Terms of Service

These Terms of Service, together with our Privacy Policy (collectively, the “Terms”), form a legally binding agreement between you (“you” or “your”) and WealthyFi Technologies Inc. (“WealthyFi,” “we,” “us,” or “our”), a company incorporated in Ontario, Canada. They govern your access to and use of the WealthyFi mobile application, website, and related services (together, the “Service”). They also serve as the end-user license agreement (EULA) for the WealthyFi app.

By creating an account, downloading or installing the app, connecting a financial account, or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not access or use the Service.

If you are using the Service on behalf of another person or an organization, you represent that you are authorized to accept these Terms on their behalf.

WealthyFi is a personal-finance information and education tool built for people in Canada. When you securely connect your accounts, the Service can bring your balances, transactions, income, and holdings into one place so you can see your net worth, understand your cash flow, analyze your spending, detect recurring charges and subscriptions, set budgets, and explore general wealth-building strategies, including how registered accounts such as the TFSA, RRSP, and FHSA generally work. Amounts are shown in Canadian dollars (CAD).

The Service also includes an AI money coach that answers your questions and offers general, educational guidance based on a summarized view of your finances. The Service is intended for your personal, non-commercial use.

To use the Service, you must:

• be at least the age of majority in your province or territory of residence (18 or 19, depending on where you live) and able to form a legally binding contract;
• be a resident of Canada, as the Service is designed around Canadian accounts, currency, and registered account types; and
• not be barred from using the Service under the laws of Canada or your jurisdiction.

The Service is not directed to children and is not intended for anyone under the age of majority. If we learn that we have collected information from someone who does not meet the eligibility requirements, we may suspend or terminate the account.

To use most features you must create an account and provide accurate, current, and complete information. You agree to keep it up to date. You are responsible for:

• maintaining the confidentiality of your login credentials and any device you use to access the Service;
• all activity that occurs under your account, whether or not you authorized it; and
• notifying us promptly at hello@wealthyfi.app if you suspect any unauthorized access to or use of your account.

Accounts are personal to you and may not be shared, sold, or transferred. We are not liable for any loss arising from unauthorized use of your account that results from your failure to safeguard your credentials.

You can connect bank, credit-card, and investment accounts to WealthyFi through Plaid, a third-party account-connectivity provider. When you connect an account, you authorize Plaid and WealthyFi to access certain information from that account on a read-only basis, so that WealthyFi can display and analyze it for you.

Your connection to your financial institutions is facilitated by Plaid and governed by Plaid’s own end-user terms and privacy policy. The information shown in the Service depends on data supplied by your financial institutions and Plaid, which may be delayed, incomplete, or contain errors; WealthyFi does not guarantee its accuracy, completeness, or timeliness and is not the source of record for your accounts. Always rely on your financial institution’s official statements. You may disconnect a linked account at any time from within the app.

This is one of the most important parts of these Terms. Please read it carefully.

WealthyFi is not a registered investment dealer, portfolio manager, investment fund manager, exempt-market dealer, financial planner, tax advisor, or law firm, and no content in the Service is provided by a person registered or licensed to give such advice. Using the Service does not create an advisory, fiduciary, brokerage, or professional-client relationship between you and WealthyFi.

Any insights, projections, budgets, strategies, or references to accounts such as the TFSA, RRSP, or FHSA are general in nature, may not reflect your full circumstances, and may not be suitable for you. Your financial decisions are your own. Before acting on anything you see in the Service, you should do your own research and consult a qualified, licensed professional (such as a registered advisor, accountant, or lawyer) about your specific situation. Past performance is not indicative of future results, and all investing involves risk, including the possible loss of principal.

When you use the AI coach, your questions and a minimized, aggregated summary of your financial context are sent to a third-party large-language-model provider (accessed through OpenRouter) to generate a response. Your raw, full account numbers and login credentials are never sent to the AI provider.

AI-generated content is produced automatically and may be inaccurate, incomplete, out of date, or otherwise wrong, and can occasionally state something confidently that is not true. It is provided for general educational purposes only and, like the rest of the Service, is not financial, investment, tax, or legal advice (see Section 6).

• Verify before you act. Do not rely on the AI coach as your sole basis for any financial decision. Independently confirm anything important and consult a licensed professional where appropriate.
• You are responsible for how you use outputs. WealthyFi is not liable for decisions you make based on AI-generated content.
• Use it in good faith. Do not attempt to use the AI coach to generate unlawful, abusive, or misleading content, or to extract other users’ information.

Some features of the Service are free, and certain features may require a paid plan or subscription. Where a paid plan applies, the current pricing, billing period, and what is included are shown in the app before you purchase.

• Purchases, renewals, and cancellations of paid plans are processed and managed through the applicable app store or platform (for example, the Apple App Store or Google Play), subject to that store’s terms.
• Subscriptions may renew automatically at the end of each billing period unless you cancel beforehand through your app-store account settings; managing or cancelling a subscription is done there, not by us directly.
• Prices are in Canadian dollars unless stated otherwise and may exclude applicable taxes. We may change our prices and plan features on a going-forward basis; changes will not affect a billing period you have already paid for.
• Except where required by applicable law or an app-store policy, payments are non-refundable.

You agree not to, and not to attempt to:

• use the Service for any unlawful, fraudulent, or unauthorized purpose, or in violation of these Terms or any applicable law;
• connect financial accounts that you do not own or are not authorized to access, or use another person’s financial data without their permission;
• copy, modify, reverse engineer, decompile, disassemble, or attempt to derive the source code of the app, except to the extent this restriction is prohibited by applicable law;
• scrape, harvest, or systematically extract data from the Service, or access it through automated means, other than as expressly permitted;
• interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service, our systems, or other users’ accounts or data, or circumvent any security or usage limit;
• resell, sublicense, rent, or commercially exploit the Service or its content without our prior written consent; or
• upload or transmit malicious code, or use the Service in any way that could damage, disable, or impair it.

We may investigate and take appropriate action, including suspending or terminating accounts, for any conduct that we reasonably believe violates these Terms or harms the Service or others.

The Service relies on and interoperates with third-party services, including Plaid (account connections), your financial institutions, our AI inference provider accessed through OpenRouter, email delivery, push-notification delivery, and cloud hosting providers. Your use of those third-party services may be subject to their own terms and privacy policies, and you are responsible for reviewing and complying with them.

We do not control third-party services and are not responsible for their acts, omissions, availability, accuracy, or content. Any dealings you have with a third party through the Service are solely between you and that third party. Our sub-processors are described in our Privacy Policy.

The Service, including the app, website, software, design, text, graphics, logos, and the WealthyFi name and marks, and all related intellectual-property rights, are owned by WealthyFi Technologies Inc. or its licensors and are protected by Canadian and international laws.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to download and use the app and the Service for your own personal, non-commercial purposes. This license does not transfer any ownership to you, and all rights not expressly granted are reserved.

The financial data in your account is yours; we simply organize and present it for you as described in our Privacy Policy. If you send us feedback or suggestions, you grant us a non-exclusive, royalty-free, perpetual license to use them to improve the Service without any obligation to you.

Your privacy matters to us. Our Privacy Policy explains what information we collect, how we use and protect it, the sub-processors we rely on, and the choices and rights you have, including your rights under Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA) to access, export, and delete your personal information. By using the Service, you acknowledge that information will be handled as described in the Privacy Policy.

Because your financial information is highly sensitive, we treat it accordingly: connections to your accounts are read-only, data is encrypted in transit and at rest, and sensitive access tokens are additionally encrypted at the application layer.

Without limiting the above, we do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that any information, analysis, projection, or AI-generated content will be accurate, complete, reliable, or suitable for your purposes; or that data from your financial institutions or Plaid will be accurate or current. To the extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you. Nothing in these Terms limits any non-waivable rights you may have under applicable consumer-protection law.

To the fullest extent permitted by applicable law, WealthyFi Technologies Inc. and its directors, officers, employees, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, savings, data, goodwill, or investment losses, arising out of or relating to your use of (or inability to use) the Service, decisions you make based on the Service or AI-generated content, or the acts or omissions of third-party services, whether based on contract, tort, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

To the fullest extent permitted by law, our total aggregate liability arising out of or relating to these Terms or the Service will not exceed the greater of (a) the amount you paid us for the Service in the twelve (12) months before the event giving rise to the claim, or (b) CAD $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of these limitations may not apply to you, and nothing in these Terms limits liability that cannot be limited under applicable law.

You agree to indemnify, defend, and hold harmless WealthyFi Technologies Inc. and its directors, officers, employees, and suppliers from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your misuse of the Service, your violation of these Terms or any applicable law, your violation of any rights of a third party (including any financial account you connect without authorization), or content or instructions you submit to the Service.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access to the Service, in whole or in part, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or to protect the Service or other users.

On termination, your license to use the Service ends and you should stop using it. We will handle your data as described in our Privacy Policy. Provisions that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, indemnification, and governing law — will survive.

We are continually improving the Service and may add, change, or discontinue features at any time. We may also update these Terms from time to time. When we make material changes, we will update the “Last updated” date above and, where appropriate, provide additional notice within the Service.

Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree to the changes, you should stop using the Service.

These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-laws rules. Subject to any non-waivable rights you may have under applicable consumer-protection law, you agree that the courts located in Ontario, Canada will have exclusive jurisdiction over any such dispute, and you consent to their jurisdiction.

Nothing in this section deprives you of the protection of the mandatory consumer-protection laws of the province or territory in which you reside.

• Entire agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the Service and supersede any prior agreements on that subject.
• Severability. If any provision is found unenforceable, the remaining provisions stay in full force and effect.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.
• Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• Language. These Terms are drafted in English, and you agree that the English version governs.

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