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TERMS OF SERVICE

1. Introduction

Welcome to Monelyze Inc. (“Company”, “we”, “our”, “us”)! As you have just clicked our Terms of Service, please pause, grab a cup of coffee and carefully read the following pages. It will take you approximately 20 minutes.

These Terms of Service (“Terms”, “Terms of Service”) govern your use of our mobile applications operated by Monelyze Inc.

Our Privacy Policy also governs your use of our Service and explains how we collect, safeguard and disclose information that results from your use of our web pages. Please read it here https://monelyze.app/en/privacy/.

Your agreement with us includes these Terms and our Privacy Policy (“Agreements”). You acknowledge that you have read and understood Agreements, and agree to be bound of them.

If you do not agree with (or cannot comply with) Agreements, then you may not use the Service, but please let us know by emailing at info(at.mark)monelyze.app *Please replace (at.mark) with @ so we can try to find a solution. These Terms apply to all visitors, users and others who wish to access or use Service.

Thank you for being responsible.

2. Communications

2.1 Service-related notices

We may send you transactional or operational messages that are strictly necessary for the provision or security of the Service (for example, password-reset emails, legal updates, or changes to core features). You cannot opt out of these notices while you maintain an account.

2.2 Marketing communications

We will only send you newsletters or other marketing materials if you have given us your explicit consent (opt-in). We rarely send such messages, but may do so to announce major new features or limited promotions.

You may withdraw consent at any time via the “unsubscribe” link in each email or by emailing info(at.mark)monelyze.app.

3. Purchases (In-App Purchases Only)

All products and services offered in the App are sold exclusively through the Apple App Store or Google Play Store (collectively, the “App Stores”) using each store’s in-app-purchase system.
Monelyze Inc. does not receive, collect, process, or store any credit-card or other payment information. All such data is handled directly by the relevant App Store in accordance with its own Terms of Service and Privacy Policy.

3.1 Payment Authorisation

When you confirm a Purchase on an App Store, you authorise that App Store to charge the payment method linked to your store account for the displayed price (including any applicable taxes). Your payment relationship is with the App Store, not with Monelyze Inc.

3.2 Order Acceptance & Cancellation

The App Stores are responsible for validating and fulfilling your order. Monelyze Inc. reserves the right—acting through the mechanisms provided by the App Stores—to request that an order be cancelled or refunded in cases such as (i) obvious pricing or description errors, (ii) service unavailability, or (iii) suspected fraud or other unlawful activity.

3.3 Refunds

Refund requests must be submitted via the App Store from which you purchased the item. Eligibility and refund amounts are determined solely by that store’s refund policy. Please see Section 8 (“Refunds”) for details and store-specific links.

3.4 Taxes

Prices displayed in the App are set in the local currency selected by the App Store and may include applicable taxes. The App Stores may adjust pricing or tax calculations in accordance with local regulations.

3.5 No Alternative Payment Channels

You acknowledge and agree that purchases cannot be made directly through Monelyze Inc. or via any payment method outside the App Stores’ authorised in-app-purchase systems.

4. Contests, Sweepstakes and Promotions

Any contests, sweepstakes or other promotions (collectively, “Promotions”) made available through Service may be governed by rules that are separate from these Terms of Service. If you participate in any Promotions, please review the applicable rules as well as our Privacy Policy. If the rules for a Promotion conflict with these Terms of Service, Promotion rules will apply.

5. Subscriptions (In-App Purchases)

All Subscription plans for the Service are offered exclusively through the Apple App Store or Google Play Store (collectively, the “App Stores”) using in-app purchases. The App Stores act as the merchant of record and are solely responsible for processing and collecting payments.

5.1 Billing & Renewal

Your Subscription fee will be charged to the payment method you have registered with the relevant App Store.
Unless you turn off auto-renewal at least 24 hours before the end of the current billing period, your Subscription will automatically renew under the same terms.
You can manage or cancel the Subscription at any time in your App Store account settings.
Monelyze Inc. does not receive, store, or have access to your credit-card information.

5.2 Pricing & Taxes

Prices displayed in the App are set in each App Store’s local currency and may include applicable taxes. The App Stores may update pricing from time to time in accordance with their policies.

5.3 Failure to Pay

If the App Store is unable to collect the Subscription fee (e.g., insufficient funds), access to the paid features may be suspended until the payment issue is resolved through your App Store account.

6. Free Trial

The App Stores may, at their discretion, offer a free trial period (“Free Trial”). The length and availability of any Free Trial are shown on the App Store purchase screen.

Activation: A valid payment method registered with the App Store may be required to start a Free Trial.
Conversion to Paid Plan: Unless you cancel at least 24 hours before the end of the Free Trial, the Subscription will automatically convert to a paid plan and the App Store will charge you the applicable fee.
Cancellation: You can cancel the Free Trial at any time via your App Store subscription settings.
Monelyze Inc. reserves the right to modify or discontinue any Free Trial offer in accordance with the App Stores’ rules.

7. Fee Changes

Monelyze Inc., in its sole discretion and at any time, may modify Subscription fees for the Subscriptions. Any Subscription fee change will become effective at the end of the then-current Billing Cycle.

Monelyze Inc. will provide you with a reasonable prior notice of any change in Subscription fees to give you an opportunity to terminate your Subscription before such change becomes effective.

Your continued use of Service after Subscription fee change comes into effect constitutes your agreement to pay the modified Subscription fee amount.

8. Refunds

8.1 App Store / Google Play Purchases

All payments for the Service are processed exclusively through the Apple App Store or Google Play Store (collectively, the “App Stores”).
We do not receive, collect, or store any payment information, and we cannot issue refunds directly.
If you wish to request a refund, please follow the refund procedure provided by the App Store from which you purchased the Subscription:

Apple App Store: https://support.apple.com/HT204084
Google Play Store: https://support.google.com/googleplay/answer/2479637

Your eligibility for a refund and the amount refunded (if any) are determined solely by the applicable App Store’s refund policy.

8.2 Statutory Withdrawal or Cooling-Off Rights

Nothing in these Terms limits any mandatory statutory rights you may have.
For example, consumers resident in the European Union / European Economic Area may have a 14-day withdrawal right for digital content that has not yet been fully delivered or consumed. You can exercise such rights via the relevant App Store interface.

8.3 Subscriptions Cancellation

You may cancel your Subscription at any time through the subscription-management settings of the App Store used for purchase.
Cancel-ling a Subscription stops future charges but does not automatically entitle you to a refund for the current billing period, unless required under Section 8.2 or the App Store’s refund policy.

9. Content

Our Service allows you to post, link, store, share and otherwise make available certain information, text, graphics, videos, or other material (“Content”). You are responsible for Content that you post on or through Service, including its legality, reliability, and appropriateness.

By posting Content on or through Service, You represent and warrant that: (i) Content is yours (you own it) and/or you have the right to use it and the right to grant us the rights and license as provided in these Terms, and (ii) that the posting of your Content on or through Service does not violate the privacy rights, publicity rights, copyrights, contract rights or any other rights of any person or entity. We reserve the right to terminate the account of anyone found to be infringing on a copyright.

You retain any and all of your rights to any Content you submit, post or display on or through Service and you are responsible for protecting those rights. We take no responsibility and assume no liability for Content you or any third party posts on or through Service. However, by posting Content using Service you grant us the right and license to use, modify, publicly perform, publicly display, reproduce, and distribute such Content on and through Service. You agree that this license includes the right for us to make your Content available to other users of Service, who may also use your Content subject to these Terms.

Monelyze Inc. has the right but not the obligation to monitor and edit all Content provided by users.

In addition, Content found on or through this Service are the property of Monelyze Inc. or used with permission. You may not distribute, modify, transmit, reuse, download, repost, copy, or use said Content, whether in whole or in part, for commercial purposes or for personal gain, without express advance written permission from us.

10. Prohibited Uses

You may use Service only for lawful purposes and in accordance with Terms. You agree not to use Service:

(a) In any way that violates any applicable national or international law or regulation.

(b) For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content or otherwise.

(c) To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter,” “spam,” or any other similar solicitation.

(d) To impersonate or attempt to impersonate Company, a Company employee, another user, or any other person or entity.

(e) In any way that infringes upon the rights of others, or in any way is illegal, threatening, fraudulent, or harmful, or in connection with any unlawful, illegal, fraudulent, or harmful purpose or activity.

(f) To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of Service, or which, as determined by us, may harm or offend Company or users of Service or expose them to liability.

Additionally, you agree not to:

(a) Use Service in any manner that could disable, overburden, damage, or impair Service or interfere with any other party’s use of Service, including their ability to engage in real time activities through Service.

(b) Use any robot, spider, or other automatic device, process, or means to access Service for any purpose, including monitoring or copying any of the material on Service.

(c) Use any manual process to monitor or copy any of the material on Service or for any other unauthorized purpose without our prior written consent.

(d) Use any device, software, or routine that interferes with the proper working of Service.

(e) Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.

(f) Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of Service, the server on which Service is stored, or any server, computer, or database connected to Service.

(g) Attack Service via a denial-of-service attack or a distributed denial-of-service attack.

(h) Take any action that may damage or falsify Company rating.

(i) Otherwise attempt to interfere with the proper working of Service.

11. Analytics

We may use third-party Service Providers to monitor and analyze the use of our Service.

Google Analytics Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualise and personalise the ads of its own advertising network.

For more information on the privacy practices of Google, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

We also encourage you to review the Google's policy for safeguarding your data: https://support.google.com/analytics/answer/6004245.

Firebase Firebase is analytics service provided by Google Inc.

You may opt-out of certain Firebase features through your mobile device settings, such as your device advertising settings or by following the instructions provided by Google in their Privacy Policy: https://policies.google.com/privacy?hl=en

For more information on what type of information Firebase collects, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

12. No Use By Minors

Service is intended only for access and use by individuals at least eighteen (18) years old. By accessing or using any of Company, you warrant and represent that you are at least eighteen (18) years of age and with the full authority, right, and capacity to enter into this agreement and abide by all of the terms and conditions of Terms. If you are not at least eighteen (18) years old, you are prohibited from both the access and usage of Service.

13. Accounts

When you create an account with us, you guarantee that you are above the age of 18, and that the information you provide us is accurate, complete, and current at all times. Inaccurate, incomplete, or obsolete information may result in the immediate termination of your account on Service.

You are responsible for maintaining the confidentiality of your account and password, including but not limited to the restriction of access to your computer and/or account. You agree to accept responsibility for any and all activities or actions that occur under your account and/or password, whether your password is with our Service or a third-party service. You must notify us immediately upon becoming aware of any breach of security or unauthorized use of your account.

You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than you, without appropriate authorization. You may not use as a username any name that is offensive, vulgar or obscene.

We reserve the right to refuse service, terminate accounts, remove or edit content, or cancel orders in our sole discretion.

14. Intellectual Property

Service and its original content (excluding Content provided by users), features and functionality are and will remain the exclusive property of Monelyze Inc. and its licensors. Service is protected by copyright, trademark, and other laws of foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Monelyze Inc.

15. Error Reporting and Feedback

You may provide us either directly at info(at.mark)monelyze.app *Please replace (at.mark) with @ or via third party sites and tools with information and feedback concerning errors, suggestions for improvements, ideas, problems, complaints, and other matters related to our Service (“Feedback”). You acknowledge and agree that: (i) you shall not retain, acquire or assert any intellectual property right or other right, title or interest in or to the Feedback; (ii) Company may have development ideas similar to the Feedback; (iii) Feedback does not contain confidential information or proprietary information from you or any third party; and (iv) Company is not under any obligation of confidentiality with respect to the Feedback. In the event the transfer of the ownership to the Feedback is not possible due to applicable mandatory laws, you grant Company and its affiliates an exclusive, transferable, irrevocable, free-of-charge, sub-licensable, unlimited and perpetual right to use (including copy, modify, create derivative works, publish, distribute and commercialize) Feedback in any manner and for any purpose.

The third party sites and tools mentioned above include the following:

Firebase Crashlytics Firebase Crashlytics is bug reporting service provided by Google Inc.

For more information on what type of information Firebase collects, please visit the Google Privacy Terms web page: https://policies.google.com/privacy?hl=en

16. Links To Other Web Sites

Our Service may contain links to third party web sites or services that are not owned or controlled by Monelyze Inc.

Monelyze Inc. has no control over, and assumes no responsibility for the content, privacy policies, or practices of any third party web sites or services. We do not warrant the offerings of any of these entities/individuals or their websites.

YOU ACKNOWLEDGE AND AGREE THAT MONELYZE INC. SHALL NOT BE RESPONSIBLE OR LIABLE, DIRECTLY OR INDIRECTLY, FOR ANY DAMAGE OR LOSS CAUSED OR ALLEGED TO BE CAUSED BY OR IN CONNECTION WITH USE OF OR RELIANCE ON ANY SUCH CONTENT, GOODS OR SERVICES AVAILABLE ON OR THROUGH ANY SUCH THIRD PARTY WEB SITES OR SERVICES.

WE STRONGLY ADVISE YOU TO READ THE TERMS OF SERVICE AND PRIVACY POLICIES OF ANY THIRD PARTY WEB SITES OR SERVICES THAT YOU VISIT.

17. Disclaimer Of Warranty

These services are provided by the Company on an “as is” and “as available” basis.
The Company makes no representations or warranties of any kind, express or implied, regarding the operation of the Services or the information, content, or materials included therein. You expressly agree that your use of the Services is at your sole risk.

Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Services. Without limiting the foregoing, neither the Company nor anyone associated with the Company represents or warrants that the Services, their content, or any services or items obtained through the Services will be accurate, reliable, error-free, or uninterrupted; that defects will be corrected; that the Services or the servers that make them available are free of viruses or other harmful components; or that the Services or any services or items obtained through the Services will otherwise meet your needs or expectations.

To the fullest extent permitted by law, the Company disclaims all warranties of any kind, whether express or implied, statutory or otherwise, including but not limited to warranties of merchantability, non-infringement, and fitness for a particular purpose. Nothing in these Terms affects any warranties that cannot be excluded or limited under applicable law.

18. Limitation of Liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, or for the Company’s gross negligence or wilful misconduct.

To the maximum extent permitted by law, if liability is found on the part of the Company, it will be limited to the total Subscription fees attributable to your account that were actually received by the Company (via the relevant App Store) during the twelve (12) months immediately preceding the event giving rise to the claim.

Except as prohibited by law, you agree to hold the Company and its officers, directors, employees, and agents harmless for any indirect, punitive, special, incidental, or consequential damage, however it arises (including attorneys’ fees and all related costs and expenses of litigation or arbitration, whether at trial or on appeal), whether in an action of contract, negligence, or other tortious action, or arising out of or in connection with these Terms. This includes, without limitation, any claim for personal injury or property damage arising from your use of the Service or any violation by you of any applicable laws, statutes, rules, or regulations, even if the Company has been advised of the possibility of such damage.

Some jurisdictions do not allow the exclusion or limitation of punitive, incidental, or consequential damages, so the foregoing limitation or exclusion may not apply to you.

19. Termination

We may terminate or suspend your account and bar access to Service immediately, without prior notice or liability, under our sole discretion, for any reason whatsoever and without limitation, including but not limited to a breach of Terms.

If you wish to terminate your account, you may simply discontinue using Service.

All provisions of Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity and limitations of liability.

20. Governing Law

These Terms shall be governed and construed in accordance with the laws of Japan without regard to its conflict of law provisions. This choice of law does not deprive consumers of any mandatory protections afforded to them under the laws of their habitual residence.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding Service.

21. Changes To Service

We reserve the right to withdraw or amend our Service, and any service or material we provide via Service, in our sole discretion without notice. We will not be liable if for any reason all or any part of Service is unavailable at any time or for any period. From time to time, we may restrict access to some parts of Service, or the entire Service, to users, including registered users.

22. Amendments To Terms

We may amend these Terms at any time by posting the amended version on this site.

For material changes that may adversely affect your rights or obligations, we will post the amended Terms together with a summary of key changes at least 30 days before the effective date via an in-app notice or a banner on our website. If you do not agree to the revised Terms, you may terminate your account or Subscription without penalty before the effective date.

Your continued use of the Platform following the posting of revised Terms means that you accept and agree to the changes. You are expected to check this page frequently so you are aware of any changes, as they are binding on you.

By continuing to access or use our Service after any revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, you are no longer authorized to use Service.

23. Waiver And Severability

No waiver by Company of any term or condition set forth in Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of Company to assert a right or provision under Terms shall not constitute a waiver of such right or provision.

If any provision of Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of Terms will continue in full force and effect.

24. Acknowledgement

BY USING SERVICE OR OTHER SERVICES PROVIDED BY US, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE AND AGREE TO BE BOUND BY THEM.

25. Contact Us

Please send your feedback, comments, requests for technical support: By email: info(at.mark)monelyze.app *Please replace (at.mark) with @. By visiting this page on our website: https://monelyze.app/en/contact/

Effective Date: December 22, 2021
Last Updated: May 27, 2025