Terms & Conditions

Effective date: September 1, 2025

These Terms and Conditions (“Terms”, “Agreement”) govern your use of the HealthWallet.me website (https://healthwallet.me) and the HealthWallet mobile application (“HealthWallet,” “we,” “us,” or “our”). By accessing or using our website and app, you agree to comply with these Terms. If you do not agree, please do not use our website or services.

1. General Provisions

We may modify or discontinue any part of our website or app at any time without notice. We may also update these Terms from time to time, and it is your responsibility to review them regularly. Continued use of HealthWallet after changes constitutes acceptance of the updated Terms.

2. Intellectual Property

All content on our website and app—including text, graphics, logos, icons, images, and software—is the property of HealthWallet and is protected by copyright, trademark, and other intellectual property laws.

You are granted a limited license to access and use the website and app for personal, non-commercial purposes. This license does not permit you to copy, modify, distribute, or reproduce any part of our website or app without prior written consent.

3. Use of Our Services

When using HealthWallet, you agree not to:

  • Engage in any activity that disrupts or interferes with the app or website, including attempting to hack, introduce malware, or exploit vulnerabilities.
  • Use our services for unlawful, fraudulent, or harmful purposes.
  • Impersonate another person or falsely represent your affiliation.
  • Reverse-engineer, decompile, or disassemble any part of the app or website.

We may suspend or restrict access if we believe you have violated these Terms.

4. User Data and Content

HealthWallet is designed so that your health records and personal data stay on your device. We do not collect, store, or access your personal information.

If you voluntarily provide feedback, reviews, or suggestions through our website, you grant us a non-exclusive, royalty-free, worldwide right to use that content for improvement and communication purposes. You represent that your submissions do not infringe on any third-party rights.

5. Limitation of Liability

To the fullest extent permitted by law, HealthWallet, its affiliates, employees, and partners shall not be liable for any direct, indirect, incidental, or consequential damages, including loss of data, arising from:

  • Your use of our website or app.
  • Unauthorized access to your device.
  • Interruption, suspension, or termination of our services.
  • Any malware or harmful code transmitted through third-party services connected to your device.

6. Indemnification

You agree to indemnify and hold harmless HealthWallet, its affiliates, employees, and partners against claims, damages, or expenses resulting from:

  • Your use of our website or app.
  • Your violation of these Terms.
  • Any content you voluntarily provide to us.
  • Your violation of any applicable law or third-party rights.

7. Governing Law

These Terms shall be governed by and construed under the laws of Australia (or insert your preferred jurisdiction). Any disputes arising from these Terms will be resolved in the courts of that jurisdiction.

8. Termination

We may suspend or terminate your access to our website or app at any time, without notice, if we believe you have violated these Terms. Provisions relating to ownership, disclaimers, indemnity, and limitation of liability shall survive termination.

9. Changes to These Terms

We may update these Terms periodically. Updates will be posted on this page, and continued use of HealthWallet after changes means you agree to the updated Terms.

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