1. General information

These terms (the "Terms") are the terms of service within the meaning of Article 8 of the Polish Act of 18 July 2002 on the provision of electronic services. They govern the use of the Monelo mobile app (the "App").

The service provider is Piotr Czarnynoga (the "Provider"). Contact: support@monelo.app.

How we process personal data is described in the Privacy Policy, and paid plans are covered by the Subscription Terms. Both documents supplement these Terms.

2. Definitions

  • User: a person using the App.
  • Consumer: a User who is a natural person using the App for purposes not directly related to their business or profession. The provisions on Consumers also apply to sole traders who have consumer rights under Polish law.
  • Account: a User's account in the App.
  • Premium: a paid plan giving access to additional features and higher limits.
  • Scanner: the feature that reads receipt photos using artificial intelligence models.

3. The service

Monelo helps you manage personal finances: record expenses and income, keep wallets, budgets and savings goals, plan recurring payments, view statistics and read receipts from photos.

The App is for information and organisation only. It does not hold money, does not provide payment accounts, does not connect to banks and does not let you make financial transactions.

Monelo does not provide financial, investment, tax, accounting or legal advice. Summaries and statistics in the App are based on the data you enter.

4. Technical requirements

To use the App you need:

  • a device running iOS or Android in a version supported by the current App release,
  • internet access for sign-in, sync, the Scanner and purchases,
  • an active email address or a Google or Apple account,
  • a camera or access to your photo library if you want to use the Scanner.

Using the internet carries typical risks (e.g. malware, interception of data). Protect your device and sign-in details.

5. Account and agreement

The agreement for the provision of electronic services is concluded when you create an Account, for an indefinite period. The free plan is free of charge.

You must be at least 16 years old to create an Account. You agree to provide accurate data, keep your sign-in details and PIN safe, and not share your Account with others. You are responsible for actions taken using your Account.

You can terminate the agreement at any time by deleting your Account in the App (Settings → Profile → Delete account) or by emailing us. Deleting your Account does not cancel a subscription in the App Store or Google Play.

The Provider may suspend an Account or terminate the agreement with 14 days' notice for important reasons, in particular a serious or repeated breach of these Terms. Where actions threaten the security of the App or other Users, suspension may be immediate. We will notify you by email and explain why.

6. Free plan and Premium

The App follows a freemium model. Some features are free, while others and higher limits require Premium. The features and limits included are shown in the App on the Premium screen.

Premium is purchased through the App Store or Google Play. Payment, renewal, cancellation and refund details are set out in the Subscription Terms.

7. Receipt scanner

The Scanner reads the store name, date, total and line items from a receipt photo and suggests categories. It uses artificial intelligence models from third-party providers (Google Gemini, Anthropic Claude), as described in the Privacy Policy.

  • Results may contain errors. Accuracy depends on the photo quality and how legible the receipt is. Check items, amounts and categories before saving. A transaction is created only after you confirm it.
  • Limits. The number of scans is limited per day and per month, and limits may differ between the free plan and Premium. Current limits are shown in the App. We may temporarily restrict the Scanner if a provider has an outage or in case of abuse.
  • What you upload. Only upload photos of receipts and similar proofs of purchase that you have the right to share. Do not upload photos of people, identity documents or unlawful content. The App may warn you that a photo doesn't look like a receipt.
  • Permission. By uploading a photo, you authorise the Provider to store and process it to read the receipt and to improve recognition quality, including manual review of photos and extracted items, as described in the Privacy Policy.

8. Your data

The data you enter in the App belongs to you, and you are responsible for its content. It is stored on your device and synced to our server to allow backup and multi-device access.

We take care of security and backups, but for technical reasons we cannot guarantee that data loss will never occur, especially for data that has not been synced yet (e.g. while offline).

9. Acceptable use

In particular, you may not:

  • use the App unlawfully or in breach of these Terms,
  • provide unlawful content,
  • attempt to gain unauthorised access to the App, its infrastructure or other Users' data,
  • circumvent limits, security measures or payments,
  • send automated bulk requests, including to the Scanner,
  • copy, resell, decompile or modify the App beyond what the law allows.

The App, its design, code and marks are protected by law. You receive a non-exclusive, non-transferable licence to use the App for personal purposes for the duration of the agreement.

10. Liability

We work to keep the App running correctly and without interruption. However, technical breaks, updates or outages of third-party services may occur.

To the extent permitted by law, the Provider is not liable for:

  • financial decisions made based on data in the App,
  • errors in data entered by the User or confirmed by the User after reading by the Scanner,
  • consequences of sharing your Account or sign-in details with others,
  • interruptions caused by reasons beyond the Provider's control.

These provisions do not exclude or limit the Provider's liability towards Consumers where the law does not allow it, nor liability for damage caused intentionally. Consumers have the rights provided by consumer protection law, including regarding the conformity of digital content and services with the contract.

11. Third-party services

The App uses third-party services, including for sign-in (Google, Apple), sync (Supabase), payments (App Store, Google Play, RevenueCat), receipt reading (Google, Anthropic) and analytics (PostHog). Using the app stores and Google or Apple sign-in is also subject to their own terms.

12. Complaints

Send complaints about the App to support@monelo.app. Describe the problem, give your Account email and, if possible, the App version and device model.

We will reply within 14 days of receiving the complaint, by email to the address it was sent from.

Complaints about payments and refunds are handled by Apple or Google under their own rules (see the Subscription Terms).

Consumers may also use out-of-court complaint and redress procedures available in their country, such as consumer ombudsmen or consumer protection authorities.

13. Changes to the App

The App is actively developed. We may add, change or withdraw features for technical, legal, security or development reasons. Without your consent, changes may not reduce the scope of paid Premium during a paid period, unless required by law or security.

We may require you to update the App to a newer version where needed for security or technical reasons.

14. Changes to these Terms

We may change these Terms for important reasons, such as changes in the law, App features or providers, or to improve security. We will notify you in the App or by email at least 14 days before the changes take effect. If you don't accept them, you can delete your Account before that date.

15. Final provisions

These Terms are governed by Polish law. For Consumers, this choice of law does not deprive them of the protection of mandatory provisions of the country of their habitual residence.

Disputes are resolved by the competent common courts under applicable law.

If any provision is found invalid, the remaining provisions stay in force.

These Terms are available free of charge on this page in a form that lets you download, store and print them.

16. Contact

For anything related to the App and these Terms: support@monelo.app.