Terms and Conditions

Terms governing the use of the Cashletics mobile application and related services.

Block B · User-facing, mandatory

Terms of Use

Cashletics mobile application — English version

ASZF-001-EN

Introduction and Acceptance of Terms

These Terms of Use ("Terms") govern the use of the Cashletics mobile application and related services. By downloading, registering, or using the application, the user accepts these Terms, the Privacy Policy (AT-001-EN), and all other applicable policies of the application.

Cashletics is an application supporting personal financial tracking, savings goal management, daily activity monitoring, and gamified motivation.

Cashletics is NOT a bank, financial institution, investment advisor, accountant, or tax advisor. The user is solely responsible for any decisions made based on data or reports generated by the application.

1. Service Provider Details

2. Definitions

3. Nature and Scope of the Service

Cashletics helps users track income and expenses, manage savings goals, monitor daily activity, and complete motivational challenges. The application expressly does NOT:

• access the user's bank account directly

• handle real money or initiate bank transactions

• provide financial, investment, tax, or credit advice

• act as an authentication tool for banking operations

Available features include: financial records, savings goals, step counting, gamification (challenges, points, leaderboard), notifications, statistics, and promotions. Individual features may vary by region, platform, or development stage.

4. Registration, Account Use, and Eligibility

An account is required to use the service. Registration is available via email and password, or a Google account. By registering, the user accepts these Terms and the Privacy Policy.

Account rules:

• The user is responsible for the security of their account and the confidentiality of their password.

• Accounts may not be transferred, sold, or lent to others.

• One account per user.

• The Service Provider may suspend or delete accounts created with false information or used abusively.

5. Free Version and Pro Subscription

Pro gives no reward multiplier, extra spin, entry ticket or XP advantage. The second and third rewarded weekly approval of financial goals gives no XP but may give CP; CP cannot be exchanged for entry tickets.

5.1 Subscription terms

• Android subscriptions are managed by the Google Play Store.

• iOS App Store subscription is currently not available. The Terms will be updated before the iOS version is launched.

• Subscription prices: PRO monthly USD 3.99; PRO yearly USD 29.99; Lifetime (limited to 500) USD 99.99. Local prices are set by Google Play Console / App Store. CP can also be redeemed for Pro time: 300 CP = 3 days, 650 CP = 7 days, 2,200 CP = 30 days. Pro time obtained with CP can be extended; CP cannot be redeemed for Pro time while a paid Pro subscription, a trial or Lifetime is active. CP packs cannot be purchased.

• Subscriptions auto-renew unless cancelled before the renewal date.

5.2 Cancellation

Cancellation is made exclusively through the Platform Provider's system. The Service Provider does not manage or refund subscription fees.

• Android: Google Play → Account → Subscriptions → Cashletics → Cancel

• iOS App Store subscription is currently not available; the iOS cancellation flow will be added before the iOS launch.

Cancellation takes effect at the end of the current billing period. Fees already paid are non-refundable. Refund requests are assessed by the Platform Provider.

5.3 Right of Withdrawal and Termination — Consumer Information

The paid contract for the Pro subscription is concluded with the Platform Provider (Google Play): the fee is collected by the Platform Provider, which also decides on refunds (Sections 5.1–5.2). The right of withdrawal or termination is therefore exercised, and refunds are handled, through the Platform Provider's system, under its terms and refund policy.

Under Section 20 of Government Decree 45/2014 (II. 26.) on the detailed rules of contracts between consumers and businesses, in the case of a distance contract for the supply of services the consumer has the right to withdraw without giving any reason — or, once performance has begun, to terminate — within fourteen days from the date on which the contract was concluded.

Under Section 29(1)(m) of Government Decree 45/2014 (II. 26.), the consumer may not exercise this right in respect of digital content supplied on a non-tangible medium if performance began with the consumer's express prior consent, the consumer simultaneously acknowledged that the right under Section 20 is lost once performance begins, and the business sent the consumer a confirmation. The Pro subscription is activated immediately upon confirmation of the purchase, that is, performance begins when the contract is concluded; whether such a declaration is obtained and a confirmation sent during the purchase flow is determined by the Platform Provider's terms.

Where the consumer concludes a paid contract directly with the Service Provider, the consumer may declare withdrawal or termination under Section 22(1) of Government Decree 45/2014 (II. 26.) by an unequivocal statement — including by using the model form set out in Annex 2 to the Decree — sent to support@cashleticsapp.com. The Service Provider confirms receipt without delay and refunds the full amount paid by the consumer without delay, and in any event no later than fourteen days from becoming aware of the withdrawal (Section 23(1)).

Use of the free version does not give rise to any payment obligation, therefore no right of withdrawal applies to it; the account may nevertheless be deleted at any time.

6. Age Restriction

The application is available exclusively to users aged 16 and over, for the following reasons:

• GDPR Article 8: processing personal data of persons under 16 requires parental / legal guardian consent.

• Google Play Families Policy: handling financial and health data automatically excludes a minor audience.

• The application conveys financial literacy content not suitable for users under 16.

During registration, the user declares they have reached the age of 16. In the event of a false declaration, the Service Provider is entitled to delete the account with immediate effect.

7. Banking Notification Reading

The application may optionally — and only with the user's explicit consent — read the text content of banking and payment notifications to assist in identifying expenses.

Key conditions:

• The application reads ONLY the notification text — it does NOT access the user's bank account, account number, balance, or PIN.

• This feature requires separate consent (BH-001 / Banking Notification Consent) and can be disabled at any time.

• Recognised transactions can be reviewed, modified, or deleted by the user.

• This feature is compliant with Google Play Financial Data policy.

8. Gamification System — Legal Status of Points

The application includes a gamified motivation system (XP, CP, coins, badges). Their legal status is expressly set out below:

Points and badges do not represent any financial obligation on the part of the Service Provider. The Service Provider reserves the right to modify the in-app point and reward mechanism; however, points already earned will not be reduced retroactively.

8.1 Daily Spin Wheel

The daily spin wheel is a gamified motivational feature. The wheel awards CP or XP; the base reward is 5, 10 or 25 CP, or 5, 10 or 25 XP. Entry tickets and cash cannot be won. Participation is free — no financial consideration is required — and a Pro subscription gives no additional spins. Watching ads gives no additional spin either. The spin wheel does not fall within the scope of Act XXXIV of 1991. For further reasoning, see the Promotional & Prize Rules (PR-001).

8.2 The PiggyRun Mini-Game, Piggy Coin, Game Money and Seasons

The PiggyRun mini-game. PiggyRun is a skill-based mini-game integrated into the Cashletics application and linked to the user account; its use requires no separate registration and is voluntary. XP, CP and Piggy Coin can be earned through the game, under pre-announced conditions and server-side limits; rewards are credited exclusively on the basis of a valid, server-side verified run completion. Playing PiggyRun gives no entry tickets; opening PiggyRun counts only under Section 8.3 (b) and (c).

Piggy Coin. The internal game unit of PiggyRun is the Piggy Coin, which is not money, not electronic money and cannot be redeemed for cash. Piggy Coins can only be earned by playing; they cannot be bought for money, in packs or for CP. Piggy Coins earned in accordance with the rules and verified on the server can be exchanged for CP under the published rules and limits.

Game money and seasons. Game money (world currency) can also be earned in the PiggyRun worlds; it is not money and cannot be exchanged for CP, Piggy Coins or entry tickets. When a season actually ends and a new season starts, season progress and claim marks restart, and unclaimed season challenge rewards of the previous season are lost; game money already credited and items earned are kept. An end reward already earned in a monthly adventure can still be claimed later from that adventure's archive. In-game settlement of monthly wages, costs and debts may change the game money balance.

Discounted programmes. By watching an ad, some programmes and world changes are available at half price. The discounted and the full-price route give the same reward; neither gives entry tickets.

Reward packages. Chests earned by playing PiggyRun are kept; they may give Piggy Coins, in-game items or both. A chest contains no entry tickets.

8.3 Earning entry tickets

Entry tickets are given exclusively for the following free activities, one ticket per activity:

a) opening Cashletics on all seven days of a calendar week (one ticket per week);

b) opening PiggyRun on all seven days of a calendar week (one further ticket per week);

c) opening Cashletics or PiggyRun on at least 15 different days of a calendar month (one ticket per month);

d) completing the app tutorial for the first time (once).

For (c), a day counts if the user opens Cashletics or PiggyRun on that Budapest calendar day; the same day counts once, even if both are opened. For (a) and (b), opening the named app counts, and the same day counts towards both weekly tickets. Earning a ticket does not require step data, a health permission, a financial entry, watching ads or payment, and the conditions are the same for free and Pro users. The Service Provider may introduce further ticket sources only by amending these Terms, after notice under Section 14. The Service Provider will announce the start date of ticket earning under (a)–(d) in advance, in the app and by email. Activity before the start date does not give entry tickets.

8.4 Referrals

The user may invite another person to the app with an invite code. If the invitee registers with the code, the inviter and the invitee each receive 50 CP once per invited account; no XP or entry tickets are given. Inviting one's own account, creating multiple accounts or any other abusive use of the code excludes the reward. The code can be entered manually or passed on by the Google Play install referral; the app does not access the contact list. The inviter only sees the number of invitees and the CP received. Referrals are voluntary and are not a condition of using the app.

8.5 Shop

In the app's shop, only pre-specified cosmetic items (characters, accessories, house decorations) can be purchased through Google Play. A cosmetic item gives no CP, Piggy Coins, entry tickets, XP or in-game progress, and no advantage on the leaderboard. Prices are set by Google Play; the consumer information in Section 5.3 applies to purchases accordingly.

9. Advertisements and AdMob

In the free version, ads are displayed via the Google AdMob SDK: optional rewarded ads started by the user (Section 9.1) and automatic ads. At most five automatic ads per day may appear in Cashletics and at most five in PiggyRun, after at least 120 seconds of active use and two meaningful actions verified on the server, at a natural break; they do not appear when the app opens, during data entry, the tutorial, the ticket flow or a PiggyRun run. Ads are only displayed if the user has consented to them as described in the Privacy Policy and the Cookie & Tracking Policy (CK-001-EN). Pro users use the app without ads.

9.1 Rewarded ads and CP rewards

• In some places the user may voluntarily watch a rewarded ad. Important conditions:

• Watching a rewarded ad is NOT mandatory — no feature, mission or challenge depends on it.

• Reward: 5 CP for each verified, fully watched ad. There is no daily, weekly or monthly cap; the reward is given once for the same view and only on the basis of the ad provider's authentic verification.

• Watching ads gives no entry tickets, no XP and no spin of the wheel.

• CP is not money and cannot be redeemed for cash (see Section 8).

9.2 AdMob data processing

AdMob (Google LLC) operates as an independent data processor. Details: AT-001-EN and DPA-001.

10. Leaderboard and Publicly Shared Data

10.1 PiggyRun leaderboard

The PiggyRun leaderboard is part of the game and shows the users who have played PiggyRun. It displays the player nickname set by the user — or, if no nickname has been set, a system-generated nickname —, the chosen character, the score, the track and the rank, as well as medals and badges that do not relate to steps or health. The app does not display any e-mail address or part of it, photo, financial data, step data or health data. Other users can see the nickname that has been set, so users should not use their real name or any other data that identifies them in it. The leaderboard is visible only within the app. The user is informed about it before first using PiggyRun. In the “Friends” view, a friend added earlier by the user may appear with zero weekly points.

10.2 XP leaderboard

The application may include an XP leaderboard on which the user's username, avatar, and score may be visible to other users within the app. Key conditions:

• Appearing on the XP leaderboard requires the user's explicit consent.

• Sensitive personal data (real name, email address, financial data, health data) is NEVER publicly displayed.

• The user may opt out of the XP leaderboard and withdraw consent at any time.

• If the username is changed, the XP leaderboard entry is updated accordingly.

• Sharing login badges requires separate consent.

11. Prizes and Promotions

The application may offer physical prizes through draw-based promotional campaigns. The following applies to all promotions:

• Cash prizes are never offered — only physical goods.

• Internal points (XP, CP, coins) cannot be redeemed for cash.

• Entry to a prize draw campaign is made with entry tickets. Entry tickets are given exclusively for the free activities under Section 8.3; payment, a Pro subscription, CP, Piggy Coins or watching ads do not lead to an entry ticket.

• Separate participation terms will be published for each promotion (under PR-001 Promotional Rules).

• Winners are selected by a documented, random draw.

• Participation in prize draws is NOT conditional on viewing an advertisement.

12. Intellectual Property

The Cashletics application, graphics, text, logo, and related content are the exclusive intellectual property of the Service Provider and are protected by copyright. The user receives a limited, non-transferable licence to use the application.

Prohibited: copying, modifying, reverse engineering, distributing, or commercial use of the application.

13. Limitation of Liability

The Service Provider excludes liability in the following cases:

• Damage arising from inaccurate data entered by the user

• Financial decisions made on the basis of informational reports generated by the application

• Temporary unavailability of the application (maintenance, technical issues)

• Damage arising from third-party platforms (Google Play, Apple App Store, Firebase, AdMob)

• Security incidents on the user's device or account not caused by the Service Provider

The Service Provider's liability is limited to the amount paid by the user during the relevant subscription period. This limitation shall not apply to damage caused intentionally or by gross negligence, to liability for breach of contract causing harm to human life, physical integrity or health, or to liability towards data subjects under Article 82 GDPR. For free-tier users, liability is limited to the minimum extent permitted by applicable law.

14. Modification of Terms

The Service Provider may modify these Terms unilaterally where justified by a change in legislation, an authority or court decision, a change in the technical conditions or content of the service, or a change in the Platform Provider's terms. Users will be notified of changes at least 15 days in advance by email or in-app notification. When first opening the app after the amended terms take effect, the user must expressly accept them on the acceptance screen; without acceptance, the app cannot be used further. If the user does not accept the modification, they may cancel their subscription through the Platform Provider's system or delete their account before the effective date; the deletion of the account can also be requested at privacy@cashleticsapp.com.

15. Dispute Resolution and Governing Law

These Terms and any disputes arising from them are governed by Hungarian law. The parties shall seek to resolve disputes amicably in the first instance. If this is unsuccessful, the competent Hungarian court has jurisdiction.

Consumer redress: users may file a complaint with the Conciliation Body competent for their place of residence, or with the Consumer Protection Authority.

In consumer disputes, users may contact the competent conciliation body or consumer protection authority of their place of residence. (The EU Online Dispute Resolution (ODR) platform was discontinued on 20 July 2025; therefore these Terms contain no ODR link.)

16. Final Provisions and Governing Language

• If any provision of these Terms is found invalid or unenforceable, this shall not affect the validity of the remaining provisions.

• These Terms are available in Hungarian (ASZF-001) and English (ASZF-001-EN). In case of any discrepancy between the two versions, the HUNGARIAN VERSION SHALL PREVAIL.

• The current version of these Terms is available at: https://cashleticsapp.com/legal.php?slug=aszf&lang=en

17. Transitional Provisions for the Amendment of 28 November 2026

• 17.1 CP earned before 28 November 2026 is kept and, from the effective date, can be redeemed for Pro time on the user's own account.

• 17.2 CP earned for free — including CP earned for rewarded ads — can be exchanged for entry tickets until 23:59 (Budapest time) on 27 November 2026 at the latest. Purchased CP cannot be exchanged for entry tickets.

• 17.3 Entry tickets obtained before 28 November 2026 — irrespective of their origin, including those obtained from the spin wheel and from Pro time obtained with CP — remain valid and can be used in campaigns announced after the effective date under the terms of each campaign, in accordance with Section 4.3 of the Promotional & Prize Rules. From 28 November 2026, standard tickets cannot be converted into silver or gold tickets. Whether an earlier ticket can be used in a campaign is determined by the terms of that campaign; we cannot guarantee this in advance. CP you keep can be used for Pro time.

• 17.4 Entries submitted before 28 November 2026 will be drawn under the rules in force at that time.

• 17.5 Pro time obtained with CP runs until it expires, but from 28 November 2026 it gives no extra spin of the wheel and no entry tickets.

• 17.6 Had any purchase been made before the sale of CP packs was stopped on 5 November 2026, the Service Provider would settle it individually, without disadvantage to the user. (According to the Google Play report, there were no paid orders until 5 November 2026.)

• 17.7 No prize draw campaign will start on or before 28 November 2026.

• 17.8 If the user has a paid Pro subscription and the amendment is to the user's disadvantage, the user may terminate the subscription free of charge within 30 days of the effective date by writing to support@cashleticsapp.com.

Version History & Change Log

A. Version history

B. Changes from the March 2026 draft (synchronized with ASZF-001 HU)

C. Signature block

Next review: 1 August 2027

No longer in effect from 28 November 2026 — see Section 8 and Section 17.

v1.5a supplement — CP balances:

Cashletics uses two CP balances: freeCp (free earned CP) and purchasedCp (CP purchased through Google Play). Purchased CP may be used for in-app CP features, but it cannot be used to redeem prize-draw entry tickets. Entry tickets can be redeemed only from freeCp.