Terms of Service

Last updated: October 8, 2025

1. Acceptance of Terms. By using Moneyra or accessing any content on moneyra.app, you agree to be bound by these Terms of Service. If you do not agree, do not use the app or website.
2. Nature of the Service (Offline-first). Moneyra is an offline-first personal finance app. Your financial data (transactions, budgets, notes) is stored on your device. We do not run backend servers for your financial content, and we do not require account registration or login.
3. License. We grant you a personal, non-exclusive, non-transferable, revocable license to use Moneyra solely in accordance with these Terms and applicable store rules (App Store / Google Play). Any violation may terminate this license automatically.
4. Permitted & Prohibited Use. You may use Moneyra for personal or business budgeting in compliance with law. You must not: (a) reverse engineer, decompile, modify, or create derivative works; (b) circumvent security or license mechanisms; (c) use Moneyra in any unlawful way; (d) infringe third-party rights; (e) upload or distribute harmful code.
5. Ownership. Moneyra (including software, UI, logos, and documentation) is owned by its respective rights holders. No rights are transferred except as expressly stated in these Terms.
6. Backups & Third-Party Services. You may optionally enable backups via iCloud (on iOS/macOS) or Google Drive (on Android). Those services are governed by their own terms and privacy policies. We do not control or access your cloud backups.
7. Communications. If you voluntarily join a waitlist, subscribe to updates, or contact support, you consent to receiving service messages. You can unsubscribe from non-essential emails at any time via the link in the email or by contacting us.
8. No Warranties. Moneyra is provided “as is” and “as available.” We make no warranties of any kind, express or implied, including fitness for a particular purpose, merchantability, accuracy, or non-infringement. We do not warrant that the app will be error-free or uninterrupted.
9. Limitation of Liability. To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of data, revenue, or profits, arising out of or related to your use of Moneyra. Where liability cannot be excluded, it is limited to the amount you paid (if any) for the app or service giving rise to the claim.
10. Indemnification. You agree to indemnify and hold harmless Moneyra and its affiliates from any claims, damages, liabilities, costs, and expenses arising from your misuse of the app or violation of these Terms.
11. Termination. We may suspend or terminate your license at any time if you breach these Terms. Upon termination, you must cease all use of Moneyra and delete all copies in your possession or control.
12. Changes to the Terms. We may update these Terms from time to time (for example, to reflect app changes or legal requirements). Continued use of Moneyra after changes become effective constitutes acceptance of the updated Terms.
13. Governing Law. These Terms apply to the extent permitted by applicable law. Where local consumer laws require certain protections, nothing in these Terms limits those rights.
14. Contact. Questions about these Terms? Contact us at: jonypopovv@gmail.com.