Terms of Service

Last updated: August 9, 2026

1. Acceptance of Terms

By downloading, installing, or using Monva ("the App", operated by "we", "us", or "Monva"), you agree to these Terms of Service ("Terms"). If you do not agree, please do not use the App.

2. The Service

Monva is a personal finance tracking application that lets you record transactions, manage budgets and accounts, and view spending insights. The App works fully offline; cloud sync and AI features are optional. We may add, change, or remove features over time.

3. Eligibility

You must be at least 13 years old to use the App — or older, if your country sets a higher minimum age of digital consent (for example, up to 16 in parts of the EU). If you are under the age of majority in your country, you may use the App only with the involvement and consent of a parent or legal guardian. If you use the App on behalf of an organization, you represent that you are authorized to accept these Terms for it.

4. Subscriptions & Billing

  • Monva is free to start. Some features require a premium subscription, offered as an in-app purchase.
  • Subscriptions are billed through the Apple App Store or Google Play and are managed via RevenueCat. Payment is charged to your store account at confirmation of purchase.
  • Subscriptions renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel your subscription in your App Store / Google Play account settings.
  • Any free trial automatically converts to a paid subscription unless cancelled before it ends.
  • Refunds are handled by the respective app store under their policies.

5. Your Data & Privacy

Monva is offline-first: your financial data is stored on your device, and you own it. We do not sell your data and do not claim ownership of the content you create. Cloud sync is optional and only uploads your data when you turn it on. Our handling of personal data is described in our Privacy Policy, which forms part of these Terms.

6. AI Features

Some optional features use artificial intelligence — for example voice entry, receipt/screenshot parsing, and the Vaulty companion. To provide these, scoped data (such as the text or image you submit, or short summaries of your data) is sent to a third-party AI provider (Google Gemini) for processing; your full transaction history is not sent. AI features may require sign-in and a premium subscription. AI output can be inaccurate or incomplete, is provided for convenience only, does not constitute advice, and should be reviewed by you before you rely on it.

7. Your Responsibilities

  • You are responsible for the accuracy of the data you enter and for keeping your device and account secure.
  • You agree to use the App only for lawful purposes and not to misuse, disrupt, reverse-engineer, or attempt to gain unauthorized access to our services.
  • You are responsible for backing up your data. Exporting to CSV is available at any time from Settings.

8. Not Financial Advice

Monva is a tool for tracking and organizing your own financial information. It does not provide financial, investment, tax, or legal advice. Any decisions you make based on information in the App are your sole responsibility.

9. Intellectual Property & License

The App, including its software, design, branding, and content we provide, is owned by Monva and protected by law. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the App for your own personal use, subject to these Terms and the applicable app store's usage rules. You retain all rights to the financial data and content you create.

10. Third-Party Services

The App relies on third-party services, including the Apple App Store and Google Play (distribution & billing), RevenueCat (subscription management), Appwrite (optional cloud sync backend), Brevo (transactional email), Google Gemini (AI processing), and Sentry (crash/error diagnostics). Your use of the App may be subject to those providers' terms, and we are not responsible for third-party services.

11. Disclaimer of Warranties

The App is provided "as is" and "as available", without warranties of any kind, whether express or implied, including fitness for a particular purpose. We do not warrant that the App will be uninterrupted, error-free, or that data will never be lost.

12. Limitation of Liability

To the maximum extent permitted by law, Monva and its operator shall not be liable for any indirect, incidental, or consequential damages, or for any loss of data or profits, arising from your use of (or inability to use) the App. Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable mandatory law, including your statutory rights as a consumer.

13. Termination

You may stop using the App at any time and delete your account from Settings. We may suspend or terminate access if these Terms are violated. You can remove all local data by uninstalling the App; deleting your account additionally erases your cloud data.

14. Apple App Store (Licensed Application EULA)

If you obtained the App from the Apple App Store, the following additional terms apply and prevail over any conflicting terms above to the extent of the conflict:

  • These Terms are concluded between you and Monva only, and not with Apple. Apple is not responsible for the App or its content.
  • Your license to use the App is a non-transferable license to use it on any Apple-branded device that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms.
  • Maintenance and support are provided solely by Monva; Apple has no obligation to furnish any support services.
  • Warranty: to the extent any warranty is not effectively disclaimed, Monva is solely responsible. If the App fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); Apple has no other warranty obligation.
  • Claims: Monva, not Apple, is responsible for addressing any claims relating to the App, including product liability, legal or regulatory non-compliance, consumer protection, and claims that the App infringes third-party intellectual-property rights.
  • Legal compliance: you represent that you are not located in a country subject to a U.S. Government embargo or designated as "terrorist-supporting", and that you are not listed on any U.S. Government prohibited or restricted parties list.
  • You must comply with any applicable third-party terms when using the App.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce these Terms against you.

15. Changes to These Terms

We may update these Terms from time to time. Material changes will be posted on this page with an updated revision date. Continued use of the App after changes take effect constitutes acceptance.

16. Governing Law

These Terms are governed by the laws of Ukraine, without regard to conflict-of-law principles. If you are a consumer, this does not deprive you of the protection of the mandatory provisions of the law of your country of residence.

17. General

If any provision of these Terms is held unenforceable, the remaining provisions stay in effect. These Terms (together with the Privacy Policy) are the entire agreement between you and Monva regarding the App. Our failure to enforce any right is not a waiver of it. You may not assign these Terms; we may assign them to a successor (for example, in connection with a merger or acquisition).

Contact

Questions about these Terms? Contact Monva at support at monva.app.