These terms are an agreement between you and TechByYou, part of AgriByYou, in Nairobi, Kenya (“we”, “us”). They cover your use of the Wealth ByYou app. By ticking the box when you sign up, or by using the app, you agree to them. Please read them together with our Privacy policy, which explains what information the app uses and where it is kept.
The short version: Wealth ByYou helps you plan your money. Your records stay on your phone. The app never moves money for you. Its figures are estimates, not financial advice.
1. Who can use Wealth ByYou
You must be 13 or older to use Wealth ByYou. If you are between 13 and 18, you may use it only with the consent of a parent or guardian, who agrees to these terms for you. The account must be for you. Give us a real email address that you can reach, because that is where your sign-in codes go.
2. What Wealth ByYou is, and what it is not
Wealth ByYou is a personal money planner. It helps you set a budget, put savings first, record what you spend and earn, and see where your month is heading.
It is not a bank, a lender, an investment adviser or a tax adviser, and:
- It never moves your money. Any suggestion to move money (for example, a surplus into savings) is only a suggestion. Nothing happens unless you confirm it, and the actual payment is always yours to make outside the app.
- Its figures are estimates. Forecasts, projections and alerts are worked out on your phone from what you record and from publicly available rates. They can be wrong. They are not financial advice. Check with a qualified professional before making financial decisions.
- Its tax features are reminders only. They do not file anything with the Kenya Revenue Authority. Always confirm your obligations on the official iTax platform.
3. Your records and backups
Everything you record about your money stays on your phone, encrypted. We cannot see it, so we cannot recover it for you. If you lose or reset your phone without a backup, those records are gone.
If you turn on backup, the app keeps one encrypted copy in your own Google Drive. You are responsible for keeping access to that Google account.
4. Keeping your account safe
- Keep your phone, your PIN and your email account secure.
- Don't share your sign-in codes with anyone. We will never ask you for one.
- Tell us at privacy@techbyyou.com if you think someone else has used your account.
5. Payments
Some features of Wealth ByYou may need a paid plan. The plans and their prices are shown in the app before you pay.
- Prices include any taxes we must charge. We will tell you in the app before any price change applies to you.
- You pay through the payment method shown in the app. A subscription renews until you cancel it. Cancelling stops the next renewal; you keep your plan until the end of the period you paid for.
- Refunds follow the refund policy of the store or service you paid through, and any right you have under Kenyan law.
- During a free test period, we may offer features at no charge. We will tell you before any charge begins.
6. Referrals
You can invite friends with your referral code. When a friend you invited buys an annual plan and the payment is complete, you earn a reward of 10% of that plan's price, as credit off your next subscription.
We may hold back or reverse a reward that was earned unfairly: for example, by referring yourself, using fake accounts, or by a payment that is later refunded.
7. Using the app fairly
Please don't:
- use Wealth ByYou for anything illegal, including fraud or hiding the source of money;
- try to break into, overload, copy or take apart the app or our server;
- create accounts in someone else's name, or to collect referral rewards unfairly;
- send abusive messages to our team through Talk to us.
8. Messages from us
We will send you messages you need: sign-in codes, and notices about your account, your plan or these terms.
Tips, offers and news are optional. We send them only if you tick that box, and you can stop them anytime in Settings, or with the unsubscribe link in any such email.
9. Changes to the app
We keep improving Wealth ByYou, so features may change, move or stop. Early versions may have mistakes, and the app may sometimes be unavailable, for example during an update. We will try to give notice of big changes.
10. Our responsibility to you
We build Wealth ByYou with care, but we provide it “as it is”. To the extent Kenyan law allows:
- we are not responsible for decisions you make based on the app's estimates, forecasts or reminders;
- we are not responsible for records lost from your phone that were not backed up;
- we are not responsible for losses caused by things outside our control, such as your phone, your network, Google or M-Pesa;
- if we are found responsible for a loss, the most we will pay is what you paid us in the 12 months before it happened.
Nothing in these terms takes away rights you have as a consumer under Kenyan law, including the Consumer Protection Act, 2012.
11. Ending your account
You can stop using Wealth ByYou at any time. To delete your account, go to Settings → Delete my account. This removes your account from our server and everything Wealth ByYou stored on that phone.
We may suspend or close an account that breaks these terms. Where we can, we will tell you why first and give you a chance to put things right.
12. Changes to these terms
If we change these terms, we will update the date at the top. If a change is important, we will tell you in the app before it applies. If you keep using Wealth ByYou after that, you accept the new terms. If you don't accept them, you can delete your account.
13. Law and disputes
These terms are governed by the laws of Kenya. If something goes wrong, please contact us first, and we will try to sort it out with you. If we can't, the courts of Kenya will decide.
14. Contact
TechByYou
Nairobi, Kenya
Email: privacy@techbyyou.com
