1. Description of Service
Wally (Watch My Wallet) is a personal finance tracking app. It lets you record income, expenses, and transfers; manage wallets in 260+ currencies including 90+ cryptocurrencies; view exchange rates; schedule recurring transactions; analyse spending; manage multiple profiles; and optionally back up data via Google Drive.
2. User Accounts
2.1 Authentication
We use Firebase Authentication (Google) for sign-in. By creating an account you also agree to Google's Terms of Service.
2.2 Your Responsibility
You are solely responsible for the security of your Google account credentials and any passphrase you set in the App. We are not responsible for losses arising from unauthorised access to your account.
3. Licence to Use
We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App on your personal devices for personal, non-commercial purposes.
You must not reverse-engineer, copy, modify, or commercially exploit the App without our written consent.
4. Subscriptions and Payments
We may offer Premium subscription features in the future. Payments would be processed by Google Play (Android) or the App Store (iOS) — we do not collect payment card data directly.
Subscriptions auto-renew until cancelled. Refund requests are governed by the applicable platform's refund policy.
5. Prohibited Uses
You agree not to use the App:
- for any unlawful purpose
- to process others' data without consent
- to circumvent security or encryption features
- to scrape data via automated means
- for commercial purposes without our prior written consent
6. Data and Aggregated Information
All financial records you enter remain your property.
We may collect and use aggregated, anonymised, de-identified data derived from user activity ("Aggregated Data"). Aggregated Data does not identify you and is not personal data under GDPR.
We may use or license Aggregated Data for any lawful purpose, including sharing with third parties for commercial use. No compensation is owed to you for this.
7. Third-Party Services
Google & Firebase
The App uses Firebase Authentication and the Google Drive API — all governed by Google's Terms of Service and Privacy Policy.
Firebase Analytics
Both the Android and iOS versions of the App use Firebase Analytics to collect anonymised usage data (screen views, feature usage, anonymised amount ranges). Exact financial amounts are never sent. See our Privacy Policy for details.
Firebase Crashlytics
Both platforms use Firebase Crashlytics to collect crash reports, non-fatal error logs, and performance diagnostics. This data is not linked to your personal identity and is used solely for app stability monitoring and bug fixing.
Currency Rates
Exchange rates are sourced from two open-source services, called in parallel:
- Currency API (
cdn.jsdelivr.net/npm/@fawazahmed0/currency-apiwith fallback tocurrency-api.pages.dev) — provides rates for 149+ fiat and cryptocurrency pairs - Frankfurter API (
api.frankfurter.app) — provides fiat currency rates sourced from the European Central Bank
Frankfurter rates take priority for fiat currencies where both sources overlap. No personal or financial data is sent in these requests. Rates are cached locally for up to 12 hours.
We make no warranty as to the accuracy or timeliness of displayed rates, including cryptocurrency rates. Do not rely on them for real financial transactions, tax reporting, or any other consequential purpose.
App Store Platforms
On Android, purchases are handled by Google Play; on iOS, by the Apple App Store. Both are governed by their respective platform terms.
8. Disclaimer of Warranties
The App is provided "as is" and "as available" without warranties of any kind — express or implied — including merchantability, fitness for a particular purpose, or non-infringement.
We do not warrant that the App will be uninterrupted, error-free, or secure; that data will be accurate or complete; or that defects will be corrected.
9. Limitation of Liability
To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages — including loss of profits, data, or financial losses from reliance on the App or its exchange rate data.
Our total liability for any claim shall not exceed the greater of:
- subscription fees you paid us in the preceding 12 months, or
- €10
10. Indemnification
You agree to defend and hold us harmless from any claims, damages, or legal costs arising from your violation of these Terms, your use of the App, or financial decisions you make based on information in the App.
11. Changes to Service
We may modify, suspend, or discontinue the App or any feature at any time with or without notice. We may also remove previously free features or introduce payment for them.
12. Termination
You may stop using the App at any time.
We may suspend or terminate your access immediately for breach of these Terms. Upon termination your licence ends, and we may delete your data per our Privacy Policy.
13. Governing Law
These Terms are governed by the laws of the Republic of Latvia and, where applicable, EU law. You submit to the exclusive jurisdiction of Latvian courts, subject to any mandatory consumer law rights in your country of residence.