Terms of Use

1. Scope and definitions

These Terms govern your use of SsumSsum (Korean name 씀씀이, the "app"), provided by MODUMWORKS ("we", "us").

• "App" — the SsumSsum application (com.modumworks.wallet) distributed through the App Store and Google Play.
• "You" — the person who downloads and uses the app.
• "Pro" — the in-app products that unlock paid features.
• "Store" — Apple's App Store and Google Play.

By downloading and using the app you agree to these Terms.

2. Effect and amendment

These Terms take effect when published on this page and in the app under Settings → About.

We may amend them within the limits of applicable law. We will announce any amendment at least 7 days before it takes effect — 30 days where it is to your disadvantage. If you do not accept an amendment you may stop using the app and delete it.

3. What the service is

The app is a tool for recording what you spend and showing it back to you on calendar, comparison, and statistics screens.

• There is no account. We do not ask for your name or contact details.
• Your records are stored on your device. We operate no server that stores them.
• Free — recording, editing and deleting entries; calendar, comparison and statistics; search; budget; reminders; the home-screen widget; export and import to a file.
• Pro — no ads, custom categories, and automatic cloud sync.

The figures the app produces are calculations of what you entered. They are not tax, accounting, or investment advice, and we are not responsible for decisions you make on the basis of them.

4. Paid products and auto-renewal

Two paid products are offered. Payment is processed by the store; we hold no payment details.

Prices vary by country and over time. What you are actually charged is what the store shows immediately before payment; the app displays the local price the store gave it. Price changes are notified in advance under store policy, and for subscriptions a price increase does not take effect unless you agree to it.

Owning either product unlocks Pro. We do not push the subscription to anyone who already bought the one-time product.

If you switch from the subscription to the one-time product, the store cannot credit the subscription period you have already paid for. We suggest switching after the remaining period ends.

5. Restoring purchases

If you change device or reinstall, tap "Already bought it" on the purchase screen to restore what the same store account owns.

• You must be signed in with the account used for the purchase.
• A purchase received through Family Sharing restores only while Family Sharing is enabled.
• We keep no purchase database of our own; restoring relies entirely on the store's records.

6. Cancelling a subscription

Cancellation happens in the store, not in the app. We cannot cancel your subscription on your behalf.

After cancelling you are not charged again, and Pro stays active until the period you already paid for ends. When it ends the Pro features close, but the categories you created and everything you recorded stay.

7. Refunds and withdrawal

Because the store takes the payment, the store handles refunds. We have no ability to reverse a store payment.

Under Korea's Act on Consumer Protection in Electronic Commerce you may withdraw a purchase within 7 days. Withdrawal may be limited where the value of the goods has materially decreased — for example where the Pro features have already been used.

Consumer protection law in your own country may give you further rights, and those apply where they are mandatory.

If you believe a refund was refused without good reason, write to contact@modumworks.com and we will look into it with you.

8. Your obligations

You may not:

• decompile, disassemble, or attempt to extract the source of the app, except where law expressly permits it;
• circumvent payment to obtain paid features, or build and distribute tools that do;
• interfere with the operation of the app or of the store;
• infringe our or anyone else's intellectual property; or
• break any applicable law.

If you cause loss to us or to anyone else by breaching this section, you are responsible for it.

9. Licence and intellectual property

We grant you a non-exclusive, non-transferable licence to use the app for personal, non-commercial purposes, subject to the store's own terms.

• Rights in the app's software, design, wording, icons, and marks belong to us.
• What you record is yours. We claim no rights over it and do not hold it on any server.
• Open-source components are governed by their own licences. The list and full texts are in the app under Settings → About → Licences.

10. Responsibility for your data

• Keep anything important safe with Backup & restore → Export to file.
• Pro lets you turn on automatic sync. The backup then lives in your own Google Drive or iCloud, which we cannot reach.
• The availability, capacity, and retention of that cloud storage are governed by Apple's or Google's terms. We are not responsible for loss caused by an outage of those services.

11. Advertising

We may show ads to users on the free tier. No ads are shown while you hold a Pro product.

We are not responsible for the content of ads or for any dealing between you and an advertiser. How advertising relates to your personal information is set out in Privacy Policy §8.

12. Changes to and discontinuation of the service

We may change what the service does, or suspend it in whole or in part where operationally or technically necessary. We will give notice on this page or in the app beforehand.

Even if the service ends, your records remain on your device and can be exported to a file. If you hold a paid product we will explain what happens to any remaining period under store policy.

13. Limitation of liability

To the fullest extent the law allows, we are not liable for:

• loss caused by events outside our control — natural disaster, network failure, or an outage of a store or cloud service;
• loss of records caused by your device being lost, broken, reset, or the app deleted;
• outcomes arising from inaccurate information you entered; or
• financial decisions you make on the basis of figures the app shows.

We remain liable for our own wilful misconduct or gross negligence, and nothing here limits rights that consumer law gives you and does not allow to be excluded.

14. Minors

The service is not directed at children under 14.

Where a minor has purchased without the consent of a legal guardian, the guardian may cancel the purchase through the store that processed it (§7).

15. Governing law and disputes

These Terms are governed by the law of the Republic of Korea. We will try in good faith to resolve any dispute with you; failing that, either party may bring proceedings in the court having jurisdiction under Korean civil procedure law.

Where you use the app outside Korea, mandatory consumer protection law of your own country prevails to the extent it applies. Purchases made through the App Store are additionally subject to Apple's Media Services Terms and Conditions; purchases through Google Play to Google Play's Terms of Service.

16. Contact

These Terms take effect on August 29, 2026.