Terms of Service

1. Overview

Monie allows users to track income and expenses, visualize financial habits, and engage with AI-powered chat for insights and recommendations.

2. Eligibility

You must be at least 13 years old to use the Service.

3. Account Registration

• Provide accurate, complete registration details.
• Keep your login credentials secure.
• Report unauthorized access immediately.

4. User Responsibilities

• Do not use the Service for unlawful or fraudulent purposes.
• Do not post harmful, misleading, or offensive content.
• Do not disrupt or abuse the platform or infrastructure.

5. Financial Data

You are responsible for the financial data you input. The app helps visualize and organize this data, but it does not provide professional financial advice.

6. AI Chat and Insights

The AI chat is for guidance only. It may use your data to generate suggestions but cannot replace human experts for legal, financial, or tax decisions.

7. Intellectual Property

All app content, software, and branding (excluding your input data) are owned by Monie and protected by law.

8. Termination

We may suspend or terminate your account for violations of these Terms or misuse of the Service, with or without notice.

9. Disclaimer of Warranties

The Service is provided “as is.” We do not guarantee uninterrupted operation or the accuracy of financial suggestions or charts.

10. Limitation of Liability

Monie is not liable for any indirect, incidental, or consequential damages resulting from use of the Service.

11. Changes to Terms

We may update these Terms at any time. Continued use of the Service after changes means you agree to the updated Terms.

12. Contact

For questions or concerns about these Terms, email us at inbox@mail.colinadore.tech.