Terms of Service

The service

MoneyHome is a personal finance app: you track accounts and transactions you enter yourself or import from a CSV file, view reports and net worth, and optionally chat with a built-in AI assistant about your own data. We don't connect to your bank and never ask for bank credentials.

The product is young

MoneyHome is a new product and actively changing. We add and adjust features, and occasionally something will break. Export anything important from Settings as CSV — that option exists precisely so your data is never trapped, including in our mistakes. We give notice before disruptive changes where we can, but we do not promise zero downtime or zero bugs, and you should keep your own copy of anything you would be upset to lose.

Your account

• You're responsible for keeping access to your sign-in method (Google account or the email address you use for magic links) secure.
• You must be old enough in your jurisdiction to enter into these terms, and the data you add should be your own or data you're authorized to manage.
• We may suspend or limit an account that breaches these terms, or where we reasonably suspect fraud or abuse of the payment system.

Acceptable use

Use MoneyHome for its intended purpose: tracking and understanding your own personal finances. Please don't:

• Try to access another user's data or bypass the app's security or rate limits.
• Upload malicious files, or use CSV import / the AI chat to attempt to attack, disrupt, or extract data from the service.
• Use the service for anything illegal, or resell/rebrand it without our written permission.
• Reverse-engineer the app to build a competing service using our code or infrastructure.

Not financial advice

Pricing and purchases

MoneyHome has a free tier you can use indefinitely without paying. Paid plans are sold through our payment provider, Stripe, and the price, billing period and any applicable tax are shown to you in the checkout flow before you confirm. That checkout screen is the binding statement of what you are agreeing to pay.

Founding Supporter is a one-time payment. It is not a subscription, it does not renew, and there is nothing to cancel.

Premium is a recurring subscription, billed monthly or annually depending on which you choose. It renews automatically at the end of each billing period, at the price shown at checkout, until you cancel.

What “lifetime” means for Founding Supporter

We would rather be precise about this than generous-sounding, because a promise you can only discover the edges of later is not much of a promise.

What you get: continued access to the MoneyHome application as a Founding Supporter, without further payment, for as long as we operate the service. That includes the features present when you buy, and improvements we make to that tier afterwards.

What it does not include: any specific third-party AI capacity. Our hosted AI assistant runs on a paid API we buy from a provider, and the daily message allowance attached to your plan is a current benefit that we may change. We will not remove AI access from Founding Supporters, but we may adjust the daily allowance, change the underlying model, or ask heavier users to supply their own API key. Bringing your own key remains unmetered.

If we stop operating MoneyHome: we will give you notice and a period to export your data, which you can already do at any time from Settings as CSV. “Lifetime” means the lifetime of the service, and we cannot honestly promise a company will exist forever. It does not mean we owe a pro-rata refund years later.

Price changes: the Founding Supporter price may rise for new buyers. If it does, it does not change what you already paid, and it does not create a charge for you.

Refunds

Founding Supporter: if you change your mind within 14 days of purchase, email us and we will refund you in full. No explanation needed. After 14 days we do not offer refunds on the one-time purchase, because it grants indefinite access that cannot be handed back.

Premium: you can cancel at any time. Cancelling stops the next renewal and you keep access until the end of the period you have already paid for. We do not refund part-used periods. If you cancel by mistake, contact us before the period ends and we will sort it out.

If something is our fault — a duplicate charge, a charge after you cancelled, or a failure on our side that made the product unusable for you — tell us and we will refund it. We would rather return money than argue about it.

Refunds are issued to the original payment method through Stripe, and typically take a few business days to appear.

Taxes

Prices are shown exclusive of tax unless stated otherwise. Where we are required to collect sales tax, VAT or GST, it is calculated by Stripe Tax based on the billing address you give at checkout, and shown to you before you confirm. The total on the checkout screen is what you pay.

If you are buying as a business and need a tax invoice, or need to supply a VAT/GST registration number, contact us and we will provide what we can.

Failed payments

If a subscription payment fails, Stripe will retry it and we will email you. If it keeps failing, Premium access ends and your account reverts to the free tier. Nothing is deleted when that happens: your accounts, transactions and history remain, and you keep read access and CSV export. You simply cannot use the paid features until payment succeeds.

Your data and content

You own the financial data you put into MoneyHome. We don't claim ownership over it, and we don't sell it or use it for advertising. See our Privacy Policy for how it's stored, used with AI features, and how to export or delete it.

Disclaimers and limitation of liability

MoneyHome is provided "as is", without warranties of any kind, express or implied, including fitness for a particular purpose or uninterrupted availability. To the fullest extent permitted by law, MoneyHome and its operators are not liable for indirect, incidental, or consequential damages arising from your use of the service, including financial decisions made using information from the app. Nothing in these terms limits liability where the law doesn't allow it to be limited.

Changes to the service or these terms

We may update these terms as the product evolves. Where a change affects what you have already paid for, it will not be applied retroactively to your existing purchase. We'll update the "Last updated" date above, and for material changes we'll try to notify signed-in users directly.

Governing law

These terms are governed by the laws of Hong Kong, without regard to conflict-of-law principles.

Contact

Questions about these terms, or about privacy and your data: privacy@moneyhome.app. Billing, refunds and cancellations: hello@moneyhome.app — a real person reads it, and refund requests inside the 14-day window do not need a reason.