Terms of Service

What Homwe is

Homwe is a personal finance tracking application. It helps you log income and expenses, set budgets, create savings goals, and share financial categories with household members.

Homwe is not a bank, a financial advisor or a regulated financial service. Nothing in the app constitutes financial advice. The numbers you see are based entirely on data you enter we don't verify, audit or guarantee their accuracy.

Your account

When you create an account, you're responsible for:

• chevron_rightKeeping your login credentials secure
• chevron_rightAll activity that occurs under your account
• chevron_rightProviding accurate information when setting up your profile
• chevron_rightNotifying us promptly if you suspect unauthorized access

You must be at least 16 years old to use Homwe. If you're under 18, you should use the app with a parent or guardian's knowledge.

Using the service

Homwe is provided for personal, non-commercial use. You may:

• chevron_rightCreate and manage your own financial data
• chevron_rightInvite family members to a shared household
• chevron_rightExport your own data

The app is provided as-is during the pre-launch and early-access period. Features may change, be removed or be added without notice. We'll always try to communicate significant changes in advance.

Payments & billing

Homwe will offer a free tier and a paid Family plan. During the waitlist period, no payment is required or collected.

When billing launches:

• chevron_rightSubscriptions renew automatically unless you cancel before the renewal date
• chevron_rightRefunds are offered within 7 days of any charge if you're not satisfied
• chevron_rightWe'll notify you at least 7 days before any price changes take effect
• chevron_rightCancelling stops future charges you keep access until the end of your billing period

Your data

Your financial data belongs to you. We don't claim ownership of anything you enter into Homwe. You can export or delete your data at any time.

See our Privacy Policy for full details on how we handle your data.

Prohibited use

You may not use Homwe to:

• chevron_rightViolate any applicable law or regulation
• chevron_rightImpersonate another person or household
• chevron_rightAttempt to access another user's account without permission
• chevron_rightReverse-engineer, scrape or copy the service
• chevron_rightUse the service for commercial resale or redistribution

We reserve the right to suspend or terminate accounts that violate these terms without notice.

Disclaimers

Financial decisions based on Homwe data are entirely your responsibility. We are not liable for errors in data you enter, calculation quirks or decisions made based on the app's projections.

Limitation of liability

To the maximum extent permitted by law, Homwe's liability for any claim arising from your use of the service is limited to the amount you paid us in the 12 months preceding the claim — or $10 if you paid nothing.

We are not liable for indirect, incidental, special or consequential damages including lost profits, lost data or financial losses arising from your use of the app.

Changes to these terms

We may update these terms from time to time. If we make material changes, we'll notify you via email and update the date at the top of this page. Continued use of Homwe after the effective date means you accept the new terms.

If you disagree with a change, you can close your account before the effective date.

Contact

Questions about these terms? Email hello@homwe.co.zw. These terms are governed by the laws of Zimbabwe.