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thrwa.app

Privacy Policy and Terms of Use

Part A: Privacy Policy (How We Handle Your Data)


1. Information We Collect

  • Registration Data:Information you provide when creating an account, such as your Email address, Name, and secure Password/Login credentials.
  • Financial Data (Non-Linked): Details you manually enter into the app, including Income amounts, Expense entries, Budget categories, and your Savings Goals. Thrwa does not require, access, or store your bank login credentials.
  • Usage Data:Non-personal technical data about how you interact with the app, such as Device type, time spent in-app, and features used. This helps us identify areas for improvement.
  • Cookies and Tracking:We may use limited cookies or similar technologies for analytics purposes to understand app performance and effectiveness. We do not use them for targeted marketing based on your financial data.

2. How We Use Your Information

  • Service Provision:To provide and maintain the core Thrwa service (budgeting, reporting, goal tracking, etc.).
  • App Improvement: To improve the app's functionality and develop new features (like the upcoming Wealth Management module).
  • Communication:To send you essential service updates, technical notices, and respond to your support inquiries.
  • Security: For internal auditing, security monitoring, and fraud prevention.

3. Data Security and Storage
Your peace of mind is our highest priority.

  • Security Measures: We explicitly use bank-grade encryption and security protocols to protect your data from unauthorized access or disclosure.
  • Data Handling: To maximize your security, Thrwa never requires or stores your bank login credentials. Your manually entered financial data is stored securely and separately within our encrypted system.

  • No Sharing Policy: We strictly do not sell, rent, or share your personal or financial data with any third-party marketing companies or external businesses.

Part B: Terms of Use (The Rules of the App)

These Terms outline the agreement between you (the user) and Thrwa regarding the use of our service.


1. Acceptance of Terms

By downloading, installing, or using the Thrwa app or website, you confirm that you have read, understood, and agree to be bound by these Terms of Use.


2. User Obligations

  • Data Accuracy: You are solely responsible for the accuracy and legality of all financial data and content you enter into the Thrwa app.
  • Acceptable Use: You agree to use the app only for its intended purpose (personal financial planning) and will not use it for any illegal, harmful, or fraudulent activity.


3. Disclaimer of Liability

  • App Accuracy: While we strive for absolute accuracy and continuous service, we cannot guarantee that the app will be completely free of errors, technical interruptions, or omissions.

Part C: Subscription, Cancellation, and Refunds

This section governs the terms for Thrwa Premium subscriptions.


1. Subscription Terms (Thrwa Premium)

  • Billing Cycle: We offer monthly and annual subscriptions to Thrwa Premium. Payments are processed at the beginning of the chosen cycle.
  • Auto-Renewal: For your convenience, all Thrwa Premium subscriptions are set to automatically renew at the end of the current term unless you cancel prior to the renewal date.
  • Price Changes: We reserve the right to change our subscription prices. We will provide you with advance notice of any price changes, and you will have the option to cancel before the new price takes effect.


2. Cancellation Policy

  • Continued Access: When you cancel, your access to Premium features will still be valid until the end of the already paid subscription period. No partial refunds are issued for unused time.


3. Refund Policy

  • General Rule: In line with app store policies, all subscriptions are generally non-refundable after the initial free trial period has concluded and the paid term has begun.
  • Exceptions: Refunds will only be considered in cases of proven billing error or where explicitly required by local consumer protection laws. All refund requests must comply with the policies of the App Store or Google Play from which the subscription was purchased.