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 and where we operate

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 anyone under 18.

WorthSync is offered from the United States and is intended for users in the United States. We do not target or market the Services to individuals in the European Economic Area or the United Kingdom, and our app store listings are limited accordingly. We make no representation that the Services are appropriate or available in any other location. If you access them from outside the United States, you do so on your own initiative and are responsible for complying with your local law.

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. Disputes between household members

Households are shared workspaces, and relationships change. If members of a household disagree about who owns, controls, or may access shared data:

• We do not decide ownership. We are not an arbiter of disputes between household members and will not adjudicate competing claims to an account, a household, or the data in it. We may decline to act on any request that another member contests.
• Your own records stay yours. Records you created remain associated with your account, and you may export or delete them at any time. Records another member created remain theirs. Removing yourself from a household does not remove data another member owns, and does not entitle you to a copy of it.
• We may preserve the status quo. Where a dispute is brought to our attention, we may take no action, restrict changes to the affected household, or suspend access pending resolution. Any of these is at our discretion and none of them is an endorsement of either side's position.
• Legal process controls. We will comply with a valid court order, subpoena, or other lawful process directing the disposition of contested data, and we will generally follow such an order in preference to any member's instructions.

Choose carefully whom you invite and what you share. The visibility settings are the control you have, and they are the control we expect you to use.

5. 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, and we do not provide refunds or credits for partial billing periods, unused time, or periods in which you did not use the Services. Cancelling does not refund the current period; as described above, your access continues until that period ends. We may issue a refund at our discretion in an individual case, and doing so does not obligate us to do so again.
• Statutory rights. Nothing in this section limits any refund or cancellation right that applicable consumer law gives you and that cannot be waived by agreement. Where such a right applies, it controls over the paragraphs above.
• Price changes. We may change prices; we will give advance notice and changes apply to the next billing period.

6. 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.

7. 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.

8. 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.

9. Third-party services

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

Apple and Google (mobile apps)

If you obtained the WorthSync app from the Apple App Store:

• These Terms are between you and Hallows Group LLC only, not Apple. Apple is not responsible for the app or its content.
• Apple has no obligation to provide any support or maintenance for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (where one was paid); to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
• Apple is not responsible for addressing any claim relating to the app, including product liability, legal or regulatory non-compliance, or consumer-protection claims.
• Apple is not responsible for investigating, defending, or resolving any third-party claim that the app infringes intellectual-property rights.
• You confirm you are not located in a country subject to a U.S. Government embargo or designated terrorist-supporting, and that you are not on any U.S. Government restricted-party list.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

If you obtained the app from Google Play, your use is also subject to the Google Play Terms of Service, and Google is not a party to these Terms.

10. 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.

11. 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 AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES, TAKEN TOGETHER, WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE FIRST SUCH CLAIM OR (B) USD $100. This is a single, cumulative cap; bringing more than one claim does not increase it.

These limits apply regardless of the theory of liability, and they apply even if a limited remedy is found to have failed of its essential purpose. They do not apply to liability for our own gross negligence, willful misconduct, or fraud, or to any liability that applicable law does not permit us to limit or exclude. Some jurisdictions do not allow certain limitations, so some may not apply to you.

12. Indemnification

You agree to defend, indemnify, and hold harmless Hallows Group LLC and its affiliates, members, officers, employees, contractors, and agents (the "Indemnified Parties") from and against any third-party claim, demand, action, or proceeding, and any resulting losses, damages, liabilities, settlements, penalties, and expenses (including reasonable attorneys' fees and costs), arising out of or related to:

• your use of or access to the Services;
• Your Content, including any claim that it infringes or misappropriates the rights of a third party;
• data you share about another person — including any claim that you invited someone to a household, set an account to a shared visibility level, or otherwise disclosed another person's financial information without the right or authority to do so (see Section 3);
• your violation of these Terms, of any applicable law, or of any third-party right.

We will give you prompt notice of any claim for which we seek indemnification, though a failure to give prompt notice relieves you of your obligations only to the extent you are actually prejudiced by the delay. We may assume sole control of the defense and settlement of any such claim using counsel of our choosing, at your expense, and you will cooperate with that defense. You may not settle any claim in a way that imposes any obligation, payment, or admission of fault on an Indemnified Party without our prior written consent.

This section does not apply to any portion of a claim arising from an Indemnified Party's own gross negligence or willful misconduct, and it does not require you to indemnify us for anything the law does not permit us to be indemnified for.

13. Suspension and termination

By you. You may stop using the Services and delete your account at any time from Settings → Privacy & data. See Delete your account.

By us, for cause. We may suspend or terminate your access immediately and without notice if we believe in good faith that you have violated these Terms, that your use creates legal risk or harm to us, to other users, or to the Services, or that your account is being used fraudulently or unlawfully. No refund is due on a termination for cause.

Suspension pending investigation. Instead of terminating, we may suspend or restrict an account, a household, or particular features while we investigate a suspected violation or a dispute. Suspension is a temporary, reversible state and is not an admission or a finding by us. We will restore access if the concern is resolved in your favor.

By us, for convenience. We may also discontinue providing the Services to you for any other reason, or for no reason. In that case we will give you reasonable advance notice at your account email address, refund the unused portion of any prepaid subscription period on a prorated basis, and give you at least 30 days to export your data before it is deleted.

Effect of termination. Your right to use the Services ends and your data is deleted in accordance with our Privacy Policy. Sections that by their nature should survive will survive, including Section 4 (Disputes between household members), Section 7 (Your content), Section 8 (Intellectual property), Section 10 (Disclaimers), Section 11 (Limitation of liability), Section 12 (Indemnification), Section 14 (Governing law, class-action waiver, and jury-trial waiver), and Section 16 (General).

14. Governing law and dispute resolution

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. You and Hallows Group LLC agree to the exclusive jurisdiction of the state and federal courts located in the State of Texas for any dispute arising out of or relating to these Terms or the Services, and each of us waives any objection to those courts on grounds of personal jurisdiction or inconvenient forum. Where permitted by applicable law, the parties designate Travis County, Texas as the preferred venue; if Texas law does not permit venue to be fixed by agreement for a given dispute, venue is determined by statute and the choice of Texas courts above still applies.

Class-action waiver. YOU AND HALLOWS GROUP LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR OTHER REPRESENTATIVE PROCEEDING. A court may not consolidate or join the claims of more than one person without the written consent of all parties.

Jury-trial waiver. TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND HALLOWS GROUP LLC EACH KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES.

Small claims. Either of us may instead bring an individual claim in any small claims court of competent jurisdiction, if the claim qualifies for that court and stays there on an individual basis. Nothing in this section prevents either party from seeking injunctive or other equitable relief to protect its intellectual property or the security of the Services.

Severability and consumer rights. If the class-action waiver or the jury-trial waiver is held unenforceable as to a particular claim or in a particular forum, that waiver does not apply to that claim, and the claim proceeds in the courts identified above — but the remainder of this section stays in effect. Nothing in these Terms limits any non-waivable rights you have as a consumer under the laws of your country or state of residence, including any right to bring proceedings in your local courts.

15. 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.

16. General

• Changes to the Services. The Services will evolve. We may add, change, suspend, or remove features, and we may discontinue the Services entirely. For a change that materially reduces functionality you are paying for, or for a full discontinuation, we will give reasonable advance notice at your account email address and refund the unused portion of any prepaid period on a prorated basis. We are not otherwise liable for any modification, suspension, or discontinuation.
• Severability. If any provision of these Terms is held invalid or unenforceable, that provision is limited or removed to the minimum extent necessary and the remaining provisions stay in full force. This applies to these Terms as a whole; Section 14 also contains its own severability rule for the waivers in that section.
• Entire agreement. These Terms, together with the Privacy Policy, the Cookie Policy, and the Disclaimer, are the entire agreement between you and Hallows Group LLC about the Services, and they supersede any prior or contemporaneous statements, marketing materials, or representations.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later. A waiver is effective only if we give it in writing.
• Assignment. You may not assign or transfer these Terms or your account without our prior written consent, and any attempt to do so is void. We may assign these Terms to an affiliate or in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, on notice to you.
• Force majeure. Neither party is liable for a failure or delay in performance caused by events beyond its reasonable control, including outages or failures of third-party infrastructure and providers, network or power failures, natural disasters, acts of government, labor disputes, war, or civil unrest. This does not excuse your obligation to pay amounts already owed.
• Notices. We may give you notice by email to the address on your account, by posting in the Services, or by updating this page; email notice is deemed received on the day it is sent. You must keep your account email address current. Legal notice to us must be sent to support@worthsync.com and to the mailing address in Section 17.
• Feedback. If you send us suggestions, feature requests, or other feedback, we may use it to improve the Services without any obligation to you and without compensation. You keep any rights you already had in what you send; you are simply granting us permission to act on it. You are not obligated to send feedback, and we are not obligated to act on it.
• Inactive accounts. Free accounts that show no sign-in activity for 24 consecutive months may be deleted along with their data. We will email the address on the account at least 30 days before doing so, and signing in during that window keeps the account active. We do not delete accounts with an active paid subscription for inactivity.
• Electronic contracting. You consent to contract electronically. Ticking the acceptance box, clicking a button to create an account, or continuing to use the Services has the same legal effect as a handwritten signature, and electronic records of your acceptance are admissible evidence of these Terms.
• Export and sanctions. You represent that you are not located in, and are not a national or resident of, a country subject to comprehensive U.S. sanctions, and that you are not on any U.S. government restricted-party list.
• Third-party beneficiaries. Other than the Indemnified Parties identified in Section 12, and Apple as stated in Section 9, these Terms create no third-party beneficiary rights.
• Interpretation. Section headings are for convenience only and do not affect interpretation. "Including" means "including without limitation."

17. Contact

Hallows Group LLC — support@worthsync.com — 5900 Balcones Dr #31966, Austin, TX 78731-4257, United States.