Terms of use

1. Provider and scope

Moneytale is provided by OnIT s. r. o., company ID 55 010 903, Ľudovíta Fullu 3012/6, 841 05 Bratislava — Karlova Ves, Slovakia; Commercial Register of the Bratislava III City Court, section Sro, insert 164718/B. Contact for the service, complaints and withdrawal: podpora@moneytale.app, phone +421 918 676 679 and the postal address above.

These terms concern personal financial records, imports, categorization, reports and document storage. They do not replace separate bank-access or purchase-channel terms presented before activation.

2. Account and contract

Use your account for your own purposes with a correct contact address. Protect login credentials and contact us if you suspect misuse. Signing in with Google or Apple does not change your rights to your Moneytale account.

We make the terms available to you before you enter the contract. Accepting the terms is separate from acknowledging the privacy notice and from voluntary AI or receipt-item consent. Publication alone does not constitute acceptance of new terms, and they do not retrospectively change existing contracts; section 7 describes how the terms change.

3. The service

Moneytale creates reports from the available data. Missing history, incomplete statements and duplicate payments may affect results. The import report shows processing outcomes; you can inspect and correct payments and categories. Keeping a document without a payment does not by itself add it to financial totals.

Available bank connections use a licensed account-access provider, authorized through a separate flow. Moneytale does not initiate payment orders through that feature. Reports are not individual investment, credit, tax or legal advice; the document archive does not promise to satisfy every accounting obligation.

4. Optional AI functions

AI reading of unknown statement formats and AI categorization are enabled separately. Before enabling them, you see the purpose, information sent and withdrawal controls. An original PDF may include the whole statement image, personal information and sensitive content; this is not the same scope as a cleaned merchant name for categorization.

AI can produce inaccurate or incomplete results despite automated checks. Verify the source document before a significant financial decision. This does not restrict our obligations to provide the service properly or your statutory rights. You can withdraw AI consent without deleting your account; available manual records and supported non-AI imports remain. An AI function does not run without the consent it requires.

5. Content, privacy and safe use

Upload documents and information you are entitled to use. Remove unnecessary information about other people; do not upload someone else's statements without authority. Your consent does not automatically authorize processing another person's sensitive information. If unsure, contact support without attaching sensitive data.

We do not claim ownership of your content. It is processed for the explained functions under the privacy notice, not under an unrestricted licence for training, advertising or sale. These terms are not GDPR consent. Do not try to obtain other users' information, bypass access or cost limits, or disrupt the service.

6. Free, Premium and purchases

Before you confirm an offer, we show you the features, limits, price including VAT, billing period and automatic renewal. Premium prices and availability are shown in the app or the store at purchase. Gifted Premium does not automatically become a paid subscription.

A new account gets a 7-day trial with no card and no automatic payment; it starts with the first successful import or the first recorded payment, and the app shows its scope. The trial never turns into a paid subscription by itself. After it ends without Premium, you keep access to your existing data — reading, correcting, exporting and deleting it; new imports, new manually recorded payments and documents, and AI processing require Premium. Payments from a bank connection granted to you keep arriving. We switch the trial and these limits on only once Premium can be bought, and we tell you in advance.

For purchases through Apple's App Store or Google Play, manage renewal in that store; web purchases follow the presented offer and identified seller. Premium switches on in your account only once the store or payment provider confirms the payment to us — not as soon as you return from a payment page. Cancelling future renewal normally preserves an already paid valid period. Deleting the app or account does not itself cancel a store subscription.

Monthly and yearly Premium subscriptions renew automatically until you cancel renewal, at the price shown at purchase or at a new price announced as described in the next sentence. We announce a price increase in advance so you can cancel renewal before the new price is charged; where the store requires your consent to an increase, the higher price is not charged without it. For App Store or Google Play purchases, cancel renewal in your Apple ID or Google Play subscriptions at least 24 hours before the current period ends, otherwise the next period is charged. For web purchases, you can cancel in subscription management at any time before the period ends. Refunds for App Store or Google Play purchases are handled by that store under its own rules.

When you delete your account, we try to stop a web subscription; an App Store or Google Play subscription must be cancelled in the store. If a paid period remains after deletion, support can restore it on a new account after verifying the original store purchase — the same e-mail address is not enough. This does not restore deleted data or gifted Premium.

You may withdraw from a Premium contract without giving a reason within 14 days of entering it. For App Store or Google Play purchases, withdraw and request reimbursement through that store under its procedure; if the store does not grant it, contact us. For web purchases, send your withdrawal by e-mail to podpora@moneytale.app, by post to the address in section 1, or through the withdrawal function in subscription management; if another seller is identified at purchase, you may also send it to that seller. We reimburse the whole payment concerned within 14 days of receiving your withdrawal, using the same means of payment you used, without deducting for use, imports, AI or fees. Using AI or consuming a limit does not constitute consent to lose a withdrawal right. Statutory rights to remedy defects, obtain a price reduction or reimbursement remain.

7. Availability, changes and termination

The service requires a supported browser or mobile app and an internet connection for synchronization. Maintenance, errors or an external bank/provider outage may temporarily affect it. We inform you by e-mail and in the app at least 30 days before a change to these terms, or a material change to the service affecting use or agreed rights, takes effect. If you do not agree, you may end the contract free of charge before that date; your paid period runs to its end, or on request we refund a proportionate part of the price for the unused period. Statutory conditions for changing digital services remain applicable.

Delete your account in Settings or ask support; you can export your data beforehand. During a security incident or serious misuse, we may proportionately restrict affected access and, where appropriate, explain the reason and remedy. This is not a general right to arbitrarily remove paid service or erase data without a lawful reason.

8. Complaints and disputes

Send defects or complaints to podpora@moneytale.app with the account, problem and requested remedy, not your password or an entire statement. We acknowledge receipt, resolve the complaint within 30 days of receiving it and send you the outcome by e-mail. We do not exclude statutory responsibility for defects or consumer remedies through a blanket “no warranty” clause.

If we reject a request for redress or do not answer it within 30 days, you may, under the statutory conditions, submit a proposal for alternative consumer dispute resolution. The body is the Slovak Trade Inspection, Bajkalská 21/A, P. O. BOX 29, 827 99 Bratislava 27, ars@soi.sk — proposals may also be submitted electronically — or another authorized entity listed by the Slovak Ministry of Economy. The Slovak Trade Inspection publishes the rules and also supervises consumer protection. Your right to go to court is unaffected.

Slovak law governs the contract. This does not deprive consumers of applicable mandatory protection under the law of their habitual residence or of statutory court jurisdiction.