Last updated: July 12, 2026

These Terms of Service govern your use of Calma, an application operated by Wendel Da Cruz. By creating an account or using Calma, you agree to these terms. If you do not agree, please do not use the app.

For any questions, contact [email protected].

Who Can Use Calma

You must be at least 18 years of age to use Calma. By using the app, you confirm that you meet this requirement.

What Calma Is — and Is Not

Calma is a personal finance tracking tool. It helps you record and organize income, expenses, splits, and goals, on your own or with household members you invite.

Calma is not a financial advisor. Nothing in the app constitutes financial, investment, tax, or legal advice. The numbers, splits, insights, and suggestions shown in Calma are informational tools based on the data you enter. All financial decisions you make are your own responsibility. If you need financial advice, consult a qualified professional.

Calma does not hold, move, or manage your money. It is a tracking tool only.

Your Account

• You are responsible for keeping your login credentials secure and for all activity under your account.
• You agree to provide accurate information when creating your account.
• You may delete your account at any time through the app's settings.

Households and Sharing

If you invite another person to your household, they will be able to see the entries shared within that household, and you will be able to see theirs. You are responsible for choosing who you invite. Calma is not responsible for disputes between household members.

Acceptable Use

You agree not to:

• Use Calma for any unlawful purpose,
• Attempt to access other users' accounts or data,
• Interfere with, disrupt, or attempt to compromise the security or functioning of the app,