Terms of Service
Welcome to MoneyDiary ('Service', 'Platform'), operated by MoneyDiary Inc. ('we', 'us', 'our'). By accessing or using our website, mobile applications, or any associated services, you agree to be bound by these Terms of Service ('Terms'). If you do not agree to these Terms, you must not access or use the Service.
1. Acceptance of Terms
By registering for, accessing, or using MoneyDiary, you confirm that you are at least 18 years old and have the legal capacity to enter into binding contracts. If you are using the Service on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms.
2. Use of Service & Restrictions
MoneyDiary grants you a limited, non-exclusive, non-transferable, and revocable license to use the Service for your personal, non-commercial financial tracking and planning. You agree NOT to: (a) Use the Service for any illegal purpose or in violation of any local, state, national, or international law; (b) Reverse engineer, decompile, disassemble, or attempt to discover the source code of the Service; (c) Use any automated system, including 'robots,' 'spiders,' or 'offline readers,' to access the Service; (d) Attempt to interfere with or compromise the system integrity or security; (e) Collect or harvest any personally identifiable information from the Service.
3. User Data & Content
You retain full ownership of the data, files, and information that you submit or sync to MoneyDiary ('User Data'). By using the Service, you grant us a worldwide, royalty-free license to use, host, store, reproduce, modify, and create derivative works (such as aggregated usage statistics) of your User Data solely for the purpose of providing, maintaining, and improving the Service. We assert no ownership rights over your personal financial data.
4. Intellectual Property Rights
The Service, including its original content, features, functionality, design, algorithms, and software, is and will remain the exclusive property of MoneyDiary Inc. and its licensors. The Service is protected by copyright, trademark, and other laws of the United States and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of MoneyDiary Inc.
5. Subscription, Billing, and Cancellations
Premium Subscriptions: Certain features require a paid subscription. Fees are billed in advance on a monthly or annual basis. Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. Refunds: Payments are non-refundable except where required by law. Price Changes: We reserve the right to modify subscription fees with reasonable prior notice.
6. Third-Party Services & Financial Data
MoneyDiary may integrate with third-party providers (e.g., Plaid, Yodlee) to access your financial data. We do not control these third parties and are not responsible for their performance. You acknowledge that your use of such third-party services is governed by their respective terms and privacy policies. Account information displayed in MoneyDiary is retrieved from these third-party sources 'as-is' and may not reflect real-time bank data.
7. FINANCIAL DISCLAIMER
MONEYDIARY IS NOT A FINANCIAL ADVISOR, BANK, OR TAX ADVISOR. The Service is provided for informational and management purposes only. Insights, forecasts, and AI-generated suggestions are based on algorithmic analysis and should not be construed as professional financial advice. You are solely responsible for your financial decisions. MoneyDiary makes no representations or warranties regarding the accuracy, completeness, or suitability of the information for your specific circumstances.
8. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL MONEYDIARY INC., ITS AFFILIATES, OFFICERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (A) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE; (B) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICE; OR (C) UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT. IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID US, IF ANY, IN THE PAST TWELVE MONTHS.
9. Indemnification
You agree to defend, indemnify, and hold harmless MoneyDiary Inc. and its licensee and licensors, and their employees, contractors, agents, officers, and directors, from and against any and all claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms, or c) Content posted on the Service.
10. Termination
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the Service will immediately cease. You may terminate your account at any time by discontinuing use of the Service or contacting support to delete your data.
11. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
12. Changes to Terms
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will try to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms.
13. Contact
Questions about the Terms of Service should be sent to us at [email protected].
14. Regional Legal Terms
North America (USA/Canada): For users in the United States and Canada: You agree that any dispute shall be resolved by binding arbitration on an individual basis (statutory or otherwise). Class Action Waiver: YOU AND MONEYDIARY INC. AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. Residents of California have specific privacy rights under the CCPA.
Europe (EEA/UK/Switzerland): For users in the EEA, UK, and Switzerland: These terms are subject to the General Data Protection Regulation (GDPR) and applicable consumer protection laws. Nothing in these Terms limits your statutory rights as a consumer that cannot be waived by contract. You retain the right of withdrawal within 14 days of subscription. The Data Controller is MoneyDiary Inc. Disputes may be submitted via the European Commission's Online Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr.
Australia: For users in Australia: Our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. For major failures with the service, you are entitled: to cancel your service contract with us; and to a refund for the unused portion, or to compensation for its reduced value. You are also entitled to choose a refund or replacement for major failures with goods.
Middle East (GCC): For users in the UAE, Saudi Arabia, and GCC countries: We process personal data in accordance with applicable laws, including the UAE Personal Data Protection Law (PDPL) and Saudi Arabia's Personal Data Protection Law (PDPL). By using the Service, you consent to the processing of your data in accordance with these regulations. Disputes may be subject to the jurisdiction of the courts in your country of residence where mandatory local law applies.
Asia (South/Southeast): For users in India, Singapore, and Southeast Asia: We operate in compliance with local regulations including the Information Technology Act 2000 (India) and the Personal Data Protection Act 2012 (Singapore). Financial data is processed with strict adherence to data sovereignty and localization requirements where legally mandated.