Terms of Service

Last updated: August 2025

Acceptance of Terms

By accessing and using Monétiq, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.

Services Description

Monétiq provides financial management services including but not limited to:

Expense Tracking: Log and categorize your expenses with ease
Budget Management: Create customized budgets and stay on track
Financial Reports: Visualize your financial data with interactive charts
Goal Setting: Set and achieve your financial goals with progress tracking

User Obligations

As a user of Monétiq, you agree to:

Provide Accurate Information: Submit truthful and accurate information
Maintain Security: Keep your account credentials secure and confidential
Comply with Laws: Follow all applicable laws and regulations
Age Requirement: Be at least 18 years old or have parental consent

Data Collection and Security

We collect and process your data solely for security purposes and to provide our services. Your financial information is encrypted and stored securely using industry-standard security measures.

Security Note: We prioritize the security of your data and implement comprehensive security measures to protect your information from unauthorized access, use, or disclosure.

Intellectual Property

All content, features, and functionality of Monétiq are owned by us and are protected by international copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our explicit permission.

Limitation of Liability

Monétiq is provided 'as is' without warranties of any kind. We shall not be liable for any damages arising from the use of our services, including but not limited to:

Financial losses due to data entry errors
Service interruptions or technical issues
Third-party integrations or external services
User decisions based on our recommendations

Termination

We may terminate or suspend your account at any time for violations of these terms. You may also terminate your account at any time by contacting our support team.

Upon termination:

Your access to the service will be immediately revoked
We will retain your data for security and compliance purposes
You may request data deletion within 30 days of termination

Governing Law

These terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Monétiq operates. Any disputes arising from these terms will be resolved through binding arbitration.

Changes to Terms

We reserve the right to modify these terms at any time. We will notify you of any material changes via email or through our application. Your continued use of the service after changes become effective constitutes acceptance of the new terms.

Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: legal@ditolab.com
Response Time: We aim to respond to all inquiries within 2 business days

By using Monétiq, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.