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Terms of service

Last updated: 28 October 2026 · version 2026-10-28

The terms for using HomesWallet: the service, plans and payments, automatic renewal and cancellation, the right of withdrawal, liability and disputes.

HomesWallet (the website homeswallet.com and the app) is provided by:

Company
GASTRONOM 1 Ltd.
Company ID
208680785
VAT number
BG208680785
Registered office
162A Tsvetan Lazarov Blvd., Iskar district, 1582 Sofia, Bulgaria
Managing director
Reni Nikolaeva Nedyalkova
E-mail
hello@homeswallet.com

Contact: hello@homeswallet.com; for legal and personal-data questions: legal@homeswallet.com; in the app: Help. We have no public phone number. These Terms of service are the contract between you and us for using HomesWallet.

HomesWallet is an assistant for household expenses: expenses, bills and due dates, subscriptions, spending limits, documents, receipts (and reading them from a photo), reminders, goals, family profiles and monthly reports. The app runs in the browser and can be installed on a phone.

HomesWallet tracks expenses only. It does not track income, salaries, net worth or investments and does not give financial, investment, credit, tax or legal advice (see "Financial disclaimer"). Decisions about the household's money remain yours.

The service is for consumers and families. If you use it as a business or for professional purposes, the consumer provisions (the right of withdrawal, the statutory conformity guarantee under the Consumer Protection Act) do not apply to you, unless the law requires otherwise.

Only an adult (18 or older) may create an account. You sign in with a code sent to your e-mail or with face or fingerprint sign-in (passkey). On your first sign-in the app creates your keys on your device and shows you 12 recovery words.

Every account belongs to one household. The account that creates it is the owner. The owner invites other adults by e-mail and gives them a role: partner (runs the household's data together with the owner, including the children and pocket money), member (enters and changes expenses, bills and the other data) or view-only (sees everything but changes nothing). Only the owner manages invitations, consents (AI, e-mail for bills, proven savings, the shared product dictionary), the household key and the plan and payments. Children have no accounts — they are added in Family, without sign-in and without e-mail, but they count as members of the plan. The owner can transfer ownership to another adult of the household; the transfer happens only when that adult accepts it on their device.

You are responsible for the accuracy of the data you enter, for keeping your devices and the 12 words safe, and for whom you invite into the household — every invited adult sees all the household's data.

The household's data is encrypted on your device before it reaches us. We store only ciphertext and do not have the keys — we cannot read, restore or hand over the content to anyone. That is also why we cannot "reset a password" in a way that keeps the data.

IMPORTANT: YOUR DATA IS ENCRYPTED WITH KEYS THAT ONLY YOU HOLD. IF YOU LOSE EVERY WAY TO UNLOCK YOUR KEYS — THE 12 RECOVERY WORDS, FACE OR FINGERPRINT SIGN-IN (PASSKEY), YOUR REMEMBERED DEVICES AND THE APP PIN — NOBODY CAN RECOVER YOUR DATA: NOT YOU, NOT US, NOT ANYONE ELSE. ACCESS TO YOUR E-MAIL IS NOT ENOUGH. KEEP THE 12 WORDS IN A SAFE PLACE.

Family recovery (approval by another adult of the household) helps only if it was set up beforehand and only under its rules; it is not a back door for us. We are not liable for data lost because keys, words or devices were lost.

The plans at the time of this version are:

  • Basic — €12.99 a month or €129.90 a year: 2 members, 60 AI photos and files a month, 1 GB for documents, an AI budget of €0.30 a month, offers from 3 retail chains.
  • Family — €24.99 a month or €249.90 a year: 4 members, 300 AI photos and files a month, 3 GB for documents, an AI budget of €0.60 a month, everything in Basic plus Habits, unlimited bank import, offers from all chains and shared family reports.
  • VIP — €39.99 a month or €399.90 a year: 6 members, unlimited AI photos and files under fair use (up to 1,000 a month), 10 GB for documents, an AI budget of €1.00 a month, everything in Family plus Price memory, meals from what expires, pocket money, wishes, a weekly plan, an automatic list, a monthly family report and priority support.

Members are all the people in the household — the adults with an account and the children in Family. Beyond those included in the plan you can add members for an extra payment, up to 10 in total.

Add-ons the owner can order in Settings → Plan and payments:

  • Extra member — €1.49 a month or €14.90 a year, up to 10 members in total.
  • Archive +10 GB — €1.99 a month or €19.90 a year: more room for documents and photos.
  • 150-photo pack — €2.49 once, for Basic and Family: 150 AI photos and files, valid for 12 months from the purchase.

The member and archive add-ons are paid together with the subscription, for the same period (month or year), and end with it. The photo pack is a one-off purchase; unused photos are not refunded in money.

The exact limits of each plan and the prices in force are shown on the Pricing page and before payment; what you have used is shown in Settings → Plan and payments. The limits protect the service from abuse and unreasonable cost. "Unlimited" in VIP means fair use: up to 1,000 AI photos and files a month per household. When the photos in the plan are used up, you can enter data by hand or buy a photo pack.

The AI budget is the amount the plan covers for AI processing during the month. While there is budget left, photos and e-mails are read at once. When the month's budget is used up, AI does not stop: new requests are processed at night (between 01:00 and 05:00 Bulgarian time) in the cheaper night queue and the result waits for your review in the morning. A request not processed within 72 hours lapses — you can then send it again or enter the data by hand.

Prices are in euros and include 20% VAT.

Trial: each household gets one free 7-day trial, which starts when the household is created. During it the features of VIP are available with an AI budget of €0.20. The trial is given once per e-mail address and once per device or passkey; at most one trial can start from the same network in 24 hours, and addresses from disposable e-mail services are not accepted. For this check we keep only hashes (one-way fingerprints) of the e-mail, the device, the passkey and the network, not the data itself. The trial needs no card and does not turn into a paid subscription by itself. We remind you in the app and by e-mail two days before it ends and on its last day.

After the trial HomesWallet is used with a paid plan — there is no free plan. Without a plan the household is view-only: you can sign in, view and download everything entered, manage your devices, access recovery and account deletion, and choose a plan. Adding and changing data (expenses, bills, scanning, AI, members, reminders, offers, publishing) is stopped until a plan is chosen. Nothing is deleted because there is no plan. E-mails to the bills address are kept sealed for up to 30 days and processed after you choose a plan.

Only the owner orders a paid plan, in Settings → Plan and payments. Before paying, the owner chooses the plan and period, accepts these Terms of service and the Subscription policy and expressly asks for the service to start at once (see section 9). The contract is concluded when the payment succeeds.

Payment is by card only, through Stripe, which processes the payments through the company's Stripe account; the payment page shows the company's name — “GASTRONOM 1” — and the order line shows HomesWallet and the plan; on the bank statement the payment is marked HOMESWALLET. With every payment Stripe also keeps a technical mark of the site (homeswallet.com) and the household number, without household data. You enter the card details at Stripe; we neither see nor store the full card number. Invoices and credit notes are issued only by our own document register and sent to you by e-mail as a link; all documents are also in Settings → Plan and payments. You enter the invoice details (person or company, company ID, VAT number, address) there; they apply from the next document.

Discounts and gifts. You enter a promotional code we gave you in Settings → Plan and payments before paying; the size and duration of the discount are shown before you pay. Invitations: when 5 to 14 households you invited pay for an active subscription, you get 10 % off your subscription, and with 15 or more — 20 %; the invited household gets 10 % off its first payment. Each invited household counts once — we check this by a card fingerprint and a device key, without seeing household data; the discount level is recalculated before each renewal. At our discretion we may give a month of the plan or a photo pack as a gift (for example as compensation for a problem). Discounts and gifts are not paid out in money; the register's documents always show the amount actually paid.

The subscription renews automatically for the same period (month or year) at the same price and the card is charged at the start of each period until you cancel. You cancel with one button in Settings → Plan and payments → "Cancel the subscription" and one confirmation; if you like, you can give a reason with one tap. Cancellation takes effect at the end of the paid period (except within the 14-day withdrawal period — section 9); until then the plan keeps working and you can resume it. We send you an e-mail confirming the cancellation.

Changing the plan (for example Basic → VIP) or the period (month ↔ year) happens at once, with one tap. The difference is calculated in proportion to the days left in the period: for a more expensive plan you pay the difference at once, for a cheaper one the unused part is deducted from the following payments. If the card declines the payment, nothing changes. When the subscription ends, the household has no plan: the data stays saved and available to view and download, but adding and changing need a new subscription (section 5). If a renewal payment fails, you have 7 days to update the card; after that the household has no plan.

We may change the prices for new orders. A running subscription keeps the price at which it was ordered as long as it renews without interruption. Should a price change for running subscriptions ever be needed, we will tell you at least 30 days in advance and you will be able to cancel before the new price applies.

When we show a reduced price, the struck-through price is the lowest price applied in the 30 days before the reduction, and the reduction applies until the stated end date.

As a consumer you may withdraw from the contract for a paid subscription within 14 days of its conclusion (the successful first payment) without giving a reason. HomesWallet is a digital service that starts at once: when ordering you expressly ask for this and confirm that if you withdraw within the period you owe an amount proportional to the time the service was provided until the withdrawal. The rest of what you paid is returned to you.

The easiest way is to press "Cancel the subscription" in Settings → Plan and payments within 14 days of the first payment: the subscription stops at once and the unused part of what you paid is refunded automatically, in proportion to the days left. You can also send a clear statement to billing@homeswallet.com or from the app (Help → Billing and invoices), for example using the model form on the Cancellation page. We refund within 14 days of receiving the withdrawal, to the card you paid with, and our own document register issues a credit note. Details: "Cancellation" and "Refunds".

The right of withdrawal does not apply to businesses and does not concern the trial, which is free and ends by itself.

Use HomesWallet lawfully and only for your own household. The rules are in "Acceptable use". The content you enter or upload remains yours; you only give us the right to store and transmit it encrypted as far as the service needs (see "Uploaded content").

The AI features are optional and turned on by the owner. Their result is a draft you confirm before it is saved, and it may contain mistakes (see "AI processing").

We aim to keep the service running at all times but cannot guarantee that there will never be interruptions — for example during maintenance, a problem at a provider or an attack. The app keeps an encrypted copy on your devices and allows limited work offline.

We develop the service and may change its features. If a change materially and adversely affects a paid plan, we will tell you at least 30 days in advance (except for an urgent change for security or legal reasons) and you may end the contract within 30 days of the change with a refund of the unused part of what you paid.

As a consumer you have the statutory rights when the digital service does not conform with the contract: to ask us to bring it into conformity, for a price reduction or to end the contract. Write to us and we will reply within 14 days.

To the extent the law allows, we are not liable for: data lost because of lost keys, words or devices; decisions made on the basis of the amounts, forecasts or tips in the app; errors in bills, receipts or e-mails from third parties (banks, providers, shops); lost profits and indirect damage. Nothing in these terms limits our liability for intent or gross negligence, or your consumer rights that cannot be waived.

Towards businesses our liability is limited to the amount paid for the service in the last 12 months, except for intent or gross negligence.

You can delete your account or household at any time in Settings (see "Account deletion"). We may block a household or suspend or end access for a serious or repeated breach of these terms or of "Acceptable use", for abuse of trials, invitations or discounts, for non-payment or where the law requires it — with a warning and time to put it right where possible. A blocked household cannot add or change data or order or change a plan, but it can download all its data. If we end a paid subscription for a reason other than your breach, we refund the unused part of what you paid.

Every version is dated. We publish changes here and tell owners with a paid subscription by e-mail or in the app at least 30 days before they affect their running subscription; if you do not agree, you can cancel before then. Every new order requires acceptance of the version in force.

Send complaints to legal@homeswallet.com or from the app (Help). We reply within 14 days.

If we cannot agree, you may turn to the Consumer Protection Commission of Bulgaria (4A Slaveykov Square, 1000 Sofia, https://kzp.bg) and its conciliation committees for out-of-court resolution, and for a dispute with a trader from another EU country to the European Consumer Centre in Bulgaria (https://ecc.kzp.bg). The EU online dispute resolution (ODR) platform was closed on 20 July 2025 (Regulation (EU) 2024/3228), so we do not link to it.

Bulgarian law applies to the contract. Disputes are decided by the competent Bulgarian courts. If you are a consumer habitually resident in another EU country, you keep the protection of that country's mandatory rules and may also bring proceedings there.