MoneyFlux
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Download on the App Store
Download on the App Store

Terms of Use

Effective: Last updated:

Contents

Please read these Terms of Use (“Terms”) carefully before using MoneyFlux (“the App”). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

The App is developed and published by Taras Chernysh, an independent software developer based in Ukraine (“we”, “us”, “the Developer”).

1. Licence

Subject to your compliance with these Terms and with Apple’s Licensed Application End User License Agreement, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to install and use MoneyFlux on Apple-branded devices that you own or control, for your own personal, non-commercial use.

This licence is subject to the Usage Rules set out in Apple’s Media Services Terms and Conditions. The App may also be accessed and used by other accounts associated with you through Family Sharing or volume purchasing, where Apple makes those features available.

2. What MoneyFlux Is — and What It Is Not

MoneyFlux is a personal bookkeeping and record-keeping tool. It helps you record accounts, transactions, savings goals, recurring payments, loans, assets and trading positions, and to import bank statement files that you provide yourself.

MoneyFlux is not:

  • a bank, payment institution, money transmitter, or financial services provider;
  • a source of financial, investment, tax, accounting, or legal advice;
  • connected to your bank — the App cannot access your bank accounts, initiate payments, or move money;
  • an authoritative record of your finances;
  • a source of AI-generated financial analysis you can rely on.

Always verify balances and transactions with your bank or financial institution. Any decision you make on the basis of information shown in the App is your own responsibility. Imported and calculated figures may contain errors, particularly where a bank changes its statement format.

2.1 The AI assistant’s answers

Answers from the optional AI assistant are produced by a third-party language model from a summary of figures your device calculated. The model is instructed never to calculate, never to convert a currency, never to forecast, value anything, or recommend an action, and to refuse questions that ask for any of those.

Those instructions constrain it; they do not guarantee it. A generated answer may be incomplete, mistaken, or state something that your records do not support. Treat every answer as a draft observation about figures you can already see for yourself — not as a finding.

The assistant is not financial, investment, tax, accounting, or legal advice, and nothing it writes is a recommendation to buy, sell, follow, stop following, hold, or pay anything. Verify anything you act on against your own records and your bank. Any decision you take is your own.

Availability of the assistant depends on third-party services and is subject to usage limits. What it sends, and to whom, is described in section 9 of the Privacy Policy.

3. Your Responsibilities

You agree to:

  • use the App only for lawful purposes and in compliance with applicable law;
  • import only statements and financial data that you are entitled to access;
  • maintain the security of your device and your Apple Account;
  • keep your own backups of important data (see Section 6);
  • not reverse-engineer, decompile, or disassemble the App except to the extent this restriction is prohibited by applicable law;
  • not attempt to circumvent any technical limitation, resell, sublicense, rent, or redistribute the App;
  • not use the App to build a competing product or to extract its source data structures for commercial purposes.

3.1 Using the AI assistant

If you switch the AI assistant on, you additionally agree to:

  • use it only through MoneyFlux, and only for your own personal records;
  • not call, script, automate, load-test, or reverse-engineer the service the App connects to, not attempt to obtain credentials from it, and not attempt to use it as a general-purpose text or code generator;
  • not submit content that is unlawful, that infringes anyone’s rights, or that contains another person’s personal data;
  • not attempt to circumvent the assistant’s instructions, its safety constraints, or its usage limits — including by means of instructions embedded in text you import;
  • comply with OpenAI’s usage policies, which apply to everything sent through the assistant: https://openai.com/policies/usage-policies.

Access is limited per device per month and by an overall ceiling. We may throttle, suspend, or withdraw assistant access — for one device or for everyone — where there is abuse, excessive cost, a security concern, or a third-party outage, with or without notice. Doing so does not entitle you to a refund of the subscription, which covers the App’s other Premium features as well.

4. Your Data

MoneyFlux stores your data on your device and, through Apple’s CloudKit, in your own private Apple iCloud account. You retain all rights to the content you create in the App.

We do not receive your ledger. Two things do leave the App: your subscription receipt, and — only if you switch the AI assistant on — a summary of figures your device has calculated. Both are described in our Privacy Policy.

How data is handled is described in our Privacy Policy, which forms part of these Terms.

5. Bank Statement Import

The App can parse statement files from certain financial institutions — currently PrivatBank and MonoBank CSV statements; Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF statements; OFX, QFX and QBO files from any bank; and the CSV export of the Saldo app — as well as a CSV format for trading positions. These parsers are provided as-is and are not endorsed by, affiliated with, or supported by those institutions. Banks may change their file formats at any time, which may cause import to fail or to produce incorrect results. You are responsible for reviewing imported transactions before relying on them.

All bank names, logos, and trademarks referenced in the App belong to their respective owners and are used solely for identification purposes.

6. Backups and Data Loss

You are solely responsible for backing up your data. The Developer is not responsible for any loss or corruption of data, whether caused by device failure, loss or theft of a device, deletion of the App, iCloud errors or outages, operating-system updates, or defects in the App. We strongly recommend keeping a device backup and, where the App offers export functionality, exporting your data periodically.

7. Price and Availability

MoneyFlux is free to download, and the core ledger is free to use. Some features are part of MoneyFlux Premium, a single subscription group offering two auto-renewing options:

  • Monthly — USD 4.99, renewing every month;
  • Annual — USD 29.99, renewing every year, with a 7-day free trial.

The prices above are US App Store prices. Your local price and currency are shown by the App Store before you buy and may differ.

  • Payment is charged to your Apple Account at confirmation of purchase.
  • The subscription renews automatically at the same price and period unless you cancel 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.
  • Manage or cancel your subscription in your Apple Account settings (Settings → your name → Subscriptions). Deleting the App does not cancel the subscription.
  • If you take the free trial and then subscribe, any unused portion of the trial is forfeited where Apple’s rules so provide.

If a subscription lapses, you keep read access to everything you have already created, export remains available to anyone who has ever subscribed, and restoring a JSON backup is never gated.

We may change prices, or the contents of Premium, for future periods. A price change takes effect only after the notice and consent that Apple requires. Features you already have will not be removed retroactively without notice.

The Developer does not process payments and cannot issue refunds. Refund requests must be made to Apple at https://support.apple.com/billing.

8. Updates, Changes, and Discontinuation

We may modify, suspend, or discontinue the App or any of its features at any time, with or without notice. We may release updates that change functionality. We are not obliged to provide support, maintenance, or updates for any particular period. This includes the AI assistant, which depends on third-party services and may be limited, interrupted, or withdrawn; its availability is not part of what a subscription guarantees.

9. Intellectual Property

The App, including its source code, design, user interface, graphics, and name, is owned by the Developer and protected by copyright and other intellectual-property laws. Except for the licence granted in Section 1, no rights are transferred to you. Third-party open-source components included in the App remain subject to their own licences.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE”, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT CALCULATIONS, IMPORTS, OR CATEGORISATIONS WILL BE ACCURATE OR COMPLETE.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. Nothing in these Terms limits consumer rights that cannot be waived under the law of your country of residence.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE DEVELOPER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR FINANCIAL LOSS ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE APP — INCLUDING LOSSES RESULTING FROM FINANCIAL DECISIONS MADE IN RELIANCE ON THE APP.

TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, THE DEVELOPER’S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID FOR THE APP AND ANY MONEYFLUX SUBSCRIPTION IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) USD 50.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of the above may not apply to you. Nothing in this section excludes or limits liability for death or personal injury caused by negligence, for fraud, for any liability that cannot be excluded or limited under applicable data protection law, or for any other liability that cannot be excluded under the law of your country of residence, and nothing here limits consumer rights that cannot be waived under that law.

12. Indemnity

You agree to indemnify and hold harmless the Developer from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of the App or your breach of these Terms or of applicable law.

13. Apple-Specific Terms

You acknowledge that:

  • these Terms are concluded between you and the Developer only, not with Apple, and Apple is not responsible for the App or its content;
  • your licence to use the App is non-transferable, is limited to use on Apple-branded products that you own or control, and is subject to the Usage Rules set out in Apple’s Media Services Terms and Conditions;
  • Apple has no obligation to furnish any maintenance or support services for the App;
  • the Developer, not Apple, is solely responsible for providing any maintenance and support for the App. Support requests should be sent to support@moneyflux.app;
  • in the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App;
  • Apple is not responsible for addressing any claims by you or a third party relating to the App, including product-liability, regulatory-compliance, or consumer-protection claims;
  • in the event of a third-party claim that the App infringes intellectual property rights, the Developer, not Apple, is solely responsible for the investigation, defence, settlement, and discharge of that claim;
  • you represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and are not on any U.S. Government list of prohibited or restricted parties;
  • you must comply with any applicable third-party terms of agreement when using the App;
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you.

14. Termination

These Terms remain in effect until terminated. Your licence terminates automatically if you breach these Terms. You may terminate at any time by deleting the App from your devices. Sections 4, 6, and 9–13 survive termination.

15. Governing Law

These Terms are governed by the laws of Ukraine, without regard to conflict-of-law principles. If you are a consumer residing in the European Union, the United Kingdom, or another jurisdiction with mandatory consumer-protection rules, you retain the protection of the mandatory provisions of the law of your country of residence.

16. Changes to These Terms

We may update these Terms from time to time. The revised version will be posted on this page with a new “Last updated” date. Your continued use of the App after the changes take effect constitutes acceptance of the revised Terms. If you do not agree, stop using the App and delete it.

17. Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force. These Terms, together with the Privacy Policy and Apple’s Licensed Application End User Licence Agreement, constitute the entire agreement between you and the Developer regarding the App.

18. Contact

Taras Chernysh

Independent developer, Ukraine

Email: support@moneyflux.app