Terms of Service

These Terms of Service ("Terms") are a binding agreement between you and Hallows Group LLC ("WorthSync," "we," "us," or "our") governing your use of worthsync.com, app.worthsync.com, and our mobile apps (the "Services"). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old (or the age of majority where you live) and able to form a binding contract to use the Services. The Services are not directed to children under 16.

2. Your account

Authentication is handled by our provider, Clerk. You are responsible for safeguarding your login credentials and for all activity under your account. Notify us promptly at support@worthsync.com of any unauthorized use. You are responsible for the accuracy of the data you enter.

3. Households and shared data

The Services let you create or join a household and share accounts with other members using visibility settings (private, shared read-only, or shared full access). If you share an account or invite someone to your household, you confirm you have the right to do so. When you share data, other members may view (and, depending on the setting, edit) that data. You are responsible for choosing appropriate visibility settings and for whom you invite.

4. Subscriptions, billing, and cancellation

• Plans. WorthSync offers a free Solo tier and paid plans (Household and Vault). Paid plans require a household and are billed through Stripe. Current prices are shown in the app at checkout.
• Auto-renewal. Paid subscriptions renew automatically at the end of each billing period (monthly or annual, as selected) at the then-current price, until cancelled. By subscribing, you authorize recurring charges to your payment method.
• Cancellation. You may cancel at any time from your billing settings in the app. Cancellation stops future renewals; access continues until the end of the current paid period.
• Refunds. Except where required by law, payments are non-refundable. [Confirm refund policy / any free-trial or money-back terms.]
• EU/UK withdrawal right. If you are a consumer in the EU/UK, you may have a 14-day right to withdraw from a purchase; by starting to use a paid feature immediately you may acknowledge that this right ends once the service is fully performed. [Confirm with counsel.]
• Price changes. We may change prices; we will give advance notice and changes apply to the next billing period.

5. Acceptable use

You agree not to:

• Use the Services unlawfully or in violation of these Terms;
• Access, tamper with, or use non-public areas of the Services or other users' data;
• Probe, scan, or test the vulnerability of any system or breach security or authentication measures;
• Scrape, reverse engineer, or attempt to extract source code, except as permitted by law;
• Upload malware or interfere with the integrity or performance of the Services;
• Misrepresent your identity or your authority to share another person's data.

6. Your content

You retain all rights to the data and content you enter ("Your Content"). You grant us a limited license to host, process, and display Your Content solely to operate and improve the Services and as described in our Privacy Policy. You are responsible for Your Content and for having the rights to provide it.

7. Intellectual property

The Services, including software, design, and the WorthSync name and logo, are owned by Hallows Group LLC and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for their intended purpose. No other rights are granted.

8. Third-party services

The Services rely on third parties (including Clerk, Stripe, Supabase, Resend, Vercel, Cloudflare, and Apple/Google). Your use of those services may be subject to their terms, and we are not responsible for them.

9. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Services will be uninterrupted, secure, or error-free, or that any calculation, analytics, or projection is accurate or suitable for your circumstances. See our Disclaimer.

10. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WORTHSYNC AND ITS AFFILIATES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR (B) USD $100. Some jurisdictions do not allow certain limitations, so some may not apply to you.

11. Indemnification

You agree to indemnify and hold harmless Hallows Group LLC from claims, damages, and expenses (including reasonable legal fees) arising from your use of the Services, Your Content, or your violation of these Terms or of any law or third-party right.

12. Termination

You may stop using the Services and delete your account at any time. We may suspend or terminate your access if you violate these Terms or to protect the Services. On termination, your right to use the Services ends; sections that by their nature should survive (for example, ownership, disclaimers, limitation of liability) will survive.

13. Governing law and dispute resolution

These Terms are governed by the laws of the State of [governing-law state — e.g., Delaware], without regard to its conflict-of-laws rules. [Confirm dispute-resolution mechanism: courts of [venue], or binding arbitration with a class-action waiver and any applicable consumer carve-outs.] Nothing in these Terms limits any non-waivable rights you have as a consumer under the laws of your country of residence.

14. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here with a new "Last updated" date and, for material changes, provide additional notice. Continued use after changes take effect means you accept the updated Terms.

15. Contact

Hallows Group LLC — support@worthsync.com — [registered mailing address].