Terms of Service

1. Eligibility

You must be at least 13 years old to use the App or the Site (or 16 in jurisdictions where a higher minimum age applies under applicable law, such as certain EEA countries). By using the App or the Site, you confirm that you meet this age requirement.

2. The Service

The App is a personal budgeting and debt-payoff planning tool. The App does not connect to, access, or view your real bank accounts, credit cards, or financial institutions — all financial data is entered manually by you.

The Free plan includes: 1 account, 7 expense categories plus 1 income category, 1 active savings goal, and unlimited transactions. The Pro plan removes these limits and adds Loan Navigator, PIN & Face ID protection, and Family Sharing (as account owner).

3. Subscriptions, Billing, and Cancellation

Pro is offered on a Monthly or Yearly subscription:

Monthly plan: 7-day free trial for new subscribers, then $9.99/month. Yearly plan: $49.99/year, billed immediately (no trial). Subscriptions automatically renew unless canceled at least 24 hours before the end of the current period.

The availability and duration of any free trial is managed through the App Store and may change or be discontinued at our discretion.

Subscription Management and Refunds

All subscriptions within the App are processed, billed, and managed exclusively through the Apple App Store. By purchasing a subscription, you enter into a transaction directly with Apple, and the purchase is subject to the Apple Media Services Terms and Conditions.

We do not have the technical or legal ability to cancel, manage, or refund any subscription on your behalf. To cancel your subscription or manage your billing settings, you must do so directly through your Apple ID account settings.

• General policy: Except as expressly provided by applicable law or Apple's platform policies, all purchases are final and non-refundable.
• EU / EEA and UK consumers (right of withdrawal): If you are located in the European Union, European Economic Area, or the United Kingdom, you have a statutory right to withdraw from your subscription purchase within 14 days without giving any reason (the "cooling-off period"). Because your subscription is managed by Apple, you must exercise this right directly with Apple. You can request a withdrawal and refund by visiting Apple's "Report a Problem" portal (reportaproblem.apple.com). Refunds for EU/EEA/UK consumers are processed in accordance with Apple's official refund policies.

4. Family Sharing

Family Sharing lets an account owner share one budget with up to 5 people. Only the account owner needs a Pro subscription to start Family Sharing — invited members can join and use it at no cost.

If the account owner's Pro subscription ends, the shared budget is closed for everyone in it, including all invited members. Invited members should be aware that continued access to a shared budget depends on the account owner maintaining an active Pro subscription.

5. Acceptable Use

You agree not to:

• Use the App or the Site for any unlawful purpose or in violation of these Terms.
• Attempt to reverse engineer, decompile, or otherwise access the source code of the App, except as permitted by applicable law.
• Interfere with or disrupt the operation of the App or the Site, or attempt to gain unauthorized access to our systems.
• Use the App or the Site to store or transmit information that infringes on the rights of others.
• Financial fraud and financial crime: Use the App to log, track, or process funds, assets, or transactions derived from illegal activities, including but not limited to money laundering, terrorist financing, tax evasion, or in violation of US OFAC, EU, or UN sanctions and export control laws.
• Automated access and scraping: Use any robot, spider, scraper, or other automated means to access the App, bypass our API rate limits, extract financial data, or monitor the App's performance and availability for competitive analysis.
• Account sharing and security compromise: Share your login credentials with third parties, or allow unauthorized individuals to access your account or any budget shared with you through Family Sharing.
• Credential abuse and exploit: Create multiple accounts to abuse promotional offers, referral programs, or free trial periods (multi-accounting), or manipulate transactional data to exploit the App's budgeting mechanics.
• Impersonation and false reporting: Input intentionally false, fabricated, or misleading financial data, or misrepresent your ownership or authority over the accounts, cards, or assets you log in the App.

In the event of a suspected violation of this Section 5, we may temporarily suspend or permanently terminate your access to the App. Except in cases of severe fraud, illegal activity, compliance with law enforcement requests, or imminent risk to our infrastructure, we will provide you with prior notice and an explanation of the reasons for such action, allowing you a reasonable opportunity to appeal the decision.

6. Not Financial Advice

Your Money provides financial planning tools for informational purposes and does not constitute financial advice. The App does not provide licensed financial, investment, tax, or legal advice, and is not a substitute for consultation with a qualified financial advisor. Any example, calculation, or projection shown in the App or on the Site (including examples used by Loan Navigator) is based on the inputs provided and general assumptions — actual results will vary, and are not guaranteed.

7. Intellectual Property

The App, the Site, and all associated content, trademarks, and branding (including the name "Your Money" and the "Loan Navigator" feature name) are owned by us or our licensors. You may not copy, modify, distribute, or create derivative works based on the App or the Site without our prior written permission, except as permitted by applicable law.

8. Disclaimers and Limitation of Liability

8.1. General Terms (Applicable Globally Except as Modified by Section 8.3)

The App and the Site are provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to fitness for a particular purpose or non-infringement. To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, or profits, arising out of or related to your use of the App or the Site.

8.2. Maximum Cap

In no event shall our total aggregate liability for all claims arising out of or related to the App or the Site exceed the total amount paid by you to us for the specific service or subscription giving rise to the liability during the twelve (12) months preceding the event, or fifty US dollars ($50), whichever is greater.

8.3. Provisions for EU / EEA and Polish Consumers

If you are a consumer residing in the European Union, European Economic Area, or specifically the Republic of Poland, the limitations and exclusions of liability in Sections 8.1 and 8.2 apply only to the maximum extent permitted by mandatory consumer protection laws (including the Polish Civil Code and the Polish Consumer Rights Act). Specifically:

• No exclusion for intentional fault: Nothing in these Terms limits or excludes our liability for damage caused by our willful misconduct (wina umyślna), fraud, gross negligence, or for personal injury or death caused by our negligence.
• Statutory rights: Your statutory consumer rights regarding digital services conformity, warranties, and mandatory remedies under applicable local consumer laws remain unaffected and are not waived by these Terms.

Nothing in these Terms limits any right you may have under applicable law that cannot be lawfully excluded or limited, including certain consumer protection rights in the EU/EEA.

9. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will make reasonable efforts to notify you (for example, via an in-app notice). Continued use of the App or the Site after changes take effect constitutes acceptance of the updated Terms.

10. Termination

You may stop using the App or the Site at any time. You can delete your account and all associated data directly within the App via the settings menu. We may suspend or terminate your access if you violate these Terms.

11. Governing Law and Jurisdiction

These Terms and your use of the App and the Site shall be governed by and construed in accordance with the laws of Poland, without regard to its conflict of law principles.

• For EU residents: You also benefit from any mandatory consumer protection provisions of the law of the country in which you reside. Disputes may be brought before the competent courts of Poland or the courts of your country of habitual residence.
• For US residents: To the extent permitted by applicable law, any disputes arising out of these Terms shall be resolved exclusively in the competent courts of Poland.

12. Contact Us

If you have any questions about these Terms, please contact us at hello.appdesk@gmail.com.