Terms of Service

Agreement to Terms

By accessing or using the services provided by Where Is My Money? at paulkreations.com/wimm (the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

Use of Service

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Service in any way that violates any applicable law or regulation
• Use the Service to transmit any harmful, threatening, abusive, or otherwise objectionable material
• Attempt to gain unauthorized access to any portion of the Service
• Use the Service to infringe upon the rights of others
• Use any automated system to access the Service in a manner that sends more requests than a human can reasonably produce
• Attempt to abuse, defraud, or manipulate the Referral Program — see its own section below
• Attempt to abuse, defraud, or manipulate Promo Offers, including by misrepresenting your identity or eligibility, or by circumventing the one-offer-per-account limit — see its own section below

Intellectual Property

The Service and its original content, features, and functionality are and will remain the exclusive property of Where Is My Money?. The Service is protected by copyright, trademark, and other laws. Our trademarks may not be used in connection with any product or service without our prior written consent.

User Content

You retain ownership of any content you submit to or through the Service. By submitting content, you grant Where Is My Money? a non-exclusive, worldwide, royalty-free license to use, reproduce, and display such content in connection with operating the Service.

Payments and Billing

Premium subscriptions are billed through one of the following, depending on your platform and region:

• Apple App Store / Google Play Store, via RevenueCat, on Android, iOS, and macOS.
• Razorpay, via a payment link, on Windows and Linux (India only).

You agree to provide accurate billing information. All payments are non-refundable unless otherwise stated, or required by the platform/payment processor's own policies (App Store and Play Store refunds are governed by Apple's and Google's own terms, not ours). We reserve the right to change our pricing at any time with reasonable notice.

Premium access may also be granted free of charge through a Promo Offer, at our sole discretion, without any payment — see "Promo Offers" below for how that works and how it interacts with a paid subscription.

Referral Program

Where Is My Money? may offer a Referral Program allowing you to invite others to the Service and, subject to eligibility, earn rewards.

• Eligibility. Enrollment requires signing in with a Google account (or an available alternative sign-in method). A Premium subscription is never required to enroll or to redeem a referral code, and referral rewards are never a discount on a Premium subscription.
• One referrer per account. Each account may be referred by, at most, one other account, for the lifetime of that account.
• Redemption window. A referral code must be redeemed within a limited time period of enrolling (see the Referral Program screen in-app for the current window). Codes cannot be redeemed after this window closes.
• Rewards.Referral rewards, if any, are feature unlocks or other non-monetary benefits, as described in-app at the time they're offered, and are subject to change. Rewards have no cash value and are not transferable, exchangeable, or redeemable for cash or credit.
• Fraud and abuse. We reserve the right to withhold, revoke, or reclaim any referral reward, and to suspend or terminate access to the Referral Program (or, in cases of serious abuse, the Service itself), if we reasonably believe an account has engaged in self-referral, the use of multiple/fraudulent accounts, or any other manipulation of the program.
• Data retention.See the Privacy Policy's "Referral Program" section for what's collected and what's retained after account deletion.

Promo Offers

Where Is My Money? may, at our sole discretion, grant free Premium access to specific accounts through a Promo Offer (for example, to collaborators, partners, or other accounts we select).

• Invitation-based, not open enrollment.Unlike the Referral Program, Promo Offers are not something any account can opt into or generate — each offer is created and assigned by us, and is either visible to every signed-in account or restricted to specific accounts we designate. There is no code you can type in or request; an offer is either shown to your account in the app or it isn't.
• Eligibility. Viewing or applying a Promo Offer requires signing in with a Google account (or an available alternative sign-in method).
• One offer per account, ever. Each account may apply, at most, one Promo Offer, for the lifetime of that account. Offers cannot be stacked, combined, switched, or reapplied once one has been used.
• What it grants. Each offer grants Premium access for the specific period or benefit described in that offer at the time you apply it (for example, a specific calendar month). A Promo Offer is not a subscription — it does not renew, and does not continue automatically once its period ends.
• Interaction with a paid subscription.A paid Premium subscription always takes precedence over a Promo Offer. If you have an active paid subscription, applying a Promo Offer will have no additional effect while that subscription remains active; conversely, if a paid subscription you're on ever lapses while an applied offer's period is still current, Premium access through that offer resumes automatically. Applying a Promo Offer never affects, cancels, or interferes with a separate paid subscription.
• Changes and revocation.We may modify, deactivate, or revoke any Promo Offer, or any account's access to one, at any time and without notice — including after it has already been applied — for example in the event of an error, a change in eligibility, or suspected abuse.
• No cash value. Promo Offers have no cash value and are not transferable, exchangeable, sellable, or redeemable for cash or credit.
• Fraud and abuse. We reserve the right to withhold, revoke, or reclaim access granted through a Promo Offer, and to suspend or terminate access to Promo Offers (or, in cases of serious abuse, the Service itself), if we reasonably believe an account has engaged in fraud, misrepresentation, or any other manipulation of the program.
• Data retention.See the Privacy Policy's "Promo Offers" section for what's collected and what's retained after account deletion.

Termination

We may terminate or suspend your access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms.

Upon termination, your right to use the Service will cease immediately.

Limitation of Liability

In no event shall Where Is My Money?, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from:

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

Disclaimer

The Service is provided on an "AS IS" and "AS AVAILABLE" basis. The Service is provided without warranties of any kind, whether express or implied, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, or course of performance.

Financial calculations, projections, and figures shown in the Service (including but not limited to expected returns, tax estimates, and affordability scores) are estimates for informational purposes only, are not financial, tax, or legal advice, and should not be relied upon as such.

Governing Law

These Terms shall be governed and construed in accordance with the laws of the jurisdiction in which Where Is My Money? operates, without regard to its conflict of law provisions.

Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect.

By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.

Contact Us

If you have any questions about these Terms of Service, please contact us:

• By email: support@mail.paulkreations.com
• By visiting: paulkreations.com/wimm