Terms & Conditions

1. Acceptance of Terms

Welcome to Wealthy ("the App"), developed and operated by Believe PR, owned by Armando Jimenez. By downloading, installing, accessing, or using the App, you ("User," "you," or "your") agree to be bound by these Terms and Conditions ("Terms").

1.1 Agreement to Terms

These Terms form a legally binding agreement between you and Believe PR. By using Wealthy, you represent that:

• You are at least 13 years of age (or the minimum age required by your jurisdiction)
• You have the legal capacity to enter into these Terms
• If you are under 18, you have obtained parental or guardian consent
• You will comply with all applicable laws and regulations

1.2 Additional Terms

In addition to these Terms, your use of Wealthy is also governed by:

• Our Privacy Policy
• Apple Media Services Terms and Conditions (iPhone and iPad)
• Google Play Terms of Service (Android)
• Apple iCloud terms (if you enable iCloud sync)
• RevenueCat's terms (subscription management layer)
• The Unsplash License and Terms (if you search for a theme background photo)

2. App Description

2.1 Purpose

Wealthy is a native affirmation companion for iPhone, iPad, and Android, focused on wealth, abundance, and money mindset, designed to help users:

• Discover affirmations through an immersive, full-screen swipe experience
• Save affirmations that matter to them in My Favorites
• Browse curated collections of money, abundance, and wealth-identity affirmations
• Write their own affirmations in My Affirmations
• Repeat a line deliberately in a timed practice session
• Receive optional daily reminder notifications
• Build themes from their own colors and photos

2.2 Key Features

• Collections: Curated collections of affirmations organized by theme (Daily Wealth, Abundance, Wealth Identity, Manifesting, Money Confidence, Earning Power, and more)
• My Favorites: The affirmations you save, kept private on your device
• My Affirmations: Affirmations you write yourself
• Practice: Timed repetition of a single line, with local progress
• Reminders: Local daily notifications
• Themes & Appearance: Jeweled finishes, custom themes built from your own photos, and light/dark/auto support
• Widgets: Affirmation widgets for your home and lock screen
• iCloud Sync: Optional sync across your Apple devices via CloudKit
• Backup file: On Android, an export you can save and restore yourself
• Wealthy Vault (paid tier): Optional subscription that unlocks the full library and the App's premium features

2.3 Availability

• Wealthy is available on the App Store for compatible Apple devices and on Google Play for compatible Android devices
• Certain features (such as iCloud sync, purchasing Wealthy Vault, and searching for a theme background photo) require an internet connection and a store account
• We reserve the right to modify, add, or discontinue features at any time

3. License to Use

3.1 License Grant

Subject to your compliance with these Terms, Believe PR grants you a limited, non-exclusive, non-transferable, revocable license to:

• Download and install Wealthy on devices you own or control
• Access and use Wealthy for personal, non-commercial purposes
• Use all features and functionalities as intended, including any Wealthy Vault features you have an active subscription to

3.2 License Restrictions

You may NOT:

• Copy, modify, or create derivative works of the App
• Reverse engineer, decompile, or disassemble the App
• Remove or modify any copyright, trademark, or proprietary notices
• Rent, lease, lend, sell, or sublicense the App
• Use the App for any commercial purpose without written permission
• Circumvent any security feature or Wealthy Vault entitlement check
• Use automated tools, scripts, or bots to interact with Wealthy
• Extract the bundled affirmation content for redistribution

3.3 Ownership

Wealthy and all of its intellectual property rights remain the exclusive property of Believe PR and Armando Jimenez. This license does not grant you any ownership rights in Wealthy or in the bundled content.

4. User Obligations

4.1 Responsible Use

You agree to:

• Use Wealthy in accordance with these Terms and applicable laws
• Use Wealthy in good faith for personal reflection on your relationship with money
• Keep your device and your store account secure
• Not use Wealthy for any unlawful, harmful, or deceptive purpose

4.2 No Account, Your Responsibility

Wealthy does not require an account. Because all of your data lives on your device (and optionally in your iCloud), you are responsible for:

• Securing your device and your store account
• Maintaining your iCloud backups, or exporting a backup file on Android, if you wish to preserve what you have saved
• Understanding that uninstalling Wealthy without iCloud sync or an exported backup will permanently delete your local data

5. User-Created Content

5.1 Your Affirmations

You retain full ownership of any affirmations you write yourself in My Affirmations and of everything you save to My Favorites. Because that content lives only on your device (and optionally inside your own iCloud), Believe PR does not claim, license, or moderate it.

5.2 Custom Theme Photos

Photos you choose for custom theme backgrounds remain yours. Wealthy stores them locally for the purpose of rendering your selected theme and does not upload them.

5.3 Saved & Shared Cards

You may use Wealthy to render an affirmation card and save or share it. Once you share that card outside Wealthy (for example, by saving it to Photos or sending it through another app), it becomes subject to the terms and policies of that other service.

6. Themes, Photos & Photo Search

6.1 Building a Theme

Wealthy lets you build a theme from the App's own finishes, from your own colors, or from a photo. A photo can come from your library, your camera, or a search of Unsplash's public photo library, offered inside the theme editor as a convenience.

6.2 Photos You Supply

You are responsible for having the right to use any photo you bring into a theme. Photos you supply stay on your device; Wealthy does not upload them, publish them, or share them with anyone.

6.3 Photos from Unsplash

Photos returned by the search are provided by Unsplash and remain subject to the Unsplash License and Unsplash's own terms. Wealthy shows the photographer's name where the search results are displayed. Using a photo inside your own theme is a personal use; redistributing it, selling it, or presenting it as your own is not, and is between you and Unsplash.

6.4 Search Is Optional

Photo search is the only part of theme building that reaches the internet, and it runs only when you type a search and ask for results. What you type is sent to Unsplash to return matching photos; nothing else about you or your app content goes with it. Themes made from the App's own finishes, your colors, or your own photos work entirely offline.

6.5 Service Availability

Photo search depends on a third-party service and may be temporarily unavailable due to outages, network issues, or rate limits. The rest of Wealthy — your affirmations, your favorites, your reminders, your practice, the bundled content, and your widgets — continues to work without an internet connection.

7. Wealthy Vault & Purchases

7.1 Free Tier

Wealthy is free to download and use. The free tier includes a selection of affirmations, the daily card, reminders, and widgets.

7.2 Wealthy Vault Subscription

Wealthy Vault is an optional auto-renewing subscription that unlocks:

• The full curated affirmation library
• Every collection and every theme
• Custom themes built from your own photos
• Premium appearance options

7.3 Pricing & Billing

• Pricing, billing cadence, and benefits are clearly disclosed inside the App at the point of purchase, in your local currency where the store supports it
• All charges are made by Apple to your Apple ID, or by Google to your Google account
• Subscriptions auto-renew at the end of each period unless you cancel at least 24 hours before the renewal date
• Free-trial periods, if offered, convert to paid subscriptions at the end of the trial unless canceled before that time

7.4 Managing Your Subscription

You can manage, change, or cancel your Wealthy Vault subscription at any time in Settings → Apple ID → Subscriptions on iPhone and iPad, or in Google Play → Profile → Payments & subscriptions on Android. Canceling stops the next renewal but leaves your access active for the remainder of the paid period.

7.5 Refunds

Because all transactions are processed by the store, refund requests must be made through Apple at reportaproblem.apple.com or through Google Play support. Believe PR cannot directly issue App Store or Google Play refunds.

7.6 Price Changes

We may change subscription prices over time. Apple or Google will notify existing subscribers of any material price increase and request consent as required by the store rules of your region.

8. Not Financial, Therapy, or Medical Advice

8.1 What Wealthy Is Not

Wealthy does NOT provide:

• Personalized investment, tax, or financial-planning advice
• Recommendations to buy, sell, or hold any security, asset, or product
• Guarantees of income, returns, or any specific financial outcome
• Medical diagnosis or treatment
• Mental-health therapy or counseling
• Crisis intervention services
• Personalized clinical or legal advice from a licensed professional

8.2 Affirmations Are Inspiration, Not Predictions

Affirmations are statements of intention and identity. They are not predictions, forecasts, or commitments — neither by you, nor by us, nor by any third party. Wealth outcomes depend on factors entirely outside the App.

8.3 If You Are in Crisis

If you are experiencing a mental-health emergency, please contact a qualified professional or emergency services in your country. In the United States, you can call or text 988 to reach the Suicide & Crisis Lifeline, or text HOME to 741741 for the Crisis Text Line. Internationally, visit findahelpline.com.

8.4 User Responsibility

You acknowledge and agree that:

• You use Wealthy at your own discretion and risk
• Affirmations are inspirational content, not personalized advice
• You are responsible for any financial decisions you make, and for seeking appropriate professional care when needed

9. Intellectual Property

9.1 Ownership

All intellectual property rights in and to Wealthy, including but not limited to:

• The Wealthy source code, application binary, and design
• The Wealthy name, logo, gold-coin mark, and treasury-key mark
• The Wealthy visual design system, color palettes, and typography choices
• The bundled affirmation content as a curated collection
• The text of these Terms and the Privacy Policy

...are owned exclusively by Believe PR and Armando Jimenez.

9.2 Trademarks

"Wealthy," "Wealthy Vault," and associated logos and marks are trademarks of Believe PR. You may not use these marks without prior written permission.

9.3 User Content

You retain ownership of:

• Affirmations you write yourself
• Custom theme photos you supply
• The contents of My Favorites, My Affirmations, your hidden list, and your history (as data on your device)

Because this data is stored locally and never transmitted to our servers, Believe PR claims no ownership and no license over it.

9.4 Copyright Concerns

If you believe content in Wealthy infringes your copyright, contact us at wealthy@armandojimenez.dev with sufficient detail to identify the work in question.

10. Prohibited Uses

You agree NOT to use Wealthy to:

10.1 Illegal or Harmful Activities

• Engage in any activity that violates local, state, national, or international law
• Harass, stalk, threaten, or harm any other person
• Create or distribute hateful, violent, sexual, or otherwise harmful content
• Generate financial scams, fraudulent solicitations, or pyramid / multi-level recruitment material

10.2 Unauthorized Access

• Reverse engineer, decompile, or modify the App
• Bypass security measures or Wealthy Vault entitlement checks
• Probe, scan, or test the App or the services it depends on for vulnerabilities

10.3 Commercial Misuse

• Resell, rent, or redistribute the App, the bundled content, or Wealthy Vault access
• Use Wealthy or its bundled content as a backend for another product or service
• Scrape or extract Wealthy's content programmatically

10.4 Malicious Activity

• Upload malware, viruses, or malicious code
• Disrupt the proper functioning of the App
• Attempt to overload, throttle, or crash any service the App depends on

11. Termination

11.1 Termination by You

You may stop using Wealthy at any time by:

• Uninstalling Wealthy from all of your devices
• Canceling your Wealthy Vault subscription in Settings → Apple ID → Subscriptions or in Google Play → Payments & subscriptions
• Deleting your Wealthy data from iCloud (if iCloud sync was enabled)

11.2 Termination by Us

We reserve the right to:

• Discontinue Wealthy at any time
• Revoke Wealthy Vault entitlements obtained through fraud, chargeback, or violation of these Terms
• Remove the App from the App Store or Google Play
• Disable specific features or content

11.3 Effect of Termination

Upon termination:

• Your license to use Wealthy immediately ends
• You must stop using the App
• Any prepaid, unused portion of a Wealthy Vault subscription remains subject to Apple's or Google's refund policies
• Provisions regarding intellectual property, disclaimers, limitation of liability, indemnification, and dispute resolution survive termination

12. Disclaimers

12.1 "AS IS" and "AS AVAILABLE"

WEALTHY IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR RELIABILITY
• UNINTERRUPTED OR ERROR-FREE OPERATION

12.2 No Guarantee of Outcome

WE DO NOT WARRANT THAT:

• Affirmations will be accurate, complete, or appropriate for any specific situation
• Use of Wealthy will lead to any specific financial, professional, or personal outcome
• Wealthy will be available at any particular time
• Bugs or errors will be corrected
• Wealthy will be compatible with all devices or future operating-system versions
• iCloud sync will be free of conflicts or data loss

12.3 Third-Party Services

WE ARE NOT RESPONSIBLE FOR:

• The availability, results, or policies of Unsplash's photo service
• RevenueCat's availability or its handling of subscription state
• Apple iCloud, CloudKit, StoreKit, App Store, Google Play, or Google Play Billing availability
• Device operating system issues, network outages, or other infrastructure failures

12.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of implied warranties. In those jurisdictions, the above exclusions may not apply to you, and you may have additional rights.

13. Limitation of Liability

13.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL BELIEVE PR, ARMANDO JIMENEZ, OR THEIR AFFILIATES BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES
• LOSS OF PROFITS, REVENUE, OR BUSINESS OPPORTUNITIES
• LOSS OF DATA OR INFORMATION (INCLUDING ANYTHING SAVED OR WRITTEN INSIDE THE APP)
• FINANCIAL LOSS OR INVESTMENT DECISIONS INFLUENCED IN ANY WAY BY AFFIRMATION CONTENT
• EMOTIONAL DISTRESS OR PERSONAL HARM ALLEGED TO ARISE FROM AFFIRMATION CONTENT
• COST OF SUBSTITUTE GOODS OR SERVICES

13.2 Cap on Liability

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO WEALTHY SHALL NOT EXCEED THE GREATER OF:

• USD $50
• The total amount you have paid to use Wealthy in the twelve (12) months preceding the claim

13.3 Basis of the Bargain

These limitations reflect the allocation of risk between you and Believe PR and are an essential basis of this agreement, which would not be offered without them.

13.4 Jurisdictional Exceptions

Some jurisdictions do not allow limitations on liability for certain types of damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

14. Indemnification

14.1 Your Indemnification

You agree to indemnify, defend, and hold harmless Believe PR, Armando Jimenez, and their affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use or misuse of Wealthy
• Your violation of these Terms
• Your violation of any applicable laws or regulations
• Your violation of the rights of any third party
• Any financial decision you make based, in whole or in part, on content shown by Wealthy

14.2 Defense of Claims

We reserve the right to assume exclusive defense and control of any matter subject to indemnification. You agree to cooperate with us in defending such claims.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Commonwealth of Puerto Rico, without regard to its conflict of law provisions.

15.2 Jurisdiction

You agree that any legal action or proceeding arising from these Terms shall be brought exclusively in the courts of the Commonwealth of Puerto Rico, and you consent to the personal jurisdiction of such courts.

15.3 Informal Resolution First

Before filing any legal action, you agree to attempt to resolve disputes informally by emailing wealthy@armandojimenez.dev and allowing 30 days for a good-faith response.

15.4 Class Action Waiver

TO THE EXTENT PERMITTED BY LAW, YOU AGREE THAT ANY DISPUTE SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, OR REPRESENTATIVE ACTION.

15.5 Consumer Rights

Nothing in these Terms limits your statutory rights as a consumer under applicable consumer protection laws.

16. Changes to Terms

16.1 Right to Modify

We reserve the right to modify these Terms at any time to reflect new features, legal requirements, or changes in business practices.

16.2 Notice of Changes

When we make material changes:

• The "Last Updated" date will be revised
• You may receive an in-app notice the next time you open Wealthy

16.3 Acceptance of Changes

By continuing to use Wealthy after changes are posted, you accept the modified Terms. If you disagree with any change, you must stop using Wealthy.

17. Contact Information

For questions, concerns, or notices regarding these Terms, please contact us:

17.1 Customer Support

• Email: wealthy@armandojimenez.dev
• Response Time: Within 2–5 business days

17.2 Legal Notices

• Email: wealthy@armandojimenez.dev
• Subject Line: "Legal Notice — Wealthy"