Terms of Service

Waia: AI Wealth Assistant • Effective: November 1, 2026 • Türkçe

Welcome to Waia. By downloading, accessing, or using the Waia application ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the App.

1. Overview

Waia is a personal finance tracking application that allows users to monitor their net worth, manage income and expenses, track investments, set financial goals, interact with an AI financial coach, and participate in a social community.

2. Eligibility

You must be at least 17 years old to use the App. By using the App, you confirm that you meet this age requirement.

3. Account Registration

• You must create an account with a valid email address and password.
• You are responsible for maintaining the security of your account credentials.
• You are responsible for all activities that occur under your account.
• You must provide accurate and complete information during registration.

4. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose
• Post offensive, abusive, or harmful content in social features
• Attempt to gain unauthorized access to other users' accounts or data
• Reverse-engineer, decompile, or disassemble the App
• Use automated scripts or bots to access the App
• Impersonate another person or entity
• Upload malicious content or attempt to compromise the App's security

5. Financial Information Disclaimer

• The AI Coach provides general information and insights based on your data. Its responses are generated by artificial intelligence and should not be treated as professional financial advice.
• Market data (stock prices, cryptocurrency prices) is provided by third-party sources (Yahoo Finance, CoinGecko) and may be delayed or inaccurate. We do not guarantee the accuracy, completeness, or timeliness of market data.
• You are solely responsible for your financial decisions.

6. User Content

• You retain ownership of all content you create in the App (posts, comments, financial data).
• By posting content in social features, you grant Waia a non-exclusive license to display that content to other users within the App.
• You are solely responsible for the content you post. Do not share sensitive financial information (bank account numbers, credit card details, passwords) in social posts.
• We reserve the right to remove content that violates these Terms.

7. Subscriptions and Purchases

Waia offers premium access ("Waia Pro") as auto-renewing subscriptions and as a one-time lifetime purchase. The price, billing period and any free trial for each option are shown on the in-app purchase screen before you buy.

• Plans: Monthly and annual auto-renewing subscriptions, and a lifetime purchase. The plans on offer may differ by country and may change over time.
• Free Trial: Some plans include a free trial for new subscribers, available once per customer. If you do not cancel at least 24 hours before the trial ends, the subscription starts and you are charged the price shown at purchase. Plans without a free trial are charged as soon as you confirm the purchase.
• Billing: Payment is charged to your Apple Account (App Store) or your Google account (Google Play) when you confirm the purchase. We do not receive or store your payment card details.
• Auto-Renewal: Subscriptions renew automatically for the same period at the price shown at purchase, unless you cancel at least 24 hours before the end of the current period.
• Cancellation: You can cancel a subscription at any time. On iPhone: Settings > your name > Subscriptions. On Android: Google Play > Payments & subscriptions > Subscriptions. Cancellation takes effect at the end of the current billing period and you keep access until then. Deleting the App or your Waia account does not cancel a subscription.
• Lifetime Purchase: The lifetime option is a single, non-recurring payment. It does not renew and there is nothing to cancel. It gives the Apple or Google account that bought it access to Waia Pro for as long as we operate the App.
• Discounts and Offers: We may offer discounted prices, some of them for a limited time or to specific users. The offer screen shows the price you will pay and, for subscriptions, the period it covers and renews for. An offer that has ended may not be offered again.
• Refunds: Purchases are sold and refunded by Apple or Google under their own policies; we cannot refund store purchases ourselves. For App Store purchases, request a refund at reportaproblem.apple.com. For Google Play purchases, request one from your Google Play order history. Except where the law requires otherwise, no refunds are given for partly used periods.
• Price Changes: We may change our prices. A change to the price of a subscription you already hold takes effect only after you have been notified as the App Store or Google Play requires, and you can cancel before it applies.
• Restoring Purchases: If you reinstall the App or change device, use "Restore purchases" on the purchase screen to get your access back.
• Free and Premium Features: Some features of the App remain available without paying. The features included in Waia Pro may change over time, and features that rely on third-party providers (such as bank connections) may not be available in every country or at all times.

8. Privacy

Your use of the App is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.

9. Third-Party Services

The App integrates with third-party services including Supabase (data storage), Google Gemini AI (AI Coach), Yahoo Finance (market data), CoinGecko (cryptocurrency data), Apple, Google Play and Adapty (purchases), PostHog (analytics), Sentry (error reporting), and Meta (advertising measurement). See the Privacy Policy for details. These services have their own terms and privacy policies. We are not responsible for the availability or accuracy of third-party services.

10. Availability and Updates

• We strive to keep the App available at all times but do not guarantee uninterrupted access.
• We may update, modify, or discontinue features at any time without prior notice.
• We may release updates that you will need to install to continue using the App.

11. Limitation of Liability

To the maximum extent permitted by law:

• The App is provided "as is" and "as available" without warranties of any kind.
• We are not liable for any financial losses resulting from decisions made based on information provided by the App or the AI Coach.
• We are not liable for any indirect, incidental, special, or consequential damages arising from your use of the App.
• Our total liability shall not exceed the amount you paid for the App in the twelve (12) months preceding the claim.

12. Account Termination

• You may delete your account at any time from within the App. This will permanently remove all your data.
• We reserve the right to suspend or terminate accounts that violate these Terms.

13. Changes to These Terms

We may update these Terms from time to time. Changes will be reflected on this page with an updated effective date. Continued use of the App after changes constitutes acceptance of the updated Terms.

14. Contact

For questions about these Terms, contact us at:

Email: gokhanazap@gmail.com