1. Agreement to these terms

These Terms of Use ("Terms") are an agreement between you and Trueframe Digital ("we", "us") for the Worthtally application and its content ("the app"). By downloading, installing or using the app you agree to these Terms. If you do not agree, do not use the app.

2. Licence

We grant you a personal, non-exclusive, non-transferable, revocable licence to install and use the app on devices you own or control, for your own personal, non-commercial use. Your use is also subject to the rules of the store you obtained the app from — the Apple App Store, Google Play, or the Microsoft Store. The app is licensed, not sold.

3. Not financial advice

Worthtally is a record-keeping and visualisation tool. It helps you record what you own and owe and see trends, allocations, budgets, goals and projections you build from your own inputs. It does not provide financial, investment, tax, accounting or legal advice, and nothing in the app is a recommendation to buy, sell or hold any asset. Net-worth figures, trends, what-if scenarios, retirement / FIRE numbers and live values are estimates for your information only. You are solely responsible for your own financial decisions and should consult a qualified professional where appropriate.

4. Your data is yours

Worthtally is local-first: the accounts, balances and other information you enter stay on your device, as described in our Privacy Policy. Because of this, you are responsible for your own data, including keeping your own backups. We have no account system and no copy of your data, so we cannot recover it for you. Resetting the app or deleting it from your device erases the data stored there.

5. Live market data

If you enable live values, the app shows currency exchange rates and cryptocurrency prices obtained from third-party sources. This data is provided "as is", may be delayed, incomplete or inaccurate, and may be unavailable at times. It is for general information only and should not be relied on for trading or other time-sensitive decisions.

6. Worthtally Pro, subscriptions & purchases

Core tracking, including unlimited accounts, is free. Some features are part of Worthtally Pro, which may be offered as an auto-renewing subscription, a one-time lifetime purchase, or both:

• All purchases are made and billed through the app store you installed from (Apple, Google or Microsoft). We never see or store your payment details.
• An auto-renewing subscription renews automatically for the same period and price unless you cancel it at least 24 hours before the end of the current period. You manage or cancel it in your store account, not in the app.
• A lifetime purchase is a one-time payment that unlocks Pro for the supported platforms tied to the store account you bought it with.
• Prices may vary by region and may change over time; a change does not affect a subscription period you have already paid for.
• Refunds are handled by the app store under its own policies, not by us.

7. Acceptable use

You agree not to copy (except as the app normally allows), modify, reverse-engineer, decompile or attempt to extract the source code of the app except to the extent that restriction is prohibited by law; not to rent, lease, resell or redistribute it; and not to use it for any unlawful purpose.

8. Intellectual property

The app, its design, and the "Worthtally" and "Trueframe Digital" names and marks are owned by Trueframe Digital and protected by law. These Terms do not transfer any of those rights to you. The financial information you enter remains yours.

9. No warranty

The app is provided "as is" and "as available", without warranties of any kind, whether express or implied, to the fullest extent permitted by law, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the app will be uninterrupted, error-free, or that any figure it shows is accurate.

10. Limitation of liability

To the maximum extent permitted by law, Trueframe Digital will not be liable for any indirect, incidental, special or consequential damages, or for any loss of data or financial loss, arising out of or relating to your use of or reliance on the app. Nothing in these Terms limits any liability that cannot be limited under applicable law.

11. Apple App Store

If you obtained the app from the Apple App Store, the following also applies: these Terms are between you and Trueframe Digital only, and not with Apple. Apple has no obligation to provide any maintenance or support for the app. Apple is not responsible for the app or any claims relating to it, including product-liability, legal or regulatory, or intellectual-property claims, or any failure to meet a legal requirement. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

12. Changes

We may update the app and these Terms from time to time. When we change these Terms we will update this page and the "last updated" date above. Continuing to use the app after a change means you accept the updated Terms.

13. Contact

These Terms are provided by Trueframe Digital, Melbourne, Australia. Any questions about these Terms, or any questions, complaints or claims about the app, can be directed to [email protected].