Terms of Service

Wealthtron is an AI-native personal finance tracking platform that helps users manage, visualize, and understand their financial data through unified dashboards, smart budgeting, investment monitoring, and AI-powered insights. The Services are provided for informational and educational purposes only and do not constitute financial, investment, tax, legal, or other professional advice. Wealthtron is not a financial institution, broker-dealer, investment advisor, or credit reporting agency. We do not have a fiduciary duty to you. All decisions based on information from the Services are your sole responsibility.

You agree to: provide accurate and complete registration information; maintain the security of your account credentials; promptly update any changes to your information; not share your account credentials with others; not use the Services for any unlawful purpose; not attempt to gain unauthorized access to any part of the Services; not interfere with or disrupt the integrity or performance of the Services; not systematically retrieve data to create compilations or databases without permission; not circumvent security-related features; not use automated means (bots, scrapers, spiders) to access the Services; not use the Services to compete with us; and not collect personal data about other users without their consent.

We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, text, photographs, and graphics (the "Content"), as well as the trademarks, service marks, and logos (the "Marks"). Our Content and Marks are protected by copyright, trademark, and other intellectual property laws. We grant you a non-exclusive, non-transferable, revocable license to access and use the Services solely for your personal, non-commercial use. You retain ownership of data you submit, but grant us a worldwide, royalty-free license to use, store, process, and display such content for providing our Services. By submitting feedback or suggestions, you agree we can use them without compensation to you.

Your subscription will continue and automatically renew unless canceled. You consent to our charging your payment method on a recurring basis. All payment data is handled by our payment processor (Stripe). We may offer free trials; your account will be charged at the end of the trial period unless you cancel. All purchases are non-refundable unless otherwise agreed. You can cancel your subscription at any time through your account settings; cancellation takes effect at the end of the current paid term. We may change subscription fees upon notice, but changes only take effect once your current term has ended.

You may not: systematically retrieve data to create databases without permission; trick, defraud, or mislead us or other users; circumvent security features; use information from the Services to harass others; make improper use of support services; use the Services in violation of applicable laws; upload viruses or malicious material; engage in automated system use (scripts, data mining, robots); attempt to impersonate another user; interfere with or create undue burden on the Services; copy or adapt our software; decompile or reverse engineer the Services; use AI models, outputs, or Services to develop or train any artificial intelligence or machine learning model; or use the Services for any revenue-generating endeavor or commercial enterprise not endorsed by us.

We offer features powered by artificial intelligence and machine learning ("AI Services"), including AI chat and AI insights, provided through third-party AI providers accessed through their APIs or via cloud platforms (see our Subprocessors page for the current list). AI outputs are generated through probabilistic machine learning and may contain inaccuracies or outdated information. AI-generated content does not constitute financial, investment, tax, legal, or professional advice and should not be relied upon without independent verification. Your prompts and data processed by AI Services are not used to train or improve any third-party AI models. AI features are entirely optional; your data is not processed by AI unless you actively choose to use these features. You will not use AI outputs to develop competing products, train AI models, or engage in model extraction attacks.

The Services may contain links to third-party websites or content that are not investigated, monitored, or checked by us. We are not responsible for any third-party websites, content, products, or services accessed through our platform. When you connect financial accounts, data is retrieved through authorized third-party financial data aggregators using encrypted, read-only connections; your banking credentials are never stored by us. Payment processing is handled by our third-party payment processor. The specific providers we use are listed on our Subprocessors page. Your relationship with third-party service providers is governed solely by your agreements with them. We make no representations or warranties regarding third-party services and shall not be liable for any loss or damage arising from their use.

Wealthtron is a personal finance tracking tool for educational and informational purposes only. We do not provide investment advice, recommendations, or endorsements of specific securities or financial products. All projections, calculations, and AI-generated scenarios are hypothetical and should not be relied upon as predictions of future performance. You are solely responsible for your financial decisions and should consult qualified financial, tax, and legal professionals. The accuracy of projections depends on the information you provide and assumptions that may not reflect actual outcomes.

THE SERVICES ARE PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS. In no event shall Wealthtron, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, use, goodwill, or other intangible losses. We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We make no warranties about the accuracy or completeness of content. Our total liability shall not exceed the amount paid by you in the six (6) months prior to the cause of action, or $250 USD, whichever is less.

You agree to defend, indemnify, and hold us harmless from any loss, damage, liability, claim, or demand, including reasonable attorneys' fees, made by any third party due to or arising out of: your use of the Services; breach of these Terms; any breach of your representations and warranties; your violation of the rights of a third party, including intellectual property rights; or any harmful act toward any other user of the Services.

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including breach of these Terms. Upon termination, your right to use the Services will immediately cease. Account termination may result in deletion of content associated with your account. You may terminate your account at any time through your account settings or by contacting us. Provisions that by their nature should survive termination shall survive, including ownership, liability limitations, indemnification, and dispute resolution.

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law provisions. Any dispute shall first be attempted to be resolved through informal negotiations for at least thirty (30) days. If unresolved, disputes will be resolved by binding arbitration under the rules of the American Arbitration Association. Arbitration shall be limited to disputes between the parties individually; class actions are not permitted. Exceptions include disputes regarding intellectual property rights, allegations of theft or unauthorized use, and claims for injunctive relief. For users in the European Union or United Kingdom, nothing in these Terms affects your statutory rights under applicable consumer protection laws, and you retain the right to bring claims in your local courts. For Canadian users, mandatory consumer protection laws of your province apply to the extent required.

We maintain certain data that you transmit to the Services for operating purposes. Although we perform regular backups, you are solely responsible for all data you transmit. We shall have no liability for any loss or corruption of data. You may export your data at any time through your account settings.

By using the Services, you consent to receive electronic communications from us (emails, notices, updates). You agree that all agreements, notices, disclosures, and other communications provided electronically satisfy any legal requirement that such communication be in writing.

Under California Civil Code Section 1789.3, California residents are entitled to the following consumer rights notice: the Services are provided by Wealthtron Inc., San Francisco, CA, United States. If you have a question or complaint regarding the Services, please contact us at support@wealthtron.com. California residents may also contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

These Terms, together with our Privacy Policy and any other legal notices published by us, constitute the entire agreement between you and Wealthtron regarding the Services and supersede any prior agreements. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions will remain in full force and effect (severability). Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. You may not assign or transfer these Terms or your account without our prior written consent; we may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets. We will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, governmental action, or failures of the Internet or third-party service providers (force majeure). The section headings in these Terms are for convenience only and have no legal effect.

We reserve the right to modify these Terms at any time. If a revision is material, we will provide notice by placing a notice on our website, sending you an email, or other appropriate means. If you do not agree with the new Terms, you may reject them by discontinuing use of the Services. Continued use after changes become effective constitutes acceptance of the modified terms.

If you have questions about these Terms, you may contact us at support@wealthtron.com.