access to the Pro-only features.

The wallets you share are paused for the members of your households until you have Pro again.

With Pro you can create a household, invite people by email and share wallets with them, with access to view or to record transactions. An invitation expires after 14 days if it is not accepted.

Only invite people who are happy to receive the invitation and with whom you want to share that data. Whoever accepts can see the data of the wallets shared with them.

A wallet always belongs to whoever created it: transactions recorded in a shared wallet stay in the owner’s account, and the owner can change access, remove members or stop sharing at any time. A member can leave the household whenever they like.

Your content remains yours. You grant us only a non-exclusive, free permission to store, process, sync between devices and show it to you and to whoever you share it with, solely to provide the service. The permission ends when you delete the content or the account.

You are responsible for the content you put in, including statements and attachments, and for having the right to use it. Do not put unlawful content or third parties’ data into the service without a basis for doing so. This includes the names of people you share expenses with, payees, notes, attachments and the statements you record.

You can download all your data at any time in Settings. How personal data is handled is described in the Privacy Policy.

You may not use the service for unlawful or fraudulent purposes, or for money laundering.

Nor may you try to access other people’s accounts or data, get around limits, payments or security measures, probe for vulnerabilities without permission, overload the service or access it by automated means outside the API provided to our apps, or copy, decompile, resell or make the service available to others.

The service, including the software, design, text, logos and the Waleteer brand, belongs to us or our licensors and is protected by law.

We grant you a personal, non-exclusive, non-transferable and revocable licence to use the service in accordance with these Terms. You acquire no other right over it.

If you send us suggestions or feedback about the service, we may use them to improve it, with no obligation to compensate you. We never publish your name without permission.

The mobile apps are distributed through the App Store and Google Play. When you use them, the relevant store’s conditions also apply; where they conflict as regards the store, the store’s conditions prevail.

Apple and Google are not parties to these Terms and are not responsible for the service, its maintenance or support, or for claims relating to it. They may nonetheless enforce these Terms as regards the app they distribute.

We do our best to keep the service available, secure and free of errors, but we cannot guarantee it. The service may be unavailable during maintenance, which we try to schedule at quiet times, or because of failures on our side or our providers’.

Some features may be marked as experimental; they may have more errors and be changed or withdrawn sooner. Do not rely on their results alone for important decisions.

We may improve, change or withdraw features. If we withdraw an essential Pro feature during a period already paid, we will give reasonable notice and, if you ask, refund the proportional share of the period you no longer had it.

If we decide to close the service, we will give at least 60 days’ notice, let you download your data and refund the unused part of subscriptions paid on the website.

We are liable for damage we cause you intentionally or through gross negligence, and in any other case where the law does not allow liability to be excluded or limited.

To the extent the law allows, we are not liable for losses arising from decisions based on the service’s estimates and simulations, from data entered or imported incorrectly, from access to your account by someone who knew your credentials, or from temporary unavailability.

Nothing in these Terms affects the rights the law gives you as a consumer, including the guarantee of conformity of digital content and services under Portuguese Decree-Law no. 84/2021 of 18 October.

We are not liable for failures or delays caused by events beyond our reasonable control, such as natural disasters, widespread power or telecommunications failures, large-scale cyberattacks, acts of authorities or serious failures of essential providers. We resume the service as soon as possible.

You can stop using the service and delete your account at any time in Settings, under Your data. While the Pro subscription renews automatically, you must first cancel the renewal, on the website or in the store where you bought it. If you delete the account before the end of the period already paid, you lose the rest of that period, without a refund, except when exercising the right of withdrawal. When you delete the account, your data is erased as described in the Privacy Policy; we recommend downloading it first.

We do not delete accounts for inactivity.

We may suspend or close an account that seriously or repeatedly breaches these Terms, that is used fraudulently, or where the law requires it. Whenever the law allows, we will warn you first, with the reasons, and give you the chance to respond and to download your data. If we close the account through no fault of yours, we refund the unused part of the subscription paid on the website.

We may update these Terms, for example to reflect changes to the service or the law. The date of the version in force is at the top of this page.

If the changes are material, we will tell you by email or in the service at least 30 days in advance and ask you to accept the new version the next time you sign in. If you do not agree, you can cancel your subscription and delete your account; if you do so before the changes take effect, we refund the unused part of the period paid on the website.

You agree that communications about the contract may be sent to you by email, to your account’s address, or shown in the service. Communications to us should be sent to [email protected].

We may also send you news and notices about Waleteer, such as new features, maintenance or changes to the service, by email, phone notification and notice in the service. You can stop these emails in Settings or with one click in each of them, and the notifications in your phone’s settings. Communications the contract needs, such as those about your account’s security, your subscription or these Terms, are still sent.

These Terms, together with the Privacy Policy and the conditions shown at purchase, are the entire agreement between you and us about the service.

If any clause is found invalid, the rest remain in force. Not exercising a right does not mean we waive it.

We may transfer this contract to another entity that takes over the service, such as a company we set up, provided your rights are not reduced; we will tell you beforehand. You may not transfer your account to anyone else.

These Terms are available in Portuguese and English. If they differ, the Portuguese version prevails.

These Terms are governed by Portuguese law, without prejudice to the mandatory consumer protection rules of the country where you live.

The Portuguese courts have jurisdiction as provided by law, without affecting your right, as a consumer, to go to the courts where you live.

If you have a complaint, please write to us first at [email protected]: we will try to resolve it quickly and reply in writing.

You can also file your complaint in the Portuguese Electronic Complaints Book (Livro de Reclamações Eletrónico), at https://www.livroreclamacoes.pt. The complaint is sent to us and to the competent regulator.

If you are a consumer and we cannot reach an agreement, you can take the dispute to an alternative consumer dispute resolution (ADR) body, under Portuguese Law no. 144/2015 of 8 September. The competent ADR body is the Lisbon Consumer Arbitration Centre:

Centro de Arbitragem de Conflitos de Consumo de Lisboa — Rua dos Douradores, 116, 2.º, 1100-207 Lisboa, Portugal — https://www.centroarbitragemlisboa.pt

Using the ADR body is voluntary for you and does not stop you going to court. More information about ADR bodies at https://www.consumidor.gov.pt.

For any question about these Terms, your subscription or a refund, write to [email protected].