Last updated 2026. By creating a Watni account you agree to these terms.
Watni helps you set financial goals, proposes a plan with suggested monthly contributions, and tracks the actions you complete. Every plan stays proposed until you explicitly approve it.
Watni does not move money, initiate transfers or payments, or open accounts for you. Connected accounts are read-only. When your plan says "transfer $200 by the 15th", you make that transfer yourself and mark it done.
Watni is an informational planning tool, not a registered investment adviser, broker-dealer, tax adviser, or bank. Projections — including college cost estimates, inflation, and growth assumptions — are estimates, not guarantees. Consider talking to a licensed professional before making big decisions.
You're responsible for keeping your login secure and for the accuracy of the information you give us. You must be at least 18 years old to use Watni.
Don't misuse the service: no attempts to break, probe, or overload the app, no scraping, and no using someone else's financial accounts without permission.
You can pause, edit, or cancel your plan, or delete your account, at any time in Settings. We may update these terms; if we make a material change, we'll let you know in the app. We may suspend accounts that violate these terms.
Watni is provided "as is". To the extent permitted by law, we aren't liable for financial losses resulting from decisions you make using the app.
Questions? Email support@watni.ai.
See also our Privacy Policy.