Last updated 17 September 2026 · v2026-09-17-draft.1
docs/client/privacy-policy-gap-2026-09-17.md.Moniwyse is a working-title proof of concept for household money tracking. These terms cover how it is offered and what you take on by using it.
To do
Name the contracting entity and its registered address — the same decision as section 1 of the Privacy Policy.
Moniwyse imports and categorises your financial activity and presents budgets, goals and net-worth views. Figures, exchange rates, imported transactions and category suggestions can be incomplete or wrong — categorisation in particular is produced by AI models and is not checked by a human.
Nothing in the product is tax, investment, accounting or legal advice. Do not rely on it for filing, for a loan application, or for any decision that needs an authoritative figure. Check against your bank.
You are responsible for keeping your sign-in details secure, for the accuracy of data you enter, and for who you invite into your household. Anyone you invite can see the household's financial records. If you add another person's financial information, you are responsible for having the standing to do so.
Connecting a mailbox or a bank is optional and always yours to revoke. We use read-only access. How that data is handled is set out in the Privacy Policy, and you are asked to agree to it separately before any connection is made.
Free households have usage limits on categories, daily AI suggestions and connected data sources so the workspace stays usable without a paid plan. Paid billing is not live.
To do
Add billing, refund and cancellation terms before charging anyone.
We may change or reset demo data without notice. Do not put production secrets or real BVN values into shared demo accounts.
To do
Counsel to draft: limitation of liability, warranty disclaimer, suspension and termination rights, dispute resolution, and governing law.
This is the part of the document that actually needs a lawyer. I have not written placeholder clauses here, because a plausible-looking but unreviewed liability clause is more dangerous than an obvious gap.
These terms are versioned, and the version you agreed to was recorded at sign-up. Material changes will be notified rather than taking effect silently.