Terms of use

Last updated: October 17, 2026

These terms are the agreement between you and Julio Hahn, who operates WisExpense ("we", "us"). They apply to the website at wisexpense.ca, the web app at app.wisexpense.ca, and the WisExpense apps for iPhone and Android. By creating an account or using WisExpense, you accept them. The privacy policy explains how we handle your personal information.

1. Your account

• You must be at least 16 to create an account. To buy a subscription, you must be of legal age where you live (18 in Quebec), or have a parent's or guardian's permission.
• Give accurate information, and keep your sign-in details to yourself. You're responsible for what's done with your account.
• Tell us at jhahn.gp@gmail.com if you think someone else is using your account.

2. What WisExpense is, and isn't

WisExpense helps you record expenses, set budgets and share wallets. It's a tool, not advice:

• It doesn't give financial, tax, accounting or legal advice. Decisions you make with it are yours.
• Currency conversions use exchange rates that may be delayed or approximate. Don't rely on them for transactions where the exact rate matters.
• Receipt scanning can misread a receipt. Check the result before you save it.
• Alerts and notifications depend on your device, your carrier and other providers. We can't guarantee that every alert arrives, or arrives on time.

3. Shared wallets

When you share a wallet, the people you invite can see its records, and change them if you allow it. Only share with people you trust. You're responsible for what you add to a wallet, including one someone else owns. A wallet's owner can remove someone's access at any time.

4. Using WisExpense fairly

Don't:

• use WisExpense for anything illegal, or to record another person's information without the right to do so;
• try to access other people's accounts or data;
• overload, disrupt or probe the service, or get around its limits or security;
• copy, resell or reverse-engineer the service, except where the law allows it.

5. Plans and subscriptions

Plans. WisExpense has a free plan, with limits on wallets and daily actions, and paid plans (Standard, Premium and Collaboration). What each plan includes, and its price, are shown on the pricing page and in the app before you subscribe. The price shown is the price you pay: no tax is added.

Payment and renewal. Payments are processed by Stripe. When you subscribe, you choose to pay every month or every year, and you're charged the plan's price for the first period. Your subscription then renews automatically every month or every year, as you chose, and you're charged at the start of each period, until you cancel.

Changing plans. If you move to a higher plan, the app first tells you the amount you'll be charged, and the change is immediate once you confirm: you're charged the difference for the rest of the current period. If you move to a lower plan, or switch between monthly and yearly billing, the change takes effect at the end of the period you've paid for, and you keep your current plan until then. You can undo a scheduled change before it takes effect.

Cancelling. You can cancel at any time in the app, under Subscription. It takes effect at the end of the period you've paid for: you keep your paid features until then, and you won't be charged again. Your account then moves to the free plan. Your records stay, but features beyond the free plan are no longer available: for example, wallets you created beyond the free limit become read-only. If you delete your account, your subscription ends at once and you won't be charged again.

Refunds. Payments already made aren't refunded for the rest of a billing period, or when you delete your account, except where the law requires it.

Failed payments. If a renewal payment fails, we'll let you know in the app, and Stripe retries the payment over the following days. You keep your paid features for 7 days after the payment was due. If the payment still hasn't succeeded, your subscription ends and your account moves to the free plan. Your records stay.

Price changes. We'll tell you at least 30 days before a new price applies to your subscription. You can cancel before then at no cost. If you don't, the new price applies from your next renewal.

6. Your content

What you enter in WisExpense stays yours. You give us permission to store, process and display it only as needed to provide the service to you and to the people you share with.

7. Our service

We work to keep WisExpense available and your data safe, but we can't promise the service will be uninterrupted or error-free. We may change, add or remove features. If we remove a paid feature you rely on, we'll tell you in advance, and you can cancel.

8. Liability

As far as the law allows, we aren't liable for indirect or consequential losses, such as lost profits, or losses from decisions you make using WisExpense. Our total liability to you is limited to the amount you paid us in the 12 months before the claim.

Nothing in these terms limits our liability for intentional or gross fault, or for bodily or moral injury. Nothing in these terms takes away rights you have as a consumer that can't be limited by contract, including under Quebec's Consumer Protection Act or the consumer law of the country where you live.

9. Ending your use

You can stop using WisExpense at any time, and delete your account as explained on the account deletion page. We may suspend or close an account that seriously or repeatedly breaks these terms. Unless that would be unlawful or unsafe, we'll warn you first and explain why.

10. Changes to these terms

We'll tell you at least 30 days before a significant change takes effect, in the app or by email. If you don't agree, you can cancel your subscription or delete your account before then. If you keep using WisExpense after the change, the new terms apply.

11. Applicable law

These terms are governed by the laws of Quebec and the federal laws of Canada that apply there. Disputes go to the courts of Quebec. If you're a consumer living elsewhere, you keep the protection of the mandatory laws of the place where you live, and you can go to its courts.

12. Languages

These terms are available in French, English and Spanish, and the versions are equivalent. If they differ, the French version prevails.

13. Contact

For any question about these terms, write to jhahn.gp@gmail.com.