Terms of Service

These Terms of Service ("Terms") govern your use of https://www.walletwise.co (the "Site"), operated by [LEGAL ENTITY NAME], LLC d/b/a Walletwise ("Walletwise," "we," "us," or "our"). By using the Site, you agree to these Terms.

1. Educational purpose only

Walletwise is an independent educational resource. We are not a bank, lender, broker-dealer, registered investment advisor, credit counseling agency, or government agency, and we are not affiliated with any government agency, financial institution, or school. Content is for general educational purposes only and is not personalized financial, legal, tax, or investment advice. Nothing on the Site should be construed as financial, legal, tax, or investment advice, or as a recommendation to buy, sell, or hold any financial product. You are solely responsible for evaluating the merits and risks of any decision you make.

2. Use of the Site

You may use the Site for lawful, personal, non-commercial purposes. You agree not to: misuse or interfere with the Site's operation; attempt unauthorized access to our systems; scrape or reproduce our content at scale without permission; or use the Site in a way that violates applicable law.

3. Tools and calculators

Our calculators and checklists (including the Budget Calculator, Payoff Planner, and Emergency Fund Readiness Checklist) are simplified, general-purpose tools intended to illustrate concepts. They run entirely in your browser; we do not store the figures you enter. Results are estimates only and may not reflect your actual financial situation.

4. Intellectual property

The text, graphics, and other content on the Site are owned by or licensed to Walletwise and are protected by copyright and other laws. You may view and share our content for personal, non-commercial use with attribution, but may not republish it as your own without our written permission.

5. Third-party links

The Site may link to third-party websites (for example, government resources) for your convenience. We do not control and are not responsible for the content, accuracy, or practices of third-party sites.

6. Disclaimer of warranties

The Site and its content are provided "as is" and "as available," without warranties of any kind, express or implied. We do not warrant that the Site will be uninterrupted, error-free, or that content is complete, accurate, or current.

7. Limitation of liability

To the fullest extent permitted by law, Walletwise shall not be liable for any indirect, incidental, or consequential damages arising from your use of, or inability to use, the Site or its content.

8. Optional messaging program

Our optional Get Updates program (email and/or SMS) is governed by our SMS Terms & Conditions and Privacy Policy, in addition to these Terms.

9. Changes to these Terms

We may revise these Terms from time to time. Continued use of the Site after changes take effect constitutes acceptance of the revised Terms.

10. Contact us

[LEGAL ENTITY NAME], LLC d/b/a Walletwise
[STREET ADDRESS], [CITY, STATE ZIP]
[BUSINESS PHONE NUMBER]
support@walletwise.co