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; optionally ask the Wally AI assistant questions; optionally create a reviewable expense draft from a receipt photo; optionally back up data via Google Drive; and optionally connect Wally to ChatGPT, Claude, or another AI assistant to ask about and change your records in a chat.
2. User Accounts
2.1 Authentication
The App supports sign-in via Google (Android and iOS) and Apple (iOS only), both managed through Firebase Authentication. By creating an account you also agree to the applicable provider’s terms of service (Google or Apple).
2.2 Account Deletion
You may delete your account at any time from Settings. Deletion permanently removes all local data, erases cloud backups (if any), deletes your Firebase account, and revokes authentication tokens. This action is irreversible. Users without a sign-in account may reset all data via Settings → Delete All Data & Reset.
2.3 Your Responsibility
You are solely responsible for the security of your account credentials (Google or Apple) 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 upload identity documents or images containing third-party personal data without a lawful basis
- 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 (Google and Apple Sign-In) and the Google Drive API — governed by Google's Terms of Service and Privacy Policy.
Apple Sign-In
On iOS, the App offers Sign in with Apple via Apple’s AuthenticationServices framework and Firebase. Use of Apple Sign-In is governed by Apple’s Terms.
Firebase Analytics
The App uses 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
The App uses 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.
Mistral AI
Wally questions and receipt recognition are optional AI features provided through Mistral AI. Before the first transmission, the App identifies the provider, describes the data involved, links to the Privacy Policy, and asks for explicit consent. You may decline or later withdraw consent without losing manual record entry or other non-AI functionality.
AI responses and extracted receipt fields may be incomplete, incorrect, duplicated, or misleading. They are drafts only. You must verify the merchant, amount, currency, date, category, and every other field before saving or relying on a result. The App never saves a receipt-derived record automatically.
ChatGPT, Claude, and other AI assistants
The Wally connector (“Wally: Budget Tracker”) is optional. When you add it to ChatGPT (OpenAI), Claude (Anthropic), or another AI assistant and sign in with Google, the assistant can read your records, balances, and totals and add, edit, or delete records in your Google Drive data on your instructions. Your use of the assistant is governed by its provider's terms and privacy policy, and we are not responsible for that service, its availability, or how it handles your conversations.
The assistant decides which actions to take from your messages and can misunderstand them. Check the records it adds or changes; the result cards offer Undo after adding, and deleted records can be restored. Changes reach the App on its next sync. The connector is limited to 500 requests per user per day, and we may change, limit, or stop it at any time.
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; that AI output or receipt recognition will be correct; 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.