Terms of service

1. Agreement

These terms govern your use of the Moneva website and web app (the "Service"). By creating an account or using the Service you agree to them. If you do not agree, please do not use the Service.

2. Who can use the Service

You must be at least 16 years old and able to enter into a binding agreement. If you use the Service on behalf of a household, group, business or project, you confirm you are allowed to bring its members in and to accept these terms for your own use.

3. Your account

• Keep your password secret and your email address up to date.
• You are responsible for activity under your account. Tell us promptly if you believe it has been compromised.
• One person, one account. Do not share credentials or impersonate anyone.
• We may suspend accounts that break these terms, that we believe are compromised, or that are used to harm other users.

4. What the Service is (and is not)

Moneva helps you plan budgets, record spending, save towards goals and review progress. It does not hold money, move money or provide financial, legal or tax advice. Insights are general information generated from the figures you enter; decisions about your money remain yours.

The Service is offered free of charge today. If paid plans are introduced in future, they will be announced in advance and nothing will be charged without your clear agreement.

5. Shared spaces

Shared spaces (households, groups and projects) are run by their owners and admins. By joining one you accept that:

• other members can see the budgets and transactions recorded in that space, according to their role;
• what you record there stays in the space if you leave, because the other members rely on it;
• the owner decides who joins, who approves spending and whether amounts appear in the feed;
• disagreements about money inside a space are between its members. We provide the tools, not arbitration.

Treat other members with respect. Harassment, intimidation or sharing another member's private information is not allowed.

6. Acceptable use

Do not use the Service to:

• break the law, launder money or finance anything illegal;
• store or share content that is abusive, hateful, sexually explicit, or that infringes someone else's rights;
• send spam, scams or unsolicited invitations;
• probe, scan or attack our systems, scrape the Service, or bypass rate limits and access controls;
• upload malware or files you are not entitled to share;
• misrepresent who you are or who you act for.

7. Your content

You own what you enter and upload. You give us the limited licence needed to store it, show it to the people you share it with, back it up and process it to provide the Service. You are responsible for having the right to upload what you upload (for example, receipts containing someone else's details).

We may remove content that violates these terms. Reports of abuse are reviewed by our moderation team, and you may be asked for more information.

8. Availability and changes

We work to keep the Service reliable, but it is provided "as is" and "as available". We may change, pause or withdraw features, and we may update these terms. When changes are material we will announce them in the app before they take effect. Continued use after that date means you accept the updated terms.

9. Ending your account

You can delete your account at any time from Settings → Data. We may terminate or suspend access for breach of these terms, for prolonged inactivity after notice, or where required by law. Sections 7, 10 and 11 survive termination.

10. Liability

To the fullest extent permitted by law, Moneva and its team are not liable for indirect, incidental or consequential losses, for lost profits or savings, or for decisions you make based on figures or suggestions shown in the Service. The figures the Service shows are only as accurate as what you and the members of your spaces enter. Nothing in these terms limits liability that cannot be limited by law.

11. General

These terms are the whole agreement between you and Moneva about the Service. If a part is found unenforceable, the rest still applies. Our failure to enforce a term is not a waiver. Unless the law where you live says otherwise, these terms are governed by the laws of Rwanda.

12. Contact

Questions about these terms: use the contact page.