Educational estimates, not financial advice.

Use of the app

Whatifolio lets you enter a USD amount, choose an asset, pick a month and year, and view an estimate of what that investment could be worth today. You are responsible for how you interpret and use the results.

No financial advice

Results are estimates and may be incomplete, delayed, rounded, simplified, or based on available market data. Whatifolio does not provide financial, investment, tax, accounting, or legal advice. Past performance does not guarantee future results.

Paid access and whatifs

Whatifolio may offer optional in-app purchases:

• Consumable whatif packs. One standard calculation spends one whatif.
• Lifetime Unlimited, a one-time purchase that unlocks unlimited calculations.

Actual prices may vary by region, currency, taxes, store configuration, and promotional changes. The price shown by the App Store or Google Play at checkout is the source of truth.

Store billing and restore purchase

Purchases are charged by Apple App Store or Google Play. Whatif packs are consumable credits and Lifetime Unlimited is a non-renewing one-time purchase. Whatifolio does not currently offer recurring paid plans.

Refund requests, payment issues, tax handling, family sharing, and regional billing rules are handled by Apple App Store or Google Play according to their policies.

Sign-in with Apple or Google is optional. You can make in-app purchases without signing in. If you choose to sign in, Whatifolio can help keep purchases and whatifs associated with the same Whatifolio account across supported devices.

Welcome whatifs and standard access

New users may receive a limited number of welcome whatifs. Standard calculations spend one whatif each. Additional whatifs can be purchased in packs, and Lifetime Unlimited removes the need to spend whatifs on calculations. Whatifolio may use anonymous install, account, device, and network-based controls to reduce abuse.

Account deletion

If you create a Whatifolio account by signing in with Apple or Google, you can delete that account from inside the app. The deletion process and data-retention details are described in the Account deletion section of the Privacy Policy.

Billing records, receipts, refunds, transaction identifiers, and store-managed purchase history remain handled by Apple App Store, Google Play, and RevenueCat according to their policies and legal requirements.

Availability and data accuracy

Market data, backend availability, calculations, and purchase status syncing may occasionally be delayed, unavailable, or incorrect. We may change, suspend, or discontinue features, assets, prices, limits, or data sources at any time.

Acceptable use

You agree not to misuse the app, bypass limits, interfere with the backend service, reverse engineer protected functionality, or use Whatifolio for unlawful activity.

Limitation of liability

To the maximum extent allowed by law, Whatifolio is provided as-is and without warranties. We are not liable for investment decisions, trading losses, missed opportunities, data inaccuracies, service interruptions, or indirect damages related to use of the app.

Changes

We may update these Terms as the app changes. The latest version will be posted on this page with an updated effective date.