Terms of Service

Last updated October 19, 2026

These terms are an agreement between you and Chams Enterprises LLC, a Utah limited liability company ("WeVault", "we", "us"), covering the WeVault apps and the websites wevault.app and app.wevault.app (the "Service"). By creating an account you agree to them. If you create or join a workspace on behalf of a business, you confirm you have authority to bind that business.

1. What WeVault is, and isn't

WeVault is software that shows you information about money, lets a small group message each other, and shares location within that group. WeVault is not a bank, a broker, an accountant, a tax preparer, a financial adviser or an emergency service. We don't hold or move your money. Figures in the app come from your banks and from your own entries and can be delayed, incomplete or miscategorized; check them before you rely on them for taxes, a loan application or any other decision. SOS and crash detection try to alert the people in your workspace; they do not contact 911 or any emergency service, and they depend on your phone, its sensors and its network connection. Always call emergency services directly in an emergency.

2. Your account

• You must be 18 or older and provide a real email address.
• Keep your password and your phone secure. You are responsible for what happens under your account.
• One person, one account. Don't share logins; invite people to their own seat instead.

3. Workspaces and members

A workspace is a shared space. Everyone in a workspace can see all of its connected accounts, businesses, transactions, documents, messages and shared locations. Invite only people you trust with that. The workspace owner controls membership and billing and may remove members; a removed member loses access immediately. Workspace data belongs to the workspace, and the owner may delete it at any time.

4. Bank connections

Bank connections are provided by Plaid Inc. or SimpleFIN. By connecting an account you authorize them to access your account information and share it with WeVault, and you agree to their terms (Plaid). You may only connect accounts you are entitled to access. Access is read-only.

5. Acceptable use

Don't use the Service to break the law, to track anyone without their knowledge and consent, to harass, to send spam, to upload malware, to probe or overload our systems, or to resell access. We may suspend or close accounts that do.

6. Fees

New workspaces get a 7-day free trial. A payment card is required at signup; if you cancel before the trial ends you are not charged. After the trial, the Service is billed monthly in advance through Stripe at the flat price of the plan you chose: Duo ($19 per month, up to 2 seats), Five ($29 per month, up to 5 seats) or Unlimited ($49 per month). Plans renew automatically until cancelled and you may change plans at any time. You can cancel at any time in Settings; access continues to the end of the paid period. Fees are non-refundable except where the law requires otherwise. Prices may change with 30 days' notice by email.

7. Your content

You own what you put in WeVault. You give us the limited right to store, transmit, encrypt, process and display it as needed to run the Service, including sending transaction descriptions to our AI provider for categorization. You are responsible for having the rights to anything you upload.

8. Privacy

Our Privacy Policy explains what we collect and how we use it. It is part of these terms.

9. Ending the agreement

You can delete your account at any time in the app or at wevault.app/delete-account. We may suspend or end your access if you break these terms, if we are required to by law, or if we discontinue the Service, in which case we will give you reasonable notice and a way to export your data where we can.

10. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all warranties, express or implied, including fitness for a particular purpose, accuracy of financial data, and uninterrupted or error-free operation.

11. Limitation of liability

To the fullest extent permitted by law, WeVault and its members, managers and employees are not liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data, or losses from decisions made in reliance on the Service, and our total liability for any claim is limited to the fees you paid us in the 12 months before the claim (or $100 if you paid nothing). Some states don't allow these limits, so they may not fully apply to you.

12. Indemnity

You will defend and indemnify WeVault against claims arising from your content, your use of the Service, or your breach of these terms.

13. Governing law and disputes

These terms are governed by the laws of the State of Utah, without regard to conflict-of-laws rules. Any dispute will be brought in the state or federal courts located in Salt Lake County, Utah, and you consent to their jurisdiction. Before filing, you agree to email us and give us 30 days to resolve the issue informally.

14. Changes

We may update these terms. If a change is material we will email you and show a notice in the app at least 14 days before it takes effect. Using the Service after that date means you accept the new terms.

15. Contact

Chams Enterprises LLC, Utah, United States. support@wevault.app