FiWorth Terms of Service

Last updated: 2026-06-10

Effective date: 2026-06-10

Publisher: Volodymyr Kucher (“FiWorth”, formerly “OMDApp”; “we”, “us”, “our”)

Contact: support@fiworth.app

Product covered: The FiWorth mobile application for iOS and Android, and the website fiworth.app (together, the “Service”).

These Terms of Service (“Terms”) form a binding contract between you and FiWorth. By installing, accessing, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Acceptance of Terms

1.1. You confirm you are at least 13 years old (or 16 in the EU/UK, or the minimum age of digital consent in your country).

1.2. If you use the Service on behalf of an organisation, you warrant that you have authority to bind that organisation and “you” includes that organisation.

1.3. Apple App Store users: the standard Apple Licensed Application End User License Agreement (EULA) at apple.com/legal/internet-services/itunes/dev/stdeula/ also applies. Where the two conflict, the Apple EULA prevails for Apple-specific matters, and these Terms prevail for everything else.

1.4. Google Play users: the Google Play Terms of Service also apply to your purchase of subscriptions and in-app items through Google Play.

2. Description of the Service

2.1. FiWorth is a manual personal net-worth tracker. You enter information about your assets, liabilities, goals, and milestones; the app organises, visualises, and persists that information so that you can observe your own progress over time.

2.2. The Service:

2.3. We may update, modify, add, or remove features of the Service at any time. If we make a material change that reduces functionality you paid for, we will describe it in advance and, where reasonable, offer a proportionate remedy as required by applicable consumer law (see Section 4 below).

3. Your Account

3.1. Creating an account. Some features may require you to create an account (e.g. email + password, Sign in with Apple, Sign in with Google). You agree to provide accurate information and to keep it up to date.

3.2. Account security. You are responsible for maintaining the confidentiality of your credentials and for all activity under your account. Notify us at support@fiworth.app immediately if you suspect unauthorised access.

3.3. One person per account. Accounts are personal and non-transferable. Sharing an account with other people violates these Terms.

3.4. Account termination by you. You can delete your account at any time directly in the app (Settings → Profile → Delete account and data forever) — the app guides you through a typed-DELETE confirmation and re-authentication, then permanently removes your data. If you can no longer sign in, use the web form at fiworth.app/account/delete or write to support@fiworth.app. On deletion we erase your personal data as described in the Privacy Policy Section 8.

3.5. Account termination by us. We may suspend or terminate your account if you materially violate these Terms, if required by law, or if operating the Service is no longer viable. We give you prior notice where reasonably possible and will refund any prepaid but unused subscription period on a pro-rata basis, to the extent required by the applicable app store policy and consumer law.

4. Subscriptions, Billing, and Refunds

4.1. Free trial, then subscription. FiWorth is a paid application; there is no permanent free tier. New users receive a one-time 7-day free trial with full access to all features. When the trial ends, an active subscription is required to keep adding or updating your entries; without one, the app switches to a read-only mode where you can still view the data you previously entered but cannot add, edit, or re-evaluate it. See Section 4.7 for how the free trial converts to a paid subscription.

4.2. Subscription plans. Paid features are offered via auto-renewable subscriptions (“FiWorth Premium”). The exact plans, prices, and benefits are displayed inside the app before purchase and in the App Store / Google Play store listings. Prices are localised to your region and may include applicable VAT/sales tax.

4.3. Billing. Subscriptions are billed through Apple (StoreKit / App Store Billing) or Google Play Billing. You authorise the relevant app store to charge your payment method at the beginning of each billing period at the then-current rate.

4.4. Auto-renewal. Subscriptions renew automatically at the end of each period (weekly, monthly, or yearly, depending on the plan you selected). Renewal is handled by the app store, not by FiWorth.

4.5. Cancellation. You may cancel your subscription at any time:

Cancellation takes effect at the end of the current billing period; you retain access to Premium features until that date.

4.6. Refunds. Refunds for Apple purchases are handled by Apple under the Apple Terms of Service — Refunds policy. Refunds for Google Play purchases are handled by Google under the Google Play Refund Policy. FiWorth does not process refunds directly for purchases made via these stores.

4.7. Free trial (where offered). A free trial automatically converts into a paid subscription unless you cancel at least 24 hours before the trial ends. Trials are offered at most once per Apple ID or Google account.

4.8. Price changes. We may change subscription prices for future periods. Where required by Apple / Google policy, you will be notified in advance and, for material increases, asked to explicitly confirm the new price before the next renewal.

4.9. EU Consumer Rights — right of withdrawal. EU consumers are entitled to a 14-day right of withdrawal for digital services under the Consumer Rights Directive (2011/83/EU). By starting to use paid features immediately after purchase you expressly consent to us beginning performance during the withdrawal period and acknowledge that, under Article 16(m) of the Directive, the right of withdrawal is lost once performance has begun with your consent. You may still cancel future renewals at any time (Section 4.5).

5. Acceptable Use

You agree not to:

We may suspend or terminate accounts that engage in Prohibited Activity, remove offending content, and report unlawful activity to competent authorities.

6. Intellectual Property

6.1. Our rights. The Service, including all software, design, text, graphics, icons, audio, video, and compilations thereof, is owned by FiWorth or licensed to us, and is protected by copyright, trademark, and other intellectual property laws. “FiWorth” and the FiWorth logo are our trademarks. You may not use them without our prior written permission.

6.2. Your licence. Subject to your compliance with these Terms, we grant you a limited, personal, non-transferable, non-sublicensable, revocable licence to install and use the Service on devices you own or control, for your personal and non-commercial use.

6.3. Your content. You retain all ownership of the data you enter into the Service (assets, liabilities, goals, notes, etc.). You grant us a limited licence to host, store, back up, and process that data solely to operate the Service for you. We do not use your financial data for advertising or to train any machine-learning model.

6.4. Feedback. If you send us ideas or feedback, we may use them freely without obligation to you.

7. Disclaimer — Not Financial Advice

7.1. FiWorth is an information tool, not a financial adviser. Nothing in the Service, the website, marketing materials, or support correspondence constitutes investment, tax, legal, accounting, or financial advice; it is not a recommendation to buy, sell, or hold any security, currency, or asset; and it is not a personalised assessment of your financial situation.

7.2. You are solely responsible for your financial decisions. Past performance does not predict future performance. Market values, exchange rates, asset prices, and computed totals shown in the Service may be delayed, inaccurate, or estimated; they do not represent executable prices.

7.3. No regulatory status. FiWorth is not a registered investment adviser, broker-dealer, money transmitter, or bank. We are not regulated by the SEC, FINRA, FCA, BaFin, AMF, AFM, CySEC, FINMA, or any equivalent regulator. The Service does not create a fiduciary, advisory, brokerage, or any other regulated relationship between you and us.

7.4. Consult a professional. If you need financial, tax, or legal advice, consult a qualified, licensed professional in your jurisdiction.

8. Disclaimer of Warranty

To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”, without warranty of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, reliability, or availability. We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected.

Nothing in this Section excludes warranties that cannot lawfully be excluded — in particular, the statutory rights of consumers in the EU, UK, Australia, and other jurisdictions where such rights are non-waivable.

9. Limitation of Liability

9.1. To the maximum extent permitted by applicable law, in no event will FiWorth, its officers, employees, affiliates, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including lost profits, lost savings, lost data, or loss of business — arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages.

9.2. Our total aggregate liability to you for all claims arising out of or related to the Service, regardless of the form of action, will not exceed the greater of (a) the total amount you paid to us for the Service in the 12 months immediately preceding the event giving rise to the claim, or (b) USD 50.

9.3. The limitations in this Section do not apply to:

9.4. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. In such cases, our liability is limited to the greatest extent permitted by law.

10. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless FiWorth and its officers, employees, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or connected with (a) your use of the Service in violation of these Terms, (b) your violation of any applicable law, or (c) your violation of the rights of any third party, including intellectual property or privacy rights.

This Section does not apply where the claim arises from our own wilful misconduct or gross negligence, and does not limit any rights you have as a consumer under mandatory law in your country.

11. Governing Law and Dispute Resolution

11.1. Governing law. These Terms are governed by the laws of England and Wales, without regard to its conflict-of-laws rules.

11.2. Jurisdiction. Subject to Section 11.3, the courts of London, England have exclusive jurisdiction to hear any dispute arising out of or in connection with these Terms.

11.3. Consumer rights. Nothing in this Section deprives you, as a consumer, of the protection of mandatory consumer-law provisions of your country of habitual residence, or of your right to bring a claim in the courts of that country. In particular, EU consumers may also file claims through the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr/.

11.4. Informal dispute resolution. Before filing any formal claim, please contact us at support@fiworth.app and give us 30 days to try to resolve the issue informally.

12. Changes to These Terms

12.1. We may update these Terms to reflect changes in the Service, in applicable law, or in our practices.

12.2. Material changes — that reduce your rights, expand your obligations, or change the billing structure — will be notified to registered users by email or in-app message at least 30 days before they take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.

12.3. Non-material changes (typos, clarifications, updated contact details) take effect on the “Last updated” date shown above.

12.4. If you do not agree to a material change, your sole remedy is to cancel your subscription (Section 4.5) and stop using the Service before the change takes effect; we will refund any prepaid-but-unused subscription period on a pro-rata basis, to the extent required by applicable law or app-store policy.

13. Miscellaneous

13.1. Entire agreement. These Terms, together with the Privacy Policy and any platform-specific EULAs (Apple / Google), constitute the entire agreement between you and us regarding the Service.

13.2. Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force and effect.

13.3. No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

13.4. Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms (for example, as part of a merger, acquisition, or reorganisation) on notice to you.

13.5. Force majeure. Neither party is liable for failure to perform due to circumstances beyond its reasonable control, including natural disasters, war, labour disputes, acts of government, or failures of telecommunications or third-party services.

13.6. No third-party beneficiaries, except that Apple Inc. is a third-party beneficiary of these Terms for the limited purpose of enforcing the Apple-EULA-related provisions of Section 1.3, in accordance with Apple App Store Review Guideline 3.2.2(vii).

14. Contact Us

Questions about these Terms:

Email: support@fiworth.app

Mail: Volodymyr Kucher, Shevchenko ave. 6/1, apt. 20, Odesa, 65058, Ukraine

Apple-specific addendum (required by Apple App Review Guidelines 3.2.2(vii))

These provisions apply only to the Service when used via the Apple App Store.

A.1. Agreement. You and FiWorth acknowledge that these Terms are concluded between you and us, not with Apple. Apple is not responsible for the Service or its content.

A.2. Scope of licence. The licence granted in Section 6.2 is limited to use of the Service on any Apple-branded product that you own or control, as permitted by the Apple App Store Usage Rules.

A.3. Maintenance and support. FiWorth is solely responsible for providing any maintenance and support services as required under applicable law. Apple has no obligation to furnish maintenance or support for the Service.

A.4. Warranty. If the Service fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) you paid for the Service. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the Service. Any other warranty-related claims, losses, liabilities, damages, costs, or expenses are our sole responsibility.

A.5. Product claims. FiWorth (not Apple) is responsible for addressing any claims by you or any third party relating to the Service, including product liability claims, claims of non-conformity, and claims under consumer-protection or similar legislation.

A.6. IP claims. If any third party claims the Service infringes intellectual property rights, FiWorth (not Apple) is solely responsible for the investigation, defence, settlement, and discharge of such claims.

A.7. Legal compliance. You represent and warrant that (i) you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

A.8. Third-party beneficiary. You and FiWorth acknowledge that Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms, and that Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.