Terms of Service

1. Acceptance and eligibility

You must be at least 18 and have capacity to enter this agreement. If you act for an organization, you must have authority to bind it. Accepting these Terms does not constitute consent to optional analytics, AI data sharing or device permissions; those choices are separate.

2. Using the service

You may use MoneyDiary to manage financial records you are authorized to access. Keep account credentials secure and provide accurate information. Do not misuse another person’s data, upload unlawful content, commit fraud, or interfere with the security or operation of the service. Restrictions do not remove rights that applicable law gives you.

3. Your data and the limited processing permission

You retain ownership of your data. You authorize us and our service providers to host, copy, transmit, format and otherwise technically process it only as necessary to provide the features you request, maintain their security, and meet legal obligations. This permission ends when processing is no longer necessary, subject to the retention described in the Privacy Policy.

This permission does not authorize training general-purpose AI models on identifiable financial data. Optional AI processing, account-specific personalization and usage analytics are described separately in the Privacy Policy. Anonymized statistics must not identify you; identifiable data is not made anonymous merely by removing your name.

4. Service content

MoneyDiary software, branding and original service content belong to their respective rights holders. These Terms grant access to the service, not ownership of that software or branding. Your financial records remain yours.

5. Purchases, renewal and cancellation

Before purchase, the checkout or store purchase sheet displays the product, currency, price, billing interval, applicable taxes, and any trial or introductory offer. Recurring subscriptions renew for the displayed interval until canceled. One-time AI credit packs are separate purchases and do not themselves create a subscription. Do not assume a trial is included unless the purchase screen offers one.

If checkout offers you a seven-day trial, you must authorize a payment method or an App Store or Google Play subscription before the trial starts. The selected paid plan renews automatically at the price and billing interval shown before authorization unless you cancel by the provider’s deadline. Temporary access to premium add-on features ends with the trial; add-ons are not automatically purchased and require a separate purchase to keep using them. If your trial ends without a paid subscription, your data remains and your account returns to basic access.

For web purchases processed by Stripe, open Settings → Subscription and use Manage Billing to review invoices, renewal dates and cancellation options. For Apple purchases, manage the subscription in your Apple account’s Subscriptions settings. For Google Play purchases, use Payments & subscriptions → Subscriptions in Google Play. Use the provider shown on your purchase receipt even when you use MoneyDiary on another device. Contact support if you cannot access the cancellation controls.

Cancel before the renewal deadline shown by your billing provider. Apple trial or introductory offers may require cancellation at least 24 hours before they end. Any trial conversion price and date are shown before purchase. Deleting the app or your MoneyDiary account does not cancel a subscription with a billing provider; cancel with that provider before deleting your account.

For cancellation scheduled at the end of a paid period, paid access continues until the displayed expiry date, then paid features become unavailable. Some add-on cancellation controls take effect immediately; check the confirmation before proceeding. Cancel recurring add-ons separately. Export information you need before paid access ends.

Price changes apply prospectively. We will notify affected subscribers before a changed renewal price takes effect, with time to cancel, and obtain agreement where required. The billing provider may send its own notice. Refund and withdrawal rights required by your local consumer law remain available. Contact support for Stripe purchases; request Apple or Google purchase refunds through that store. A store policy does not remove mandatory consumer rights. We do not promise an automatic refund simply because you cancel.

6. Service providers

Hosting, email delivery, subscription billing, optional analytics and AI services may process information to provide MoneyDiary. The Privacy Policy explains the data and purposes. Bank connection availability depends on the feature actually offered; these Terms do not represent that Plaid or Yodlee is connected. A provider’s own terms may also govern services you choose to use. This does not exclude our responsibilities under applicable law.

7. Financial information and AI

MoneyDiary is not a bank, broker, fiduciary, investment advisor or tax advisor. Balances and calculations are records based on input, imports and available market information, and may be incomplete or out of date. Check AI output and calculations before relying on them. Seek qualified advice for financial, tax or legal decisions.

8. Service availability and liability

We work to maintain the service but cannot guarantee uninterrupted availability or error-free information. To the extent permitted by applicable law, we are not responsible for indirect losses that were not reasonably foreseeable. Nothing in these Terms excludes liability for fraud, deliberate misconduct, or any liability, remedy or consumer guarantee that cannot lawfully be limited. Your mandatory statutory rights take priority.

9. Responsibility for misuse

You are responsible for unlawful misuse of your account that is attributable to you. Any recovery of losses must be permitted by applicable law and proportionate to the harm caused. You are not required to indemnify us for our own wrongdoing or waive mandatory consumer protections.

10. Suspension and termination

We may immediately restrict access where reasonably necessary to address serious fraud, a security threat, unlawful activity or a binding legal requirement. We will explain the reason and scope unless doing so is prohibited or would compromise security or an investigation.

For other material breaches, we will give reasonable notice, describe the issue and provide a reasonable opportunity to remedy it before termination. For a service closure or termination unrelated to serious misconduct, we will give advance notice and a reasonable opportunity to export data. Where access must be restricted, contact support for a lawful and secure export where possible.

If we end a prepaid service for reasons not attributable to your breach, we will arrange a proportionate refund for the unused period, subject to the applicable billing provider’s process and your statutory rights. Termination does not remove any refund rights required by law. You can request account deletion through Settings or our privacy contact; the Privacy Policy explains retention and deletion limits.

11. Complaints, disputes and consumer protections

Contact support with the issue and the remedy you seek so we can try to resolve it. This voluntary contact step does not prevent you from bringing a claim, seeking urgent relief or contacting a regulator.

These Terms do not impose binding arbitration or a class-action waiver. Disputes may be brought before courts with jurisdiction under applicable law, including your local courts where mandatory consumer law gives you that right. Applicable choice-of-law rules determine the governing law; no blanket Delaware-law provision overrides the protections of your country of residence.

12. Changes to these Terms

We will give advance notice of material changes by an appropriate account or email notice and explain when they take effect. Changes needed urgently for security or legal reasons may take effect sooner, with an explanation where permitted. Changes do not retrospectively remove accrued rights. Where renewed agreement is required, we will request it separately.

13. Contact

For account support, billing questions, complaints and legal correspondence, contact [email protected]. For personal-data requests, contact [email protected]. Contact links are provided below.

14. Availability and local rights

Language, currency or country options are product settings and do not represent a legal assessment or authorization to launch in that jurisdiction. Availability is subject to applicable restrictions. These Terms do not certify compliance with every country’s privacy or financial-services rules. Mandatory local consumer and privacy protections apply where legally required and are not waived by accepting these Terms.