Terms of Service

1. Acceptance of Terms

Welcome to Monivo! These Terms of Service ("Terms") govern your use of the Monivo personal finance management application and services (the "Service") operated by Monivo Inc. ("us", "we", or "our").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

2. Description of Service

Monivo is a personal finance management application that helps users track expenses, manage budgets, and gain insights into their financial habits. Our Service includes:

• • Budget creation and management tools
• • Expense and income tracking
• • Financial reporting and analytics
• • Goal setting and progress monitoring
• • Data export and import capabilities

3. User Accounts

Account Creation

To use certain features of our Service, you must create an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.

Account Security

You are responsible for safeguarding the password and for all activities that occur under your account. You agree to immediately notify us of any unauthorized use of your account or any other breach of security.

Account Termination

We may terminate or suspend your account immediately, without prior notice or liability, if you breach these Terms.

4. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You agree not to:

• • Use the Service for any illegal or unauthorized purpose
• • Violate any applicable laws or regulations
• • Transmit any harmful, offensive, or objectionable content
• • Interfere with or disrupt the Service or servers
• • Attempt to gain unauthorized access to any part of the Service
• • Use automated scripts or bots to access the Service
• • Reverse engineer or attempt to extract source code

5. User Content

Your Content

You retain ownership of all content, data, and information you provide to the Service ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, and process your User Content solely to provide the Service.

Content Responsibility

You are solely responsible for your User Content and the consequences of posting or publishing it. You represent and warrant that you own or have the necessary rights to use and authorize us to use your User Content.

6. Financial Information Disclaimer

Monivo is a financial management tool and not a financial advisor. The Service provides information and tools to help you manage your finances, but:

• • We do not provide financial, investment, or tax advice
• • All financial decisions are your sole responsibility
• • You should consult qualified professionals for financial advice
• • We are not responsible for any financial losses or damages

7. Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your information when you use the Service. By using the Service, you agree to the collection and use of information in accordance with our Privacy Policy.

8. Intellectual Property

Our Rights

The Service and its original content, features, and functionality are and will remain the exclusive property of Monivo Inc. and its licensors. The Service is protected by copyright, trademark, and other laws.

Limited License

We grant you a limited, non-exclusive, non-transferable license to access and use the Service for your personal, non-commercial use, subject to these Terms.

9. Service Availability

We strive to maintain high availability of our Service, but we do not guarantee that the Service will be available at all times. The Service may be temporarily unavailable due to:

• • Scheduled maintenance
• • Technical difficulties
• • Internet connectivity issues
• • Force majeure events

10. Limitation of Liability

To the fullest extent permitted by law, Monivo Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

11. Disclaimer of Warranties

The Service is provided "as is" and "as available" without any warranties of any kind, either express or implied. We do not warrant that the Service will be uninterrupted, secure, or error-free.

12. Indemnification

You agree to defend, indemnify, and hold harmless Monivo Inc. and its affiliates from and against any claims, damages, obligations, losses, liabilities, costs, or debt arising from your use of the Service or violation of these Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts in New York.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. Your continued use of the Service after such modifications constitute acceptance of the new Terms.

15. Severability

If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall remain in full force and effect.

16. Contact Information

If you have any questions about these Terms, please contact us: