Last Updated: August 19, 2025
These Terms of Service ("Terms") govern your access to and use of the Moniva mobile application and services ("Service"). By accessing or using the Service, you agree to be bound by these Terms.
When you create an account with us, you must provide information that is accurate, complete, and current at all times. Failure to do so constitutes a breach of the Terms, which may result in immediate termination of your account on our Service.
You are responsible for safeguarding the password that you use to access the Service and for any activities or actions under your password. You agree not to disclose your password to any third party. Our Service provides features to view and manage active sessions across your devices. It is your responsibility to monitor these sessions and revoke access if you notice any suspicious activity.
Access to certain features of the Service is billed on a subscription basis ("Subscription(s)"). You will be billed in advance on a recurring and periodic basis (such as monthly or annually).
All billing and transaction processes are handled by the platform from which you downloaded the app (Apple App Store or Google Play Store) and are governed by their respective terms and conditions. We do not process or store your payment information. You must manage your subscription, including cancellations, directly through your App Store or Play Store account. Failure to maintain an active subscription may result in a loss of access to premium features.
Our Service includes an AI-powered assistant ("Moniva AI") to help you manage your finances using natural language. By using Moniva AI, you acknowledge and agree to the following:
Our Service allows you to input and manage your financial data, including but not limited to transactions, accounts, debts, projects, and notes ("Content"). You are solely responsible for the Content you provide, including its legality, reliability, and accuracy. You retain all of your rights to any Content you submit.
By using the Service, you grant Moniva a worldwide, non-exclusive, royalty-free license to use, store, reproduce, and process your Content solely for the purpose of operating, providing, and improving the Service. This includes using your data to provide you with analytics, generate AI responses, and maintain your account.
You agree not to use the Service:
The Service integrates with and relies on various third-party services to function. These include:
Your use of our Service is also subject to the terms and privacy policies of these third parties.
We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms.
You have the right to terminate your account at any time by using the "Delete Account" feature within the app. This action is permanent and irreversible. Upon confirmation, all of your Content and personal data will be permanently deleted from our systems in accordance with our data retention policies.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. Moniva provides no financial advice. The Service, including all analytics and AI-generated content, is for informational purposes only. You agree that your use of the Service is at your sole risk. We do not warrant that the results that may be obtained from the use of the Service will be accurate or reliable.
IN NO EVENT SHALL MONIVA, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any material changes by posting the new Terms on this page and updating the "Last Updated" date.
If you have any questions about these Terms, please contact us at: support@moniva.com