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Terms of Service

Last updated: August 23, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Where's my money? (abbreviated as "wimm," and referred to herein as "we," "us," or "our") governing your access to and use of the Where's my money? mobile application ("App"), our website at wimm.cash ("Website"), and all related services, features, and content (collectively, the "Services").

By downloading, installing, accessing, or using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms, as well as our <privacyPolicyLink>Privacy Policy</privacyPolicyLink>, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Services.

We reserve the right to modify these Terms at any time. Material changes will be communicated through the App or via the email address associated with your account. Your continued use of the Services following such notification constitutes acceptance of the revised Terms.

2. Eligibility

You must be at least 16 years of age (or the applicable age of digital consent in your jurisdiction) to use our Services. By using the Services, you represent and warrant that you:

If you are using the Services on behalf of an organization, you represent and warrant that you have the authority to bind such organization to these Terms.

  • Meet the minimum age requirement;
  • Have the legal capacity to enter into a binding agreement;
  • Are not barred from using the Services under applicable law;
  • Will use the Services only for lawful purposes and in accordance with these Terms.

3. Description of Services

Where's my money? is a personal finance management application that provides the following features:

  • AI-Powered Receipt Scanning: Automated extraction of transaction data from receipt photographs using artificial intelligence.
  • Expense and Income Tracking: Manual and automated recording of financial transactions with categorization, tagging, and annotation capabilities.
  • Budget Management: Creation and monitoring of spending budgets with configurable alert notifications.
  • Spending Analytics: Trend analysis, category breakdowns, merchant analysis, and AI-generated financial insights.
  • Savings Goals: Goal setting and progress tracking with AI-powered projections.
  • Tax Management: Categorization and export of expenses for tax preparation purposes.
  • Recurring Transaction Detection: Automatic identification and tracking of subscriptions and recurring charges.
  • Data Backup: Local backup creation and restoration of your financial data.

Feature availability may vary depending on your subscription tier. We reserve the right to modify, suspend, or discontinue any feature at any time, with reasonable notice where practicable.

4. User Accounts

4.1 Account Registration

To access certain features of the Services, you must create an account through our authentication provider, Firebase Authentication (provided by Google LLC). You agree to provide accurate, current, and complete information during registration and to update such information as necessary to keep it accurate.

4.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to immediately notify us at <email>support@wimm.cash</email> of any unauthorized use of your account or any other breach of security. We shall not be liable for any loss or damage arising from your failure to maintain the security of your account.

4.3 Account Termination

You may terminate your account at any time by contacting us at <email>support@wimm.cash</email>. We reserve the right to suspend or terminate your account if we reasonably believe you have violated these Terms, engaged in fraudulent activity, or if required by law. Upon termination:

  • Your right to access and use the Services will immediately cease;
  • Locally stored data on your device will remain accessible until you uninstall the App;
  • Cloud-stored data (authentication profile, subscription data, quota records) will be deleted in accordance with our <privacyPolicyLink>Privacy Policy</privacyPolicyLink>;
  • Any remaining subscription period will not be refunded unless required by applicable law.

5. Subscription Plans and Payments

5.1 Subscription Tiers

The Services are available under the following subscription tiers:

  • Free: Basic receipt scanning and expense tracking with limited monthly usage quotas.
  • Standard: Enhanced features including budget suggestions, increased usage quotas, and additional analytics.
  • Pro: Full feature access including AI-generated insights, investment calculator, unlimited usage, and priority support.

5.2 Payment Processing

Subscription payments are processed through the Apple App Store and managed by RevenueCat. All payment terms, billing cycles, and refund policies are subject to the App Store's terms and conditions.

5.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the end of the current period. You may manage your subscription and cancel auto-renewal through your device's app store settings.

5.4 Price Changes

We reserve the right to adjust subscription pricing. Any price changes will be communicated with at least 30 days' notice. Continued use of paid features after a price change takes effect constitutes acceptance of the new pricing.

5.5 Usage Quotas

Each subscription tier includes defined usage quotas for API-dependent features (e.g., AI receipt scanning, AI insights). Quota usage resets monthly. Exceeding your tier's quota will result in temporary restriction of quota-dependent features until the next reset or upgrade to a higher tier.

6. Acceptable Use

You agree to use the Services only for lawful purposes. Without limiting the generality of the foregoing, you shall not:

  • Use the Services for any illegal, fraudulent, or unauthorized purpose, including but not limited to money laundering, tax evasion, or financial fraud;
  • Attempt to gain unauthorized access to any part of the Services, other user accounts, or our infrastructure;
  • Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the App;
  • Circumvent, disable, or interfere with any security, rate-limiting, or quota enforcement mechanisms;
  • Use automated systems, bots, or scripts to access or interact with the Services in a manner not expressly authorized;
  • Upload malicious content, including but not limited to viruses, malware, or images designed to exploit the AI processing pipeline;
  • Resell, sublicense, or commercially exploit the Services without our prior written consent;
  • Use the AI features to process content unrelated to financial receipts or transactions;
  • Impersonate any person or entity or misrepresent your affiliation with any person or entity;
  • Interfere with or disrupt the integrity or performance of the Services or the data contained therein.

We reserve the right to investigate and take appropriate action against any violation of this Section, including without limitation, suspending or terminating your account and reporting illegal activity to law enforcement authorities.

7. Intellectual Property

7.1 Our Intellectual Property

The Services, including but not limited to the App, Website, software, algorithms, user interfaces, designs, text, graphics, logos, trademarks, and all related intellectual property, are and shall remain the exclusive property of Where's my money? and its licensors. These Terms do not grant you any right, title, or interest in or to any of our intellectual property, except for the limited license to use the Services as expressly provided herein.

7.2 Your Content

You retain all ownership rights in the data you input into the Services, including receipt images, transaction data, notes, and other user-generated content ("Your Content"). By using the Services, you grant us a limited, non-exclusive, royalty-free license to process Your Content solely for the purpose of providing and improving the Services. This license terminates when you delete Your Content or close your account.

7.3 Feedback

If you provide us with any feedback, suggestions, or ideas regarding the Services ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into our Services without any obligation to you.

8. AI-Powered Features

8.1 Nature of AI Processing

The App utilizes artificial intelligence (powered by Google Gemini) to extract data from receipt images, categorize transactions, detect anomalies, and generate financial insights. AI-generated results are provided on an "as-is" basis and may contain inaccuracies or errors.

8.2 No Guarantee of Accuracy

We do not warrant the accuracy, completeness, or reliability of any AI-generated data, including but not limited to extracted receipt amounts, merchant names, categorizations, or financial insights. You are solely responsible for reviewing and verifying all AI-extracted data before relying on it for any purpose, including tax reporting or financial decision-making.

8.3 Confidence Scores

The App may provide confidence scores indicating the AI's certainty in its extraction results. These scores are informational only and should not be interpreted as guarantees of accuracy. Low-confidence results should be manually reviewed and corrected.

9. Financial Disclaimer

The Services are personal finance management tools only. Nothing provided through the Services shall be construed as:

  • Financial, investment, tax, accounting, or legal advice;
  • A recommendation or endorsement of any particular financial strategy, product, or service;
  • A substitute for professional financial, tax, or legal counsel.

Analytics, insights, savings projections, budget suggestions, and investment calculations provided through the Services are for informational purposes only and are based on the data you provide. The accuracy and usefulness of these outputs depend on the accuracy and completeness of your input data.

You should consult qualified professionals before making any financial, tax, or legal decisions. We expressly disclaim any liability for decisions made in reliance on information provided through the Services.

10. Data and Backup

10.1 Local Storage Responsibility

Because our App employs a local-first architecture, your financial data is primarily stored on your device. You are solely responsible for:

  • Maintaining regular backups of your data using the App's backup functionality;
  • Safeguarding your device against loss, theft, or damage;
  • Ensuring adequate storage space on your device for the App to function properly.

10.2 Data Loss

We are not responsible for any loss of data resulting from device failure, loss, theft, operating system updates, app uninstallation, or any other event beyond our reasonable control. We strongly recommend creating regular backups using the App's built-in backup feature.

10.3 Data Export

The App provides data export functionality for tax preparation and data portability purposes. Exported data is provided in standard formats and may be used at your discretion.

11. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT:

  • THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
  • THE AI-POWERED FEATURES WILL PRODUCE ACCURATE, COMPLETE, OR RELIABLE RESULTS;
  • ANY DEFECTS OR ERRORS IN THE SERVICES WILL BE CORRECTED;
  • THE SERVICES WILL MEET YOUR SPECIFIC REQUIREMENTS OR EXPECTATIONS;
  • THE SERVICES WILL BE COMPATIBLE WITH ALL DEVICES OR OPERATING SYSTEM VERSIONS.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL WHERE'S MY MONEY?, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR:

  • LOSS OF PROFITS, REVENUE, DATA, OR BUSINESS OPPORTUNITIES;
  • INACCURATE AI-GENERATED DATA OR INSIGHTS;
  • FINANCIAL LOSSES RESULTING FROM RELIANCE ON THE SERVICES;
  • UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA;
  • ANY INTERRUPTION OR CESSATION OF THE SERVICES;
  • ANY ERRORS, BUGS, OR INACCURACIES IN THE SERVICES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED SWISS FRANCS (CHF 100).

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.

13. Indemnification

You agree to indemnify, defend, and hold harmless Where's my money? and its directors, officers, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to:

  • Your use or misuse of the Services;
  • Your violation of these Terms;
  • Your violation of any applicable law or regulation;
  • Your violation of any third-party rights;
  • Any content you submit or transmit through the Services.

14. Third-Party Services

The Services integrate with third-party services including Firebase Authentication, Google Gemini AI, RevenueCat, Cloudflare, and Sentry. Your use of these third-party services is subject to their respective terms and privacy policies. We are not responsible for the availability, accuracy, or practices of any third-party services.

Subscription payments are processed through the Apple App Store. Any disputes regarding payments, refunds, or billing should be directed to the App Store in the first instance.

15. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms to the extent that such failure or delay results from circumstances beyond our reasonable control, including but not limited to natural disasters, acts of government, war, terrorism, pandemics, labor disputes, power outages, internet or telecommunications failures, or third-party service disruptions.

16. Governing Law and Dispute Resolution

16.1 Governing Law

These Terms shall be governed by and construed in accordance with the substantive laws of Switzerland, without regard to its conflict of law provisions. The application of the United Nations Convention on Contracts for the International Sale of Goods (CISG) is excluded.

16.2 Dispute Resolution

The exclusive place of jurisdiction is Reichenburg, Canton of Schwyz, Switzerland. Mandatory statutory provisions regarding the place of jurisdiction for consumers remain reserved. If you are a consumer resident in the European Union, you also have the right to bring proceedings in the courts of your country of residence.

16.3 Online Dispute Resolution

The European Commission provides an Online Dispute Resolution (ODR) platform at <odrLink>https://ec.europa.eu/consumers/odr</odrLink>. We are neither obligated nor willing to participate in dispute resolution proceedings before a consumer arbitration board.

17. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, shall be severed from these Terms. The invalidity of any provision shall not affect the validity and enforceability of the remaining provisions.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Where's my money? with respect to the Services and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Services.

19. Waiver

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or any other term. Our failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision.

20. Contact Information

For any questions, concerns, or notices regarding these Terms of Service, please contact us at:

Email: legal@wimm.cash
Support: support@wimm.cash
Website: https://wimm.cash