By downloading, installing, or using the Monivo mobile application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the App.
These Terms constitute an agreement solely between you and Anna Piekarz ("Developer", "we", "our"). Apple Inc. and Google LLC are not parties to this agreement and bear no responsibility for the App or its content.
Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, solely for your personal, non-commercial purposes.
You may not:
The App offers an optional premium subscription ("Monivo Premium") that unlocks additional features. The following terms apply to all purchases:
Subscription management and purchase validation are handled in part by RevenueCat (Revenue Cat, Inc.), a third-party service used to verify and manage your subscription status. RevenueCat receives your purchase receipt and anonymous subscription data solely for this purpose. RevenueCat's Terms of Service are available at https://www.revenuecat.com/terms.
All personal financial information you enter in the App (expenses, savings goals, budgets, reminders, and settings) is stored locally on your device and is never transmitted to or accessed by the Developer. You are solely responsible for maintaining backups of your data.
For details on how the App and its third-party services handle data, please review our Privacy Policy.
The App is a personal budgeting tool for informational purposes only. Nothing in the App constitutes financial, investment, tax, or legal advice. You should consult a qualified professional before making any financial decisions.
The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any content within the App.
To the extent permitted by applicable law, Apple Inc. makes no warranties with respect to the App whatsoever.
To the fullest extent permitted by applicable law, the Developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, or business interruption, arising out of or in connection with your use of the App.
The Developer's total liability to you for any claims arising from these Terms or your use of the App shall not exceed the greater of (a) the amounts you paid for the App in the twelve months preceding the claim, or (b) USD $10.
Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including statutory rights of consumers under Polish law and applicable EU consumer protection directives.
The App, including its design, code, graphics, and content, is owned by Anna Piekarz and protected by copyright and other intellectual property laws. These Terms do not grant you any rights to our trademarks or service marks.
In the event of any third-party claim that the App or your possession and use of the App infringes a third party's intellectual property rights, the Developer, not Apple or Google, will be solely responsible for the investigation, defence, settlement, and discharge of any such claim.
The Developer, not Apple or Google, is responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App, including but not limited to product liability claims and claims that the App fails to conform to any applicable legal or regulatory requirement.
These Terms are effective until terminated. Your rights under these Terms will terminate automatically without notice if you fail to comply with any of their provisions.
We reserve the right to suspend or terminate your access to the App at any time for violations of these Terms. Upon termination, you must cease all use of the App and delete all copies from your devices.
We may update these Terms from time to time. We will notify you of significant changes by updating the "Last updated" date at the top of this document. Continued use of the App after changes constitutes your acceptance of the updated Terms.
These Terms are governed by the laws of Poland, without regard to its conflict of law provisions. Any disputes arising from these Terms or the App shall be subject to the exclusive jurisdiction of the courts of Poland.
If you are a consumer located in the European Union, you may also use the EU Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr. This does not affect your statutory rights as a consumer under applicable EU law.
If you downloaded the App from the Apple App Store, the following additional terms apply:
If you have any questions about these Terms, please contact:
Anna Piekarz
monivo.contact@gmail.com