Terms of use

Version of 14 November 2026

These terms apply to the use of the DUO Wallet app and the associated online service (together: the service). By using the app you agree to them. Please also read our privacy policy.

1. Who we are

The service is offered by:

[Naam aanbieder]
[Straat en huisnummer, postcode, plaats, land]
Chamber of Commerce (KvK): [KvK-nummer]
Email: [contact@jouwdomein.nl]

2. What the service is

DUO Wallet is an app for keeping track of your personal and joint finances: income, expenses, fixed costs, budgets, assets, debts, investments, goals and trips. With an account you can synchronise your data between devices and share it with one partner in a household. The app is not connected to your bank; you enter everything yourself or scan a receipt.

3. No financial advice

The service is a tool for keeping an overview. Nothing in the app is financial, tax, legal or investment advice. Calculations, forecasts, returns, prices, exchange rates and scanned receipts may be incomplete, delayed or incorrect. Prices and exchange rates come from external suppliers and are indicative only. Check important amounts yourself and do not take decisions based on the app alone. Reminders are based on the dates you enter; we do not guarantee that a notification appears on time or at all.

4. Your account and your household

You must be at least 16 years old to create an account. To take out a subscription you must have legal capacity or have permission from a parent or guardian.
You make sure that the details you sign in with are correct and that nobody else gets access to your device or email. If you notice abuse, let us know.
A household has at most two members. Whoever is a member can see and change all data of the household. So only invite someone you trust. The owner can remove the partner; if the owner leaves the household, the partner becomes the owner.
You remain the owner of what you enter. You only give us permission to store that data, to synchronise it and to show it to the members of your household, as far as necessary to provide the service.
You are responsible for being allowed to enter data about others (such as your partner).

5. Subscription, trial period and prices

A paid subscription may be required for (part of) the service. You see the current subscriptions, prices and the length of any free trial in the app before you buy anything. Prices include VAT.
You buy the subscription through Apple's App Store. Payment, renewal, cancellation and refunds go through Apple and follow Apple's terms.
The subscription renews automatically for the same period (a month or a year), unless you cancel at least 24 hours before the end of the current period. You cancel in the settings of your Apple account (Settings › your name › Subscriptions). You keep the current period.
Trial period: if you do not cancel at least 24 hours before the end of the trial period, the paid subscription starts automatically. Each Apple account can get a trial period once.
Family subscription: you can share this with up to five family members through Apple's Family Sharing. This is separate from the household in the app.
We may change prices for future periods. Apple lets you know in advance and asks for your consent where necessary. If you do not agree, you can cancel before the new price takes effect.

6. Right of withdrawal and refunds

As a consumer in the European Union you in principle have a 14-day cooling-off period after purchase. You exercise that right with Apple, via reportaproblem.apple.com, and Apple decides on refunds according to its own terms. You can also ask us questions about your subscription.

7. What is not allowed

You only use the service for yourself and your household, in a normal way. It is not allowed to:

use the service for anything that is against the law;
circumvent the security, overload the server or read out the service by automated means;
copy, sell, imitate or reverse engineer the app or the server, except to the extent that the law mandatorily allows it;
gain access to data of anyone other than your own household.

If you break these rules, we may restrict your access or terminate your account. Except in the case of serious abuse, we warn you first.

8. Availability, backups and changes

We do our best to make the service work well and securely, but cannot guarantee that it is always available without errors or interruptions. Maintenance and malfunctions can occur.
Make a backup yourself regularly via Settings › Data. That certainly applies if you use the app without an account: your data is then only on your device and we cannot recover it.
We may improve the service and add, change or remove features. If we remove a paid feature that is essential, we let you know in advance.
If we stop the service, we let you know at least 60 days in advance, so that you can download your data.

9. Liability

We are not liable for damage caused by decisions you take based on the app, by incorrect or delayed prices or scanned receipts, by data you enter or erase yourself, by what a member of your household does, or by malfunctions at Apple, your internet connection or your device.
To the extent that we are liable, our liability is limited to the amount you paid for the service in the 12 months before the damage.
These limitations do not apply in the case of intent or deliberate recklessness on our part, nor to the extent that the law does not allow them. Your statutory rights as a consumer always continue to apply, including the right to a service that conforms to the contract.

10. Intellectual property and licence

The app, the server, the design and the texts belong to [Naam aanbieder] or our licensors. You receive a personal, non-transferable and revocable right to use the app on Apple devices that you own or control, as permitted in the usage rules of the App Store.

11. Apple

These terms are an agreement between you and us, not with Apple. In addition:

We, not Apple, are responsible for the app and its content, for maintenance and support, and for handling claims about the app (such as about product liability, legal requirements or consumer protection).
If the app does not conform to an applicable warranty, you can notify Apple and Apple refunds the purchase price of the app. Beyond that, to the extent permitted by law, Apple has no other warranty obligation for the app.
In the event of a third-party claim that the app infringes intellectual property, we and not Apple are responsible for investigation, defence and settlement.
You declare that you do not live in a country that is subject to a United States embargo and that you are not on a United States sanctions list.
Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.
To the extent that these terms do not provide for something, Apple's standard terms of use apply (Licensed Application End User License Agreement).

12. Cancelling and deleting your account

You can stop at any time. Delete your account in the app via Settings › Account › Delete account. You stop a running subscription separately with Apple; deleting your account does not cancel the subscription. What happens to your data is described in the privacy policy.

13. Changes to these terms

We may amend these terms, for example for new features or legislation. We announce important changes in the app at least 30 days in advance. If you do not agree, you can stop using the service before the change takes effect.

14. Applicable law and disputes

These terms are governed by the law of the Netherlands. If you live in another country as a consumer, you keep the protection of the mandatory rules of that country. If you have a complaint, email us first; we respond within 14 days. If we cannot resolve it together, you can submit the dispute to the competent court of your place of residence or of our place of business.

15. Contact

Questions about these terms or the service: [contact@jouwdomein.nl].