Terms of Service

Effective date: June 7, 2026  ·  Last updated: June 7, 2026

These Terms of Service ("Terms") govern your use of the JustBalance mobile application ("App") operated by Woowa ("we", "us", "our"). By downloading or using the App, you agree to be bound by these Terms.

1. The Service

JustBalance is a personal finance management application that allows you to record, categorize, and analyze your financial transactions using a double-entry bookkeeping system. The App supports multiple currencies, recurring transactions, budget tracking, and portfolio management.

2. Eligibility

You must be at least 16 years of age to use the App. By using the App, you confirm that you meet this requirement.

3. User Account

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately at team.woowa@gmail.com if you suspect unauthorized access to your account.
• You may delete your account at any time via Settings → Delete Account.

4. Your Data

All financial data you enter in the App belongs to you. We do not claim any ownership over your data. Our collection and use of your personal data is governed by our Privacy Policy, which forms part of these Terms.

5. No Financial Advice

JustBalance is a personal finance recording and tracking tool. Nothing in the App constitutes financial, investment, tax, or legal advice. Any calculations, projections, or summaries shown in the App are provided for informational purposes only. You should consult a qualified professional before making financial decisions.

6. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose or in violation of these Terms.
• Attempt to gain unauthorized access to our systems or another user's account.
• Reverse engineer, decompile, or otherwise attempt to extract the source code of the App.
• Use the App to store or transmit malicious code.

7. Availability and Changes

We reserve the right to modify, suspend, or discontinue the App at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the service.

We may update these Terms from time to time. We will notify you of material changes via an in-app notice. Continued use of the App after changes constitutes acceptance of the revised Terms.

8. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Woowa shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or loss of goodwill, arising out of or in connection with your use of the App, even if we have been advised of the possibility of such damages.

Our total aggregate liability to you for any claims under these Terms shall not exceed the amount you paid us in the 12 months preceding the claim, or €50, whichever is greater.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Germany, without regard to its conflict of law provisions. Any disputes shall be subject to the exclusive jurisdiction of the courts of Germany, unless otherwise required by applicable consumer protection law in your country of residence.

11. Contact

For any questions regarding these Terms:
Woowa
team.woowa@gmail.com