Terms of Use (End User License Agreement) — Saving

Effective date: 2026-09-25

These Terms of Use (the "Agreement") are between you ("you") and BUILDWISE DIGITAL, a registered business in Ontario, Canada ("BUILDWISE DIGITAL", "we", "us"), and govern your use of the Saving application and its updates (the "App"). By installing or using the App, you agree to this Agreement. If you do not agree, do not use the App.

Ces conditions sont aussi offertes en français. The English and French versions are equally authoritative.

1. Who can use the App

You must be 18 or older, or the age of majority where you live, to use the App.

2. License

We grant you a personal, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, for your own personal, non-commercial use, subject to this Agreement and the rules of the app store you obtained it from.

3. Your data stays with you

The App keeps your financial data on your device. We operate no user accounts and do not receive your transactions, balances, budgets, goals or backups. The few cases in which the App sends information off your device — including the optional community price network, and the diagnostics Google's receipt-scanning component sends to Google — are described in the Privacy Policy, which forms part of this Agreement.

You are responsible for your own data, including making and safeguarding backups. To the extent permitted by law, we are not responsible for loss of data on your device (for example, from device loss, failure, reset or uninstalling the App). Keep your backup passphrase safe — we cannot recover it, because we never receive it.

4. Restrictions

You agree not to: (a) reverse engineer, decompile or disassemble the App except to the extent applicable law prohibits this restriction; (b) rent, lease, sell, sublicense or redistribute the App; (c) use the App to break any law; or (d) remove or alter any proprietary notices. You may not use the App if you are located in a country, or are a person, subject to Canadian or U.S. sanctions that prohibit it.

5. Not financial, investment, tax or legal advice

The App is a personal budgeting and organization tool. Its figures, forecasts, tax estimates, savings suggestions, example portfolios and coaching are general educational information only and are not financial, investment, tax or legal advice, nor a recommendation tailored to you. You are responsible for your decisions. For advice about your situation, consult a qualified professional.

6. Optional features and third parties

Some optional features connect to third parties you choose or expect — your own email provider, or public OpenStreetMap servers for nearby stores and fuel. Your use of those services is governed by their terms and privacy policies; we are not responsible for them. The App does not connect to any AI provider; its coaching and chat run on your device.

Community prices are served by us. They are contributed by other users and provided "as is" — they may be out of date, mistaken or no longer offered by the store. Treat them as a starting point, not a promise of what you will pay.

7. Subscriptions and the free period

Some features ("Premium" — currently the per-goal coaching plan and the money-guide chat) require a paid subscription. Your own data is never behind it: viewing, importing, exporting, backing up and deleting your data never require one.

• Free period. On first installation the App grants full access for a limited period, at no charge and without payment details. Its length is shown in the App. It is granted by the App, not by the app store, it is not a store "free trial", and it never turns into a paid subscription by itself.
• Buying. Purchases are made through Google Play under its terms and refund policy; we never receive your payment details. Prices are shown in the App as Google Play sets them for your region; applicable taxes may be added. Subscribing during your free period ends the free period, and billing starts that day.
• Automatic renewal. A subscription renews automatically at the end of each billing period (monthly or yearly) at the then-current price until you cancel. For a yearly plan, the App reminds you about three weeks before it renews. Google Play notifies you before any price increase applies to you.
• Cancelling. Cancel at any time in Google Play → Subscriptions (the App's "Manage subscription" button opens that page). Cancellation takes effect at the end of the period you have paid for, and you keep Premium until then. The current period is not refunded, except where Google Play's refund policy or the law that applies to you provides otherwise. Deleting the App does not cancel a subscription.
• Restoring. A subscription belongs to the Google account that bought it. "Restore purchases" re-checks it on a new or reinstalled device; no account with us is involved.
• Failed payments. If a renewal payment fails, Google Play may retry for a period during which access continues; if payment is not recovered, Premium ends until it is.
• Changes to Premium. We may add, change or remove Premium features. If we materially reduce what a current subscription includes, you may cancel, and you may contact us for help with a refund request through Google Play.

8. Your rights under consumer protection law

Nothing in this Agreement excludes or limits any right or remedy you have under consumer protection law that cannot be waived by contract — including, for Ontario residents, the Consumer Protection Act, 2002, and for Quebec residents, the Consumer Protection Act (Quebec). Sections 9 and 10 apply only to the extent that such law allows.

9. No warranty

To the extent permitted by the law that applies to you, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. We do not warrant that the App will be uninterrupted or error-free, or that it will meet your requirements.

10. Limitation of liability

To the extent permitted by the law that applies to you, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, PROFITS OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11. Updates and changes to this Agreement

We may release updates that add, change or remove features. If we change this Agreement, we will post the new version with a new effective date and tell you in the App before a material change takes effect.

12. Termination

This Agreement lasts until it ends. It ends automatically if you breach it. When it ends, stop using and uninstall the App. Sections 3, 5 and 7–10 survive.

13. Governing law

This Agreement is governed by the laws of Ontario, Canada, and the federal laws of Canada that apply there, without regard to conflict-of-laws rules — except that you keep the protection of any mandatory consumer protection law of the place where you live.

14. Contact

BUILDWISE DIGITAL — [email protected] — postal address available on request