Terms of Service

Last updated: January 4, 2026

Welcome to Happy Wallet. By downloading, installing, or using our application, you agree to be bound by these Terms of Service. Please read them carefully.

1. Acceptance of Terms

By accessing or using Happy Wallet ("the App"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Description of Service

Happy Wallet is a personal finance management application that allows you to:

• Track income and expenses
• Create and manage budgets
• Set and monitor savings goals
• Export financial data
• Manage multiple accounts

The App operates entirely offline and stores all data locally on your device.

3. License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes, subject to these Terms. This license does not include the right to:

• Modify, reverse engineer, or decompile the App
• Use the App for any commercial purpose
• Copy, distribute, or sublicense the App
• Remove any proprietary notices from the App

4. User Responsibilities

You are responsible for:

• Maintaining the security of your device
• Backing up your data through the App's export feature if desired
• Ensuring the accuracy of any data you enter
• Using the App in compliance with applicable laws

5. Financial Disclaimer

Happy Wallet is not a financial advisory service. The App is designed to help you track and organize your personal finances. It does not provide:

• Financial advice or recommendations
• Investment advice
• Tax advice
• Accounting services

You should consult with qualified professionals for financial, tax, or legal advice. Any financial decisions you make based on information in the App are your sole responsibility.

6. Data and Privacy

All data you enter into Happy Wallet is stored locally on your device. We do not have access to your data. For more details, please review our Privacy Policy.

Important: If you uninstall the App, delete the App's data, or lose your device, your data will be lost unless you have exported it beforehand. We cannot recover lost data.

7. Disclaimer of Warranties

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or reliability of data

We do not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components.

8. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Happy Wallet, its developers, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits or revenue
• Loss of data
• Financial losses resulting from use of the App
• Any other intangible losses

Our total liability for any claims arising from your use of the App shall not exceed the amount you paid for the App (which is zero, as the App is free).

9. Indemnification

You agree to indemnify and hold harmless Happy Wallet and its developers from any claims, damages, losses, or expenses (including legal fees) arising from your use of the App or violation of these Terms.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted on this page. Your continued use of the App after changes are posted constitutes your acceptance of the modified Terms.

11. Termination

You may stop using the App at any time by uninstalling it from your device. We reserve the right to discontinue the App or modify its features at any time without notice.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Happy Wallet regarding the use of the App.