Terms of Service

Last updated: 2025-06-06

1. Introduction

Welcome to monuc (Money Under Control) (“we,” “us,” “our”). These Terms of Service (“Terms”) govern your access to and use of our budgeting application and related services (collectively, the “Service”). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not use the Service.

2. Definitions

• Service: The budgeting application and related features, including bank and credit card connection functionality.
• User: Any individual or entity that accesses or uses the Service.
• Content: All information, data, text, graphics, and other materials provided through the Service.
• Bank Data: Account and transaction information retrieved from banks or financial institutions through third-party integrations.

3. Account Registration & Obligations

• Eligibility: You must be at least 18 years old and capable of forming a binding contract.
• Accuracy: You agree to provide true, accurate, and complete information during registration.
• Security: You are responsible for maintaining the confidentiality of your account credentials. Notify us immediately of unauthorized use.

4. Use of the Service

• Permitted Use: Use the Service solely for personal budgeting and financial management purposes.
• Restrictions: You may not reverse engineer, modify, or attempt to access parts of the Service not intended for you.
• Third-Party Integrations: We integrate with banks and credit card providers (“Providers”). Use of these features requires compliance with Provider terms.

5. Payment & Billing

• Fees: Some features may require payment. Subscription plans, pricing, and billing intervals will be displayed in the Service.
• Payment Methods: We accept payments through authorized payment processors.
• Refunds: Refund policies, if any, will be detailed in your subscription agreement.
• Late Payment: Failure to pay may result in suspension or termination of your access.

6. Intellectual Property Rights

All intellectual property rights in the Service and its content are owned by monuc (Money Under Control) or its licensors. You are granted a limited, non-exclusive license to use the Service in accordance with these Terms.

7. User-Generated Content

You retain ownership of any content you submit. By submitting content, you grant us a non-exclusive, royalty-free license to use, display, and distribute it. We reserve the right to remove any content that violates these Terms.

8. Prohibited Conduct

You agree not to:

• Use the Service for fraudulent or illegal activities.
• Interfere with security features.
• Transmit spam or unsolicited communications.
• Access the Service in violation of any law.

9. Financial Advice Disclaimer & Risk Acknowledgment

The Service provides insights but does not constitute financial advice. You are solely responsible for any decisions made based on the Service. Past performance or historical data do not guarantee future results.

10. Third-Party Bank/API Integration Terms

• Authorization: You authorize us to connect to your bank and credit card accounts via third-party APIs.
• Provider Policies: You must comply with all applicable Provider terms, including privacy and security policies.
• Liability: We are not liable for errors or omissions in Bank Data provided by third-party Providers.

11. Data Accuracy & Transaction Errors Disclaimer

While we strive for accuracy, discrepancies may occur. You should verify transaction details directly with your financial institutions. We disclaim liability for any errors, delays, or omissions in data.

12. Termination & Suspension

We may suspend or terminate your access for violation of these Terms or if required by law. Upon termination, your right to use the Service ends immediately.

13. Disclaimers

The Service is provided “as is,” without warranties of any kind. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

14. Limitation of Liability

To the maximum extent permitted by law, monuc (Money Under Control) will not be liable for indirect, incidental, special, or consequential damages arising from your use of or inability to use the Service, even if advised of the possibility of such damages.

15. Indemnification

You agree to indemnify and hold harmless monuc (Money Under Control), its officers, directors, and employees from any claims arising out of your use of the Service or violation of these Terms.

16. Governing Law & Dispute Resolution

These Terms are governed by the laws of Sweden, without regard to conflict of law rules. Any disputes shall be resolved through binding arbitration in Stockholm, Sweden, or in the courts of competent jurisdiction in Stockholm, Sweden.

17. Changes to These Terms

We may modify these Terms at any time. We will update the Last updated date and notify you. Continued use after changes constitutes acceptance.

18. Contact Information

If you have questions about these Terms, contact us at:
Email: [email protected]

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