Terms of Service

These Terms of Service (the “Terms”) set forth the conditions for using the applications and websites provided by Monelyze Inc. (Kabushiki Kaisha Monelyze, the “Company,” “we,” “us,” or “our”), including services for iOS, iPadOS, macOS, Android, and other platforms (collectively, the “Service”).

These Terms are intended to apply to users who are located outside Japan. Users who are located in Japan are subject to the Japanese version of the Terms of Service. If any mandatory law of your country or region applies and conflicts with these Terms, that mandatory law will prevail to the extent required by law.

By using the Service, you are deemed to have agreed to these Terms. If you do not agree to these Terms, you may not use the Service.

These Terms will take effect on June 8, 2026. Until the effective date, the previous terms, if any, will continue to apply.

1. Scope

These Terms apply to all relationships between you and the Company concerning the use of the Service.

If the Company separately provides individual terms, guidelines, notices, help pages, support pages, or other rules for a particular app, website, feature, or campaign, those rules form part of these Terms. If there is any conflict between those individual rules and these Terms, the individual rules will prevail.

2. The Service

The Service includes apps, websites, landing pages, inquiry forms, support pages, and other related services provided by the Company.

The content, features, supported operating systems, supported devices, available regions, prices, and usage conditions of the Service may differ depending on the app, platform, version, country or region, and your usage environment.

The Company may change, add, modify, remove, suspend, discontinue, or terminate all or part of the Service without prior notice to you, except where notice is required by applicable law.

3. User Environment, Accounts, and Minors

You are responsible, at your own cost, for preparing and managing the devices, operating systems, internet connection, Apple Account, Google Account, iCloud, Google Play, App Store, and any other environment necessary to use the Service.

The Company does not guarantee that the Service will operate properly on all devices, operating systems, settings, communication environments, account conditions, or third-party service conditions.

The Service may become unavailable in whole or in part due to changes, defects, limitations, suspensions, outages, or other circumstances involving operating systems, app stores, cloud services, devices, communication environments, or third-party services.

If you are a minor under the laws of your country or region, you must use the Service with the consent of your parent or legal guardian. The same applies when a minor purchases paid features.

4. In-App Data Storage, Sync, and Backups

Data that you create or enter within an app provided as part of the Service (“In-App Data”) is stored on your device, in iCloud, through storage or synchronization features provided by each operating system or platform, or in another environment used by you.

Except when you voluntarily send In-App Data to the Company for support or other purposes, the Company does not store In-App Data on servers managed by the Company. Therefore, the Company cannot view, restore, delete, migrate, correct, or otherwise handle In-App Data that the Company has not received.

You are responsible for managing your In-App Data. In-App Data may be lost, corrupted, not synchronized, or not restorable due to reasons such as deletion of the app, device failure, loss or replacement of a device, defects or specification changes in an operating system, iCloud or other settings, delay or failure of synchronization, account changes, your operations, third-party service failures, or other circumstances.

You should back up, export, and verify the storage status of important data at your own responsibility as necessary.

5. Paid Features and In-App Purchases

Some parts of the Service may include paid features, subscriptions, non-consumable one-time purchases, or other in-app purchases.

The details, price, billing period, availability of free trials, renewal conditions, scope of provision, supported apps, supported platforms, and other conditions of paid features may differ depending on the app, store, country or region, timing, campaign, or other circumstances.

Payments, billing, renewals, cancellations, refunds, receipts, and related procedures for in-app purchases are handled in accordance with the terms and procedures of Apple, Google, or the applicable platform provider. The Company does not receive your credit card number or other payment information. As a general rule, the Company cannot directly process refunds for purchases made through an app store.

Subscriptions may automatically renew unless you cancel them using the method specified by the applicable store. Please check the store’s display and terms for cancellation methods, cancellation deadlines, renewal dates, refund eligibility, and other conditions.

Reflection, restoration, and transfer of purchase status depend on your Apple Account, Google Account, App Store, Google Play, operating system, device, communication environment, store specifications, and other conditions. The Company does not guarantee that the purchase status of paid features will always be reflected or restored accurately or immediately.

The Company may change the content, price, conditions, and scope of free and paid features as necessary, subject to applicable law and platform rules.

Nothing in these Terms limits any refund, cancellation, withdrawal, or other consumer right that cannot be limited under applicable law.

6. Advertisements and Third-Party Services

Some parts of the Service may use third-party services for advertising, analytics, crash reporting, inquiry handling, website delivery, payments, cloud synchronization, or other purposes necessary to provide the Service.

Information may be handled by such third-party services in accordance with their own terms, privacy policies, settings, consent screens, or other rules.

Please refer to the Company’s Privacy Policy for details regarding the handling of information in connection with the Service.

7. Inquiries and Support

If you contact the Company regarding the Service, you must do so using the method specified by the Company.

If you send emails, inquiry forms, attachments, screenshots, CSV files, or other information to the Company for inquiries, support, bug investigation, data confirmation, or other purposes, the Company may review, retain, and use such information to the extent necessary for support.

As described in the Privacy Policy, the Company may use external translation, summarization, writing assistance, or investigation support tools when responding to inquiries.

You should not send personal information, confidential information, financial information, tax information, third-party information, or other information that is not necessary for support.

The Company will endeavor to respond to inquiries, but does not guarantee that it will respond to all inquiries, respond within a particular period, or provide the solution desired by you.

8. Compliance with Local Laws and Regulated Activities

You are responsible for complying with all laws and regulations applicable to your use of the Service in your country or region.

Some apps or features may be used for recording, organizing, calculating, or analyzing information related to household finances, accounting, tax preparation, investments, trading, betting, gambling, gaming, or similar activities. Such apps and features are provided only as general record-keeping, calculation, organization, or analysis tools.

The Service does not authorize, encourage, facilitate, or provide advice regarding any activity that is illegal or restricted in your country or region. You are solely responsible for confirming whether your use of the Service and any related activity is lawful in your country or region.

The Service does not provide financial, investment, gambling, betting, gaming, tax, accounting, legal, medical, or other professional advice. For important decisions, you must make your own confirmation and consult an appropriate professional if necessary.

9. Prohibited Conduct

You must not engage in any of the following acts when using the Service:

• Acts that violate laws or public order and morals;
• Criminal, fraudulent, or unlawful acts, or acts that encourage such acts;
• Acts that infringe the copyrights, trademarks, other intellectual property rights, privacy rights, reputation, credit, property, or other rights or interests of the Company or any third party;
• Acts that cause disadvantage, damage, or discomfort to the Company or any third party;
• Acts that interfere with, or may interfere with, the operation of the Service;
• Unauthorized access to, or excessive load on, the Service, the Company’s systems, third-party services, networks, or other systems;
• Copying, modifying, analyzing, reverse engineering, decompiling, or disassembling software, data, content, or other materials included in the Service beyond the extent permitted by applicable law;
• Exploiting defects, vulnerabilities, or technical limitations of the Service in an unauthorized manner;
• Using the Service itself or the functions of the Service, without the Company’s prior consent, for provision to third parties, resale, redistribution, lending, transfer, agency services, outsourcing services, or other commercial use not intended by the Company;
• Using the Service for any unlawful gambling, betting, trading, financial, tax, accounting, or other regulated activity;
• Providing benefits to, or otherwise cooperating with, organized crime groups, terrorist organizations, sanctioned persons, restricted parties, or similar persons or entities;
• Sending false information;
• Impersonating the Company or any third party;
• Violating applicable third-party platform terms, including Apple, Google, app store, cloud service, payment service, communication service, or wireless data service terms;
• Any other act that the Company reasonably determines to be inappropriate in light of the purpose of these Terms.

10. Intellectual Property and License

All copyrights, trademarks, and other intellectual property rights relating to the Service belong to the Company or third parties that have lawful rights.

Subject to your compliance with these Terms, the Company grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to use the Service for its intended purposes.

This license does not transfer any intellectual property rights in the Service to you, nor does it grant you any license beyond the scope expressly permitted by these Terms.

You may use the Service for your own, or your organization’s internal, household management, business management, accounting and tax assistance, task management, record management, or other purposes intended by the Service.

11. Suspension and Other Measures

If you violate these Terms, or if the Company reasonably determines that you may violate these Terms, the Company may, without prior notice to you, suspend all or part of your use of the Service, suspend the provision of paid features, restrict support, or take other measures that the Company considers necessary.

The Company is not liable for any damage caused to you by measures taken under this section if the Company is not legally responsible for the cause of such damage. If the Company is liable for damages, the scope of liability will be limited as set forth in Section 14.

12. Interruption, Suspension, and Termination of the Service

The Company may interrupt, suspend, or terminate all or part of the Service without prior notice to you in any of the following cases:

• When performing maintenance, inspection, repair, or updates of the Service, systems, apps, websites, or third-party services;
• When failures, suspensions, specification changes, limitations, or other issues occur in operating systems, app stores, cloud services, advertising services, payment services, communication lines, servers, or other third-party services;
• When access concentration, unauthorized access, security issues, or technical or operational issues occur;
• When provision of the Service becomes difficult due to fire, power outage, natural disaster, war, riot, enactment or amendment of laws, orders or dispositions by public authorities, infectious disease, labor dispute, communication failure, or other force majeure event;
• When the Company determines that interruption, suspension, or termination of the Service is necessary.

The Company is not liable for any damage caused to you by interruption, suspension, or termination under this section if the Company is not legally responsible for the cause of such damage. If the Company is liable for damages, the scope of liability will be limited as set forth in Section 14.

13. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis. To the maximum extent permitted by applicable law, the Company makes no warranties, express or implied, including warranties regarding the following:

• That the Service will meet your purposes, expectations, or usage environment;
• That the Service will be accurate, complete, useful, current, secure, or error-free;
• That the Service will be available without interruption, suspension, defects, data loss, synchronization failure, display failure, or purchase status reflection failure;
• That information, calculation results, aggregation results, translation results, AI-generated outputs, or any other content obtained through use of the Service will be accurate, complete, current, lawful, or useful;
• That the Service will operate properly on all devices, operating systems, settings, accounts, stores, or third-party services.

Features or information relating to household finances, accounting, taxes, investments, trading, betting, gambling, gaming, medical matters, legal matters, translation, AI, or other professional judgment are provided only for general information or assistance and do not replace advice from a qualified professional. You are responsible for verifying important matters yourself and consulting an appropriate professional if necessary.

14. Limitation of Liability

The Company is not liable for damage caused to you by circumstances for which the Company is not legally responsible.

Even if you suffer damage in connection with the use or inability to use the Service, changes to the Service, interruption, suspension, termination, loss or corruption of data, synchronization failure, failure to reflect or restore purchase status, use of advertisements or third-party services, support responses, or any other matter related to the Service, the scope of the Company’s liability, if any, will be limited as set forth in this section.

If applicable law does not permit the exclusion or limitation of the Company’s liability, the Company’s liability will be governed by such applicable law.

Even if the Company is liable, except in cases of intentional misconduct or gross negligence by the Company, the Company’s liability will be limited to ordinary and direct damages actually incurred by you. The Company will not be liable for special, indirect, incidental, consequential, or punitive damages, lost profits, loss of data, business losses, or damages arising from third-party claims, to the maximum extent permitted by applicable law.

If damage is caused to you by the Company’s ordinary negligence and the Company is liable for damages, the Company’s aggregate liability will be limited to the amount actually paid by you in connection with the Service during the 12 months immediately preceding the event giving rise to the claim. If you have not paid any amount in connection with the Service during that period, the Company’s aggregate liability will be limited to JPY 1,000 or the equivalent amount in local currency.

The limitations in this section do not apply to liability that cannot be limited under applicable law, including liability for intentional misconduct, gross negligence, death or personal injury where such limitation is prohibited, or any other liability that cannot be excluded or limited by law.

Some countries or regions do not allow certain exclusions or limitations of liability. In such countries or regions, the exclusions and limitations in these Terms will apply only to the maximum extent permitted by applicable law.

15. User Responsibility and Indemnification

If you violate these Terms or cause damage to the Company or any third party in connection with your use of the Service, you are responsible for compensating such damage to the extent permitted by applicable law.

If a dispute arises between you and a third party in connection with your use of the Service, you must resolve the dispute at your own responsibility and expense. If the Company incurs damage, cost, or expense due to such dispute, you must indemnify the Company to the extent permitted by applicable law.

16. Prohibited Persons, Organized Crime, and Sanctions

You represent and warrant that you are not a member of, controlled by, acting on behalf of, or otherwise substantially involved with any organized crime group, terrorist organization, sanctioned person, restricted party, or other similar person or entity.

You must not allow any such person or entity to use your name or account, provide benefits to any such person or entity, or otherwise cooperate with any such person or entity in connection with the Service.

You must not use the Service in violation of applicable export control laws, economic sanctions, or trade restrictions.

17. Privacy

The Company handles information relating to users in accordance with the Company’s Privacy Policy.

Please review the Privacy Policy for details regarding what information may be collected or received, how it is used, how it may be shared, how it is stored, and how you may exercise rights under applicable laws.

18. Assignment and Business Transfer

If the Company transfers the business relating to the Service to a third party, or if a merger, company split, business transfer, acquisition, or other business succession occurs, the Company may transfer its status under these Terms, its rights and obligations, and information relating to users to the successor of such business.

Personal information will be handled in accordance with applicable laws and the Company’s Privacy Policy.

19. Notices

Notices from the Company to you may be made by posting on the Company’s website, displaying within the app, displaying on a store page, sending by email, or by any other method that the Company considers appropriate.

Unless otherwise specified in these Terms, notices will become effective when posted or sent by the Company.

20. Changes to These Terms

The Company may change these Terms in any of the following cases:

• When the change is in the general interest of users;
• When the change does not contradict the purpose of the agreement and is reasonable in light of the necessity of the change, the appropriateness of the changed content, and other circumstances relating to the change;
• When the change is necessary and reasonable in order to respond to changes in the content, specifications, conditions, third-party services, laws, regulations, guidelines, app store terms, social conditions, security needs, fraud prevention, or other circumstances relating to the Service.

When changing these Terms, the Company will make known the content of the changed Terms and the effective date by posting on the Company’s website, displaying within the app, or using another appropriate method.

The changed Terms will take effect on the effective date separately specified by the Company. If you use the Service after the changed Terms take effect, you will be deemed to have agreed to the changed Terms.

If applicable law requires your express consent or a longer notice period for a particular change, the Company will comply with such requirement.

21. No Waiver and Severability

A failure by the Company to exercise any right under these Terms does not constitute a waiver of that right.

If any provision of these Terms, or any part of a provision, is held to be invalid or unenforceable under applicable law, the remaining provisions will continue in full force and effect.

22. Governing Law

The formation, validity, performance, and interpretation of these Terms are governed by the laws of Japan, without regard to conflict-of-law principles.

If you are a consumer residing outside Japan, this choice of law does not deprive you of any protection afforded by mandatory laws of your country or region of residence.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

23. Jurisdiction

If a dispute arises in connection with these Terms or the Service, the Tokyo Summary Court or the Tokyo District Court will have non-exclusive jurisdiction as the court of first instance, depending on the nature and amount of the claim.

If you are a consumer and mandatory laws of your country or region provide for a different court, venue, or dispute resolution rule, such mandatory laws will apply.

24. App Stores and Platform Terms

If you obtain or use an app through the Apple App Store, Google Play, or another app store or platform, the terms, policies, and standard license terms of that platform provider may also apply, including Apple's Standard End User License Agreement where applicable.

These Terms are between you and Monelyze Inc., and not with Apple, Google, or any other platform provider. Nothing in these Terms modifies or limits any rights or obligations that apply between you and the applicable platform provider.

Payments, billing, renewals, cancellations, refunds, and other procedures for purchases made through an app store are handled in accordance with the applicable platform provider's terms and procedures.

You must comply with applicable third-party terms when using the Service, including terms of app stores, cloud services, payment services, communication services, wireless data services, and other third-party services.

25. Language

These Terms may be prepared in multiple languages. For users located outside Japan, this English version is intended to govern your use of the Service.

For users located in Japan, the Japanese version of the Terms of Service applies.

If a translation is provided for convenience and there is any conflict between versions, the version that applies to your country or region will prevail, unless otherwise required by mandatory law.

26. Business Information and Contact

Business operator: Monelyze Inc.
Representative: Tetsuro Hamakita
Address: #401 Johnson Bldg. 17-12, Sakuragaokacho, Shibuya-ku, Tokyo, 150-0031, Japan
Contact: https://monelyze.app/en/contact/
Email: [email protected]

Originally established: November 12, 2017
Last updated: May 25, 2026
Effective date: June 8, 2026