Terms of Service

Last updated: 16 August 2026
Effective date: 16 August 2026

These Terms of Service (“Terms”) govern your access to and use of wealance.com, the Wealance application and related services (together, the “Service”), operated by the operator of wealance.com (“Wealance”, “we”, “us”, “our”).

Please read these Terms carefully before using the Service. By creating an account or using the Service, you agree to be bound by these Terms and acknowledge our Privacy Policy, which describes how we handle personal data. If you do not agree to these Terms, do not use the Service.

1. What Wealance Is — and What It Is Not

Wealance is a personal financial organisation and planning tool. It lets you record and structure information about your income, expenses, budgets, assets, liabilities, investments, projects and other financial matters (“Financial Content”).

Wealance is not a bank, payment institution, broker, investment adviser, tax adviser, accountant or financial consultant. Nothing in the Service constitutes financial, investment, tax, legal or accounting advice. Any figures, charts, projections or calculations shown in the Service are informational tools based on the data you entered, and you should not rely on them as professional advice. For decisions with financial or legal consequences, consult a qualified professional.

Wealance does not hold, transfer or manage money or other assets. The Service works only with information you type in yourself.

The demonstration portfolio available on the website without registration contains fictitious sample data created by Wealance and is provided for illustration only.

2. Eligibility

You must be at least 18 years old to create an account or use the Service. By registering, you confirm that you meet this requirement and that you are legally capable of entering into a binding agreement.

3. Your Account and Security

To use the Service you must create an account with accurate and current information. Two-factor authentication is mandatory for all user accounts.

You are responsible for keeping your credentials — password, two-factor authentication device and recovery information — confidential and secure. You must not share your account with others. You agree to notify us promptly at privacy@wealance.com if you suspect unauthorised access to your account, and to use the session list in Account Settings to review and revoke unfamiliar sessions.

We are not responsible for losses caused by your failure to protect your credentials, including losses resulting from your sharing them with another person.

Freezing your account. You may freeze (block) your account yourself at any time in Account Settings. For 30 days after freezing, you can restore access on your own. After 30 days, a frozen account can be restored only by us: submit a request through the form shown on the blocked account page, and we will verify the request and restore access where appropriate.

4. The Service Is Currently Free

Wealance is currently provided free of charge, without advertising. We do not sell or monetise your data (see the Privacy Policy).

If paid features are introduced in the future, we will update these Terms and describe the pricing, billing and refund conditions before any charge applies. Features that are free today may become paid, limited or discontinued in the future; where reasonably practicable, we will give advance notice of material changes.

5. Your Financial Content

Your Financial Content belongs to you. We claim no ownership of it. You grant us only the limited licence necessary to host, store, back up, process and display your Financial Content to you, for the sole purpose of operating and providing the Service.

You are solely responsible for the accuracy, completeness and lawfulness of the information you enter. Wealance stores what you type; it does not verify your figures.

Wealance is not a system of record. The Service is not a bookkeeping system, accounting archive or guaranteed permanent store of your financial information. You are responsible for maintaining your own independent copies of any information you cannot afford to lose. You can obtain a copy of your data at any time using the export function in the application.

Do not use free-form fields to store information the Service is not designed for, including credentials for other services, government identification numbers or special categories of personal data (see the Privacy Policy).

6. Acceptable Use

You may use the Service only for lawful personal purposes and in accordance with these Terms. You must not:

• use the Service in any way that violates applicable law;
• attempt to gain unauthorised access to the Service, other users’ accounts or data, or the servers and infrastructure on which the Service runs;
• probe, scan or test the vulnerability of the Service, or breach or circumvent any security or authentication measures, including rate limiting and bot protection;
• use any robot, scraper, crawler or other automated means to access the Service, or access the Service through anything other than the interfaces we provide;
• introduce viruses, malware or any other technologically harmful material, or take any action that imposes an unreasonable load on our infrastructure or interferes with the proper working of the Service (including denial-of-service attacks);
• copy, modify, distribute, sell, lease, reverse-engineer or create derivative works of any part of the Service or its software, except where such restriction is prohibited by law;
• create more than one account: one person may hold only one Wealance account. You must not register additional accounts, whether by automated means or otherwise;
• impersonate Wealance, its operator or any other person;
• store or enter content that is unlawful or that infringes the rights of others;
• engage in abusive, harassing or threatening conduct towards persons operating or supporting the Service.

7. Suspension and Termination by Us

We may suspend or block an account immediately and without prior warning where we reasonably believe that:

• the account is being used in violation of Section 6 or elsewhere in these Terms;
• the account has been compromised and suspension is needed to protect its data;
• suspension is required by law or by a binding order of a competent authority;
• the account or its activity creates a security, legal or operational risk for the Service or its users.

Where the circumstances reasonably allow, we will notify the account’s email address of the suspension and its reason.

Appeal. If your account has been suspended or blocked, you may contest the decision through the request form shown on the blocked account page or by writing to privacy@wealance.com. We will review your appeal and respond within a reasonable time. If the suspension is lifted, access is restored with your data intact. Restoration of blocked or frozen accounts in exceptional cases remains at our reasonable discretion.

Termination after blocking. If a violation is confirmed and the block is made permanent, the account and its Financial Content will be deleted after 30 days from the date of the final decision, except where we are legally required to retain information. During that period you may request a copy of your Financial Content unless providing it would be unlawful or would compromise an investigation.

We may also terminate or suspend the Service as a whole under Section 11.

8. Termination by You

You may stop using the Service at any time. You may request deletion of your account and its data by writing to privacy@wealance.com from the email address your account uses, as described in the Privacy Policy.

9. Intellectual Property

The Service — including its software, design, interface, logos, text and other materials created by Wealance (but excluding your Financial Content) — is owned by the operator of wealance.com and protected by intellectual property laws. Except for the limited right to use the Service in accordance with these Terms, no rights in the Service are granted to you.

The name “Wealance” and the Wealance logo may not be used without our prior written permission.

10. Feedback

If you send us ideas, suggestions or feedback about the Service, you agree that we may use them without restriction or compensation. This does not apply to your Financial Content.

11. Availability, Changes and Discontinuation of the Service

We work to keep the Service available and reliable, but we do not guarantee uninterrupted or error-free operation. The Service may be temporarily unavailable due to maintenance, updates, failures of infrastructure or events outside our control.

We may change, add or remove features of the Service at our discretion. Where a change materially reduces the core functionality you use, we will try to give reasonable advance notice.

If we decide to discontinue the Service entirely, we will give at least 14 days’ notice through the website or the application and provide a reasonable opportunity to obtain a copy of your Financial Content before the Service is switched off.

12. Disclaimer of Warranties

The Service is provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose and non-infringement, to the maximum extent permitted by applicable law.

Without limiting the foregoing, we do not warrant that the Service will be uninterrupted, secure or error-free, that defects will be corrected, or that the information displayed by the Service (including any calculations and projections based on your data) is accurate or suitable for any particular purpose.

Nothing in this Section excludes warranties or guarantees that cannot be excluded under applicable law.

13. Limitation of Liability

To the maximum extent permitted by applicable law:

• we shall not be liable for indirect, incidental, special, consequential or punitive damages, or for loss of profits, revenue, savings, goodwill or data, arising out of or in connection with the Service, whether based on contract, tort or any other legal theory, even if we have been advised of the possibility of such damages;
• we shall not be liable for loss, corruption or unavailability of Financial Content, including as a result of a cyberattack, unauthorised access, hosting failure or other security incident, provided that this does not exclude or limit liability that cannot lawfully be excluded or limited — including, where applicable law so provides, liability for damage caused by our failure to comply with data protection obligations, or liability arising from intent or gross negligence;
• our total aggregate liability for all claims relating to the Service shall not exceed the greater of the amount you have paid us for the Service in the twelve months preceding the claim or the equivalent of 50 EUR.

The Service is free of charge; you acknowledge that these limitations reflect a reasonable allocation of risk for a service provided without payment.

Nothing in these Terms excludes or limits any liability, right or remedy that cannot lawfully be excluded or limited under applicable law, including mandatory consumer protection rights in your country of residence.

14. Indemnity

If your violation of these Terms or your unlawful use of the Service causes a third-party claim against us, you agree to compensate us for the reasonable costs and damages directly resulting from that claim, to the extent permitted by applicable law.

15. Changes to These Terms

We may update these Terms when the Service, our practices or legal requirements change. Updated Terms are published on this page, and the “Last updated” date at the top shows the most recent revision. Where reasonably practicable, we will additionally announce material changes through the Service. Your continued use of the Service after the effective date of the updated Terms constitutes acceptance of them. If you do not agree to updated Terms, stop using the Service and, if you wish, request deletion of your account.

16. Governing Law and Disputes

These Terms are governed by the law of Ukraine. Disputes arising out of or in connection with these Terms or the Service shall be resolved by the competent courts of Ukraine.

If you are a consumer residing in the European Union, the United Kingdom or another jurisdiction whose law grants you mandatory consumer protections, nothing in this Section deprives you of the protection of provisions that cannot be derogated from by agreement under the law of your country of residence, or of the right to bring proceedings in your local courts where that right cannot be excluded.

Before starting formal proceedings, we ask that you contact us at privacy@wealance.com — most issues can be resolved directly.

17. Miscellaneous

Severability. If any provision of these Terms is held invalid or unenforceable, it will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force.

No waiver. Our failure to enforce any provision of these Terms is not a waiver of our right to do so later.

Entire agreement. These Terms, together with the Privacy Policy, constitute the entire agreement between you and Wealance regarding the Service.

Language. These Terms may be published in translation for convenience. In the event of any inconsistency, the English version prevails.

Assignment. You may not transfer your rights under these Terms. We may assign these Terms in connection with a transfer of the Service described in the Privacy Policy (Business Transfers); your rights under these Terms and applicable law are preserved.

18. Contact

Operator of wealance.com (“Wealance”)
Ukraine
Email: privacy@wealance.com
Website: wealance.com