Draft. This text is a working draft for the page design. It is not legal advice and has not been reviewed by a lawyer. Highlighted items like this still need a decision or a fact.
1. Who we are
MoneyOz is provided by Basalticware Lda., a company registered in Portugal (NIPC [NIPC]), with its registered office at Carreira de São Francisco, n.º 7, 9680-107 Vila Franca do Campo, Açores, Portugal. In these terms, "we" and "us" mean Basalticware Lda., and "you" means the person or company using MoneyOz.
You can reach us at support@moneyoz.app. Our full company details are in the Legal notice.
2. The service
MoneyOz is an app for keeping a shared record of money: income, expenses and recurring bills. You use it on the web, on Android and on iPhone and iPad. Each record lives in a space, for example a household, a trip or a company.
MoneyOz is free for households. Some features, such as bank sync and extra spaces, need Premium (see section 7).
You can use MoneyOz for personal use or for business use. If you use MoneyOz for a company, you confirm that you are allowed to act for that company. Rules in these terms that protect consumers apply only to people who use MoneyOz for personal purposes.
3. Your account
You sign in with a one-time code sent to your email address, or with a passkey. There is no password.
- Keep access to your email account and your devices secure. Anyone who can read your email or use your passkey can sign in as you.
- Give us an email address you control, and keep it up to date.
- You must be at least [minimum age] years old to create an account.
Tell us straight away at support@moneyoz.app if you think someone else has accessed your account.
4. Spaces and roles
Every space has members, and every member has a role:
- Owner: manages the space and its people, and can delete it.
- Member: adds and edits the space's records.
- Viewer: can see everything in the space but cannot change it.
When you invite someone to a space, they will see its records. Only invite people you trust with that information. Owners are responsible for who they invite and for the roles they give.
A deleted space can be restored by an Owner for 30 days. After that, it is deleted for good.
5. Your data
The records you add to MoneyOz belong to you and to the space you add them to. We use them only to provide the service, as described in our Privacy Policy.
You can ask for a copy of your data or delete your account at any time, by email. See Delete your account.
6. Bank sync
With Premium, you can connect a bank account so its transactions appear in a space. The connection is provided through Enable Banking, a licensed open-banking provider. You give your consent to your bank directly, and you can withdraw it at any time.
Bank sync only reads your transactions and balances. MoneyOz cannot move money or make payments. Your bank's records are the authoritative ones: if they differ from what MoneyOz shows, your bank is right.
7. Premium and gifts
Premium adds more pockets and bank accounts to a space. A paying user can make up to [3] spaces Premium, including spaces they are not a member of, by sending a Premium gift. The giver never sees the data in a gifted space.
If Premium ends, nothing is deleted. Bank sync stops, and extra pockets become read-only until Premium is restored.
Prices, billing periods and cancellation terms: [to be set at public launch].
8. Acceptable use
You agree not to:
- use MoneyOz for anything illegal, including money laundering or fraud;
- try to access spaces or accounts you were not invited to;
- interfere with, overload or reverse-engineer the service;
- upload content that is unlawful or that you have no right to share.
We may suspend accounts that break these rules. Where we can, we will tell you first and give you a chance to fix the problem.
9. Not financial advice
MoneyOz helps you record and understand your money. It does not give financial, tax or legal advice, and it is not an accounting or invoicing system. For business use, check your obligations with your accountant.
10. Availability and changes to the service
We work to keep MoneyOz available and your data safe, but we cannot promise that the service will always be uninterrupted or error-free. We may change or improve features. If we remove a feature that you pay for, we will tell you in advance [and offer a refund for the unused period].
11. Liability
Nothing in these terms limits liability that cannot be limited by law, such as liability for intentional misconduct or gross negligence.
Otherwise, to the extent the law allows, we are not liable for indirect losses, and our total liability is limited to [the amount you paid us in the last 12 months / a fixed amount]. If you use MoneyOz as a consumer, your statutory rights are not affected.
12. Ending your account
You can stop using MoneyOz and delete your account at any time. See Delete your account for what is deleted and what happens to shared spaces.
We may close an account that seriously or repeatedly breaks these terms. We will tell you why, and give you a chance to get a copy of your data first unless the law prevents it.
13. Changes to these terms
If we change these terms, we will tell you in the app or by email at least [30] days before the change takes effect. If you do not agree with the change, you can delete your account before then.
14. Governing law and disputes
These terms are governed by Portuguese law. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live.
If you have a complaint, contact us first at support@moneyoz.app. You can also use the Livro de Reclamações (complaints book) or turn to an alternative dispute resolution entity: [RAL entity name and website].
15. Contact
Basalticware Lda., Carreira de São Francisco, n.º 7, 9680-107 Vila Franca do Campo, Açores, Portugal. Email: support@moneyoz.app.