Terms of Service

Agreement and eligibility

By creating an account, starting a trial, purchasing a subscription, or using Wealth Calendar Tracker, you agree to these Terms of Service and acknowledge the Privacy Policy. Registration records the versions of the Terms and Privacy Policy you accepted and the acceptance timestamp. Optional Product Analytics and Advertising consent is separate from this agreement.

You must be at least 18 years old, be legally able to enter into this agreement, and provide accurate account and billing information.

Nature of the service

Wealth Calendar Tracker is a personal financial tracking and organizational tool. It helps you record accounts, balances, income, bills, spending, budgets, and savings goals, and it displays calculations, projections, reminders, and reports based on the information you enter or confirm.

Wealth Calendar Tracker does not hold, transfer, invest, lend, or automatically move money. It is not a bank, financial institution, lender, broker, credit bureau, investment adviser, accountant, attorney, tax adviser, credit-repair service, or fiduciary. Recording an item or marking it paid inside the app updates your records only; it does not cause a real-world payment, deposit, cancellation, or transfer, and recording income does not confirm that a real deposit occurred unless you verify it.

No financial advice

Wealth Calendar Tracker does not provide financial, investment, tax, accounting, credit, insurance, or legal advice. Nothing provided through the Service constitutes a recommendation, solicitation, guarantee, or professional advice. Users are responsible for making their own financial decisions and should consult a qualified professional when professional advice is needed.

Estimates and calculation accuracy

Projected balances, reminders, reports, and other calculations are estimates. They depend on the information you enter or confirm, and they may be incomplete, delayed, or inaccurate. Expected income shown in the app is not money currently available to you.

You must confirm your real balances, transactions, payment obligations, and deadlines with your financial institutions and service providers. Wealth Calendar Tracker is designed to help you plan and organize; it should not be your only financial record.

Your responsibilities

• Enter complete, accurate, and current information.
• Review calculations and projections before relying on them.
• Confirm whether bills and other obligations were actually paid.
• Maintain sufficient funds for your obligations.
• Protect your login credentials and secure your devices.
• Use the Service lawfully.
• Keep independent records when appropriate.

Reminders and notifications

Reminders and notifications are convenience features, and their delivery is not guaranteed. Delivery may be affected by email providers, device settings, internet availability, your notification preferences, technical errors, or third-party services.

You remain responsible for monitoring and paying your obligations even if a reminder is delayed, incorrect, or not delivered.

Subscription, trial, and billing

Wealth Calendar Tracker's launch plan is Basic, which costs $8 per month and includes a three-day free trial. Pro and Household are not available for purchase at launch and must not be treated as purchasable plans.

A valid payment method is collected before the trial begins. Unless you cancel before the trial ends, Stripe automatically charges the monthly price when the trial ends. The exact first-charge date is presented during checkout and again on the success and Billing pages. Subscriptions renew monthly until canceled.

Subscription payments and card information are handled by Stripe. You manage and cancel your subscription through Stripe from the Billing page. Cancellation stops future renewals and normally keeps access open through the end of the current trial or paid period, plus any permitted grace period; it does not automatically delete your account or your data. Deleting the app or not using it does not cancel a subscription. Refund eligibility is governed by the Refund Policy.

Analytics and tracking

Wealth Calendar Tracker may use Product Analytics to understand how features are used and improve reliability. When enabled by an administrator and permitted by your consent choices, Product Analytics may be provided through PostHog. Product Analytics may measure safe events such as page views, onboarding progress, feature adoption, broad device information, and categorized errors.

Wealth Calendar Tracker may also use Marketing Analytics to measure campaign performance, attribution, registration, trials, checkout, purchases, and cancellations. Enabled providers may include Google Analytics 4, Google Tag Manager, Google Ads, Meta Pixel, TikTok Pixel, and Microsoft Ads UET.

Non-essential Product Analytics and Advertising tracking is used only after the corresponding consent category is granted where required. You may change or withdraw those choices at any time through Cookie Preferences. Withdrawing consent stops future optional tracking but does not require third parties to erase information lawfully collected before withdrawal.

Cookie usage

• Essential cookies support authentication, security, sessions, fraud prevention, and core application preferences. They cannot be disabled through the in-app consent controls.
• Product Analytics cookies help measure safe feature usage, onboarding, performance, and broad error categories when you consent.
• Advertising cookies help measure campaigns, attribution, and conversion events when you consent.

You may accept all optional categories, reject non-essential cookies, or customize Product Analytics and Advertising separately. See the Cookie Policy for more information.

AI features

Where an AI-assisted tool is enabled — such as receipt extraction, savings guidance, or Money Guide responses — its output is informational and may be incomplete, outdated, or inaccurate. AI-generated explanations are provided for educational and organizational purposes, not as financial, legal, tax, accounting, credit, or investment advice, and do not replace advice from a qualified professional. You are responsible for checking AI-generated information before relying on it or changing your finances.

Third-party services

The Service relies on or links to independent third-party providers to operate. These may include Stripe for payment processing and billing, Neon for database infrastructure, Vercel for hosting and delivery, Resend for transactional email, analytics providers, AI service providers for enabled AI features, and future integrations. Providers and integrations may change as the Service evolves.

These independent third parties operate under their own terms and privacy practices. Wealth Calendar Tracker remains responsible for securely selecting, configuring, and using its providers, and is not responsible for the independent acts, outages, restrictions, or policy changes of those providers beyond our reasonable control.

Privacy safeguards for analytics

Wealth Calendar Tracker is designed so analytics events do not intentionally include account balances, transaction amounts, merchant names, bank names, account names, account numbers, receipt images, receipt text, AI prompts, AI conversations, passwords, authentication tokens, or payment card information. Analytics payloads are limited through approved event and property lists.

AI prompts and conversations are not used for advertising analytics. Session replay, when enabled, is optional, requires Product Analytics consent, and is configured with masking safeguards. No online system can guarantee that every error or unauthorized event will be prevented, but Wealth Calendar Tracker uses reasonable controls intended to reduce accidental collection of sensitive financial content.

Data security

Wealth Calendar Tracker uses reasonable administrative, technical, and organizational safeguards intended to protect account and financial information. No internet service, database, device, or transmission method can guarantee absolute security. You are responsible for using a strong, unique password, securing your devices, logging out of shared devices, and promptly reporting suspected unauthorized access.

Data retention, backups, and account deletion

You should keep independent copies of important financial records. Wealth Calendar Tracker does not currently offer a self-service export of your financial data, so you should not rely on the Service as your only record.

You may request account deletion through our official support channels, currently the official Wealth Calendar Tracker Instagram or X account. Deleting an account removes your financial records from the active application and, once completed, ends your access. Some limited records — such as consent, policy acceptance, billing, security, or audit records — may be retained where legally or operationally required. Because our infrastructure providers maintain routine backups for reliability and disaster recovery, residual copies may persist in backups for a limited period before they are overwritten in the ordinary course. We do not claim that data is immediately or permanently erased everywhere the moment a deletion request is made.

Service availability and warranties

To the fullest extent permitted by applicable law, the Service is provided “as is” and “as available.” We do not warrant or promise that the Service will be accurate, complete, available, uninterrupted, secure, or error-free. We may improve, add, remove, suspend, or discontinue features, plans, providers, or integrations, and material subscription price changes will be disclosed before they apply to a future renewal where required.

Some jurisdictions do not allow certain warranty exclusions, so the exclusions above apply only to the extent permitted by applicable law, and you may have additional rights that cannot be excluded.

Limitation of liability

To the fullest extent permitted by applicable law, Wealth Calendar Tracker and its operators are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising out of or relating to your use of the Service. This includes, for example, missed payments, late fees, overdraft charges, interest, lost savings, lost profits, lost data, incorrect projections, or missed notifications.

To the fullest extent permitted by applicable law, the total aggregate liability of Wealth Calendar Tracker and its operators for all claims relating to the Service is limited to the greater of (a) the amount you paid for the Service during the twelve months immediately preceding the event giving rise to the claim, or (b) $100.

These limitations do not apply where prohibited by law and do not exclude or limit liability that legally cannot be excluded or limited, including, where applicable, liability arising from fraud, willful misconduct, or gross negligence.

Your account and acceptable use

• Keep your password and devices secure and promptly report suspected unauthorized access.
• Do not access another person's data, disrupt the service, bypass subscription or feature restrictions, or use the service unlawfully.
• Do not inject executable code, unauthorized tracking scripts, malicious campaign values, or harmful content into the service.
• Do not use automated attacks, scraping, credential stuffing, denial-of-service activity, or attempts to compromise application, provider, or database security.
• You retain ownership of information you enter and give us permission to process it as needed to provide, improve, secure, and administer the service under these terms and your privacy choices.

Fraud and abuse prevention

Wealth Calendar Tracker may use rate limiting, security logging, automated misuse detection, suspicious-login monitoring, payment-risk signals, and other reasonable safeguards to prevent fraud and abuse. We may temporarily restrict features or account access while suspected fraud, chargebacks, attacks, or violations are investigated.

Account suspension and termination

We may suspend, restrict, or terminate access for fraud, abusive chargebacks, nonpayment, illegal activity, misuse of trials, attempts to bypass subscription restrictions, attacks on the service, unauthorized access to another person's data, repeated violations, or other serious breaches of these terms. Where practical and legally appropriate, we may provide notice or an opportunity to correct the problem.

Consent and changes to these terms

Wealth Calendar Tracker records the applicable versions of the Terms, Privacy Policy, and cookie-consent policy. We may update these terms as the service changes and will post the revised effective date and version. If a material change affects analytics, advertising, privacy practices, billing, or your legal rights, we may require you to review and accept updated documents or make new consent choices before continuing to use the Service or affected features.

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Before public launch, replace this section with the legal business name, mailing address, governing-law location, dispute terms, and official support contact appropriate for the business. This document is a draft prepared for owner and attorney review and is not a substitute for advice from a licensed attorney.

Contact

Contact Wealth Calendar Tracker through our official Instagram, X account, or TikTok. Our username is @lu3kyErika. Do not send passwords, full card numbers, or bank login information in a direct message.