Terms of Service

Where Did It Go...

Effective Date: September 6, 2025 

Last Updated: September 6, 2025

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1. Acceptance of Terms

By downloading, installing, or using the Where Did It Go... mobile application ("App" or "WDIG"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the App.

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2. Description of Service

WDIG is a personal loan tracking and payment management application designed to help users:

  • Track personal loans with friends, family, and acquaintances
  • Manage payment schedules and reminders
  • Maintain financial relationship records
  • Export financial data for personal record-keeping
  • WDIG serves as a personal tracking tool for loans and payments
  • All financial data entered into the App is provided by you, the user
  • We do not verify, validate, or guarantee the accuracy of any financial information
  • The App does not provide financial advice, investment recommendations, or credit counseling
  • You are solely responsible for the accuracy of all financial data entered
  • You must verify all loan amounts, interest rates, payment schedules, and borrower information
  • We recommend consulting with financial professionals for important financial decisions
  • Any calculations or projections provided by the App are estimates only
  • WDIG is not a financial institution, lender, or financial advisor
  • We do not process payments, hold funds, or facilitate financial transactions
  • The App does not provide credit reports, credit scores, or financial analysis
  • We are not regulated by financial services authorities
  • Provide accurate and complete information when using the App
  • Update loan information promptly when changes occur
  • Verify all financial data before entering it into the App
  • Notify relevant parties (lenders, borrowers) of any discrepancies
  • Use the App only for legitimate personal loan tracking purposes
  • Do not use the App for illegal activities or to facilitate fraud
  • Respect the privacy and confidentiality of others' financial information
  • Comply with all applicable laws and regulations
  • Maintain the security of your account credentials
  • Use strong, unique passwords and enable biometric authentication when available
  • Notify us immediately of any unauthorized access to your account
  • Keep your device secure and updated
  • Regularly export your data for personal backup purposes
  • Understand that data loss may occur due to technical issues
  • Maintain your own records of important financial transactions
  • Use the App's export features to create personal backups
  • Any financial decisions made based on App data are your sole responsibility
  • We are not liable for financial losses, missed payments, or relationship issues
  • The App is provided "as is" without warranties of any kind
  • We disclaim all liability for financial consequences of App use
  • We are not responsible for data loss due to technical failures
  • App availability is not guaranteed and may be interrupted
  • We disclaim liability for any damages resulting from App unavailability
  • Users should maintain their own backup records
  • The App may integrate with third-party services (Firebase, device contacts)
  • We are not responsible for third-party service failures or data breaches
  • Third-party terms and privacy policies apply to their services
  • We disclaim liability for third-party service issues
  • Our total liability to you shall not exceed the amount you paid for the App
  • In no event shall we be liable for indirect, incidental, or consequential damages
  • This limitation applies regardless of the legal theory of liability
  • We collect only data necessary to provide the App's functionality
  • Financial data is stored locally on your device with optional cloud synchronization
  • We do not sell, rent, or share your personal financial data with third parties
  • Data collection is limited to what is described in our Privacy Policy
  • We implement industry-standard security measures to protect your data
  • Financial data is encrypted both in transit and at rest
  • We use secure cloud infrastructure (Firebase) for data synchronization
  • Regular security audits and updates are performed
  • We do not share your financial data with third parties for marketing purposes
  • Data may be shared with service providers necessary for App functionality
  • We may share aggregated, anonymized data for analytics and improvement
  • Legal requirements may necessitate data sharing in limited circumstances
  • You control your data retention through the App's settings
  • Data is retained according to our Privacy Policy and your preferences
  • You can delete your data at any time through the App
  • Some data may be retained for legal or security purposes
  • We comply with applicable privacy laws including GDPR, CCPA, and others
  • Users have rights to access, modify, and delete their personal data
  • We provide clear information about data processing activities
  • Consent mechanisms are implemented where required
  • We comply with applicable financial privacy regulations
  • The App is designed to meet consumer protection requirements
  • We do not engage in regulated financial services activities
  • Users are responsible for compliance with applicable financial laws
  • Users must be at least 18 years old to use the App
  • Age verification may be required for certain features
  • We do not knowingly collect data from minors
  • Parental consent may be required in certain jurisdictions
  • WDIG and all related intellectual property are owned by AutoCreation Studio
  • The App is protected by copyright, trademark, and other intellectual property laws
  • Users are granted a limited, non-exclusive license to use the App
  • You retain ownership of all data you enter into the App
  • You grant us a license to process and store your data as necessary for App functionality
  • You are responsible for ensuring you have rights to any data you enter
  • We do not claim ownership of your personal financial data
  • You may not reverse engineer, decompile, or disassemble the App
  • You may not copy, modify, or distribute the App without permission
  • You may not use the App for commercial purposes without authorization
  • Violation of these restrictions may result in termination of your license
  • You may stop using the App at any time
  • You can delete your account and data through the App settings
  • Data deletion will be completed within 30 days of your request
  • Some data may be retained for legal or security purposes
  • We may terminate your access to the App for violation of these Terms
  • We may discontinue the App or certain features with reasonable notice
  • Termination does not affect your rights to your personal data
  • We will provide data export options before termination when possible
  • Upon termination, your right to use the App ceases immediately
  • We will delete your personal data according to our Privacy Policy
  • Provisions that by their nature should survive termination will remain in effect
  • You remain responsible for any obligations incurred before termination
  • We may update these Terms from time to time
  • Material changes will be communicated through the App or email
  • Continued use of the App after changes constitutes acceptance
  • You can review the current Terms at any time in the App
  • We may release updates to improve functionality and security
  • Updates may include new features or changes to existing features
  • Some updates may be required for continued App functionality
  • We will provide reasonable notice of significant changes
  • We may modify or discontinue features with reasonable notice
  • Core functionality will be maintained for existing users
  • New features may be added to enhance the user experience
  • Changes will be communicated through the App or other channels
  • These Terms are governed by the laws of [Jurisdiction]
  • Any disputes will be resolved in the courts of [Jurisdiction]
  • We comply with applicable consumer protection laws
  • Users may have additional rights under local law
  • We encourage users to contact us first to resolve any issues
  • Disputes should be reported through the App's support system
  • We will make good faith efforts to resolve disputes promptly
  • Legal action should be a last resort after other resolution attempts
  • Users agree to resolve disputes individually
  • Class action lawsuits are waived to the extent permitted by law
  • This provision may not apply in all jurisdictions
  • Users retain rights under applicable consumer protection laws
  • For technical support, use the in-app help system
  • Email support: support@autocreation.studio
  • Response time: Within 48 hours for non-urgent issues
  • Emergency support: Available for critical security issues
  • For legal matters: legal@autocreation.studio
  • Privacy concerns: privacy@autocreation.studio
  • Terms questions: legal@autocreation.studio
  • Business inquiries: sales@autocreation.studio
  • Company: AutoCreation Studio
  • Address: Sheboygan, WI 53081
  • Website: https://autocreation.studio/apps/wdig
  • Phone: +1 (920) 208-5969
  • If any provision of these Terms is found invalid, the remaining provisions remain in effect
  • Invalid provisions will be modified to the minimum extent necessary
  • The intent and purpose of these Terms will be preserved
  • Users will be notified of any material changes due to severability
  • These Terms, together with our Privacy Policy, constitute the entire agreement
  • Previous agreements or understandings are superseded
  • No oral modifications are binding unless in writing
  • These Terms may only be modified as described herein
  • You have read and understood these Terms of Service
  • You agree to be bound by these Terms
  • You understand the limitations and disclaimers contained herein
  • You are responsible for your use of the App and any consequences thereof

Thank you for using WDIG responsibly and in accordance with these Terms of Service.

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This document was last updated on September 6, 2025. Please check back regularly for updates.