Terms and Conditions of Use

1. Acceptance of the terms

By accessing and using Walpli (hereinafter, “the service”), you accept these Terms and Conditions, as well as our Privacy Policy. If you act on behalf of an organization, you declare that you have the authority to bind it.

These terms comply with applicable international standards, including GDPR (EU), CCPA (California), Chile's Law 19.628 on the Protection of Privacy, and Law 19.496 on the Protection of Consumer Rights.

2. Description of the service

Walpli is a personal finance web and mobile application that allows you to:

• Record income and expenses manually or through AI.
• Create and manage virtual financial accounts.
• Organize transactions by categories and subcategories.
• Create and monitor budgets.
• Set up automatic recurring payments.
• Manage debts and pending payments.
• Import transactions from CSV or Excel files.
• View financial statistics and charts.
• Link Telegram (@walplibot) to record transactions via chat with text, audio, or image.

Important: Walpli is not:

• A banking institution.
• A professional financial advisory service.
• An investment or trading service.
• A payment issuing or processing entity.

The financial information recorded is the user's sole responsibility and should not be interpreted as professional advice.

3. Registration and user account

To use Walpli you must:

• Be at least 14 years old (if you are under 18, with the authorization of a parent or legal guardian).
• Provide a valid email.
• Keep your password confidential.
• Immediately report any unauthorized use.

You are responsible for all activity carried out from your account. Walpli may request additional verification in cases of suspicious use.

4. Plans, pricing, and billing

Free plan: includes essential features at no cost and with no credit card required, subject to usage limits (for example, on the number of entries per month, accounts, budgets, and automations). It does not include artificial intelligence features.

Pro plan: a paid subscription that includes the artificial intelligence features (WhatsApp and Telegram bots, voice logging, receipt photo reading, Walpli Coach, and bank statement import) and removes or raises the limits of the Free plan. It is billed monthly or annually, depending on the option chosen.

Pro trial: when you create your account, you can use Pro for free for 10 days, with no credit card required. When the trial ends, the account moves to the Free plan unless you subscribe to Pro.

We may change the prices, features, and limits of each plan. If a change affects you, we will notify you in advance; if you have an active subscription, at least 30 days in advance.

5. Acceptable use and user conduct

The user agrees to:

• Not use the service for illegal activities.
• Not attempt to access other users' data or accounts.
• Not introduce viruses, malware, or malicious code.
• Not compromise systems or servers.
• Not use the Telegram bot to send illegal content or spam.
• Not create multiple accounts to evade system limits.
• Not reverse engineer the system.

Non-compliance may result in suspension or deletion of the account.

6. Intellectual property

The Walpli brand, its design, architecture, and content are the exclusive property of the service owner. Reproduction or exploitation without express written authorization is prohibited.

7. User content and limited license

Walpli retains a limited, non-exclusive, and revocable license to:

• Store your content.
• Process it according to the service's features.
• Display it within the service.

The user may export their CSVs or delete them at any time.

8. Third-party integrations

Financial data (processed with AI) depends on:

• OpenAI (AI infrastructure)
• Supabase (DB)
• Telegram Bot API

The use of these integrations implies acceptance of the respective terms of service. Walpli assumes no responsibility for the availability or decisions of external services.

9. Use of artificial intelligence

When you use the bot:

• Messages are interpreted with OpenAI's artificial intelligence models.
• The AI may make mistakes.
• Know the limits: if you write "spent 5 bucks at the store", the recorded amount ($5.00) is the AI's interpretation.

It is your responsibility to review and correct transactions; when in doubt, Walpli does not guarantee accuracy in the automatic interpretation.

10. Limitation of liability

Walpli will not be responsible for:

• Financial losses resulting from the use of the app.
• Financial decisions made using the app.
• Data loss caused by force majeure.
• Failures in third-party services.
• Typographical errors manually entered by the user.

Our maximum liability is limited to the amount paid by the user during the last 12 months, if any.

11. Disclaimer of warranties

The service is provided “as is” and “as available.” We do not guarantee:

• Uninterrupted availability.
• The complete absence of errors.
• That the service will meet the user's specific expectations.

12. Indemnification

The user agrees to indemnify Walpli and hold it harmless from claims, losses, or expenses arising from:

• Misuse of the service.
• Violation of these Terms.
• Infringement of third-party rights.
• Illegal activities carried out through the platform.

13. Suspension and termination

Walpli may suspend or cancel accounts that:

• Breach these Terms.
• Pose security risks.
• Have active, unresolved disputes.

The user also has the right to cancel their account at any time, without penalties.

14. Privacy

The processing of personal data is governed by the Privacy Policy, available at walpli.com/privacidad.

15. Availability and maintenance

Walpli may:

• Carry out scheduled maintenance.
• Temporarily suspend the service.
• Update features.

Permanent availability is not guaranteed.

16. Modifications to the terms

Walpli may modify these terms at any time. Modifications will be published on walpli.com and will indicate the date of update. Continued use implies acceptance of the changes.

17. Governing law and dispute resolution

These Terms are governed by the laws of the Republic of Chile. Any dispute will be submitted to the courts of civil jurisdiction in Chile, without prejudice to consumer rights applicable internationally where appropriate.

18. Severability

If any clause is declared invalid, the remaining provisions will continue in full force and effect.

19. Entire agreement

These Terms constitute the entire agreement between the user and Walpli regarding the use of the service.

20. Contact

For any legal or operational inquiry, write to us at walpliapp@gmail.com.