Terms of Use

These terms govern the use of Wallyn, a personal finance app by Wallyn Sistemas Financeiros, available at app.wallyn.com.br. By creating an account, you agree to them and to thePrivacy Policy.

1. What Wallyn is

Wallyn is an organizing tool: you record accounts, cards, income, expenses, budgets and goals, and the app calculates balances, invoices and installments from those records. Wallyn is not a bank, does not move money, does not connect to your bank account and does not offer investment advice or recommendations.

2. Your account

• You must provide truthful information and keep your e-mail up to date.
• You are responsible for keeping your password secret and for everything done in your account.
• By inviting other holders or linking accounts, you allow those people to see and change the data shared with them.

3. Plans

Wallyn has a free plan and paid plans, with the limits and prices described on theplans page. You can change plans at any time from your profile. When you go back to a smaller plan, your data is kept, but you cannot add new items while usage is above the plan limit. Prices and limits may change, with prior notice to existing subscribers.

4. Your data

The records you create are yours. You allow us to store and process them only to provide the service. The accuracy of balances and reports depends on what you record: check the information before making financial decisions based on it.

5. Acceptable use

You may not:

• use Wallyn for illegal activities or to violate the rights of others;
• try to access other people’s accounts or data without authorization;
• overload, copy or reverse engineer the service;
• use unauthorized automated means to access the app.

6. AI assistants and connected apps

You may authorize an artificial intelligence assistant or another MCP-compatible app to access your Wallyn account. By authorizing, you agree that the app acts on your behalf and can see and change your account data (the authorization has no partial levels). You are responsible for choosing apps you trust and for the actions you authorize. Deletions and reversals are only carried out after your explicit confirmation. The connected app is independent of Wallyn and handles the data it receives under its own terms and privacy policy. You can disconnect the app at any time. Payments and transfers made this way are only records in your financial tracker: Wallyn does not move money.

7. Availability and liability

We work to keep Wallyn available and correct, but the service may go through maintenance, changes and failures. To the extent allowed by law, Wallyn is not liable for financial decisions made based on information in the app or for losses caused by incorrectly recorded data. Nothing in these terms limits the rights that the Brazilian Consumer Defense Code (Código de Defesa do Consumidor) gives you.

8. Termination

You can delete your account whenever you want, from Profile. We may suspend or close accounts that violate these terms, with notice whenever possible.

9. Changes to these terms

These terms may be updated. The date at the top shows the version in force, and relevant changes will be communicated through the app or by e-mail.

10. Governing law

These terms follow the laws of Brazil.

Questions about these terms: atendimento@wallyn.com.br.