Effective date: May 21, 2026

Worthlly is a personal finance tool, not a bank, lender, or regulated financial advisor.

These terms explain the responsibilities, limitations, and usage expectations for using Worthlly across the app and connected services.

1. Product Scope

Personal finance organization and insights

Worthlly is provided as a personal finance tracking and planning product. It helps users organize expenses, income, investments, liabilities, goals, and related summaries.

Worthlly is not a bank, broker, tax advisor, lender, or regulated financial advisory service.

2. User Responsibility

You are responsible for the data you provide

You are responsible for the accuracy and completeness of the financial information entered into the app. Product calculations, charts, and summaries depend on the data you provide.

3. AI Guidance

Informational insights only

AI-generated suggestions, summaries, and coaching are informational only. They do not constitute legal, tax, investment, or financial advice, and should not replace advice from qualified professionals.

4. Availability and Security

Access may change to protect the product

We may suspend, restrict, or terminate access for abuse, fraud, unlawful activity, or actions that threaten the integrity, security, or stability of Worthlly.

5. Future Billing

Subscriptions are not active unless disclosed in-app

If paid plans or subscriptions are introduced in the future, pricing, billing, renewal, and cancellation terms will be disclosed directly inside the app and in the relevant app store listing before they apply.