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Terms and Conditions for Wealth-Meter
Last Updated: October 5, 2026
Effective Date: October 5, 2026
Application: Wealth-Meter (com.wealthmeter.app)
Developer: Samidha Potphode
Contact: samidhapurushottampotphode@gmail.com
1. Acceptance of Terms
Please read these Terms and Conditions ("Terms", "Agreement") carefully prior to downloading, installing, accessing, or using the Wealth-Meter mobile application ("Application", "Service", "App").
By downloading, installing, accessing, or using Wealth-Meter, you confirm that you are at least 18 years of age (or the legal age of majority in your jurisdiction) and agree to be legally bound by these Terms and our Privacy Policy. If you do not agree with any part of these Terms, you must immediately cease using and uninstall the Application.
2. Description of Service
Wealth-Meter is an on-device personal finance tracking and mathematical calculation utility designed to help users:
Record, organize, and track personal multi-asset holdings (e.g., stocks, mutual funds, provident funds, fixed deposits, precious metals, real estate, cash).
Compute net worth by balancing gross assets against recorded liabilities and loans.
Perform mathematical projections (e.g., SIP, SWP, Loan EMI, Compound Interest, FIRE freedom horizon, and Monte Carlo scenarios).
Monitor historical portfolio checkpoints and simulate hypothetical macroeconomic stress tests.
3. Important Financial & Investment Disclaimer (Not Financial Advice)
PLEASE READ THIS SECTION CAREFULLY:
Informational & Educational Utility Only: Wealth-Meter, its algorithmic calculators, benchmark comparisons, tax-loss harvesting indicators, and scenario simulators are provided strictly for informational, educational, and personal computational purposes.
No Certified Financial, Investment, Tax, or Legal Advisory: Wealth-Meter is not an investment advisor, registered broker-dealer, certified financial planner (CFP), or tax consultant. None of the calculations, projections, asset allocations, rebalancing simulations, or content provided within the Application constitute financial advice, investment recommendations, tax planning, endorsement of any security, or an offer or solicitation to buy or sell any financial asset.
Market Risk & Volatility: Financial investments in equities, mutual funds, bonds, real estate, and other securities are inherently subject to market fluctuations, risk of capital loss, and macroeconomic changes. Past performance indicators and historical growth projections do not guarantee future returns.
Independent Due Diligence: You are solely responsible for evaluating your own financial situation and verifying all calculations independently. You should consult a qualified and registered financial advisor, tax specialist, or chartered accountant prior to making any actual financial, investment, or legal decisions.
4. Market Quotes, Currency Rates & Third-Party Data
Third-Party Data Sources: Live Current Market Prices (CMP), foreign exchange (FX) rates, and financial figures are fetched from third-party public endpoints (e.g., Yahoo Finance, Open.er-api).
"As-Is" Provision & No Guarantee: Market and currency data is provided "as-is" and "as-available". Such feeds may be subject to transmission delays (e.g., 15-minute exchange delays), approximations, outages, or technical disruptions. The Developer makes no warranties regarding the timeliness, completeness, accuracy, or uninterrupted availability of live price quotes.
5. User Responsibility, Local Storage & Data Backups
On-Device Architecture: Wealth-Meter is built on an offline-first, on-device architecture. All portfolio holdings, buy prices, liabilities, goals, and notes are stored locally on your device's physical storage using hardware-backed encryption (AES-256 GCM).
No Cloud Copy: The Developer does not maintain remote backups, cloud copies, or server-side replicas of your personal records.
Backup Obligation: You bear sole responsibility for periodically exporting and safeguarding backups of your portfolio (via the built-in JSON, CSV, or PDF export features).
Data Loss: The Developer shall not be liable for any loss, corruption, or unavailability of your data resulting from device loss, hardware failure, operating system upgrades, factory resets, uninstallation of the App, or clearing application cache.
6. Security Features & Device Integrity
Local Security Controls: Wealth-Meter provides optional security safeguards, including Biometric App Lock, Screen Protection Guard (FLAG_SECURE), and Stealth Privacy Masking.
Device Security: You are responsible for maintaining the physical security of your mobile device, including strong screen lock passcodes and biometric enrollment.
Rooted / Compromised Devices: Running the Application on rooted, jailbroken, or otherwise compromised operating systems may bypass Android security sandboxes and cryptographic keystores. You assume all associated security risks if running the App in an unauthorized environment.
7. In-App Purchases, Subscriptions & Billing
Google Play In-App Billing: Purchases for optional premium tiers (e.g., "Ad-Free" and "Wealth-Meter Pro") are conducted exclusively via the Google Play In-App Billing system.
Payment Processing: Payment processing is handled solely by Google LLC. All transactions, billing queries, and payment methods are subject to the Google Play Terms of Service.
Refunds: Because premium digital entitlements are unlocked immediately upon purchase, refunds are governed strictly by the official refund policies of the Google Play Store.
8. Advertisements (Free Tier)
The Free tier of Wealth-Meter displays banner advertisements served through Google Mobile Ads (AdMob). The Developer does not endorse, guarantee, or assume responsibility for any third-party products, services, or websites promoted in these advertisements. You can remove all advertisements permanently by upgrading to an Ad-Free or Pro tier.
9. Intellectual Property Rights
Ownership: The Application, including its source code, UI/UX designs, algorithms, logos, graphical artwork, documentation, and trade names ("Wealth-Meter"), are the exclusive intellectual property of the Developer (Samidha Potphode) and are protected by applicable intellectual property laws.
Limited License: You are granted a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the Application strictly for personal, non-commercial purposes.
Restrictions: You agree not to reverse engineer, decompile, disassemble, copy, modify, distribute, sell, lease, or create derivative works based on the Application or any component thereof.
10. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW:
THE APPLICATION IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE.
THE DEVELOPER EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, NON-INFRINGEMENT, AND QUIET ENJOYMENT.
THE DEVELOPER DOES NOT WARRANT THAT THE APPLICATION WILL OPERATE ERROR-FREE, SECURELY, OR WITHOUT INTERRUPTION, OR THAT ANY DEFECTS WILL BE PROMPTLY CORRECTED.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
IN NO EVENT SHALL THE DEVELOPER, CONTRIBUTORS, OR AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF CAPITAL, TRADING LOSSES, INVESTMENT DISCREPANCIES, BUSINESS INTERRUPTION, LOSS OF DATA, DEVICE DAMAGE, OR EXPENSE OF RECOVERING DATA) ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE APPLICATION, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
IN JURISDICTIONS WHERE THE EXCLUSION OR LIMITATION OF LIABILITY IS RESTRICTED BY LAW, LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY LAW OR THE AMOUNT ACTUALLY PAID BY YOU (IF ANY) FOR PURCHASING APP UPGRADES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
12. Indemnification
You agree to defend, indemnify, and hold harmless the Developer and associated contributors from and against any claims, actions, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or resulting from your use or misuse of the Application, your violation of these Terms, or your violation of any applicable law or rights of a third party.
13. Modifications to Terms & Application
Modifications: The Developer reserves the right to amend or replace these Terms at any time. When updates occur, the revised Terms will be posted with an updated "Last Updated" date. Continued use of the Application after updates constitutes acceptance of the amended Terms.
Service Evolution: The Developer may periodically update, enhance, deprecate, or modify features within the Application to optimize performance, maintain compatibility, or adhere to platform standards.
14. Severability & Entire Agreement
If any provision of these Terms is determined by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to achieve its original intent, and the remaining provisions shall continue in full legal force and effect. These Terms constitute the complete understanding between you and the Developer regarding Wealth-Meter.
15. Contact Us
If you have any questions, clarifications, or feedback regarding these Terms and Conditions, please contact:
Developer: Samidha Potphode
Email: samidhapurushottampotphode@gmail.com