Legal
Terms of Service
Last updated: 29 July 2026
1. Acceptance of These Terms
These Terms of Service ("Terms") form a binding agreement between you and the independent developer of myney ("we", "us", or "our") governing your use of the myney mobile application (the "App"). By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
2. Description of the Service
myney is an offline-first personal finance tracker for iOS that lets you record and organize transactions, categories, accounts, and budgets, which are stored locally on your device. The App uses third-party services for authentication and for processing subscriptions and in-app purchases, and it retrieves currency exchange rates through a proxy service. Certain features may require an active subscription.
3. License Grant and Restrictions
Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable license to download and use the App on Apple devices that you own or control, solely for your personal, non-commercial use.
You agree that you will not, and will not permit others to:
- copy, modify, adapt, translate, or create derivative works of the App;
- reverse engineer, decompile, or disassemble the App, except to the extent this restriction is prohibited by applicable law;
- rent, lease, lend, sell, sublicense, or otherwise commercially exploit the App;
- remove or alter any proprietary notices; or
- use the App in any way that violates applicable law or these Terms.
4. Account and Authentication Responsibilities
Access to the App requires authentication through our provider, Auth0, using email or a social login (Apple, Google, or Facebook). You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate information and to notify us promptly of any unauthorized use. We are not liable for any loss arising from your failure to safeguard your credentials.
5. Subscriptions, Billing, Auto-Renewal, and Cancellation
Paid subscriptions and in-app purchases are sold and processed through the Apple App Store using Apple In-App Purchase. When you purchase a subscription:
- Payment is charged to your Apple ID account at confirmation of purchase.
- Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current period.
- Your account is charged for renewal within 24 hours prior to the end of the current period, at the then-current price.
- You can manage or cancel your subscription, and turn off auto-renewal, in your Apple ID account settings.
Purchases and refunds are governed by Apple's terms. Except where required by law, purchases are non-refundable by us; refund requests must be directed to Apple. Your use of Apple-delivered content is also subject to Apple's Licensed Application End User License Agreement (standard EULA).
6. Your Data and Backups
The financial data you enter is stored locally on your device. You are solely responsible for maintaining backups of your data. The App allows you to export your data to XML files, which you may save or transfer yourself. We are not responsible for any loss of locally stored data, including loss resulting from device failure, deletion, uninstalling the App, or your own import/export actions. You retain all rights to the data you create.
7. Acceptable Use
You agree not to use the App to violate any law, infringe the rights of others, interfere with or disrupt the App or its supporting infrastructure, attempt to gain unauthorized access to any system, or misuse the exchange-rate or authentication services. We may suspend or terminate access for conduct that we reasonably believe violates these Terms or harms other users or the service.
8. Intellectual Property
The App, including its software, design, text, graphics, and the "myney" name and branding, is owned by us or our licensors and is protected by intellectual property laws. Except for the limited license granted in Section 3, no rights are transferred to you. All rights not expressly granted are reserved.
9. Third-Party Services
The App relies on third-party services, including Auth0 (Okta) for authentication, Apple and RevenueCat for purchases and subscription management, and Cloudflare for exchange-rate delivery. Your use of these services may be subject to their own terms and privacy policies. We do not control and are not responsible for the availability, accuracy, or practices of third-party services, and we make no warranties regarding them. Exchange-rate information is provided for convenience only and may not be accurate or current; it should not be relied upon for financial or investment decisions.
10. Disclaimer of Warranties
THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT ANY DATA (INCLUDING EXCHANGE RATES) WILL BE ACCURATE. THE APP IS A PERSONAL FINANCE TRACKING TOOL AND DOES NOT PROVIDE FINANCIAL, TAX, INVESTMENT, OR LEGAL ADVICE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, OR GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR USD $50. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
12. Indemnification
You agree to indemnify and hold us harmless from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to your misuse of the App, your violation of these Terms, or your violation of any law or the rights of any third party.
13. Termination
These Terms remain in effect while you use the App. We may suspend or terminate your access at any time if you breach these Terms or if we discontinue the App. You may terminate at any time by ceasing to use the App and uninstalling it. Sections that by their nature should survive termination — including intellectual property, disclaimers, limitation of liability, and indemnification — will survive.
14. Your Consumer Rights and Disputes
Nothing in these Terms limits or overrides the mandatory consumer-protection rights you have under the law of the country where you live. Where any provision of these Terms conflicts with those rights, those rights prevail.
We would rather fix a problem than argue about one, so please contact us at support@slipgoat.xyz first — most issues are resolved that way. If a dispute cannot be resolved directly, you may bring proceedings in the courts of the place where you live.
15. Apple as Third-Party Beneficiary
These Terms are between you and us only, and not with Apple. Apple is not responsible for the App or its content. To the extent these Terms permit, Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. Any maintenance, support, and warranty obligations, and any claims relating to the App, are our responsibility and not Apple's, as further described in Apple's standard EULA referenced in Section 5.
16. Changes to These Terms
We may update these Terms from time to time. When we do, we will revise the "Last updated" date above. Your continued use of the App after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, stop using the App.
17. Contact
Questions about these Terms may be sent to support@slipgoat.xyz.