Last updated: May 2026

 

Welcome to LoFi Wealth

LoFi Wealth is a habit-tracking and educational app designed to help users build long-term financial consistency and perspective.

By using LoFi Wealth, you agree to these Terms of Service.

If you do not agree with these terms, please do not use the app.

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1. What LoFi Wealth Is

LoFi Wealth is:

• A habit-tracking tool

• A behavioural and educational product

• A long-term financial illustration tool

LoFi Wealth is not:

• A bank

• A brokerage

• A financial adviser

• An investment platform

• A portfolio tracking service

The app does not hold, move, invest, or manage your money.

All illustrations shown within the app are based on the information you choose to enter manually.

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2. No Financial Advice

Nothing within LoFi Wealth constitutes financial, investment, tax, legal, or professional advice.

The app does not recommend:

• Any investment strategy

• Any investment product

• Any broker or platform

• Any contribution amount

• Any financial decision

You are solely responsible for your financial decisions and outcomes.

If you require professional advice, you should consult an appropriately licensed adviser.

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3. Illustrations and Hypothetical Outcomes

The app may display long-term financial illustrations based on historical market data or simplified assumptions.

These illustrations are hypothetical only.

They are not:

• Predictions

• Guarantees

• Forecasts

• Promises of future performance

Real financial outcomes are influenced by many variables, including:

• Market volatility

• Taxes

• Inflation

• Fees

• Behavioural consistency

• Economic conditions

• Timing

Past market performance does not guarantee future results.

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4. User Accounts

You are responsible for maintaining the confidentiality of your account credentials.

You agree to provide accurate account information and to use the app lawfully.

You are responsible for activity that occurs under your account.

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5. Acceptable Use

You agree not to:

• Misuse the app

• Attempt unauthorized access to systems or accounts

• Interfere with app functionality or security

• Use the app for unlawful purposes

• Reverse engineer or exploit the platform

We reserve the right to suspend or terminate accounts that violate these terms.

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6. Privacy

Your use of LoFi Wealth is also governed by our Privacy Policy.

LoFi Wealth intentionally minimizes the amount of sensitive financial information collected and does not connect to bank or brokerage accounts.

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7. Intellectual Property

All branding, software, design, visuals, content, and intellectual property associated with LoFi Wealth remain the property of LoFi Wealth unless otherwise stated.

You may not copy, redistribute, modify, or commercially exploit the platform without permission.

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8. Availability and Changes

We may modify, update, suspend, or discontinue parts of the app at any time without guarantee of continued availability.

Features, calculations, visuals, and modelling approaches may evolve over time.

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9. Limitation of Liability

To the maximum extent permitted by law, LoFi Wealth and its operators are not liable for:

• Financial losses

• Investment outcomes

• Missed opportunities

• Data loss

• Business interruption

• Indirect or consequential damages

Your use of the app is at your own risk.

LoFi Wealth is provided on an "as is" and "as available" basis without warranties of any kind.

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10. Account Deletion

Users may delete their account and associated habit-tracking data from within the app settings.

Deletion requests are handled in accordance with the Privacy Policy.

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11. Age Requirement

LoFi Wealth is not intended for individuals under the age of 16.

By using the app, you confirm that you are at least 16 years old.

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12. Changes to These Terms

We may update these Terms of Service over time.

Continued use of the app after updates constitutes acceptance of the revised terms.

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13. Contact

For questions regarding these Terms of Service, contact: info@lofiwealth.com

 

Final Perspective

LoFi Wealth was intentionally built around simplicity. The goal of the app is not to create dependency, financial pressure, or speculative behavior. It exists to help users build long-term consistency, perspective, and awareness without requiring deep access to their financial lives.

 

We believe financial tools should help people think longer-term while respecting privacy, autonomy, and restraint.