Walletto2
Effective Date: March 26, 2026
These Terms of Use (“Terms”) govern your access to and use of the Walletto2 application and related services (the “Service”), operated by Veaceslav Cartera (“we,” “us,” or “our”), based in the Republic of Moldova.
By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Service.
Walletto2 is a personal budgeting and expense tracking application available on iOS, Android, and the Web. The Service allows users to record income and expenses, organize transactions into categories, set budgets, and view financial summaries and reports.
Important: Walletto2 is a personal finance management tool only. It does not provide financial, investment, tax, or legal advice. It does not connect to bank accounts or process financial transactions. All data entered is user-provided and user-managed.
The Service is currently provided free of charge. However, we reserve the right to introduce paid features, subscription plans, or other pricing models in the future.
If we introduce fees or paid tiers, we will provide you with at least 30 days’ prior notice via the Service or by email. Any new pricing will apply only going forward and will not be charged retroactively. Free features available at the time of your registration may be moved to a paid tier, modified, or discontinued at our discretion, subject to the notice requirements described in these Terms.
You are under no obligation to pay for any future paid features, but access to certain functionality may require a subscription or one-time purchase once pricing is introduced.
You must be at least 16 years of age to use the Service. By using the Service, you represent and warrant that you meet this age requirement. If we learn that a user is under 16, we will terminate their account and delete their data.
To access the Service, you must create an account using a valid email address and password, or by signing in through a supported third-party authentication provider (such as Google or Apple).
You are responsible for:
We are not liable for any loss or damage arising from your failure to protect your account credentials.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:
You retain ownership of all financial data and content you enter into the Service. By using the Service, you grant us a limited, non-exclusive license to process and store your data solely for the purpose of providing the Service to you.
You are solely responsible for the accuracy and legality of the data you enter. We do not verify, audit, or validate any financial information you provide.
You are strongly encouraged to maintain your own independent backups of any data you enter into the Service. We do not guarantee the preservation, availability, or recoverability of your data (see Sections 11 and 12 below).
The Service, including its design, code, features, graphics, logos, and all related intellectual property, is owned by Veaceslav Cartera and is protected by the intellectual property laws of the Republic of Moldova and applicable international treaties.
You may not copy, modify, distribute, sell, or create derivative works based on the Service or any part thereof without our prior written consent.
The Service is provided “as is” and is subject to change at any time. We strive to keep the Service available and functional, but we do not guarantee uninterrupted, error-free, or continuous access.
We reserve the right to, with prior notice where reasonably practicable:
Where changes materially affect your use of the Service, we will provide reasonable advance notice via the Service or by email. However, urgent security fixes, legal compliance updates, or critical bug patches may be deployed without prior notice.
You may delete your account at any time through the Service or by contacting us. Upon deletion, your personal data will be removed in accordance with our Privacy Policy.
We may suspend or terminate your account at our discretion if:
We will make reasonable efforts to notify you before termination, except where prohibited by law or where immediate action is necessary to protect the Service.
We do not warrant that:
Walletto2 is not a substitute for professional financial advice. You should consult qualified professionals for financial, tax, or legal decisions.
You acknowledge that the Service may be subject to limitations, delays, and other problems inherent in the use of internet-based and self-hosted infrastructure, and that we are not responsible for any delays, delivery failures, or other damages resulting from such problems.
Data loss may occur due to, but not limited to:
While we take reasonable precautions to protect your data, we make no guarantees regarding data integrity, backup, or recoverability. You are solely responsible for maintaining your own copies and backups of any data you consider important. We strongly recommend that you regularly export or back up your financial data through any export features provided by the Service.
In no event shall we be liable for the loss of, damage to, or inability to access your data, whether such loss is partial or complete, temporary or permanent.
This limitation applies regardless of the legal theory on which the claim is based (contract, tort, negligence, strict liability, or otherwise), even if we have been advised of the possibility of such damages.
Our total aggregate liability for any and all claims arising from or related to the Service shall not exceed the total amount you have actually paid to us, if any, in the twelve (12) months immediately preceding the event giving rise to the claim. If the Service was provided to you free of charge, our maximum aggregate liability shall be limited to zero (0).
You agree to indemnify and hold harmless Veaceslav Cartera from any claims, damages, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party rights.
These Terms are governed by and construed in accordance with the laws of the Republic of Moldova, without regard to conflict of law principles.
Any disputes arising from or relating to these Terms or the Service shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to the competent courts of the Republic of Moldova.
We reserve the right to modify these Terms at any time. When we make changes, we will update the “Effective Date” at the top of this document and notify you through the Service or by email at least 15 days before the changes take effect. Your continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
If you do not agree with the revised Terms, you must stop using the Service and delete your account before the changes take effect.
If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the Service, and supersede any prior agreements or understandings.
If you have any questions about these Terms, please contact us: