Wetree 위트리 (Wetree)Shared budgeting for couples & families
Terms

Terms of Service

Effective July 21, 2026 · This is a reference translation. The Korean version is authoritative.

These Terms govern the conditions and procedures for using the mobile application Wetree (the "App") provided by the developer Youngwook Baek (the "Developer"), and the rights and obligations of users and the Developer.

This English version is provided for reference. In case of any conflict, the Korean version above prevails.

Article 1 (Purpose)

These Terms set out the rights, obligations, and responsibilities between the Developer and users regarding the use of the services provided by the App — including the ledger, savings, calendar, and to-dos (the "Service").

Article 2 (Definitions)

  1. User: a person who agrees to these Terms, signs up for the App, and uses the Service.
  2. Family: a group of users connected by an invite code who view data together. A person using the App alone is still managed internally as a family with one member.
  3. Owner: the user who joined the family first (the person who created it).
  4. Shared data: records a user has set to "Shared" so that they are visible to other members of the same family.
  5. Private data: records a user has set to "Private" so that they are visible only to that user.
  6. Child information: records about a child entered by a guardian user for household and schedule management. Children are not users of the Service.

Article 3 (Posting and Amendment of Terms)

  1. The Developer posts these Terms in the App under Settings → Terms of Service.
  2. The Developer may amend these Terms to the extent that doing so does not violate applicable law.
  3. When these Terms are amended, the Developer will give notice through an in-App announcement or this document 7 days before the effective date. For material changes unfavourable to users, notice will be given 30 days in advance.
  4. A user who does not agree to the amended Terms may stop using the Service and withdraw. Continuing to use the Service after the announced effective date is deemed acceptance of the amended Terms.

Article 4 (Formation of the Contract and Eligibility)

  1. The contract is formed when the user agrees to these Terms and completes sign-up through social login.
  2. The App does not accept sign-ups from anyone under 14 years of age. The App provides no accounts or login for children; "child" within the App refers only to records entered by a guardian and is not a separate account.
  3. The Developer may refuse sign-up or terminate the contract afterwards in any of the following cases:
    • Using another person's name or information without authorisation
    • Having a prior record of restricted use for violating these Terms
    • Violating applicable law or interfering with the normal operation of the Service

Article 5 (Accounts and Login)

  1. The App provides social login only (Kakao, Naver, Google, Apple) and does not create or store a separate ID or password.
  2. An account is identified by the social account used to sign in. Signing in with a different social account creates a separate account and does not carry over data from the existing account. Users should keep using the sign-in method they registered with.
  3. Users are responsible for managing their own social accounts and devices, and are responsible for consequences arising from allowing others to use them.
  4. For device security, the App provides App Lock (biometrics), Private view lock, and Hide amounts. Their use is at the user's discretion.

Article 6 (Contents of the Service)

  1. The Developer provides the following features free of charge:
    • Ledger: expense and income records; category, payment method (card/transfer/cash) and payer; memos; emotion tags; visibility settings; fixed-cost management; card management; full history browsing and search; statistics
    • Budget: monthly and per-category budgets
    • Savings: savings goals, deposits and settlement, savings overview, goal projects, date wallet
    • Settlement: monthly wrap-up, fixed-cost and tuition settlement
    • Calendar: creating, editing, repeating and searching events; public holidays
    • To-dos and shopping: to-do lists with owner and due date; shopping lists and templates
    • Childcare management: per-child class schedules and tuition costs
    • Family connection: connecting via invite code and configuring sharing scope
    • Sunlight points and growth tree: points earned through app use and the corresponding tree stage
    • Card statement sorting: a feature in which AI automatically categorises card-statement screenshots captured from card issuer apps and files them into the ledger
    • Data export: exporting ledger records as a CSV file
    • On-device notifications: reminders the user configures, such as schedules and settlements
  2. The free allowance for card statement sorting is 10 images per month per household, plus 5 additional images for each connected member (e.g. 10 alone, 15 for two people, 20 for three). Once the allowance is exhausted, the feature is unavailable until the following month. The feature runs only when the user starts it, and images are sent to an external AI service for analysis (see the Privacy Policy for details).
  3. Features not listed in this Article are not currently provided. The Developer may add or change features to improve the Service, in which case Article 14 applies.

Article 7 (Family Connection and Data Sharing)

  1. Users may connect with other users as a family through an invite code. After connecting, data is shown to the other party according to the visibility each user has set.
  2. Users determine visibility themselves:
    • Expenses, savings, and income: set "Shared" or "Private" on each individual entry.
    • Calendar and to-dos: shared at the family level, with individual items able to be set to "Private".
    • Records created before connecting are not shown to the other party unless the user separately discloses them.
  3. If a user leaves the family or is removed by the Owner, the records that user entered remain with the family. Shared household and schedule records also belong to the remaining members. A user who has left can no longer access that family's data, including records they authored, and cannot recover previous records even if they reconnect. To keep your records, save a CSV file via Settings → Data export before leaving.
  4. Only the Owner may dissolve a family. On dissolution, all records and uploaded photos of that family are permanently deleted and cannot be recovered.
  5. Shared sunlight points earned while connected are forfeited when the connection ends; personal points are retained.
  6. Users acknowledge that the information they enter may include personal information of family members, and must enter it within the scope of that person's consent. For child information, using a nickname rather than a real name is recommended.

Article 8 (User Obligations)

  1. Users must not:
    • Fraudulently use another person's account or invite code
    • Reverse-engineer or modify the App, or access servers by abnormal means
    • Interfere with operation of the Service by sending excessive requests through automated means
    • Collect, store, or disclose another person's personal information without authorisation
    • Record or post content that violates law or public order and morals
  2. Users are responsible for the content they enter into the App (memos, photos, and the like).
  3. The App is a record-keeping tool that helps with household management and does not provide investment, tax, or legal advice. Figures and analyses presented by the App, including AI-generated categorisation and reports, are for reference only, and users are responsible for their own financial decisions.

Article 9 (Data Storage and Synchronisation)

  1. Data entered by users is stored on servers (cloud) and synchronised across devices signed in with the same account.
  2. If several members edit the same item at the same time, the most recently saved content overwrites the previous content. In such cases the Developer provides no separate notice or alert and does not restore the content that was overwritten. Please keep important records separately via Settings → Data export.
  3. Some records created while offline may be stored temporarily on the device and reflected once connectivity returns. Deleting the App discards temporary records that have not yet been reflected.
  4. The Developer does not provide or restore separate backups of user data. Responsibility for backups rests with the user, and the App provides CSV export for this purpose.

Article 10 (Sunlight Points)

  1. Sunlight points are an in-App display element earned through use of the App and used to indicate the stage of the "growth tree".
  2. Sunlight points cannot be exchanged for cash or goods, are not refundable, transferable, or inheritable, and have no monetary value whatsoever.
  3. The qualifying actions, point values, daily caps, and other earning criteria may be changed without prior notice as required for operation of the Service.
  4. Related points are forfeited when a family connection ends or an account is deleted, and the Developer provides no compensation for this.

Article 11 (Family+ Paid Service)

  1. The Developer may offer a paid subscription service, Family+, in the future.
  2. As of the effective date of these Terms, Family+ is not provided and is shown in the App as "coming soon". No payment or subscription can be made.
  3. If Family+ launches, the intended benefits are as follows; the actual composition will be confirmed by in-App notice at launch:
    • Ad-free use
    • Advanced statistics and reports
    • An increased allowance for AI card-statement analysis, and AI monthly reports
  4. A fee of KRW 2,900 per month (per household, provisional) is under consideration. The final fee and payment terms will be announced in the App at launch, and that announcement prevails. The amount in this paragraph is not a fixed price.
  5. Family+ is designed as a household-level subscription: when one person pays, it applies to all members of that family.

Article 12 (Payment and Withdrawal for Paid Services)

  1. If Family+ launches, payment will be made through in-app purchase on the Apple App Store or Google Play, and payment, renewal, cancellation, and refunds will follow each store's policies and procedures.
  2. Users may cancel a subscription themselves in each store's subscription management screen; on cancellation, the Service continues until the end of the paid period.
  3. Refunds follow each store's refund policy and applicable law, including the Act on Consumer Protection in Electronic Commerce.
  4. As of the effective date of these Terms, paid purchases are not provided, so this Article applies only after Family+ launches.

Article 13 (Advertising)

  1. To keep the Service free, the Developer may display advertising (Google AdMob) in the App. Where displayed, ads appear on some screens such as Home, Ledger, and Statistics.
  2. As of the effective date of these Terms, the App does not display advertising. If advertising begins, it will be applied through an app update, and this Article applies from that point.
  3. When ads are displayed, advertising identifiers and similar data may be collected. The App has no setting to turn ads off or switch to non-personalised ads; users who do not want personalised advertising can restrict it through device settings:
    • iOS: Settings → Privacy & Security → Tracking → turn off "Allow Apps to Request to Track"
    • Android: Settings → Privacy → Ads → Delete advertising ID
  4. Third-party goods and services shown through advertising are the responsibility of the advertiser, and the Developer is not involved in transactions or disputes between users and advertisers.
  5. Users' records within the Service, such as ledger and calendar data, are not transmitted to advertising providers for the purpose of serving ads.
  6. If Family+ launches, ads will not be shown to subscribers.

Article 14 (Changes to and Suspension of the Service)

  1. The Developer may add, change, or discontinue features of the Service, and will give advance notice of material changes unfavourable to users through in-App announcements or similar means.
  2. Provision of the Service may be suspended temporarily in the following cases, where advance notice may not be practicable:
    • System maintenance, replacement, or failure; loss of communications
    • Failure or policy changes of external providers the Service depends on (cloud, authentication, AI, advertising, and the like)
    • Force majeure such as natural disaster
  3. The Developer may discontinue the Service entirely, in which case notice will be given through in-App announcements or similar means at least 30 days before the closing date, allowing users to export their data.
  4. Because the Service is provided free of charge, the Developer bears no liability beyond the scope prescribed by applicable law for damages arising from changes to or suspension of the Service.

Article 15 (Termination — Withdrawal)

  1. Users may withdraw at any time via Settings → Delete account. Withdrawal is processed immediately within the App with no separate application or approval process.
  2. On withdrawal, account information (login identifier, nickname, profile emoji) is deleted without delay.
  3. Records entered by the user are handled as follows on withdrawal:
    • If other members remain in the family: household, savings, and calendar records entered by the user remain as the family's records, and the author is anonymised as "Withdrawn user". Shared household records are also the financial records of the remaining members and are therefore not deleted. A withdrawn user cannot access these records again.
    • If using the App alone: all records and uploaded photos are permanently deleted together.
    • In either case, withdrawal cannot be undone. To keep your records, use Settings → Data export before withdrawing.
  4. Sunlight points held at the time of withdrawal are forfeited and cannot be restored.
  5. Information subject to a statutory retention obligation is kept for the required period and then destroyed.

Article 16 (Restriction of Use)

  1. Where a user violates Article 8, the Developer may restrict use of the Service or terminate the contract after prior notice. However, where infringement of other users' rights or a serious threat to operation of the Service is evident, use may be restricted immediately.
  2. The Developer may limit the number of invite codes issued or looked up in order to prevent fraudulent use.
  3. A user whose use has been restricted may object using the contact details in Article 18, and the Developer will lift the restriction where it finds the objection justified.

Article 17 (Disclaimers and Limitation of Liability)

  1. The Developer is not liable for Service failures arising from causes beyond its reasonable control, such as natural disaster, communications failure, problems with the user's device, or failures of external providers.
  2. The Developer is not liable for the accuracy of data users enter into the Service, nor for users' financial decisions and outcomes based on that data.
  3. Results of AI automatic categorisation (card statement sorting) may be inaccurate. Users must review and correct results before saving, and the Developer does not warrant the accuracy of automatic categorisation.
  4. The Developer is not involved in disputes between family members arising from data shared among them. Responsibility for visibility settings rests with the user.
  5. Pursuant to Article 9, the Developer bears no obligation to back up or restore user data.
  6. The Service is currently provided free of charge, and the Developer's liability for damages is recognised only in cases of the Developer's wilful misconduct or gross negligence, within the scope prescribed by applicable law.

Article 18 (Enquiries and Dispute Resolution)

  1. Enquiries, feedback, and complaints about the Service may be submitted using the contact details below or through Settings → Contact & feedback in the App.
Item Details
Service name Wetree
Developer Youngwook Baek
Email wetree.planner@gmail.com
  1. The Developer will respond to user enquiries in good faith.
  2. Matters concerning personal information are governed by the separate Privacy Policy.
  3. Where these Terms and the Privacy Policy differ, the Privacy Policy prevails with respect to the processing of personal information.

Article 19 (Governing Law and Jurisdiction)

  1. These Terms and use of the Service are governed by the laws of the Republic of Korea.
  2. In the event of a dispute between the Developer and a user in connection with use of the Service, both parties shall negotiate in good faith toward an amicable resolution. If no agreement is reached, either party may bring an action before the court having jurisdiction under the Civil Procedure Act.

Addendum

These Terms take effect on July 21, 2026.