Terms of Use

1. Introduction & Acceptance of Terms

These Terms of Use ("Terms") govern your access to and use of the Wallymanager application ("Service"), operated by Wallymanager, a company registered in the Republic of Bulgaria. By creating an account, accessing, or using the Service in any way, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service. These Terms constitute a legally binding agreement between you ("User") and Wallymanager.

2. User Accounts

To use the Service, you must register and create an account by providing accurate, current, and complete information. You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify Wallymanager immediately of any unauthorized use of your account. Wallymanager reserves the right to suspend or terminate your account at its sole discretion if you violate these Terms or engage in activities that may harm the Service or other users. You may link third-party accounts (e.g., Google) for authentication purposes; by doing so, you authorize Wallymanager to access certain information from those accounts in accordance with our Privacy Policy. You may deactivate your account at any time through the Settings menu.

3. Services Provided

Wallymanager provides a personal finance management platform that includes, but is not limited to: digital wallet management for organizing and tracking your funds; payment tracking and transaction recording; financial planning tools including calendars, charts, and budgeting features; savings goal tracking; and financial insights and analytics. All financial data, insights, charts, and planning tools provided through the Service are for informational purposes only and do not constitute financial, investment, tax, or legal advice. You are solely responsible for your own financial decisions. Wallymanager is not a bank, financial institution, or licensed financial advisor.

4. Fees & Payments

Certain features of the Service may require a paid subscription. All applicable fees will be clearly presented to you before purchase. Payments are processed through authorized third-party payment providers. Subscriptions automatically renew at the end of each billing period unless cancelled by you before the renewal date. You may cancel your subscription at any time through the Settings menu. Refunds are handled in accordance with the applicable laws of the Republic of Bulgaria and the European Union, including the Consumer Protection Act. Wallymanager reserves the right to modify pricing with reasonable prior notice to active subscribers.

5. User Conduct

You agree not to use the Service for any unlawful, fraudulent, or unauthorized purpose. Prohibited activities include but are not limited to: attempting to gain unauthorized access to the Service or its systems; transmitting malware, viruses, or any harmful code; impersonating another person or entity; using the Service to facilitate money laundering, fraud, or any other illegal financial activity; interfering with or disrupting the integrity or performance of the Service; reverse engineering, decompiling, or disassembling any part of the Service; and using automated tools (bots, scrapers) to access the Service without prior written consent. Wallymanager reserves the right to investigate and take appropriate legal action against anyone who violates these provisions.

6. Data & Privacy

Your privacy is important to us. Our collection, use, storage, and protection of your personal data is governed by our Privacy Policy, which is incorporated into these Terms by reference. Wallymanager processes personal data in compliance with the General Data Protection Regulation (GDPR — Regulation (EU) 2016/679) and the Bulgarian Personal Data Protection Act. By using the Service, you consent to the collection and processing of your data as described in the Privacy Policy. Wallymanager may use anonymized and aggregated data for analytics, research, and service improvement purposes. You have the right to access, rectify, erase, restrict, or port your personal data, as well as the right to object to processing, in accordance with applicable data protection laws.

7. Intellectual Property

All content, features, functionality, design, text, graphics, logos, icons, images, and software of the Wallymanager application are the exclusive property of Wallymanager and are protected by Bulgarian and international intellectual property laws, including copyright, trademark, and patent laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes in accordance with these Terms. You may not copy, modify, distribute, sell, lease, or create derivative works based on any part of the Service without the prior written consent of Wallymanager.

8. Disclaimers & Limitation of Liability

The Service is provided on an "as is" and "as available" basis without warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. Wallymanager does not warrant that the Service will be uninterrupted, error-free, or secure. To the maximum extent permitted by the laws of the Republic of Bulgaria and the European Union, Wallymanager shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising out of or related to your use of or inability to use the Service. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

9. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the Republic of Bulgaria, without regard to its conflict of law provisions. Any disputes arising out of or in connection with these Terms or the use of the Service shall first be attempted to be resolved through good-faith negotiation between the parties. If a resolution cannot be reached within 30 days, the dispute shall be submitted to the exclusive jurisdiction of the competent courts of the Republic of Bulgaria. For consumers residing in the European Union, this clause does not affect your rights under mandatory consumer protection legislation of your country of residence. You may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.

10. Changes to Terms & Contact Information

Wallymanager reserves the right to modify or update these Terms at any time. When material changes are made, we will notify you through the application or via email at least 14 days before the changes take effect. Your continued use of the Service after such notice constitutes your acceptance of the updated Terms. If you do not agree with the changes, you must stop using the Service and deactivate your account. For any questions, concerns, or requests regarding these Terms, please contact us at [email protected].

If you have any questions about these Terms, please contact us at [email protected].