Terms of Use

These Terms and Conditions govern your access to and use of the Monohroshi mobile application, website, and related services. By accessing or using Monohroshi, you agree to be bound by these Terms.

1. Service operator

Monohroshi is operated by Sole Proprietor Rostyslav Ihorovych Lytvyn, located in Lviv, Ukraine, Pryrodna 10. If you have questions about these Terms, contact support@monohroshi.com.

2. What Monohroshi is

Monohroshi is a personal finance management service that helps users track expenses, income, balances, budgets, savings goals, analytics, and related financial activity. Certain features may include AI-based summaries, insights, or suggestions.

Monohroshi is not a bank, brokerage, lender, payment institution, financial adviser, tax adviser, accountant, or law firm.

3. Eligibility

You may use Monohroshi only if you have legal capacity to enter into a binding agreement under applicable law. If you are under the age of majority in your jurisdiction, you may use the service only with the involvement and permission of a parent or legal guardian, and that adult is responsible for your use of the service.

4. Accounts and access

You may need to create an account to use some features. You are responsible for keeping your login credentials secure and for all activity that occurs under your account. You agree to provide accurate information and to update it when necessary.

We may suspend or restrict access if we reasonably believe your account is being used unlawfully, abusively, fraudulently, or in a way that creates risk for the service or other users.

5. Shared spaces and invitations

Monohroshi may allow you to create or join shared financial spaces. If you invite others or join a shared space, some information, including workspace-related financial content and participant information, may be visible to other members as necessary for the collaboration feature to function.

You are responsible for using shared features carefully and for inviting only people you trust.

6. Acceptable use

You agree not to:

• use Monohroshi for unlawful, fraudulent, deceptive, or abusive purposes;
• attempt to gain unauthorized access to accounts, systems, or data;
• interfere with the security, integrity, or performance of the service;
• reverse engineer, scrape, copy, or exploit the service beyond what is permitted by law;
• upload malicious code, spam, or content that infringes the rights of others;
• use AI features in a way that violates law, third-party rights, or these Terms.

7. Your content and data

You retain ownership of the information and content you submit to Monohroshi. You grant us a limited right to host, process, store, display, transmit, and use that content only as necessary to operate, maintain, secure, and improve the service and to provide features you request.

You are responsible for the accuracy, legality, and appropriateness of the data you input into the service.

8. Financial information disclaimer

Monohroshi provides organizational tools, analytics, and general information only. Nothing in the service is financial, investment, tax, accounting, legal, or other professional advice. You are solely responsible for your financial decisions and for verifying information before acting on it.

9. AI feature disclaimer

AI-generated responses may be incomplete, inaccurate, out of date, or unsuitable for your circumstances. AI outputs are provided for general informational assistance only and should not be relied on as a substitute for professional advice.

10. Paid features, billing, and subscriptions

Some parts of Monohroshi may be offered on a paid or subscription basis. If you purchase a subscription through Apple, Google, or another platform, billing, renewals, cancellations, refunds, and payment processing are generally handled by that platform and are subject to its rules in addition to these Terms.

We may change pricing, packaging, or feature availability from time to time to the extent permitted by law and platform rules.

11. Intellectual property

The Monohroshi service, including its branding, software, design, text, graphics, interfaces, and non-user content, is owned by us or our licensors and is protected by intellectual property laws. Except as expressly permitted, you may not copy, modify, distribute, sell, lease, sublicense, or create derivative works from the service.

12. Third-party services

Monohroshi may rely on or link to third-party services, including authentication providers, analytics tools, notification systems, AI providers, and app store platforms. We are not responsible for the independent practices or terms of those third parties.

13. Service availability and changes

We may modify, update, suspend, or discontinue any part of the service at any time, including adding or removing features. We do not guarantee that Monohroshi will always be available, error-free, or uninterrupted.

14. Termination

You may stop using Monohroshi at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if your use creates risk or harm for the service, us, or other users.

15. Disclaimer of warranties

To the maximum extent permitted by law, Monohroshi is provided on an “as is” and “as available” basis, without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

16. Limitation of liability

To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, use, business opportunity, or financial loss arising from or related to your use of Monohroshi.

To the maximum extent permitted by applicable law, our total liability for claims arising out of or relating to the service will not exceed the amount you paid us for the service during the twelve months before the event giving rise to the claim, or EUR 100 if you did not pay for the service.

17. Indemnity

To the extent permitted by law, you agree to defend, indemnify, and hold harmless Monohroshi and its operator from claims, liabilities, damages, losses, and expenses arising out of your misuse of the service, your content, or your violation of these Terms or applicable law.

18. Governing law

These Terms are governed by the laws of Ukraine, except to the extent that mandatory consumer protection law in your jurisdiction provides otherwise. Any dispute relating to these Terms or the service will be resolved in the competent courts of Ukraine unless applicable law requires a different venue.

19. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we may provide notice through the app, website, or other reasonable means. Your continued use of the service after updated Terms take effect means you accept the revised Terms.

20. Contact

If you have questions about these Terms, contact:

Sole Proprietor Rostyslav Ihorovych Lytvyn
Lviv, Ukraine, Pryrodna 10
support@monohroshi.com