Terms of Service

1. Agreement

By creating an account or using Master Wealth ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, do not use the Service. These terms apply to all users, including free trial and paying subscribers.

2. Description of Service

Master Wealth is a personal finance dashboard that allows you to manually track income, expenses, budgets, and net worth. The Service does not connect to your bank accounts and does not provide financial advice. All data you enter is for personal tracking purposes only.

3. Account Registration

• You must provide accurate information when creating an account.
• You are responsible for maintaining the confidentiality of your password.
• You must be at least 13 years old to use the Service.
• You may not share your account with others or create accounts on behalf of third parties without permission.

4. Free Trial

We offer a 7-day free trial for new subscribers. A valid payment method is required to start your trial. You will not be charged during the trial period. If you cancel before the trial ends, you will not be billed. If you do not cancel, your subscription will automatically begin at the end of the trial period at the applicable plan rate.

5. Subscription and Billing

• Paid plans are billed on a recurring basis (monthly or annually) via Stripe.
• Prices are displayed on the pricing page and may change with 30 days' notice to existing subscribers.
• All fees are non-refundable except where required by law or at our sole discretion.
• If a payment fails, we may suspend your access until the outstanding balance is resolved.

6. Cancellation

You may cancel your subscription at any time from the Settings or My Profile page within the app. Upon cancellation, your subscription will remain active until the end of the current billing period, after which your account will revert to the free tier. We do not offer prorated refunds for unused time.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose.
• Attempt to reverse-engineer, copy, or scrape any part of the Service.
• Upload malicious code or interfere with the Service's infrastructure.
• Resell or sublicense access to the Service.
• Use the Service to store sensitive personal information about third parties without their consent.

8. Your Data

You own the financial data you enter into Master Wealth. We do not claim any rights over your data. You can export your data at any time using the Excel export feature. See our Privacy Policy for details on how we handle your data.

9. Service Availability

We aim for high availability but do not guarantee uninterrupted access to the Service. We may perform maintenance, updates, or experience outages that temporarily limit access. We are not liable for any losses arising from downtime.

10. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, express or implied. Master Wealth does not provide financial, tax, investment, or legal advice. Always consult a qualified professional for financial decisions.

11. Limitation of Liability

To the maximum extent permitted by law, Master Wealth shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service, including but not limited to financial losses, data loss, or loss of profits. Our total liability to you shall not exceed the amount you paid us in the 12 months preceding the claim.

12. Termination

We reserve the right to suspend or terminate your account at any time for violations of these Terms, fraudulent activity, or non-payment. You may terminate your account by contacting us at support@master-wealth.com.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of significant changes by email or by displaying a notice in the app. Continued use of the Service after changes constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the jurisdiction in which Master Wealth operates, without regard to its conflict of law provisions.

15. Contact

For questions about these Terms, contact us at: support@master-wealth.com