Terms of Service

• WinLife is invite-only: you need an invite link from a member, or from us, to create an account.
• You must be at least 13. If you’re under 18, a parent or guardian must agree to these terms for you.
• Connect only bank accounts and calendars that are yours or that you’re allowed to use.

• You sign in with a code sent to your email, so keep your email account secure. Two-factor sign-in is recommended, and it’s required to connect a bank.
• You’re responsible for what happens in your account. If you think someone else got in, tell us right away.
• Invite only people you know. Each invite is recorded with who sent it.

You own everything you put in WinLife. You give us permission to store, process, and show it only to run WinLife for you, including sending the parts the assistant needs to our AI provider when you use it, as the Privacy Policy describes. A memory you share with another member is visible to them until you untag or unlink them. You can ask for a copy of your data, or delete it, at any time.

WinLife organizes your own numbers: balances, budgets, net worth, projections, and the like. It isn’t a bank, broker, or adviser, and nothing in it is financial, investment, tax, or legal advice. Projections are estimates based on what you enter and can be wrong, and bank data and market prices can be late or incomplete. Check important numbers with your bank or a professional before you act on them.

The assistant can misunderstand you or make mistakes. Check what it adds or changes: new entries can be undone right away, and everything it saves is marked in your activity log. Each member has a daily limit, and we may change the limit or turn the assistant off for a member.

Bank connections go through Plaid, Google Calendar through Google, and the assistant through Anthropic. Their own terms apply to their services, and we aren’t responsible for their outages or changes. WinLife can only read your banks and calendars: it can’t move money or add, change, or delete events. You can disconnect either at any time.

Please don’t:

• use WinLife to break the law or to harm anyone;
• try to reach another member’s data, or get around sign-in, two-factor, or limits;
• probe, scan, overload, or reverse-engineer the service (if you find a security problem, please email us instead);
• upload anything illegal, or anything you don’t have the right to share;
• sell, rent, or trade access or invites.

WinLife is free for invited members. If we ever charge for it, we’ll tell you well ahead of time, and nothing will be charged without your agreement.

WinLife is a small, personal project that keeps evolving. We may add, change, or remove features, and it may sometimes be unavailable. If we ever shut it down, we’ll try to give at least 30 days’ notice so you can ask for a copy of your data.

You can stop using WinLife and ask us to delete your account at any time (see the Privacy Policy). We may suspend or close an account that breaks these terms or puts other members or the service at risk; when we can, we’ll tell you first and let you get a copy of your data.

WinLife is provided “as is” and “as available.” To the extent the law allows, we make no warranties, express or implied, including of merchantability, fitness for a particular purpose, and non-infringement, and we don’t promise that WinLife will be uninterrupted or error-free, or that its data is accurate or complete.

To the extent the law allows, we aren’t liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, money, or data, arising from your use of WinLife, including decisions you make based on it. Our total liability for any claim about WinLife is limited to the greater of what you paid us in the 12 months before the claim, or $50. Some places don’t allow these limits, so they may not apply to you.

If we change these terms in a material way, we’ll update the date above and let members know in the app or by email before the change takes effect. Using WinLife after that means you accept the new terms.

These terms are governed by the laws of the Commonwealth of Pennsylvania and of the United States, without regard to conflict-of-law rules. If any part of them can’t be enforced, the rest still applies. These terms and the Privacy Policy are the whole agreement between you and us about WinLife.

Tobias Diaz Fraga LLC · tobiasdiazfraga@gmail.com