Last updated: August 18, 2026
Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before downloading, installing, accessing, or using the Money Wise mobile application (the "Application", "Service", or "App").
Words with capitalized initial letters have meanings defined under the following conditions. The following definitions have the same meaning regardless of whether they appear in singular or in plural.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms. These Terms apply to all users and others who download, access, or use the Service.
By downloading, installing, or using the Service, You agree to be bound by these Terms. If You disagree with any part of these Terms, You may not download, install, access, or use the Service.
You represent and warrant that You are at least 18 years of age (or the legal age of majority in your jurisdiction) and possess the full legal capacity to enter into a binding agreement. The Service is not intended for individuals under 18 years of age.
Important Notice on Local Data: Money Wise is a privacy-first, on-device budgeting tool. All User Data is stored exclusively and locally on Your Device (or Your personal OS-managed backup, such as Apple iCloud or Google Drive backup, if enabled by You).
THE APPLICATION IS AN ORGANIZATIONAL AND CALCULATION TOOL FOR PERSONAL INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.
The Application may offer paid features, including one-time purchases (e.g., Lifetime Access) and recurring Subscriptions. All payments and financial transactions are processed exclusively through the respective Application Store (Apple App Store or Google Play Store) using Your Application Store account. The Company does not collect, store, or process Your credit card or billing details. To manage entitlements (i.e., to recognize which features Your purchase unlocks), the Application uses RevenueCat, a subscription infrastructure provider, which receives purchase receipts and an anonymous app-level identifier from the Application Store on the Company's behalf — see our Privacy Policy for details.
If You purchase a Subscription:
You may cancel Your Subscription at any time through Your Application Store account settings:
Note: Simply uninstalling or deleting the Application from Your Device does not cancel Your Subscription. You must actively cancel it through the Application Store.
The Company may offer Subscriptions with a free trial period. If You do not cancel the Subscription before the expiration of the free trial period, Your Application Store account will be automatically charged the standard Subscription fee for the chosen plan. Cancellation must occur at least 24 hours before the free trial concludes to avoid charges.
The Company reserves the right to modify Subscription fees at any time. Any fee changes will be communicated in advance in accordance with the terms and policies of the applicable Application Store and will apply only to subsequent billing cycles.
All purchases and Subscription payments are governed by the refund policies of the applicable Application Store:
Subject to Your strict compliance with these Terms, the Company grants You a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to download, install, and use the Application on Devices owned or controlled by You, solely for Your personal, non-commercial use.
You agree that You will not, and will not permit any third party to:
The Application, including all trademarks, logos, visual interfaces, graphics, design, compilation, and software code, is the exclusive intellectual property of the Company and its licensors.
You acknowledge and agree that these Terms are concluded strictly between You and the Company, and not with Apple Inc. or Google LLC. Apple Inc. and Google LLC are not responsible for the Application, its content, or maintenance and support services.
To the maximum extent permitted by applicable law, Apple Inc. and Google LLC have no warranty obligation whatsoever with respect to the Application. Apple Inc., Google LLC, and their subsidiaries are third-party beneficiaries of these Terms and, upon Your acceptance of these Terms, will have the right to enforce these Terms against You as a third-party beneficiary.
We may terminate or suspend Your right to use the Service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms.
Upon termination, Your license to use the Service will immediately cease. You may terminate these Terms at any time by deleting the Application from all Devices in Your possession and cancelling any active Subscriptions.
THE SERVICE IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITH ALL FAULTS AND DEFECTS, WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY OR REPRESENTATION THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, ACHIEVE ANY INTENDED FINANCIAL RESULTS, BE ACCURATE, UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DEFECTS WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS AFFILIATES, DIRECTORS, EMPLOYEES, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING DAMAGES FOR LOSS OF PROFITS, LOSS OF FINANCIAL DATA, BUSINESS INTERRUPTION, OR DEVICE FAILURE), ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
TO THE EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF THE COMPANY FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL BE LIMITED TO THE AMOUNT ACTUALLY PAID BY YOU TO THE COMPANY FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM, OR FIFTY US DOLLARS ($50.00 USD), WHICHEVER IS GREATER.
You agree to defend, indemnify, and hold harmless the Company from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or in any way connected with Your access to or use of the Service, Your violation of these Terms, or Your financial decisions made in connection with the Application.
These Terms and Your use of the Service shall be governed by and construed in accordance with the laws of Costa Rica, without regard to its conflict of law principles.
If You have any concern or dispute regarding the Service, You agree to first attempt to resolve the dispute informally by contacting the Company directly. Any legal action or proceeding arising out of or related to these Terms that cannot be resolved informally shall be submitted to the competent courts of San José, Costa Rica, without prejudice to any mandatory consumer protection rights granted to You under local law in Your country of residence.
Severability: If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision will be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions will remain in full force and effect.
Waiver: The failure of the Company to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. When updates occur, We will update the "Last updated" date at the top of these Terms. Material changes may also be communicated within the Application or through our website.
By continuing to access or use Our Service after revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, You must stop using the Service and uninstall the Application.
If You have any questions, concerns, or feedback regarding these Terms and Conditions, You can contact us: