Monaime

Terms of Service

Last updated: July 5, 2026

These Terms of Service (“Terms”) govern your use of the Monaime app and related services (“Monaime”, the “Service”). By downloading or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. The Service

Monaime is a personal finance assistant that helps you record and understand your money through natural conversation, voice and receipt scanning. Monaime is a tool for your own record-keeping; it is not a bank, payment provider, tax advisor or licensed financial advisor, and it does not move real money.

2. Your account

You sign in with Apple. You are responsible for maintaining the security of your device and account, and for all activity that occurs under it. You must be at least 13 years old (or the minimum age required in your country) to use the Service.

3. Your content

You retain ownership of the financial data, text, voice and images you provide. You grant us a limited licence to process that content solely to operate and provide the Service to you, as described in our Privacy Policy. You are responsible for the accuracy of the information you enter.

4. Subscriptions and payments

Monaime offers an optional auto-renewing subscription, Monaime Pro, on a weekly or yearly basis. The price is shown in the app before purchase.

• Payment is charged to your Apple ID at confirmation of purchase.
• Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Your Apple ID is charged for renewal within 24 hours of the period end.
• You can manage or cancel your subscription in your Apple ID settings after purchase.
• Refunds are handled by Apple in accordance with the App Store terms.

5. Acceptable use

You agree not to misuse the Service, including by attempting to disrupt it, reverse engineer it, access it by unauthorized means, or use it for any unlawful purpose.

6. AI-generated results

Monaime uses automated and AI systems to interpret your input. These systems can make mistakes. You are responsible for reviewing records before relying on them, and Monaime is not a substitute for professional financial, tax or legal advice.

7. Disclaimers

The Service is provided “as is” and “as available”, without warranties of any kind to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free, or that any calculation or insight is accurate.

8. Limitation of liability

To the maximum extent permitted by law, Monaime will not be liable for any indirect, incidental, or consequential damages, or for any loss arising from your use of, or inability to use, the Service.

9. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate access if these Terms are violated or if required for security or legal reasons.

10. Changes

We may update these Terms from time to time. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.

11. Contact

Questions about these Terms? Contact us at tarasenko.by@icloud.com.

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