Terms of Service
These Terms of Service (“Terms”) form a legally binding agreement between you and Michael C. Barilla, doing business as Monthie (“Monthie,” “we,” “us,” or “our”), governing your access to and use of the Monthie mobile application and related services (the “Services”). By creating an account or using the Services, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Services.
We may update these Terms from time to time (see “Changes to These Terms” below). Your continued use of the Services after an update takes effect means you accept the revised Terms.
1. Eligibility
You must be at least 18 years old and able to form a binding contract to use the Services. The Services are not directed to children, and by using them you represent that you are 18 or older.
2. The Services
Monthie is a personal finance tracking tool. You manually record and organize your assets, debts, income, expenses, recurring items, and account balances to see an overview of your finances. Monthie does not connect to banks or financial institutions, import transactions, or move money — all financial data is entered by you. Accounts are secured with an email and password, with email verification via one-time codes.
3. No Financial Advice
Monthie is provided for informational and personal organizational purposes only. It does not provide financial, investment, tax, accounting, or legal advice, and nothing in the Services constitutes a recommendation to take or refrain from taking any action. Any calculations, summaries, or overviews are based solely on the information you enter and may not be accurate or complete. You are solely responsible for your own financial decisions and should consult a qualified professional before making any financial, investment, or tax decisions. Your use of the Services is at your own risk.
4. Your Account
You are responsible for the accuracy of the information you provide, for keeping your password confidential, and for all activity that occurs under your account. Notify us promptly at [email protected] if you suspect unauthorized use. We may suspend or terminate accounts that provide false information or violate these Terms. You must accept the then-current Terms and Privacy Policy to register, and we may require you to re-accept updated versions to continue using the Services.
5. License to Use the Services
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your own personal, non-commercial use. All software, content, designs, text, graphics, trademarks, and logos in the Services are owned by us or our licensors and are protected by law. Except as expressly permitted, you may not copy, modify, distribute, sell, or exploit any part of the Services without our prior written permission. We reserve all rights not expressly granted to you.
6. Acceptable Use
You agree not to:
- use the Services for any unlawful purpose or in violation of any applicable law;
- access or use another person’s account or data without authorization;
- attempt to access, probe, scan, or disrupt the Services, our systems, or other accounts;
- reverse engineer, decompile, or circumvent any security features or rate limits;
- upload or transmit any malicious code, or interfere with the integrity or performance of the Services;
- scrape, harvest, or systematically retrieve data from the Services without our written permission;
- use the Services to advertise or offer to sell goods or services; or
- sell, rent, or otherwise transfer your account or profile to another party.
7. Your Data and Feedback
You retain ownership of the information you enter. You grant us the limited license needed to host, process, and display that information to operate the Services for you. You can export your data at any time from within the app, and you can permanently delete your account and data as described in our Privacy Policy and at monthie.app/data-request. If you send us feedback, suggestions, or ideas, you grant us an unrestricted right to use them without obligation or compensation to you.
8. Services Management, Availability, and Changes
We may modify, suspend, or discontinue any part of the Services at any time, and we may monitor the Services for violations of these Terms and take appropriate action. We aim for reliable availability but do not guarantee that the Services will be uninterrupted, secure, or error-free.
9. Disclaimers
THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS OR THAT ANY DATA, CALCULATIONS, OR OUTPUTS ARE ACCURATE, COMPLETE, OR RELIABLE.
10. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONTHIE AND ITS OWNER WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR SAVINGS, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (USD $100). Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
11. Indemnification
You agree to defend, indemnify, and hold harmless Monthie and its owner from and against any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from your use of the Services, your violation of these Terms, or your violation of any law or third-party right.
12. Term and Termination
These Terms remain in effect while you use the Services. You may stop using the Services and delete your account at any time from within the app. We may suspend or terminate your access if you violate these Terms or to protect the Services or other users. Provisions that by their nature should survive termination (including Sections 3, 7, 9–11, and 13) will survive.
13. Governing Law and Dispute Resolution
These Terms are governed by the laws of the State of New York, without regard to its conflict-of-laws rules. You agree that any dispute arising out of or relating to these Terms or the Services will be resolved exclusively in the state or federal courts located in the State of New York, and you consent to personal jurisdiction and venue there.
Time limit on claims: Any claim or cause of action you may have arising out of or relating to these Terms or the Services must be commenced within one (1) year after the claim or cause of action arises; otherwise, it is permanently barred.
14. Changes to These Terms
We may update these Terms from time to time. When we make changes, we will update the version and “Last updated” date above, and for material changes we will notify you by email and/or by prompting you to review and accept the updated Terms in the app. Your continued use of the Services after the changes take effect constitutes acceptance of the revised Terms.
15. Miscellaneous
These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Services. If any provision is found unenforceable, the remaining provisions remain in effect. Our failure to enforce any right or provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
16. Contact Us
Questions about these Terms? Contact Michael C. Barilla (dba Monthie) at [email protected].