Terms of Use

Effective date and last updated: October 1, 2026

1. Agreement

The App and this website are operated by:

• BALS DIGITAL SRL, a Romanian limited liability company (societate cu răspundere limitată)
• Registered office: Oradea, Bihor County, Romania
• Trade Register no.: J5/16/2024
• Fiscal code (CUI): 49356591
• Email: [email protected]
• Website: balsdigital.com

By downloading, installing, accessing or using the App or this website, you accept these Terms and acknowledge our Privacy Policy. The App also asks you to confirm this by tapping “Agree and continue” when you first open it, and again after a material change to these Terms or the Privacy Policy. If you do not agree, you must not use the App and you should uninstall it.

2. Eligibility

You must be at least 16 years old, or older if the age of digital consent in your country is higher. If you are younger, you may use the App only with the permission of a parent or legal guardian, who accepts these Terms on your behalf and supervises your use. Purchases by minors are subject to the parental controls and rules of the app store. The App is not directed to children under 13, and they must not use it.

3. Licence

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to download and use the App on devices that you own or control, for your personal, non-commercial use, as permitted by the rules of the app store from which you obtained it. The App is licensed, not sold. All rights not expressly granted are reserved.

You must not:

1. copy, modify, translate, adapt or create derivative works of the App;
2. reverse engineer, decompile or disassemble the App, except to the extent that mandatory law expressly permits it;
3. circumvent, disable or interfere with the subscription checks, paywall, licence verification or security features;
4. use bots, scrapers or other automated means to access the App or extract its content;
5. rent, lease, sell, resell, sublicense, distribute or otherwise make the App available to third parties;
6. remove or alter any copyright, trademark or other proprietary notice; or
7. use the App for any unlawful purpose or in a way that infringes the rights of others.

4. An informational tool only — not financial advice

4.1 What the App does. The App lets you record figures that you enter yourself — such as holdings, debts, income, spending and goals — and runs calculations, projections and simulations on those figures and on assumptions that you choose or keep from the defaults. The App does not connect to any bank, broker, pension fund or other financial institution, does not fetch market prices, does not hold or move money and does not execute any transaction.

4.2 No advice or recommendation. Nothing in the App, on this website or in our communications is financial, investment, tax, accounting, legal, insurance or pension advice, or a recommendation, offer or solicitation to buy, sell or hold any financial instrument or product or to follow any investment strategy. Features such as the health score, “Your base”, “Where the next €100 should go”, the diversification and portfolio reviews, suggested target mixes, goals, the independence number and date and the pension bridge apply general, pre-defined rules to the data you enter. They are not personalised recommendations and do not take into account your full financial situation, objectives, risk tolerance, knowledge, experience or tax position.

4.3 Not a regulated firm. BALS DIGITAL SRL is not an investment firm, investment adviser, broker, bank, credit or payment institution, insurance or pension distributor, tax adviser or financial planner. It is not authorised, registered or supervised by the Romanian Financial Supervisory Authority (ASF — Autoritatea de Supraveghere Financiară), the National Bank of Romania (BNR — Banca Națională a României) or any other financial regulator, in Romania or elsewhere.

4.4 Projections are hypothetical. All projections, simulations, ranges, percentiles, probabilities, independence dates, goal timelines, tax estimates and other outputs are hypothetical illustrations. They depend entirely on the figures you enter and on assumptions — such as rates of return, volatility, inflation, interest rates, fees, exchange rates, tax rates and allowances, the safe withdrawal rate, contributions, spending and pension access ages — that may turn out to be wrong. Default values, region presets and the example profile are generic, illustrative values; they may be incomplete or out of date and are not tailored to you. The range of outcomes (“simulated markets”) is produced by a simplified statistical model; it is not a forecast and does not show every possible outcome. Real results will differ, possibly materially, and investments can lose value. Past performance and historical averages are not a reliable indicator of future results. No output is a promise or guarantee of any return, income, retirement date or other outcome.

4.5 Tax and pension figures. Tax and pension calculations are simplified estimates based on the rates and settings you enter. They do not reflect all the rules that apply to you, which differ between countries and change over time.

4.6 Your responsibility. You are solely responsible for the accuracy and completeness of the data and assumptions you enter, for checking any output independently and for every decision you make or do not make. Before making any financial, investment, tax, retirement or pension decision, consult a qualified and appropriately licensed professional.

4.7 Possible errors. We test the calculations carefully, but the App may contain errors, bugs or rounding differences, and we do not guarantee that any output is accurate, complete or suitable for a particular purpose (subject to section 11).

5. Enough Pro subscriptions

5.1 Free and Pro. The App can be used free of charge, without a time limit; the free version is not a trial. Some features are available only with Enough Pro. We may change which features are included in the free version or in Pro for the future (see section 10), but we will not remove a feature from a Pro period you have already paid for, unless this is required by law, by app store rules or for security reasons, in which case you keep the remedies that consumer law gives you.

5.2 Plans and price. Enough Pro is offered as auto-renewable subscriptions (currently monthly and yearly). The name, duration, price (in your local currency, including applicable taxes) and what is included are shown in the App and by the app store before you confirm the purchase. Payment is charged to your Apple ID or Google Play account when you confirm.

5.3 Sold and billed by the stores. Purchases are made through the Apple App Store or Google Play and are processed and billed by Apple or Google under their own terms. We never receive your card or billing details.

5.4 Automatic renewal. A subscription renews automatically for the same duration and at the then-current price unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for the renewal within the 24 hours before the end of the current period.

5.5 Managing and cancelling. You can manage or cancel a subscription at any time in your store account settings: Apple App Store or Google Play. Cancellation takes effect at the end of the current period, and Pro remains available until then. Deleting the App does not cancel a subscription. There are no partial refunds for an unused part of a period, except where the law or the store’s policy provides otherwise.

5.6 Trials and offers. The App does not currently offer free trials. If we offer a free trial or an introductory price in the future, its terms will be shown before you accept it, and any unused part of a free trial is forfeited when you purchase a subscription.

5.7 Price changes. We may change subscription prices for future periods. The app store will inform you in advance and, where its rules require, ask for your consent. A price change never affects a period you have already paid for.

5.8 Refunds. Refunds are handled by Apple or Google under their own policies (Apple, Google Play); we cannot issue them directly.

5.9 Subscription status. The App checks your subscription status with our subscription provider, RevenueCat, when a connection is available, and may rely on a status saved on your device while you are offline. If Pro ends, the data you entered is not deleted: the Pro features stop being available, and the features of the free version, including backup and restore, keep working.

5.10 EU right of withdrawal. If you are a consumer in the European Union, you normally have 14 days to withdraw from a contract for digital content. By purchasing Enough Pro and starting to use it immediately, you expressly request immediate performance and acknowledge that you lose your right of withdrawal once performance has begun (Article 16 letter m) of Romanian Government Emergency Ordinance no. 34/2014 and Article 16(m) of Directive 2011/83/EU). This is without prejudice to the refund policies of Apple and Google and to your other rights under mandatory law.

6. Your data and backups

• No account. The App does not require or offer an account and does not ask for your name, email address or phone number.
• Your data stays yours. The financial data you enter remains yours. It is stored only on your device and we do not receive it (see the Privacy Policy). If you choose to send us information, for example when you ask for support, we use it only to handle your request.
• Backups are your responsibility. There is no sync between devices and no backup made by us. Uninstalling the App, resetting, losing or changing your device, using “Delete all data”, restoring a backup or loading the example profile (both of which replace the data currently in the App) can permanently delete your data. We cannot recover it. Export a backup regularly and keep it somewhere safe.
• Backup and export files are not encrypted. They contain all the figures you entered. You are responsible for where you save or share them.
• The app lock is not encryption. It restricts access to the App’s screens using your device’s biometric check or passcode. It does not protect the data from someone who has access to your unlocked device or its files. You are responsible for securing your device, for example with a passcode and system updates.
• Other people’s data. Do not enter information about other people, for example family members, unless you are entitled to do so.

7. Acceptable use

You agree not to:

1. use the App or its outputs to provide financial, investment, tax or similar advice or services to others, or present its outputs as professional advice or as endorsed by us;
2. interfere with or disrupt the App, the app stores or our service providers;
3. make fraudulent purchases or abuse refund or restore mechanisms; or
4. use the App in breach of any applicable law.

8. Third-party services

The App relies on services provided by third parties: the Apple App Store and Google Play (distribution and payment), RevenueCat (subscription management) and features of your device’s operating system (such as Face ID, fingerprint unlock, notifications, the share sheet and any file or cloud storage service where you choose to save a backup). These services are governed by their own terms and privacy policies, and we are not responsible for their availability, content or practices. Your mobile operator’s data charges may apply.

9. Intellectual property and feedback

The App, this website and all their content — including software, calculations, text, design, graphics, logos and the “Enough” name — belong to BALS DIGITAL SRL or its licensors and are protected by intellectual property laws. These Terms give you no rights in them other than the licence in section 3. If you send us feedback or suggestions, we may use them freely, without any obligation or compensation to you.

10. Availability, updates and changes to the App

We may modify, update, suspend or discontinue the App, the website or any feature, temporarily or permanently, for example to improve them or to comply with the law or app store rules. Some updates may be required to keep using the App. We do not guarantee that the App will be uninterrupted, error-free or compatible with every device or operating system version. If we discontinue the App or Enough Pro, we will give reasonable notice where possible and handle active subscriptions in accordance with app store rules and the law. Nothing in this section affects our obligations under mandatory consumer law, including to supply the updates needed to keep the App in conformity.

11. Disclaimer of warranties

To the maximum extent permitted by applicable law, the App and the website are provided “as is” and “as available”, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. In particular, we do not warrant that the outputs of the App will be accurate or will match real outcomes, that the App will meet your requirements, or that data will never be lost.

Nothing in these Terms excludes or limits rights you have as a consumer under mandatory law, including the legal guarantee of conformity for digital content and digital services (Directive (EU) 2019/770, implemented in Romania by Government Emergency Ordinance no. 141/2021).

12. Limitation of liability

To the maximum extent permitted by applicable law:

1. we are not liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for any loss of profits, revenue, savings, investment value, opportunity, data or goodwill, or for any tax, penalty or charge you incur;
2. we are not liable for any decision you make or action you take or do not take on the basis of the App’s content or outputs, for losses caused by inaccurate data or assumptions you entered, or for data loss caused by uninstalling the App, resetting or losing your device or not keeping a backup;
3. we are not liable for the acts or omissions of third-party services described in section 8; and
4. our total aggregate liability arising out of or in connection with the App, the website or these Terms is limited to the greater of (a) the amounts you paid for Enough Pro in the 12 months before the event giving rise to the claim, or (b) EUR 50.

Nothing in these Terms limits or excludes our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, for damage caused intentionally or through gross negligence (Article 1355 of the Romanian Civil Code), or for any other liability that cannot be limited or excluded under applicable law.

13. Indemnity

To the extent permitted by applicable law, you agree to indemnify BALS DIGITAL SRL against claims, damages and reasonable costs brought by third parties that arise from your breach of these Terms, your misuse of the App or your violation of any law or third-party right.

14. Termination

You may stop using the App at any time by uninstalling it; remember to cancel any subscription in your store account settings. We may suspend or terminate your licence with immediate effect if you materially breach these Terms, for example by circumventing the subscription checks. When your licence ends you must stop using the App and delete it. Sections 4, 6, 9, 11, 12, 13, 16 and 18 survive termination.

15. Changes to these Terms

We may update these Terms. The date at the top shows the current version. We will notify material changes in the App or on this website reasonably in advance where possible. Changes do not apply retroactively. If you continue to use the App after the effective date of the updated Terms, you accept them; if you do not agree, you must stop using the App and cancel any subscription.

16. Governing law and disputes

These Terms are governed by Romanian law. Disputes will be settled by the competent courts of Oradea, Bihor County, Romania. If you are a consumer, this choice does not deprive you of the protection of the mandatory provisions of the law of the country where you habitually reside, or of your right to bring proceedings in the courts of that country.

Before going to court, please contact us at [email protected] so that we can try to resolve the matter amicably. Consumers may also contact the Romanian National Authority for Consumer Protection (ANPC, anpc.ro) or use alternative dispute resolution (SAL, anpc.ro/ce-este-sal).

17. Apple App Store and Google Play

If you obtained the App from the Apple App Store, the following also applies:

• These Terms are concluded between you and BALS DIGITAL SRL only, not with Apple Inc. (“Apple”). We, not Apple, are solely responsible for the App and its content.
• Your licence is limited to using the App on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• Apple has no obligation to provide any maintenance or support services for the App.
• If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, paid for the App. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
• We, not Apple, are responsible for addressing any claims by you or any third party relating to the App or your possession and use of it, including product liability claims, claims that the App fails to conform to any legal or regulatory requirement, claims under consumer protection or similar legislation, and claims that the App infringes a third party’s intellectual property rights.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with any applicable third-party terms when using the App, such as your wireless data service agreement.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, once you accept them, Apple has the right to enforce them against you as a third-party beneficiary.

Where these Terms are silent, Apple’s Licensed Application End User License Agreement applies.

If you obtained the App from Google Play, the Google Play Terms of Service also apply to the download and to purchases made through Google Play.

18. Miscellaneous

• Severability. If any provision of these Terms is found invalid or unenforceable, it will be replaced by the valid provision closest to its purpose, and the remaining provisions stay in full force.
• No waiver. Our failure to enforce a provision is not a waiver of our right to do so later.
• Assignment. We may transfer our rights and obligations under these Terms in connection with a merger, acquisition or sale of all or part of our business, provided your rights as a consumer are not reduced. You may not transfer your rights or obligations.
• Entire agreement. These Terms and the Privacy Policy form the entire agreement between you and us regarding the App, together with the app store terms that apply to your purchases.
• Force majeure. We are not responsible for any failure or delay caused by events beyond our reasonable control.

19. Contact

For any question about these Terms, contact:

• BALS DIGITAL SRL, a Romanian limited liability company (societate cu răspundere limitată)
• Registered office: Oradea, Bihor County, Romania
• Trade Register no.: J5/16/2024
• Fiscal code (CUI): 49356591
• Email: [email protected]
• Website: balsdigital.com