Terms of Use

These Terms of Use ("Terms") govern your access to and use of MONIQO and related websites, products, and services (collectively, the "Service"), provided by MONIQO ("MONIQO", "we", "us", or "our"). By downloading, installing, or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. Service Description

MONIQO is an iPhone application for organizing, forecasting, and managing recurring financial obligations — including subscriptions, installments, recurring services, and fixed repeating payments. The Service provides tools to help you manually record, structure, and visualize your recurring obligations. All calculations, forecasts, and reminders are based solely on data you enter and are provided for planning and informational purposes only.

2. Informational Purpose — Not Financial Advice

MONIQO is not a financial advisor, financial planner, bank, broker, payment processor, or financial institution, and does not provide financial, investment, tax, or legal advice. Nothing in the Service constitutes a recommendation to take or refrain from any financial action.

MONIQO does not connect to bank accounts, does not access banking credentials, does not initiate or process payments, and does not cancel subscriptions or obligations on your behalf. All data in the app reflects only what you have manually entered; MONIQO does not verify whether entered amounts, dates, or terms match those of any actual third-party provider.

You are solely responsible for: verifying the accuracy of all data you enter; independently confirming subscription terms, billing dates, and amounts with the relevant providers; making all financial decisions; canceling obligations with the applicable third-party providers; and any consequences arising from reliance on information displayed in the Service.

3. Eligibility

You must be at least 13 years of age (or the applicable minimum age in your jurisdiction) to use MONIQO. By using the Service, you represent that you meet this requirement. If you are using MONIQO on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

4. Your Account

You may create an account using email and password, Apple Sign In, or Google Sign In. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to provide accurate and complete information when creating your account and to keep it reasonably up to date. You must notify us promptly at support@moniqo.space if you believe your account has been compromised or accessed without authorization.

5. User Content and Data Ownership

All data you create, enter, or store within MONIQO — including obligation records, payment source labels, settings, and preferences (collectively, "User Content") — remains yours. You retain all rights to your User Content.

By using the Service, you grant MONIQO a limited, non-exclusive, worldwide, royalty-free license to store, process, and display your User Content solely as necessary to provide and operate the Service for you. We do not claim ownership of your User Content and do not use it for any purpose beyond operating the Service as described in our Privacy Policy.

You are solely responsible for the accuracy, completeness, and legality of all User Content you submit.

6. Acceptable Use

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

• Violate any applicable local, national, or international law or regulation.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of the Service.
• Attempt to gain unauthorized access to any part of the Service, its infrastructure, or the accounts of other users.
• Introduce viruses, malware, or other malicious or harmful code into the Service or its infrastructure.
• Use automated scripts, bots, or scrapers to access or extract data from the Service.
• Use the Service for fraudulent, deceptive, abusive, or illegal activity, or to violate the rights of any third party.
• Resell, sublicense, or otherwise commercialize access to the Service without our express written consent.

We reserve the right to investigate and take appropriate legal and technical action against anyone who violates this provision.

7. MONIQO Premium — Subscriptions and Billing

Certain features of MONIQO are available only through MONIQO Premium, a paid subscription offered via Apple In-App Purchase. MONIQO Premium may be available as a monthly subscription, a yearly subscription, and may include a 14-day free trial or limited-time promotional pricing where eligible, as presented in the app at the time of purchase.

Free trial: If a free trial is offered, you will not be charged during the trial period. Unless you cancel before the trial ends, your subscription will automatically convert to a paid subscription at the applicable rate.

Auto-renewal: MONIQO Premium is an auto-renewable subscription. Unless you cancel before the end of the current subscription period, it will automatically renew at the then-current price for the same duration. Your Apple ID will be charged within 24 hours prior to the end of the current period.

Management and cancellation: You can manage and cancel your subscription at any time through your Apple ID account settings or App Store account settings. Cancellation takes effect at the end of the current billing period; you will retain access to Premium features until that time. MONIQO does not process billing directly and cannot issue refunds; all billing inquiries and refund requests must be directed to Apple.

Restore Purchases: MONIQO includes a Restore Purchases option in the app to reactivate your Premium entitlement on the same Apple ID.

Subscription prices are set in the App Store and may vary by region. By subscribing, you agree to Apple's applicable terms, including the Apple Media Services Terms and Conditions.

8. Intellectual Property

MONIQO and its content — including the app name, logo, design, user interface, text, graphics, software, algorithms, and all other materials (excluding User Content) — are the exclusive property of MONIQO or its licensors and are protected by copyright, trademark, and other applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes. This license does not include any right to sublicense, copy, modify, distribute, sell, or create derivative works based on the Service or its content.

9. Privacy

Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you agree to the practices described in our Privacy Policy.

10. Availability and Changes to the Service

We may update, modify, suspend, or discontinue any part of the Service at any time, with or without notice. We will make reasonable efforts to maintain Service availability, but we do not guarantee that the Service will be available at all times, uninterrupted, error-free, or compatible with every device, operating system version, or third-party software. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

11. Third-Party Services and Links

The Service integrates with or references third-party services (including Apple, Google, and Supabase). Those services are governed by their own terms and privacy policies, which you should review independently. MONIQO is not responsible for the content, practices, or availability of third-party services.

12. Termination

You may stop using the Service at any time. You may request deletion of your account by contacting us at support@moniqo.space.

We may suspend or terminate your access to the Service immediately, with or without notice, if we reasonably determine that you have violated these Terms, if your use creates risk or legal exposure for MONIQO or other users, or if we are required to do so by law. Termination does not affect any rights or obligations that accrued before termination. Sections 2, 5, 8, 13, 14, 15, 16, and 17 survive termination.

13. Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MONIQO EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE.

MONIQO does not warrant that: (a) the Service will meet your requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) information or results obtained through the Service will be accurate, complete, or reliable; or (d) any errors will be corrected. Some jurisdictions do not allow exclusion of implied warranties, so the above exclusions may not fully apply to you.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MONIQO OR ITS OWNERS, OPERATORS, EMPLOYEES, AGENTS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOST PROFITS, LOST DATA, FINANCIAL LOSSES, MISSED PAYMENTS, MISSED CANCELLATION DEADLINES, BILLING DISPUTES, OR DECISIONS MADE IN RELIANCE ON USER-ENTERED INFORMATION — REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF MONIQO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MONIQO'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID FOR MONIQO PREMIUM IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) TEN U.S. DOLLARS (USD $10.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

15. Indemnification

You agree to defend, indemnify, and hold harmless MONIQO and its owners, operators, employees, and service providers from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) any User Content you submit.

16. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with applicable law, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Service that cannot be resolved informally shall be submitted to binding individual arbitration, unless prohibited by applicable law. You and MONIQO each waive the right to a jury trial and to participate as a plaintiff or class member in any class action or representative proceeding.

Nothing in this Section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction where necessary to protect intellectual property rights or prevent imminent harm.

17. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy and any terms presented at the time of purchase, constitute the entire agreement between you and MONIQO regarding the Service and supersede all prior agreements or understandings on the same subject.

Severability. If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force and effect.

No Waiver. Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Force Majeure. MONIQO will not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including acts of God, internet outages, third-party service failures, or government actions.

18. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the "Last updated" date at the top of this page and may provide additional notice through the app or by email. Your continued use of the Service after the updated Terms become effective constitutes your acceptance of the revised Terms. If you do not agree with the updated Terms, you must stop using the Service.

19. Contact

For questions about these Terms or the Service, contact us at support@moniqo.space.