Terms of Service

Who we are

WealthR is a personal finance tracking application built and operated by Kanehouse, based in Edinburgh, Scotland. References to "WealthR", "we", "us" or "our" throughout these terms refer to Kanehouse.

Our service is available at wealthr.co.uk and as a Progressive Web App installable on iOS and Android devices.

Accepting these terms

By registering for an account or using any part of WealthR, you confirm that:

• You are at least 18 years old
• You have read and understood these terms and our Privacy Policy
• You agree to be bound by these terms in full
• Where you are using WealthR on behalf of a business, you have authority to bind that business to these terms

We may update these terms from time to time. We will notify you of significant changes by email or via an in-app notice. Continued use of WealthR after changes are posted constitutes acceptance of the revised terms.

What WealthR is — and isn't

WealthR is a personal finance tracking and visualisation tool. It helps you record, organise and understand your financial position over time.

WealthR does not provide financial advice. Nothing displayed within the application — including forecasts, projections, scenario modelling, FIRE calculations, return estimates, tax calculations or any other figures — constitutes financial advice, investment advice, tax advice or any regulated financial service.

The tax calculator uses standard HMRC published rates and is provided for illustration only. It does not account for all personal circumstances, reliefs or allowances. It is not a substitute for advice from a qualified tax adviser.

All projections and estimates are mathematical models based on the data you enter. They are illustrative only. Past performance data you enter does not guarantee future results.

Your account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You must:

• Provide accurate information when creating your account
• Keep your password secure and not share it with others
• Notify us immediately if you suspect unauthorised access to your account
• Not create multiple accounts to circumvent any restrictions or limitations

We reserve the right to suspend or terminate accounts that we believe have been compromised, are being used fraudulently, or are in breach of these terms.

Your data

All financial data you enter into WealthR belongs to you. We do not claim any ownership over it.

You can delete your account and all associated data at any time from the Settings tab. Deletion is permanent and irreversible — we do not retain your financial data after account deletion.

We do not sell, rent, license or otherwise transfer your personal financial data to third parties. For full details of how we handle your data, please read our Privacy Policy.

You grant us a limited licence to store, process and display your data for the sole purpose of providing the WealthR service to you. This licence ends when you delete your account.

Acceptable use

You agree to use WealthR only for lawful purposes and in a way that does not infringe the rights of others. You must not:

• Use WealthR for any illegal purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorised access to our systems, other users' accounts, or any part of the service
• Reverse-engineer, decompile or attempt to extract the source code of WealthR
• Use automated tools, bots or scrapers to access the service in a way that exceeds normal personal use
• Introduce malicious code, viruses or any material that is harmful to our systems or other users
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Use the service to process data belonging to other individuals without their explicit consent

Intellectual property

WealthR — including its design, code, guides, written content, branding and all other elements — is the intellectual property of Kanehouse. All rights are reserved.

You may not reproduce, distribute, modify or create derivative works from any part of WealthR without our prior written consent.

Your own financial data remains your intellectual property at all times.

Service availability

We aim to keep WealthR available and running smoothly, but we cannot guarantee uninterrupted, error-free access. The service is provided on an "as is" and "as available" basis.

We may need to take the service offline temporarily for maintenance, updates or to address security issues. Where possible, we will provide advance notice of planned downtime.

We are not liable for any loss, damage or inconvenience caused by unavailability of the service.

Limitation of liability

To the fullest extent permitted by applicable law, Kanehouse shall not be liable for:

• Any financial decisions you make based on information displayed in WealthR
• Any loss of data, loss of profits, or indirect or consequential losses arising from your use of the service
• Any inaccuracies in projections, forecasts or calculations resulting from data you have entered
• Any losses arising from unauthorised access to your account where you have not taken reasonable steps to protect your credentials

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.

Our total liability to you for any claim arising out of or in connection with these terms or your use of WealthR shall not exceed the total amount you have paid to us in the twelve months preceding the claim (or £100 if you have paid nothing).

Pricing and future changes

WealthR is currently available free of charge. We may introduce paid features or plans in the future. If we do, we will provide clear advance notice and existing free features will remain accessible or you will be given reasonable time to decide whether to continue.

We reserve the right to modify, suspend or discontinue any part of the service at any time. Where a change materially affects your use of the service, we will provide at least 30 days' notice where reasonably practicable.

Termination

You may stop using WealthR and delete your account at any time via the Settings tab. Deletion is immediate and permanent.

We may suspend or terminate your access to WealthR if you breach these terms, engage in behaviour we consider harmful to other users or our systems, or if we are required to do so by law.

On termination, your licence to use WealthR ends. Sections of these terms that by their nature should survive termination — including intellectual property, limitation of liability, and dispute resolution — shall continue to apply.

Governing law and disputes

These terms are governed by the laws of Scotland. Any disputes arising from these terms or your use of WealthR will be subject to the exclusive jurisdiction of the Scottish courts.

Before raising a formal dispute, we encourage you to contact us directly at the address below — we will always try to resolve issues fairly and promptly.

Contact us

If you have any questions about these terms, please contact us via the in-app support form (Settings → Contact us) or by writing to:

Kanehouse
Edinburgh, Scotland, UK
Via WealthR: wealthr.co.uk

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