Terms of service

WatchYourMoney is a habit coach, not financial advice. It helps you follow spending rules you choose. It does not offer banking, investment, tax or debt advice, or guarantee financial results.

Your account and choices

Use an email you control and keep sign-in codes private. You are responsible for the information you enter. Coaches respond to spending behavior, not your worth or income. Faith-based rules are optional and chosen by you.

Premium and payments

Web pricing is $5 monthly, $40 yearly and $180 lifetime in USD before any applicable taxes. Monthly and yearly plans offer 30 days free where eligible. Check the provider’s checkout for your final price, trial eligibility and renewal date. Recurring plans renew unless canceled through the purchase provider before renewal. Lifetime is one payment for lifetime Premium access to WatchYourMoney; it is not a recurring subscription or a promise of any specific future feature.

Native purchases are managed by the App Store or Google Play, with the local price shown by the store before purchase. Polar.sh is the merchant of record for web purchases and handles their checkout, billing and refunds. Sign in with the same email in the app to use a web purchase. We never take card details directly.

Cancellation and deletion

Cancel recurring billing through the provider where you purchased. Uninstalling the app or deleting your account does not cancel your subscription. Refund and cancellation rights provided by applicable law are not limited by these terms.

Service and support

Keep a copy of information you need using the app’s export controls. Offline features work locally; sign-in, purchases and sync need a connection. Contact hello@watchyour.money for questions about the service or these terms.