1. Operator and accepting these terms
- Trader/operator legal name: pending.
- Geographic and email address: pending.
- VAT/tax/company-registration details: pending, if applicable.
- Customer-service and cancellation contact: pending.
By using Tenthwise, you agree to the version of these terms made available to you. If you do not agree, do not use the service. No paid contract should be concluded while the mandatory trader information and checkout disclosures remain pending.
You must have legal capacity to enter the relevant contract. The minimum account age and any parental-consent process will be fixed before launch; this service is not directed to children.
2. What Tenthwise provides
Tenthwise provides tools to record and organize budgets, transactions, assets, debts, goals, habits and educational scenarios. Local mode stores the main workspace in your browser. Optional Firebase account/sync, public snapshots, paid entitlements and third-party integrations are available only when configured and chosen.
Tenthwise does not hold, transfer or invest your money; initiate bank payments; connect to brokerage accounts; execute orders; provide credit; or guarantee any financial result. Wise transfer, if offered for a subscription, is a manual payment route to the operator and not an in-app banking feature.
Features may evolve for security, accessibility, law, maintenance or product improvement. We will give reasonable notice of material changes that adversely affect a paid service, unless urgent action is needed. Mandatory consumer rights and conformity remedies are not excluded.
3. Accounts, local data and backups
You are responsible for accurate sign-in details, protecting your device and account, and promptly reporting suspected unauthorized access. Do not share authentication links. Third-party identity-provider terms may also apply.
Local data can disappear if you clear browser storage, use a temporary session, reset or lose a device, or the browser removes site data. Tenthwise offers an export; you are responsible for keeping any backup you need. Enabling sync sends the workspace to the configured cloud service as explained in the privacy notice.
A reduced snapshot link is public to anyone who obtains the full link. In this preview the selected snapshot is stored inside the URL fragment rather than a hosted profile. It cannot be remotely revoked from a recipient who kept the link, so publish only information you have the right to share. A future hosted-share mode must add expiry and revocation before it opens.
4. Paid plans, prices, VAT and payment
The checkout must show the plan, billing interval, total price, currency, whether the contract renews, included features, cancellation route and any trial before you place an order. A button creating a payment obligation will be labelled accordingly. Marketing-page figures do not form a final offer if checkout is not active.
Consumer prices offered in Italy/EU will state whether VAT and other applicable taxes are included. The operator will determine and collect VAT based on the customer, place-of-supply rules and valid evidence. Business customers may need to provide accurate VAT and invoicing details; reverse-charge treatment applies only where legally available and documented.
Stripe is intended as the primary checkout. Stripe may perform fraud, authentication and compliance checks under its applicable terms. A Wise bank transfer may be offered case by case and becomes effective only when reconciled; processing time, reference, currency, fees and refund route must be shown before payment. Do not send money to account details not presented through an authenticated Tenthwise route.
For a renewing plan, charges recur at the disclosed interval until cancellation. Any price change applies prospectively after legally required notice and will not silently alter an already paid period. Failed or reversed payment may suspend paid features after reasonable notice, while local export and mandatory remedies remain available.
5. EU/Italian withdrawal and online cancellation
14-day statutory withdrawal
If you are an EU consumer buying at a distance, you generally have 14 days from concluding a service contract to withdraw without giving a reason, subject to legal exceptions. To withdraw, use the prominent online route described below or send an unequivocal statement to the completed operator contact before the deadline. Your statutory right is separate from ordinary subscription cancellation.
If you expressly request that a service begin during the withdrawal period and then withdraw, the law may allow a proportionate charge for service supplied before withdrawal. A right is not treated as lost merely because access began. Any exception for fully performed services or immediately supplied digital content requires the specific prior request, consent, acknowledgement and confirmation required by law.
Where withdrawal is valid, the operator will reimburse sums due using the original payment method without undue delay and normally no later than 14 days after being informed, subject to applicable law. Manual-transfer refunds may require verified account details.
Cancel renewal at any time
A paid launch must provide a prominent online route in App → Settings → Subscription → Cancel or withdraw, accessible without a phone call and no harder than subscribing. The route will distinguish:
- Cancel renewal: stops future recurring charges, normally leaving paid access through the current paid period.
- Exercise withdrawal: submits a dated statutory withdrawal request and shows confirmation and refund status.
- Delete account: ends the account and cloud data as described in the privacy notice; it is not automatically the same as a refund request.
This route and its monitored backup contact are pending and must be operational before paid checkout is enabled. Statutory rights, including rights concerning non-conforming digital services, are not limited by a plan’s cancellation policy.
6. Acceptable use
Do not misuse Tenthwise to break the law, violate another person’s privacy or intellectual-property rights, publish unlawful content, impersonate others, distribute malware, probe or bypass security, overload the service, scrape protected areas, or provide the service to others under a false identity. Automated testing requires written authorization if it could affect production availability or data.
We may restrict access proportionately where reasonably necessary to stop abuse, address security or meet a legal duty. Where feasible and lawful, we will give notice and a chance to export data or appeal. Immediate action may be necessary for urgent risk.
7. Intellectual property and feedback
You retain rights in the data you enter. You grant the operator only the limited rights needed to host, process, sync and display it at your direction. Creating a reduced fragment link authorizes anyone with that self-contained link to view the selected copy; Tenthwise cannot revoke copies or links already distributed.
The Tenthwise name, interface, software, original educational synthesis, graphics and editorial organization are owned or licensed by the operator and protected to the extent applicable. These terms give you a personal, limited, non-exclusive, non-transferable right to use the service, not ownership of it. Source ideas and quotations remain subject to their respective rights; see methodology and sources.
If you send feedback, you allow the operator to use it without payment or confidentiality obligations, while you retain any rights that cannot be assigned. Do not submit confidential third-party material.
8. Disclaimers and responsibility
The service is educational and organizational, not personalized investment, financial, tax, legal, accounting, insurance or credit advice. Read the financial disclaimer. Calculations depend on your inputs and simplifying assumptions and may be incomplete, delayed or wrong.
Nothing here excludes liability or remedies that cannot legally be excluded, including mandatory consumer guarantees, fraud, wilful misconduct, gross negligence where applicable, death or personal injury caused by negligence, or data-protection rights. Subject to those rules, the operator is not responsible for losses caused solely by inaccurate inputs, unsupported use, third-party decisions, or events outside reasonable control.
Any proposed monetary liability cap and business-user terms require counsel review and will be stated transparently before paid launch. No unstated cap applies through this preview.
9. Changes, governing law, disputes and contact
We may update these terms prospectively. Material changes to a paid contract will be communicated in a durable form where required. Continued use will not be treated as consent where the law requires express agreement.
The intended governing law is Italian law, without depriving consumers of mandatory protection available under the law of their habitual residence. If you are a consumer, mandatory rules on the competent court—including the court of your place of residence or domicile where applicable—prevail. Please contact us first so we can try to resolve a concern; your right to use a competent court, authority or legally available alternative-dispute process remains unaffected.
Operator identity, address, customer-service email and formal notice route: pending before commercial launch.