Terms of Service

These terms govern your use of LiteWork Finance ("the Service", "we", "us", "our"). By creating an account or using the Service, you agree to these terms. If you don't agree, don't use the Service.

1. The Service

LiteWork Finance is a web-based personal budgeting application that lets you track income, expenses, investments, net worth, and financial goals. The Service includes both free and paid features.

The Service is provided "as is" and is intended as a personal finance tracking tool — not financial advice. We are not regulated by the Financial Conduct Authority (FCA) and do not provide investment, tax, or financial planning advice. Always consult a qualified financial adviser for financial decisions.

2. Eligibility

You must be at least 13 years old to use the Service. By creating an account, you confirm that you meet this requirement. If you are under 18, you should have parental or guardian consent.

3. Your Account

• You sign in using Google OAuth. We don't manage passwords
• You are responsible for the security of your Google account
• You may not share your account or let others access the Service through your credentials
• One account per person. Creating multiple accounts to abuse free credits, referral bonuses, or other features is not permitted

4. Free Plan

The free plan includes: income and expense tracking, charts, budgets, net worth tracking, financial goals, year-at-a-glance view, custom categories, CSV export, global search, print, and 1 free AI import scan per calendar month. There is no time limit on the free plan.

The free plan includes advertising. We reserve the right to modify free plan features with reasonable notice.

5. PRO Subscription

PRO is a paid subscription that unlocks: up to 50 AI operations per calendar month (including AI imports, financial roasts, and health reports), ad-free experience, and priority support.

• PRO is billed monthly ($3.99/mo) or annually ($29.99/yr) through LemonSqueezy
• Your subscription renews automatically unless cancelled before the renewal date
• You can cancel anytime — you keep PRO access until the end of the current billing period
• Refunds are handled in accordance with LemonSqueezy's refund policy and applicable UK consumer law. Under the Consumer Rights Act 2015, you may be entitled to a refund within 14 days of purchase if the digital content is faulty. Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you have a 14-day cooling-off period for distance purchases of digital content. By subscribing, you consent to immediate access to PRO features, and you acknowledge that this may affect your right to cancel during the cooling-off period once the service has been fully provided

5a. Fair Usage Policy

PRO subscribers receive a generous allowance of 50 AI operations per calendar month. An "AI operation" includes any use of AI Import, Financial Roast, or Financial Health Report.

• The 50-operation allowance resets on the 1st of each calendar month (UTC)
• Daily per-feature rate limits also apply: up to 10 AI imports per day, 1 financial roast per day, and 3 health reports per day
• If you reach 50 operations in a month, you can purchase credit top-ups to continue using AI features immediately
• Credits purchased as top-ups work identically to standard credits and do not expire
• We may adjust the fair usage allowance with reasonable notice. Any reduction will take effect from the start of your next billing cycle, not mid-cycle

6. Credits

Credits are a pay-as-you-go alternative to PRO for AI features. Different features cost different amounts: AI Import costs 2 credits, Financial Roast costs 1 credit, and Health Report costs 3 credits. PRO subscribers who exceed their monthly fair usage allowance can also purchase credit top-ups.

• Credits are purchased in packs (10 for $4.99 or 25 for $9.99) through LemonSqueezy
• Credits do not expire
• Credits are non-refundable once purchased, except where required by UK consumer law. By purchasing credits, you consent to their immediate availability and acknowledge this may affect your cancellation rights under the Consumer Contracts Regulations 2013
• Credits are non-transferable between accounts
• Referral credits (3 per referral) are awarded when a new user signs up using your referral link

7. Referral Programme

• Each user gets a unique referral link
• When someone signs up using your link, both you and the new user receive 3 free credits
• Self-referrals are not permitted
• We reserve the right to revoke referral credits obtained through abuse, automation, or fake accounts

8. Your Data

You own your financial data. We store it in Google Cloud Firestore on your behalf. See our Privacy Policy for full details on data handling.

• You can export your data at any time via CSV export
• You can delete your account and all associated data directly from the Profile section in the app
• We do not sell, share, or monetise your financial data

9. AI Features

AI-powered features (Import, Roast, Health Report) use Google's Gemini AI to process your data. By using these features:

• You understand that transaction data is sent to Google's Gemini API for processing
• AI outputs (categorisations, roasts, reports) are generated content and may contain errors — always review results before accepting
• We are not responsible for inaccuracies in AI-generated categorisations or advice
• AI features are subject to rate limits (see the app for current limits)

10. Acceptable Use

You agree not to:

• Attempt to manipulate credits, subscriptions, or referral rewards through exploits
• Reverse-engineer, decompile, or attempt to extract source code from server-side functions
• Use automated tools (bots, scrapers) to interact with the Service
• Submit malicious content through AI features (e.g. prompt injection attempts)
• Use the Service for money laundering, fraud, or any illegal activity
• Interfere with the Service's operation or other users' access

We may suspend or terminate accounts that violate these terms without notice.

11. Availability and Changes

• We aim for high availability but do not guarantee uninterrupted service
• We may modify, suspend, or discontinue features with reasonable notice
• Maintenance or third-party outages (Google, LemonSqueezy, Netlify) may temporarily affect the Service

12. Limitation of Liability

To the fullest extent permitted by UK law:

• The Service is provided "as is" without warranties of any kind, express or implied
• We are not liable for any financial losses resulting from use of the Service, AI-generated outputs, or decisions made based on data shown in the app
• Our total liability to you shall not exceed the amount you have paid us in the 12 months preceding the claim
• Nothing in these terms excludes liability for death, personal injury caused by negligence, fraud, or any liability that cannot be excluded under UK law

13. Governing Law

These terms are governed by and construed in accordance with the laws of England and Wales. Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer, you also retain any mandatory protections provided by the law of the country where you reside.

14. Changes to These Terms

We may update these terms from time to time. Material changes will be communicated via the app or website. Continued use of the Service after changes take effect constitutes acceptance of the revised terms.

15. Contact

For questions about these terms, contact us at: support@lightworkfinance.com