Terms of Use for Worth

Last Updated: May 2026

These Terms of Use (“Terms”) govern your access to and use of the Worth mobile application and related services (collectively, the “Services”), operated by Worth (“we,” “us,” or “our”).

By accessing or using the Services, you agree to be bound by these Terms and our Privacy Notice. If you do not agree, do not use the Services.

1. License to Use the Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use.

You may not:

• Sell, rent, lease, sublicense, or commercially exploit the Services;
• Reverse engineer, decompile, modify, or attempt to extract the source code of the app except where permitted by law;
• Remove, alter, or obscure copyright, trademark, or proprietary notices;
• Use automated systems, bots, scripts, or similar technologies to interfere with the operation of the Services;
• Use the Services in any manner that violates applicable laws or regulations.

2. Local Data Storage

Worth is designed to store your expense records, notes, moods, categories, statistics, and related information locally on your device.

You are responsible for:

• Maintaining access to your device;
• Protecting your device from unauthorized access;
• Creating backups if you wish to preserve your data.

Uninstalling the app, resetting your device, or clearing app data may permanently remove locally stored information.

3. Google Drive Backup

Worth offers an optional backup feature that allows you to store backups in your personal Google Drive account.

If you choose to use this feature:

• You may be required to sign in with your Google account;
• Backup files are stored in your Google Drive account;
• You are responsible for maintaining access to your Google account;
• We are not responsible for data loss resulting from changes to, suspension of, or loss of access to your Google account.

Google’s terms and policies apply to your use of Google Drive and Google Sign-In.

4. Purchases and Subscriptions

Certain features of Worth may require a paid subscription or one-time purchase.

Subscriptions and purchases may be processed through:

• Apple App Store
• Google Play
• RevenueCat

Payment processing is handled by these third-party providers. We do not collect or store your payment card information.

Subscription renewals, cancellations, refunds, and billing matters are subject to the terms of the platform through which the purchase was made.

RevenueCat Privacy Policy:

https://www.revenuecat.com/privacy

5. Analytics

Worth may use analytics services, including PostHog, to understand app usage, improve functionality, and enhance the user experience.

Analytics may include:

• Feature usage
• Screen views
• App version information
• Device and platform information
• Performance and stability metrics

Analytics data is used to improve the Services and does not guarantee any particular results, recommendations, or outcomes.

6. Acceptable Use

You agree not to:

• Violate any applicable laws or regulations;
• Attempt to gain unauthorized access to the Services;
• Interfere with the operation, security, or integrity of the Services;
• Introduce malicious code, viruses, or harmful software;
• Use the Services in a way that may harm other users or third parties;
• Abuse subscription, backup, or analytics features.

We may restrict or terminate access to certain features if misuse is detected.

7. Intellectual Property

The Worth application, including its software, design, branding, graphics, icons, text, and related materials, is owned by us or our licensors and is protected by applicable intellectual property laws.

These Terms do not grant you ownership of any intellectual property rights associated with the Services.

8. Disclaimers

The Services are provided on an “as is” and “as available” basis.

To the maximum extent permitted by law, we make no warranties regarding:

• Availability or uptime of the Services;
• Accuracy of analytics, insights, spending personality assessments, predictions, or recommendations;
• Compatibility with all devices or operating systems;
• Error-free or uninterrupted operation.

Features such as spending insights, spending personality, spending DNA, regret analysis, goals, predictions, and reports are provided for informational and self-reflection purposes only and should not be considered financial, legal, investment, or professional advice.

9. Limitation of Liability

To the maximum extent permitted by law, Worth shall not be liable for:

• Loss of locally stored data;
• Loss of backup files;
• Loss of access to third-party services such as Google Drive;
• Financial decisions made based on app insights or recommendations;
• Indirect, incidental, special, consequential, or punitive damages.

Our total liability arising from or relating to the Services shall not exceed the amount you paid to use the Services during the previous 12 months, or $50 USD, whichever is greater.

10. Termination

You may stop using the Services at any time.

We may suspend, restrict, or terminate access to certain features if:

• These Terms are violated;
• Abuse, fraud, or misuse is detected;
• Required by law or third-party service providers.

Termination does not affect rights or obligations that arose prior to termination.

11. Changes to These Terms

We may update these Terms from time to time.

Updated Terms become effective upon posting within the app or through other appropriate notice.

Continued use of the Services after changes become effective constitutes acceptance of the revised Terms.

12. Governing Law

These Terms are governed by the laws of the Philippines, without regard to conflict of law principles.

13. Contact Us

For questions regarding these Terms, contact:

Email: dpo@notebaby.app