Terms of Service & End User License Agreement

Last updated: September 30, 2026

These Terms of Service and End User License Agreement ("Terms") govern your use of the WiseBuddy mobile applications, website, and related services ("WiseBuddy", "we", "us"). By creating an account, downloading or using the app, or accessing our services, you agree to these Terms.

1. The service

WiseBuddy is a personal budgeting and financial management platform featuring expense tracking, receipt scanning, budgets and savings goals, bill-splitting, and an AI assistant that operates on-device or via server assistance. We grant you access to use the service for personal, non-commercial financial tracking, subject to these Terms.

2. Mobile application license (EULA)

This section constitutes our End User License Agreement ("EULA") governing your download, installation, and use of the WiseBuddy mobile application on iOS (Apple App Store) and Android (Google Play Store).

• Scope of License. Subject to your compliance with these Terms, WiseBuddy grants you a personal, revocable, non-exclusive, non-transferable, non-sublicensable license to download, install, and execute the WiseBuddy mobile application on compatible devices that you own or control, in accordance with the applicable App Store or Google Play Store Terms of Service.
• License Restrictions. You agree not to, directly or indirectly: (a) decompile, reverse engineer, disassemble, or attempt to derive the source code or underlying ideas of the app; (b) modify, adapt, enhance, translate, or create derivative works based on the app; (c) rent, lease, sell, sublicense, distribute, or commercially exploit the app; (d) remove, obscure, or alter any copyright notices, trademarks, or proprietary markings; or (e) circumvent, disable, or tamper with any security or digital rights management features of the app.
• Maintenance and Support. WiseBuddy is solely responsible for providing any maintenance, updates, and customer support for the mobile application. You acknowledge that neither Apple, Inc. nor Google LLC has any obligation whatsoever to furnish maintenance or support services with respect to the app.
• App Store Additional Terms (Apple iOS). If you download or access the WiseBuddy app from the Apple App Store:
  • These Terms are concluded solely between you and WiseBuddy, not with Apple, Inc. WiseBuddy, not Apple, is solely responsible for the Licensed Application and its content.
  • In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) paid for the app in accordance with Apple's policies. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the app.
  • WiseBuddy, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession and/or use of the app, including product liability claims, regulatory compliance claims, and consumer protection claims.
  • In the event of any third-party claim that the app or your possession/use infringes an intellectual property right, WiseBuddy, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
  • You represent and warrant that: (i) you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and EULA. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

3. In-app subscriptions, in-app purchases & Lifetime Pro

WiseBuddy provides core budgeting features for free, as well as optional premium features through "WiseBuddy Pro" (such as unlimited receipt scanning, advanced budget analytics, custom goal tracking, and full AI assistant capabilities).

• Auto-Renewing Subscriptions (Monthly & Annual).
  • Auto-renewal: WiseBuddy Pro subscriptions renew automatically at the end of each billing period (e.g., monthly or yearly) unless auto-renew is cancelled at least 24 hours before the current period ends.
  • Billing: Purchases made through the Apple App Store or Google Play Store are charged to your respective store account upon confirmation of purchase and on each renewal within 24 hours prior to the expiration of the current billing cycle. Purchases made through web checkout are billed by us via Stripe.
  • Managing and cancelling: You can manage or cancel your auto-renewing subscription at any time through your device's subscription settings (on iOS: device Settings → Apple ID → Subscriptions; on Android: Google Play → Subscriptions) or in-app under Settings → Subscription. Cancelling stops future renewal charges; you will continue to have full access to WiseBuddy Pro until the end of your prepaid billing period.
  • Free trials & promotions: Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription, where applicable.
• In-App Purchase: WiseBuddy Pro Lifetime.
  • One-time payment: We may offer a one-time in-app purchase for "WiseBuddy Pro Lifetime" ("Lifetime Pro"). Lifetime Pro is not an auto-renewing subscription; it requires a single upfront payment with no recurring renewal charges.
  • Access duration: Lifetime Pro entitles you to access WiseBuddy Pro features for the operational lifetime of the WiseBuddy application and service.
  • Account-bound & non-transferable: Lifetime purchases are tied to your platform store account and registered WiseBuddy account. They cannot be sold, assigned, or transferred to other individuals or accounts.
• Restore Purchases. If you switch devices, reinstall the application, or update your hardware, you can restore active subscriptions or a previously purchased Lifetime Pro license at any time by tapping "Restore purchases" on the Subscription screen inside the app.
• Refunds. For purchases made via in-app purchase through the Apple App Store or Google Play Store, all payments and refunds are handled exclusively by Apple or Google under their respective store terms. WiseBuddy cannot process store refunds directly. You can request a refund from Apple at reportaproblem.apple.com or from Google at support.google.com/googleplay. For purchases billed through web checkout, please refer to our Cancellation Policy.
• Price changes. We reserve the right to change subscription pricing. Any price modifications will be communicated in advance according to applicable app store rules before taking effect on subsequent billing renewals.

4. Not financial advice

WiseBuddy — including anything generated by the AI assistant — provides budgeting suggestions and organizational tools, not professional financial, tax, or investment advice. Decisions you make based on the app are your own responsibility.

5. Your account

You're responsible for the accuracy of the information you provide and for keeping your account credentials secure. Notify us promptly of any unauthorized use.

6. Acceptable use and user content

Don't use WiseBuddy to violate the law, infringe others' rights, attempt to disrupt or reverse-engineer the service, or misuse the buddy/split-bill features to harass or defraud other users.

You are responsible for everything you send or share through WiseBuddy, including chat messages, names, photos, and shared bills. There is no tolerance for objectionable content or abusive users. You must not post, send, or share:

• harassment, bullying, or threats toward anyone;
• hateful or discriminatory content;
• sexual or sexually explicit content;
• violent or graphic content;
• spam or unsolicited promotion; or
• anything illegal, or anything that infringes someone else's rights.

Reporting and blocking. You can report any message and block any person from within the app. We review reports and act on them within 24 hours. We may remove content and suspend or terminate the accounts of users who violate these Terms, as described in Section 9.

7. Third-party services

The app relies on third parties — including RevenueCat and Stripe for payments, and our AI service provider for server-assisted chat — to operate. Your use of those integrated features is also subject to those providers' terms where applicable.

8. Disclaimers & limitation of liability

WiseBuddy is provided "as is." We don't guarantee the app will be uninterrupted or error-free, or that AI-generated suggestions will be accurate for your situation. To the extent permitted by law, our liability for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim arose.

9. Termination

You may stop using WiseBuddy and delete your account at any time. We may suspend or terminate accounts that violate these Terms.

10. Changes

We may update these Terms from time to time. Material changes will be reflected by the date above and, where required, notified in-app.

11. Contact

Questions about these Terms? Email support@wisebuddy.app or support@wisebuddy.ph.