Terms of use

Document version: 2026-11-01.2

Draft before public launch The provider's business and contact details have not yet been supplied. Bracketed fields intentionally remain blank until they are supplied. Consumer procedures, competent bodies and any paid offering must also be completed before public launch. This draft does not confirm their readiness.

1. Provider

MONEWI is provided by [PROVIDER], identification and registration details [BUSINESS ID / REGISTER, IF APPLICABLE], registered address [ADDRESS / COUNTRY]. Contact for the service, complaints and requests: [CONTACT EMAIL / ADDRESS]. These details must be completed before public launch.

2. Service purpose and calculation limits

MONEWI provides personal records of income and expenses, budgets, goals, debts, portfolios and shared expenses. Available features are shown in the app. Simulations and projections are estimates; a recorded deposit, savings envelope or estimated value is not automatically a return or additional wealth.

MONEWI does not provide individual financial, investment or tax advice. Market information and calculations may be delayed or incomplete. Verify underlying information before decisions and obtain professional advice where appropriate. Recording a debt or settlement does not itself execute a payment.

3. Account and age

The service is intended for people aged 16 or older. Confirming age does not establish full contractual capacity. If you are 16–17, use the service only for legal acts appropriate to your age and maturity; where an act exceeds your capacity, your legal representative must act or consent as required by applicable law.
When creating an account, you accept these terms and acknowledge the privacy information. Optional analytics requires separate consent; declining does not prevent use of the service.
Protect your credentials and use a valid contact email. Do not use accounts or automation to bypass limits or gain unauthorised access.

4. Content and sharing

Only add information and files you have the right to use and share. Do not publish unlawful content, infringe others' rights or disrupt service security or availability. Authorised group members see information you add to the group, your displayed identity, shares and balances. Do not share another person's data without a legal basis. Members arrange settlements between themselves.

Access or content may be restricted proportionately for a breach of these terms, a security threat or a legal obligation. We will explain the reason and available remedies unless law or security prevents this. Your statutory rights remain unaffected.

5. Optional analytics and reminders

Product analytics consent is not consideration for the service or a condition of an account. It is off by default and may be declined or withdrawn in Settings → My data → Optional usage analytics. Event scope, purpose, retention and rights are described in the analytics information. Accepting these terms does not enable analytics.

Return reminders have their own voluntary consent and separate push delivery choice in Settings → Notifications → Return reminders. They encourage app use and may constitute direct marketing; they are separate from actual financial alerts. Adapting the hour and general tool to usage requires another separate consent to limited habit profiling and current analytics consent. Fixed timing is available without analytics. Consents are off by default, do not affect service availability and can be withdrawn easily; browser permission alone does not replace them. Details of data, withdrawal and statutory evidence.

6. Availability, changes and termination

Maintenance and outages can occur. Export important records regularly; this document does not promise a particular recovery time or recovery of data you delete. Statutory requirements for digital service conformity, security updates and remedies for defects remain unaffected.

You may terminate and, after identity confirmation, delete your account in Settings. The privacy information explains effects on owned data, shared records and separate audits. We will notify you of material changes to the terms or service in advance as required by law, and seek acceptance where required. Mandatory termination and withdrawal rights remain unaffected.

7. Prices, complaints and consumer rights

This draft does not itself place a paid order. Any paid offering requires published final tax-inclusive prices, currency, payment method, subscription period and renewal, cancellation, support, complaints and statutory withdrawal information, including a form where required. Starting a digital service must not be assumed automatically to remove your withdrawal rights.

Report a defect or complaint to [CONTACT EMAIL / ADDRESS]. Where consumer legislation applies, you have statutory rights to remedy non-conformity and, where legal conditions are met, a price reduction or termination. Digital service rights may apply even without a monetary price; these terms do not exclude them. Specific procedures and time limits for the provider's location and market must be completed before public launch.

8. Liability and disputes

The informational limits of calculations do not exclude liability that cannot legally be excluded or mandatory consumer rights. Governing law: [TO BE COMPLETED FOR THE PROVIDER]. A choice of law does not deprive consumers of mandatory protections under applicable law; court jurisdiction follows statutory rules.

If a dispute cannot be resolved directly, information on alternative dispute resolution is available from Slovak Trade Inspection and the Czech Trade Inspection Authority; the specifically competent body must be completed according to the provider and service. The European ODR platform closed on 20 July 2025 and is not an available complaints route.