Terms of Service

These Terms of Service (the "Terms") form a binding agreement between you and wlthy, a service operated from Malta ("we", "us", "our"), governing your use of the wlthy product, website, and APIs (the "Service").

1. Acceptance of these terms

By creating an account, accessing the Service, or clicking "I agree" (where presented), you accept these Terms and our Privacy Policy. If you do not accept them, do not use the Service.

You confirm you are at least 18 years old and have legal capacity to enter this agreement. If you sign up on behalf of an organisation, you represent that you are authorised to bind it to these Terms.

2. The Service

wlthy is a personal portfolio operating system that lets you record, consolidate, and analyse the assets and liabilities you own across accounts, currencies, and partners. Specific features depend on the plan you subscribe to and may evolve over time.

We may modify, suspend, or discontinue any feature at any time. If a change materially reduces a paid feature you have purchased, we will notify you in advance and offer a pro-rata refund where reasonable.

3. Your account

• You are responsible for all activity that occurs under your account.
• Use a strong, unique password, and enable two-factor authentication. We recommend not sharing credentials with anyone — use the partner-invite feature to grant another person scoped visibility.
• Tell us promptly at [email protected] if you suspect unauthorised access.
• You may delete your account at any time from Settings. After a 30-day cooldown the data is permanently erased — see the Privacy Policy for the full schedule.

4. Subscriptions, billing, and refunds

• All paid plans (White, Gray, Black) are billed in advance through our payment processor, Stripe Payments Europe Ltd. Current monthly prices are €19 (White), €39 (Gray), and €69 (Black); yearly billing is up to 20% off. See the pricing page for the full feature matrix.
• Free 3-day trial: every new account starts on a 3-day onboarding trial that mirrors the Black plan. The trial is granted once per account — cancelling and re-subscribing does not reset it.
• Prices on the pricing page are exclusive of any applicable taxes (VAT etc.); tax is calculated at checkout based on your billing address.
• Auto-renewal: subscriptions renew automatically for the same period unless cancelled before the end of the current term. Cancel any time via Settings › Subscription › Manage billing.
• Refunds: consistent with EU consumer law, consumer purchasers may withdraw within 14 days of first purchase for a full refund, provided the Service has not been substantially used. After 14 days, fees for the current period are non-refundable except where law requires otherwise. We do not pro-rate refunds for partial-month cancellations.
• Failed payments: if a payment fails we retry per Stripe's standard schedule. Continued failure may result in downgrade to read-only access until billing is restored.
• End of trial: if no plan is chosen before the 3-day trial ends, the account moves to read-only mode. Your ledger remains intact and exportable; you can subscribe at any time to resume editing.
• Price changes: we may change prices for new billing periods with at least 30 days notice. Changes never apply retroactively to a billing period already paid for.

5. Acceptable use

You agree not to:

• Reverse-engineer, decompile, or attempt to extract source code from the Service, except to the extent expressly permitted by law.
• Resell, sub-license, or otherwise commercially exploit the Service without a written agreement.
• Use the Service to violate any law, infringe any right, or launder money.
• Submit malware, attempt to disrupt the Service, run unauthorised penetration tests, or scrape data outside our published APIs.
• Probe rate limits, abuse trial periods through duplicate sign-ups, or use stolen payment credentials.

Violation may result in immediate suspension or termination.

6. Your data and content

You retain all rights to the data you put into the Service — portfolios, asset records, notes, partner relationships, files. We do not claim ownership over any of it.

You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, display, transmit, and process your content solely for the purpose of operating and improving the Service. This licence ends when you delete your data or your account, subject to the retention windows in the Privacy Policy.

You are responsible for the accuracy and lawfulness of the data you enter, including any data about co-owners or partners — invite people only with their consent.

7. Intellectual property

The Service, including its software, design, brand, and content (other than your data), is owned by wlthy or our licensors and protected by copyright, trade-mark, and other laws. Nothing in these Terms transfers any of those rights to you.

You may make non-commercial screenshots of your own dashboard for personal use or to share feedback with us — that is encouraged.

8. No financial, tax, or investment advice

Past performance shown in the Service is no guarantee of future results. Valuations from third-party sources (e.g. stock and crypto feeds) are provided "as is" and may be delayed, incomplete, or inaccurate. Always consult an authorised professional before making financial decisions.

9. Warranty disclaimer

To the maximum extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, or non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or immune to security incidents.

10. Limitation of liability

To the maximum extent permitted by law, our aggregate liability arising out of or relating to the Service in any 12-month period is limited to the greater of (a) the amount you paid us in that period and (b) EUR 100.

We are not liable for indirect, incidental, consequential, special, exemplary, or punitive damages — including loss of profits, revenue, investment opportunities, goodwill, or data — even if advised of their possibility.

Nothing in these Terms limits liability that cannot lawfully be excluded, including for fraud, willful misconduct, or death or personal injury caused by negligence.

11. Indemnity

You agree to defend and indemnify wlthy and its directors, officers, employees, and contractors against third-party claims arising out of (a) your breach of these Terms, (b) your misuse of the Service, or (c) data you submit that infringes the rights of another.

12. Suspension and termination

We may suspend or terminate your access if you breach these Terms, fail to pay, or pose a security or legal risk. Where reasonable, we will give you advance notice and a chance to cure.

You may terminate at any time by deleting your account. Sections that by their nature should survive termination — including IP, disclaimers, liability, and governing law — will survive.

13. Changes to these Terms

We may update these Terms from time to time. Material changes will be announced by email and in-app at least 30 days before the effective date. Continued use after the effective date constitutes acceptance. If you do not agree, you may terminate your account before the change takes effect and receive a pro-rata refund of any unused prepaid period.

14. Governing law and jurisdiction

These Terms are governed by the laws of the Republic of Malta, without regard to its conflict-of-law rules. The courts of Malta have exclusive jurisdiction over any dispute, except that consumers domiciled in another EU/EEA member state retain the right to bring proceedings in their country of residence under applicable consumer law.

Nothing in these Terms affects the mandatory protections you have under applicable consumer protection legislation, including the Consumer Affairs Act of Malta and the EU Consumer Rights Directive.

15. Contact

General & legal: [email protected].
wlthy is operated from Malta.

See also our Privacy Policy.