Terms of Service

1. Agreement to Terms

By downloading, installing, or using Wealth Frequency ("the App"), you agree to be bound by these Terms of Service ("Terms") and our End User License Agreement (EULA). If you do not agree to these Terms, please do not use the App.

This App is licensed, not sold, to you. Your use of this App is also governed by Apple's Licensed Application End User License Agreement, available at apple.com/legal/internet-services/itunes/dev/stdeula. In the event of a conflict between these Terms and Apple's EULA, these Terms shall take precedence to the extent permitted by applicable law.

We may modify these Terms at any time. We will notify you of material changes through the App or by email. Your continued use of the App after changes constitutes acceptance of the modified Terms.

2. Description of Service

Wealth Frequency is a personal development and wealth mindset application that provides:

• A 365-day structured daily ritual journey with AI-personalized content
• Personalized affirmations, belief reframes, embodiment cues, and gratitude prompts
• Evening reflection and identity tracking features
• Desire saving and organization from the internet or manual entry
• Virtual wealth balance and income tracking
• Analytics, insights, and progress tracking

The App is designed for personal use as a self-development and personal organization tool. It uses artificial intelligence to generate content personalized to your stated identity, beliefs, and preferences.

3. User Accounts

To use certain features of the App, you must create an account. You agree to:

• Provide accurate and complete information
• Maintain the security of your account credentials
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

You must be at least 13 years old to create an account and use the App. If you are under 18, you represent that you have obtained parental or guardian consent to use the App and that your parent or guardian has read and agrees to these Terms on your behalf.

4. Acceptable Use

You agree NOT to use the App to:

• Violate any applicable laws or regulations
• Infringe on intellectual property rights of others
• Transmit malware, viruses, or harmful code
• Attempt to gain unauthorized access to our systems
• Interfere with the App's functionality or other users' access
• Use automated systems or bots without permission
• Engage in any activity that could harm our reputation

5. Content & Intellectual Property

Your Content

You retain ownership of any content you add to the App (product images, notes, etc.). By using the App, you grant us a limited license to store, process, and display your content solely to provide the service to you.

Third-Party Content

When you save products from external websites, the content (images, titles, prices) remains the property of those third parties. We do not claim ownership of such content and are not responsible for its accuracy.

AI-Generated Content

The App uses artificial intelligence to generate personalized content including affirmations, belief reframes, embodiment cues, and reflection prompts. This content is generated based on information you provide during onboarding and is intended for personal development purposes only. AI-generated content is supervised and refined but may occasionally contain inaccuracies or content that does not perfectly suit your situation. You are responsible for evaluating and applying any AI-generated content at your own discretion.

Our Content

The App, including its design, features, code, and branding, is owned by Wealth Frequency and protected by intellectual property laws. You may not copy, modify, or distribute our content without permission.

6. Disclaimers

Financial Disclaimer

• We do not provide financial, investment, or legal advice
• The balance tracking feature is for personal reference only
• We do not connect to bank accounts or financial institutions
• All financial data is manually entered and managed by you
• We are not responsible for any financial decisions you make

Wellness & Psychological Disclaimer

• The daily ritual, affirmations, and identity exercises are for personal development and self-reflection only
• AI-generated content (affirmations, reframes, embodiment cues) does not constitute professional psychological advice or therapy
• We make no claims, guarantees, or warranties regarding specific psychological, emotional, or financial outcomes
• Results described in testimonials or marketing materials are individual experiences and are not guaranteed
• References to neuroscience, behavioral psychology, and somatic therapy describe the research that informed our design — they do not mean the App is a clinical or therapeutic intervention
• If you are experiencing mental health difficulties, financial distress, or emotional crisis, please seek qualified professional help
• We are not liable for any decisions, actions, or outcomes that result from using the App or its content

For financial advice, consult a qualified financial professional. For mental health support, consult a licensed therapist or counselor.

7. Subscriptions & Payments

Wealth Frequency offers premium features through auto-renewable subscriptions. The following plans are available:

• Monthly — $9.99/month
• Annual — $49.99/year

The Annual plan includes a 7-day free trial. Prices may vary by region and are determined by the App Store.

Billing & Renewal

• Payment will be charged to your iTunes Account at confirmation of purchase.
• Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period at the cost of the chosen plan.
• Any unused portion of a free trial period, if offered, will be forfeited when the user purchases a subscription, where applicable.

Managing Subscriptions

• You can manage and turn off auto-renewal by going to your Account Settings in the App Store after purchase.
• To cancel a subscription, open Settings > Apple ID > Subscriptions on your device, select Wealth Frequency, and tap Cancel Subscription.
• Cancellation takes effect at the end of the current billing period. You will continue to have access until that date.

Refund Policy

All purchases are processed by Apple. Refund requests must be submitted through Apple's standard refund process at reportaproblem.apple.com. We cannot issue refunds directly as billing is handled entirely by Apple.

Price Changes

Prices are in USD and may vary in other countries based on exchange rates. We reserve the right to change subscription pricing. If we do, we will provide notice of the change and you will have the opportunity to accept or cancel before being charged at the new rate.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement
• We do not guarantee uninterrupted or error-free service
• We do not warrant that AI-generated content will be accurate, appropriate, or suitable for your specific situation
• We make no guarantees regarding any specific financial, psychological, emotional, or behavioral outcomes from using the App
• We are not liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill
• We are not liable for any decisions or actions you take based on content provided by the App, including AI-generated affirmations, reframes, and exercises
• Our total aggregate liability for all claims arising from or related to the App shall not exceed the amount you paid us in the 12 months preceding the claim

Some jurisdictions do not allow certain limitations of liability. In such jurisdictions, our liability shall be limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law.

9. Indemnification

You agree to indemnify and hold harmless Wealth Frequency and its affiliates from any claims, damages, or expenses arising from your use of the App or violation of these Terms.

10. Termination

We may suspend or terminate your access to the App at any time for any reason, including violation of these Terms. You may also delete your account at any time.

Upon termination, your right to use the App ceases immediately. We may delete your data in accordance with our Privacy Policy.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Ukraine, without regard to conflict of law principles. Any legal proceedings shall be conducted in the courts of Ukraine, unless otherwise required by your local consumer protection laws.

12. Dispute Resolution

If you have a dispute with us, we encourage you to first contact us at support@wealthfrequency.app so we can try to resolve it informally. We will make good-faith efforts to resolve any dispute within 30 days of receiving your notice.

If informal resolution fails, any dispute arising from or relating to these Terms shall be resolved through binding arbitration, except for claims that may be brought in small claims court. The arbitration shall be conducted in English. Nothing in this section prevents either party from seeking injunctive relief in court for matters requiring urgent protection.

If you are a consumer in the European Union, you retain the right to bring claims in your local courts under mandatory consumer protection laws, and you may also use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions of these Terms shall remain in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Wealth Frequency regarding the use of the App and supersede all prior agreements, understandings, and communications, whether written or oral.

15. Contact Information

For questions about these Terms, please contact us:

• Email: support@wealthfrequency.app
• Support: wealthfrequency.app/support