TERMS OF SERVICE

Effective date: 17 July 2026

1. INTRODUCTION AND ACCEPTANCE OF TERMS

Welcome to Worthi. These Terms of Service ("Terms") form a legally binding agreement between you ("User", "you") and Márk Dávid Bíró, a sole proprietor (egyéni vállalkozó) operating under the laws of Hungary, registered seat at 5462 Cibakháza, Öregszőlő I. út 21., Hungary, tax number 55615910-2-36, EU VAT number HU55615910 ("Worthi", "we", "us", "our"), governing your access to and use of the Worthi mobile application, website, and related services (collectively, the "Service").

By creating an account, downloading, installing, or otherwise using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy and Cookie Policy, which are incorporated herein by reference. If you do not agree, you must not use the Service.

2. DESCRIPTION OF THE SERVICE

Worthi is a personal finance management application that helps you track spending, organize your money into virtual "pockets," set budgets and savings goals, and, where you choose to connect a bank account, view a consolidated overview of your linked accounts. Worthi does not provide investment, tax, legal, or professional financial advice, and any insight, projection, or suggestion generated by the Service is provided for general informational purposes only.

3. ELIGIBILITY AND ACCOUNT REGISTRATION

3.1 You must be at least 16 years old (or the minimum age of digital consent applicable in your country of residence, if higher) to create a Worthi account.

3.2 You create your account by signing in with your Apple ID or Google account. You agree to keep the information associated with your account accurate and up to date, and you are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account.

3.3 You must notify us without undue delay at support@worthiapp.net if you become aware of any unauthorized use of your account.

4. SUBSCRIPTION PLANS, BILLING AND CANCELLATION

4.1 Worthi offers a free tier with limited functionality and one or more paid subscription tiers ("Pro", "VIP") that unlock additional features, as described on our pricing page at the time of purchase.

4.2 Paid subscriptions renew automatically at the end of each billing period (monthly or annual, as selected) at the then-current price, unless cancelled before the renewal date. You can cancel at any time in the app's Settings; cancellation takes effect at the end of the current billing period, and you retain access to paid features until then.

4.3 Except where required by mandatory consumer protection law (including your statutory right of withdrawal for distance contracts within the European Union), fees already paid are non-refundable.

4.4 If you subscribe through the Apple App Store or Google Play, billing, renewal, and cancellation are additionally governed by that platform's own terms.

5. FREE TRIAL

Where offered, free trials automatically convert into a paid subscription at the end of the trial period unless cancelled beforehand. We will make reasonable efforts to notify you before a trial converts to a paid plan.

6. LICENSE AND INTELLECTUAL PROPERTY

6.1 Subject to your compliance with these Terms, Worthi grants you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use.

6.2 All rights, title, and interest in and to the Service, including its software, design, trademarks, and logos, belong to Worthi or its licensors. Nothing in these Terms transfers any such rights to you.

6.3 You may not copy, modify, reverse-engineer, decompile, resell, or create derivative works based on the Service, except to the extent expressly permitted by applicable law.

7. YOUR DATA AND CONTENT

7.1 You remain the owner of the financial and personal data you input into or connect to the Service ("Your Data"). You grant Worthi a limited license to store, process, and display Your Data solely for the purpose of providing and improving the Service, as further described in our Privacy Policy.

7.2 Your Data – including data you enter manually, data retrieved from connected bank accounts, and data extracted from receipt or bank statement uploads – is stored on Worthi's own backend infrastructure (hosted on Railway, using a PostgreSQL database), as described in our Privacy Policy.

7.3 You are responsible for the accuracy of the data you manually enter or upload. Worthi is not responsible for decisions you make based on inaccurate or incomplete data.

8. ACCEPTABLE USE

You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to gain unauthorized access to the Service or other users' accounts; (c) interfere with or disrupt the integrity or performance of the Service; (d) upload malicious code; or (e) use automated means (bots, scrapers) to access the Service without our prior written consent.

9. THIRD-PARTY SERVICES AND BANK ACCOUNT CONNECTIONS

Where you choose to connect a bank or payment account, Worthi uses Enable Banking, a regulated third-party Account Information Service Provider ("Open Banking Provider"), to retrieve your account data on a read-only basis. We do not store your online banking credentials. Your use of such connections is also subject to the terms and privacy policy of Enable Banking and your bank. We are not responsible for the availability, accuracy, or acts or omissions of third-party providers.

10. DISCLAIMERS

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ANY BUDGETING, FORECASTING, OR SAVINGS PROJECTION WILL BE ACCURATE. NOTHING IN THE SERVICE CONSTITUTES FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.

11. LIMITATION OF LIABILITY

To the maximum extent permitted by applicable law, Worthi's total liability arising out of or relating to these Terms or the Service shall not exceed the amount you paid to Worthi in the twelve (12) months preceding the event giving rise to the claim, and Worthi shall not be liable for any indirect, incidental, special, consequential, or punitive damages. Nothing in these Terms limits liability that cannot be limited or excluded under applicable mandatory law, including liability for death, personal injury, or fraud.

12. INDEMNIFICATION

You agree to indemnify and hold Worthi harmless from claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the Service or your violation of these Terms, to the extent permitted by applicable law.

13. TERM AND TERMINATION

13.1 These Terms remain in effect while you use the Service. You may stop using the Service and delete your account at any time via Settings or by contacting support@worthiapp.net.

13.2 We may suspend or terminate your access if you materially breach these Terms, or where required by law, with notice where reasonably possible.

13.3 Upon termination, your right to use the Service ceases; provisions that by their nature should survive (e.g., intellectual property, disclaimers, limitation of liability) will survive.

14. GOVERNING LAW AND DISPUTES

These Terms are governed by the laws of Hungary, without regard to its conflict-of-law principles, and without prejudice to any mandatory consumer-protection rights you may have under the law of your country of habitual residence if you are an EU consumer. Any dispute that cannot be resolved amicably shall be submitted to the competent courts of Hungary, without prejudice to your right as a consumer to bring proceedings before the courts of your own country of residence. You may also address consumer complaints to the competent Hungarian consumer protection authority or, for data protection matters, to the National Authority for Data Protection and Freedom of Information (NAIH).

15. CHANGES TO THESE TERMS

We may update these Terms from time to time. If changes are material, we will notify you via the app or by email at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

16. MISCELLANEOUS

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and Worthi regarding the Service.

17. CONTACT

Questions about these Terms can be sent to support@worthiapp.net.