MonerTerms of Service
These terms apply when you download or use Moner (“the app”), a personal spending tracker for Android made by an independent developer (“we”, “us”). By using the app you agree to them. If you don’t agree, please don’t use the app.
1. What Moner is
Moner helps you keep a personal record of what you spend: you add payments, set a monthly limit, bring in payment receipts from your Gmail, scan paper receipts, split bills and see where your money went. It is a record-keeping tool for your own use. It does not move money, connect to your bank accounts, or make payments.
2. Not financial advice
Totals, limits, insights and anything else the app shows are for your own information. They are not financial, tax, accounting or legal advice. Decide on your money with your own judgement or a qualified adviser.
3. Check what the app reads
Receipts from Gmail, scanned photos and AI reading are read automatically and can be wrong: an amount, a merchant, a date or a category may be misread or missed, and some emails may not be recognised at all. Moner shows each receipt for you to review before it is recorded. You are responsible for checking what you save and for the accuracy of your own records.
4. Your data and your account
- Your data is stored on your phone, not by us. Keeping it safe is up to you: protect your phone with a screen lock, and use Export my data if you want your own copy.
- If you lose your phone, uninstall the app or use Delete everything, your data is gone, and we cannot recover it.
- How the app handles data is described in the Privacy Policy, which is part of these terms.
5. Google services
Some features use Google services, and by using them you also agree to Google’s terms:
- Gmail (optional) uses your Google account with read-only access, under the Google Terms of Service. You can disconnect it at any time.
- AI receipt reading (optional, off by default) sends a receipt photo to Google Gemini under the Gemini API Additional Terms. It may be limited or unavailable at times, for example when a daily limit is reached; the app then reads the photo on your phone instead.
We don’t control these services and aren’t responsible for their availability or for how Google handles data under its own policies.
6. Acceptable use
Use Moner for your own lawful, personal record keeping. Don’t:
- connect a Gmail account you aren’t allowed to access, or scan documents you have no right to use;
- misuse, overload or try to get around the AI reading service or its safeguards; or
- copy, resell, reverse engineer or redistribute the app, except where the law allows it.
7. Shared summaries
When you share a Split bill summary, you choose who receives it. Make sure the people and amounts in it are right, and that the people in it are happy for it to be shared.
8. The app is provided as is
Moner is provided free of charge, “as is” and “as available”, without warranties of any kind, including that it will be error-free, uninterrupted, or that receipts will always be found or read correctly. Features may change, and the app may be updated or discontinued.
9. Limitation of liability
To the extent the law allows, we are not liable for any indirect, incidental or consequential loss, or for any loss of data, money or opportunity, arising from your use of the app or from relying on what it shows. Nothing in these terms limits liability that cannot be limited by law.
10. Ending use
You can stop using Moner at any time by uninstalling it. We may stop offering the app, or a feature of it, at any time.
11. Changes to these terms
We may update these terms. The new version will be posted on this page with a new effective date. Continuing to use the app after a change means you accept the updated terms.
12. Governing law
These terms are governed by the laws of the Republic of Indonesia, without prejudice to any consumer protection rights you have in the country where you live.
13. Contact
Questions about these terms: alviy.dev@gmail.com