Whistl Terms of Service Explained

Terms of Service shouldn't require a law degree. Whistl's terms in plain English: what you can do, what you can't, and what to expect from us.

Acceptable Use

You CAN:

• Use Whistl for personal financial management
• Connect your own bank accounts
• Invite your own accountability partners
• Export your own data

You CANNOT:

• Use Whistl for illegal activities
• Connect someone else's bank accounts without permission
• Reverse engineer or modify Whistl
• Use Whistl data for commercial purposes

Financial Disclaimers

Whistl Is Not Financial Advice

Whistl provides tools and information, not financial advice. You're responsible for your own financial decisions.

Investment Risks

ETF investments carry risk. Past performance doesn't guarantee future results. You could lose money.

Blocking Limitations

VPN blocking is effective but not 100%. Determined users can find workarounds. Whistl helps but doesn't guarantee prevention.

Subscription Terms

Free Tier

• Free forever
• Core features included
• Can upgrade to Premium anytime

Premium Tier

• $9.99/month or $99/year
• Cancel anytime
• 14-day free trial
• 30-day money-back guarantee

Data & Privacy

• Your data belongs to you
• We don't sell your data
• You can delete your account anytime
• See Privacy Policy for details

Liability Limitations

Whistl's liability is limited to the amount you paid for Premium (if any). We're not liable for indirect damages, lost profits, or financial losses from using Whistl.

Termination

• You can delete your account anytime
• We can suspend accounts for terms violations
• We'll notify you before suspension (when possible)

Changes to Terms

• We'll notify you of material changes
• Continued use = acceptance of new terms
• Check terms periodically for updates

Governing Law

Whistl is governed by Australian law. Disputes resolved in Australian courts.

Contact Us

Questions about terms? Contact: legal@whistl.app

Conclusion

Whistl's terms are designed to protect both you and us—while staying readable. Use Whistl responsibly. We'll provide the best tools we can. Together, we'll build better financial habits.

Related: Terms of Service | Privacy Policy