Walletto2 P
Effective Date: September 1, 2026
These Terms of Use (“Terms”) govern your use of the Walletto2 P application (the “Application”), operated by Veaceslav Cartera (“we,” “us,” or “our”), based in the Republic of Moldova.
By installing or using the Application, you agree to be bound by these Terms. On first launch, the Application will additionally ask you to confirm that you have read and accepted these Terms and that you understand the data responsibilities they describe. If you do not agree, you must not use the Application.
Walletto2 P is a personal budgeting and expense tracking application for iOS and Android that operates entirely on your device. It has no server component, requires no account, and does not transmit your financial data over any network. Data enters the Application either by your manual entry or by importing an encrypted backup package (a “Package”), and leaves it only when you export such a Package or a report yourself.
Important: Walletto2 P 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 Application is a paid product distributed through the Apple App Store and Google Play. Your purchase is made from, and processed by, the respective store under its own terms of sale; we receive no payment details from it.
Subject to these Terms and to your payment of the purchase price, we grant you a personal, non-exclusive, non-transferable, revocable license to install and use the Application on devices you own or control, for your personal, non-commercial use. All rights not expressly granted are reserved.
You must be at least 16 years of age, or the age required to enter into a binding agreement in your jurisdiction, whichever is higher, to use the Application.
Because the Application stores your data only on your own device, custody of that data rests entirely with you. You are solely responsible for:
Unlike a cloud service, there is no party other than you who holds your data, and therefore no party other than you who can preserve it. These Terms allocate the responsibility for safekeeping accordingly.
We strongly encourage you to export a backup Package at least once per day and to keep it with a reputable cloud storage provider, in addition to any copies you keep locally. Data you have not backed up exists in exactly one place — your device — and is only as safe as that device.
Where the Application creates automatic local backup Packages, these are stored on the same device as the Application itself and are not a substitute for copies kept elsewhere: any event that destroys the device or its storage destroys the automatic backups with it.
The timing of backups is your responsibility. Data entered after your most recent backup is not contained in any Package and will be lost with the device if no newer backup is made.
Packages are encrypted on your device with a key derived from a password you choose. We never see, store, or transmit your password, and no copy of it exists anywhere outside your own memory or records.
This is not a policy choice we could waive on request; it is a technical consequence of the Application’s design. Recovery of an encrypted Package without its password is not possible for us or for anyone.
The confidentiality of a Package likewise depends entirely on the strength of its password. If you choose a weak, short, or reused password, a person who obtains the Package file may be able to guess the password and read its contents. We cannot guarantee, and accept no responsibility for, the confidentiality of a Package protected by a weak password.
You choose where your Packages are stored — on your device, on external media, or with third-party services such as iCloud, Google Drive, or other storage providers. Any third-party storage you use is governed by that provider’s own terms; we have no relationship with, access to, or control over such services.
We accept no responsibility or liability if you lose access to a location where your Packages are stored, for any reason — including, without limitation, a closed, suspended, or compromised account; forgotten credentials; an expired subscription; a lost, damaged, or failed drive; or a provider modifying or discontinuing its service.
The Application stores data only on your device. If your device is lost, stolen, damaged, or suffers hardware or software failure or any other malfunction, the data on it — including the Application’s data and any Packages stored on the same device — may be irrecoverably lost.
We accept no responsibility or liability for data loss arising from the loss, theft, failure, or malfunction of your device. This applies with particular force where a single device held both the Application’s data and the only copies of your backup Packages: in that situation, the loss of the device means the total and permanent loss of your data. Keeping at least one backup Package off the device (see Section 6) is the only protection against this outcome.
We take care to keep the Application reliable, and we test updates and data migrations before releasing them. Nevertheless, no software is free of defects, and to the maximum extent permitted by law we shall not be liable for corruption of, damage to, or loss of your data resulting from:
A current backup Package kept off the device (see Section 6) is your protection against all of the above.
The Application is supported only as an official build obtained from the Apple App Store or Google Play, running on an unmodified operating system. We accept no responsibility or liability for data loss, corruption, malfunction, or security compromise of any kind where:
You agree to use the Application only for lawful purposes and in accordance with these Terms. You agree not to:
The Application, 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. Your data remains yours; the Application remains ours.
We do not warrant that:
Walletto2 P is not a substitute for professional financial advice. You should consult qualified professionals for financial, tax, or legal decisions.
Without limiting the specific provisions of Sections 5 through 11, data loss may occur due to, among other causes: device loss, theft, failure, or malfunction; software defects, updates, migrations, or operating-system upgrades; a forgotten or lost Package password; loss of access to a storage location; use of unofficial or modified software or systems; accidental deletion; or force majeure events.
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. Your sole protection against data loss is the backup discipline described in Section 6.
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 Application shall not exceed the amount you actually paid for the Application in the twelve (12) months immediately preceding the event giving rise to the claim.
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 Application, 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 Application shall be resolved through good-faith negotiation. If negotiation fails, disputes shall be submitted to the competent courts of the Republic of Moldova.
We may modify these Terms from time to time. When we do, we will update the “Effective Date” at the top of this document and publish the revised version at this address; material changes will also be noted in the Application’s release notes. Your continued use of the Application after changes take effect constitutes acceptance of the revised Terms. If you do not agree with the revised Terms, you must stop using the Application.
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 Application, and supersede any prior agreements or understandings.
If you have any questions about these Terms, please contact us: