Terms of Service

Wallit reads the transactions on the cards and bank accounts you connect, shows you where your money went, and lets you set monthly spending limits on stores and categories. It sends alerts as you approach a limit and a summary each month. If you turn on the optional Safety Net, a store you’ve hit your limit on stops loading in your phone’s browser and in that store’s app until the limit resets.

Wallit is a tool to help you stick to limits you choose. It is not financial, tax, or investment advice, and it is not a bank. It never moves money, and it can’t stop a card from being charged.

• You must be at least 18 and live in the United States to use Wallit.
• An account belongs to one person and is identified by its email address. Keep access to that email secure: anyone who can read it can sign in with an emailed code.
• You’re responsible for activity on your account, and for the accounts you connect being yours or ones you’re authorized to connect.

Bank and card connections are made through Plaid, and are read-only: Wallit can see transactions, never move money. Plaid’s own terms apply to that connection. Banks decide how quickly transactions appear, so spending can show up in Wallit hours or a few days after you make it, and limits and alerts follow what has arrived.

The Safety Net works by adding a network setting to your device. In the Wallit iPhone app it runs on the phone itself and your iPhone lists it as a VPN. You can turn it off at any time in the app or in your phone’s settings. It catches online stores and apps only; it does not stop purchases in physical stores, purchases made on devices where it isn’t installed, or purchases through a website or app other than the one you set for that limit. It also depends on your device, network, and bank data, so it may not catch every purchase. You remain responsible for your purchases.

• New accounts get Wallit free for two months, starting from first sign-in. No payment details are needed for the trial, and nothing is charged unless you choose a plan.
• After the trial, Wallit costs $12 a month or $96 a year, in US dollars, plus any tax that applies.
• If you subscribe during your free months, your first charge is on the day they end.
• Subscriptions renew automatically at the end of each month or year until you cancel. Payments are processed by Stripe; Wallit never sees your card details.
• If we change prices, we’ll tell you at least 30 days before your next renewal, and you can cancel before it applies.

• You can cancel anytime from Settings → Plan → Manage billing. You keep full access until the end of the period you’ve paid for, and you won’t be charged again.
• We don’t give partial refunds for unused time in a period, except where the law requires it.
• If you were charged by mistake, or a renewal surprised you, email hello@usewallit.com within 30 days of the charge and we’ll make it right, including a refund where appropriate.

When your free months end without a subscription, Wallit pauses: alerts stop, and the Safety Net lifts every block so all stores load normally. Your limits and history are kept, and subscribing later brings everything back. You can delete your account and data at any time from Settings.

How we collect, use, and protect your data is set out in our Privacy Policy. We don’t sell your data. Deleting your account from Settings deletes your data and cancels any subscription.

Don’t misuse Wallit: no attempting to access other people’s accounts or data, interfering with the service, reverse-engineering it to get around its limits, or connecting accounts you’re not authorized to use. We may suspend or close accounts that do.

Wallit is provided “as is.” We work hard to keep it accurate and running, but we don’t guarantee it will be uninterrupted or error-free, that every transaction will appear or be categorized correctly, that every purchase will be caught, or that you’ll save any particular amount. To the extent the law allows, we disclaim implied warranties, including merchantability and fitness for a particular purpose.

To the extent the law allows, Wallit isn’t liable for indirect, incidental, or consequential losses, including purchases you made or didn’t make, and our total liability for any claim is limited to the amount you paid us in the 12 months before it. Some places don’t allow these limits, so they may not all apply to you.

You can stop using Wallit and delete your account at any time. We may end or suspend access if you break these terms, or stop offering Wallit with reasonable notice; if we stop the service, we’ll refund the unused part of any prepaid subscription.

If we change these terms in a way that matters, we’ll tell you by email or in the app before the change takes effect. Continuing to use Wallit after that means you accept the new terms.

These terms are governed by the laws of the State of Wyoming, without regard to its conflict-of-law rules.

Questions about these terms or a charge: hello@usewallit.com.