Terms of Service

1. Acceptance

Using Welfi means you accept these Terms and our Privacy Policy. You must be at least 18 years old to use Welfi.

2. The service

Welfi is a personal finance app for tracking accounts, budgeting, multi-currency and asset tracking, reporting, and an educational AI assistant that helps you understand your own financial data.

3. Not financial advice

Welfi, including its AI assistant, provides general educational information only. It does not provide financial, investment, tax, or legal advice and is not a licensed financial or investment advisor.

Nothing in the app is a recommendation to buy, sell, hold, or allocate into any specific investment, security, or asset. You are solely responsible for your own financial decisions. For personal investment advice, consult a licensed professional.

4. Forecasts are estimates

Projected balances, net worth, retirement figures, goal timelines, and similar forecasts are illustrative estimates based on assumptions you set or that the app infers. They are not guarantees of future results.

5. Your account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. You may delete your account and all associated data at any time from within the app.

6. Acceptable use

You agree not to misuse the service, including by attempting to scrape, reverse engineer, disrupt, or gain unauthorized access to the app or other users’ data.

7. Pricing and subscriptions

Welfi offers a 14-day free trial with no payment method required. After the trial, continued access requires a paid subscription. Core is AED 19/month (or AED 159/year), and Premium — which adds the AI Wealth Advisor and net-worth forecasting — is AED 39/month (or AED 329/year). Prices are shown in your local currency where available and billed in USD; applicable taxes may be added at checkout. Subscriptions renew automatically at the end of each billing period until cancelled, and you may cancel at any time before renewal. Purchases made through the Apple App Store are subject to Apple’s payment terms and refund policies; purchases made on the web are processed by our payment provider (Paddle) acting as merchant of record. Prices are current as of the date above and may change with notice.

8. Disclaimers and limitation of liability

The service is provided “as is” and “as available” without warranties of any kind, express or implied. To the maximum extent permitted by applicable law, Welfi and its operator are not liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to financial losses, data loss, or reliance on AI-generated content.

9. Governing law and disputes

These Terms are governed by applicable law. Any disputes shall first be addressed through good-faith negotiation by contacting us at info@welfi-app.com. If a dispute cannot be resolved informally, it shall be submitted to binding arbitration or the courts of competent jurisdiction.

10. Changes and contact

We may update these Terms from time to time; continued use after changes means you accept them. Questions: info@welfi-app.com.