Clear terms. No fine-print theatre.

These Terms of Service (“Terms”) are an agreement between you and Falnyomtató Kft., the publisher and provider of HabitTreasury. They govern your use of the HabitTreasury website, account, habit and treasury features, Tully, optional AI drafts, subscriptions and related support.

By creating an account or using the service, you confirm that you can enter a binding agreement and that you accept these Terms. If you use HabitTreasury for a business, you confirm that you have authority to accept for that business. Mandatory consumer rights remain unaffected.

Contact us at info@falnyomtato.com if you have a question before accepting.

HabitTreasury is a general habit-building product for small, self-recorded business routines. You choose an action, define its minimum, attach a cue and manually check in after completing it. Tully offers brief software-generated or human-written rule-based prompts, and the treasury records virtual feedback.

HabitTreasury is not a medical device, diagnosis, treatment, therapy, crisis service or medication service. It does not treat ADHD or promise a clinical outcome. You never need to disclose a diagnosis to use it.

HabitTreasury is also not financial, investment, legal or tax advice. It does not promise clients, revenue, productivity or a business result. You remain responsible for your work, decisions and compliance with obligations to clients and others.

Tully and optional AI are software, not human coaches, therapists or financial advisers. The app records what you choose to log; it does not independently verify client work or events outside the app.

Provide accurate account information and keep your sign-in credentials secure. You are responsible for activity reasonably attributable to your account and for telling us promptly if you suspect unauthorised access.

Do not share an account in a way that exposes another person’s private records, bypass access controls, or use another person’s identity or email address without permission. Account verification and security messages are part of the service and are separate from optional marketing email.

We may restrict activity where reasonably necessary to protect users, investigate abuse, comply with law or preserve the service. Where practical, we explain the reason and provide a route to resolve the issue.

You retain ownership of the habit definitions, cues, notes, check-ins and other content you add. You give us only the limited permission needed to host, process, display, export and protect that content in order to operate and improve the requested service, subject to our Privacy Notice.

You are responsible for having the right to enter content and for avoiding unnecessary confidential or sensitive information. Do not enter client secrets, another person’s health information, unlawfully obtained material or content that infringes someone else’s rights.

Manual check-ins are your own record. A coin credit reflects a recorded action, not independent verification by HabitTreasury. You can correct a log; the related virtual credit may then be corrected to keep the ledger accurate.

Virtual coins have no cash, investment, redemption or purchase value. They are not money, electronic money, cryptocurrency, a financial product or a redeemable balance. They cannot be bought, sold, transferred, exchanged, invested or cashed out.

Only eligible, confirmed completions receive the credit defined by the product rules. The welcome gift is separate from earned actions. Daily caps, weekly commitments and return rules are shown in the product and marketing explanation.

A missed day adds no new habit coins and does not reduce your virtual balance. Rest is an explicit valid state with no credit or penalty. An unknown or unlogged day is not automatically a failure. There is no make-up purchase, coin buy-back or obligation to repair a streak.

Correcting an old log may adjust its associated credit so the record remains accurate. That correction is not a missed-day punishment. We may correct proven technical errors or abuse in the ledger, with an explanation where appropriate.

Core Tully prompts can use human-written local rules without an external AI provider. Optional personalised AI drafts require a separate opt-in and are labelled as AI drafts. You can accept, edit or dismiss them.

AI output may be incomplete or unsuitable for your situation. Review a suggestion before applying it. Do not rely on it as medical, legal, financial or other professional advice. You remain responsible for the final habit text, action and decision.

AI cannot autonomously change a habit, treasury ledger or subscription. If an external provider is unavailable or not configured, local rules may be used; local fallback is not presented as AI output.

The Free plan includes one active habit, unlimited manual check-ins, core treasury and local Tully feedback, missed-day recovery, a basic weekly summary, 30-day history, export and deletion. It is not a timed demo and requires no card.

An optional Pro trial lasts 14 days and must be explicitly started. No card is required and no automatic charge is taken when the trial ends. Unless you separately choose a paid subscription, the account returns to Free under Free-plan limits.

Your existing history is not deleted because the trial or Pro ends. Free displays 30-day history, and export and deletion remain available. Free allows one active habit and does not permit creating new habits above that limit.

Pro is offered at €9.99 per month or €79.99 per year, or HUF 3,990 per month or HUF 31,990 per year. These are consumer prices including applicable VAT. The currency, billing period, amount and renewal terms shown at checkout form part of your purchase.

Paid subscriptions renew for the selected monthly or annual period unless cancelled under the terms presented at checkout and in Billing. Renewal does not result from the no-card trial unless you actively choose a paid plan and provide the required payment details.

You can manage or cancel through Billing. The billing portal and confirmation show whether Pro access ends immediately or at the end of the paid period. After Pro ends, the account returns to Free under its limits; existing history is not deleted.

If we change a price or material subscription term, we provide any notice required by law and honour the terms applicable to a period already purchased. Required taxes and invoice records are handled through the billing flow.

Your first voluntary Pro payment includes a 14-day full refund guarantee from the payment date. Contact info@falnyomtato.com with enough information to identify the account and invoice. Refund status and amount are confirmed against the actual payment record.

This voluntary guarantee does not limit statutory withdrawal, refund, conformity or other consumer rights. Where law provides a cooling-off or withdrawal period, the required information and any legally required request for immediate access to digital content will be presented in the applicable flow.

Nothing in these Terms requires you to give up a mandatory right or prevents you from contacting a consumer-protection body, regulator or court.

You agree not to:

• break applicable law, infringe rights, harass others or distribute harmful or deceptive content;
• probe, disrupt or bypass security, authentication, tenant boundaries, plan limits or rate limits;
• introduce malware, automate abusive requests, scrape another person’s data or attempt unauthorised access;
• misrepresent virtual coins as money, an investment, a redeemable asset or a reward with cash value;
• use Tully or AI output to provide medical, crisis or other professional services that the product is not designed to provide;
• resell or provide the service to others in a way that falsely implies a human coaching service, an official partnership or our endorsement.

Reasonable use limits may apply to optional external AI drafts. These limits manage cost and service reliability; they do not affect local Tully or your core export and deletion rights.

HabitTreasury’s software, visual identity, editorial content, original Tully character and related materials are protected by applicable intellectual-property laws. These Terms give you a personal, limited, non-exclusive, non-transferable right to use the service during your agreement with us.

You may not copy, redistribute, resell, reverse engineer or create a competing character or service from our protected materials except where law expressly permits it or we give written permission. Ownership of your own content remains yours.

If you send feedback, we may use it to improve the service without revealing your private content or suggesting an endorsement. You are not required to provide a testimonial.

We aim to provide a reliable service, but availability can be affected by maintenance, faults, security work and third-party providers. We do not promise uninterrupted operation or that every suggestion will fit your circumstances. We provide information about material changes where reasonably practical.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for intent, gross negligence, death or personal injury caused by negligence, or mandatory consumer liability.

Subject to those non-excludable rights, we are responsible for foreseeable loss or damage caused by our breach as required by applicable law. We are not responsible for losses that were not reasonably foreseeable, or for indirect loss that applicable law allows us to exclude. You remain responsible for your business decisions, client obligations and backups of information you choose to keep outside the service.

You can stop using HabitTreasury and use the account-deletion controls. Cancelling a paid subscription and deleting an account are different actions: cancellation stops future renewal under the displayed billing terms, while deletion addresses the account and associated live data under the Privacy Notice.

We may suspend or terminate access for material breach, unlawful use, security risk or harm to the service or other users. Where proportionate and lawful, we give notice and an opportunity to resolve the issue first. Immediate action may be necessary for serious abuse or security threats.

Terms that by their nature should survive—such as ownership, accrued payment duties, required record retention, liability and dispute provisions—continue after termination.

We may update these Terms to reflect changes in the service, law or security requirements. We publish the updated date and provide advance or prominent notice when required. If a change requires your consent, we ask for it. Continuing to use the service after terms validly take effect constitutes acceptance, without limiting any right to cancel or delete your account.

These Terms are governed by Hungarian law. If you are a consumer, mandatory protections available in your country of habitual residence remain unaffected where applicable. Courts with jurisdiction under applicable law may hear disputes, and you may use any available consumer dispute-resolution route.

Questions, refund requests and legal notices can be sent to Falnyomtató Kft. at info@falnyomtato.com. Privacy-specific controls and rights are described in our Privacy Notice.