Terms of Service

Agreement to Terms

These Terms of Service (“Terms”) govern your use of Monemalist (“the Service”) operated by Monemalist (“we,” “us,” or “our”). By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these terms, then you may not access the Service.

Our Service is designed to help you manage your personal and business finances. By using Monemalist, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

Eligibility

To use our Service, you must:

• Be at least 18 years old or the age of majority in your jurisdiction
• Have the legal capacity to enter into binding contracts
• Not be barred from using the Service under applicable laws
• Provide accurate and complete registration information
• Maintain the security of your account credentials

Account Responsibilities

When you create an account with us, you are responsible for:

• Maintaining the confidentiality of your account and password
• All activities that occur under your account
• Immediately notifying us of any unauthorized use
• Ensuring all information provided is accurate and current
• Complying with all applicable laws and regulations

We reserve the right to refuse service, terminate accounts, or remove content at our sole discretion.

Service Description

Monemalist provides:

• Personal finance management tools
• Expense tracking and categorization
• Budget planning and monitoring
• Multi-currency support and conversion
• Invoice creation and management
• Financial reporting and analytics
• Data export capabilities
• Collaborative wallet features

The Service is provided for informational purposes only and does not constitute financial, investment, tax, or legal advice.

Acceptable Use Policy

You agree not to use the Service to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Transmit malware, viruses, or harmful code
• Engage in fraudulent or deceptive practices
• Harass, abuse, or harm other users
• Attempt to gain unauthorized access to our systems
• Use automated systems or bots without permission
• Reverse engineer or decompile our software
• Resell or redistribute the Service without authorization

Pricing and Payment

Free Plan

We offer a free plan with basic features. No credit card is required for the free plan.

Paid Plans

For paid plans:

• Pricing is as displayed on our website
• Payments are processed securely through third-party providers
• Subscriptions automatically renew unless cancelled
• You can cancel your subscription at any time
• No refunds for partial months
• We may change prices with 30 days notice

Intellectual Property Rights

Our Property

The Service and its original content, features, and functionality are owned by Monemalist and are protected by international copyright, trademark, and other intellectual property laws.

Your Content

You retain ownership of your financial data and content. By using our Service, you grant us a limited license to use, store, and process your content solely to provide the Service to you.

Privacy and Data Protection

Your use of the Service is also governed by our Privacy Policy. By using Monemalist, you acknowledge that:

• You have read and understood our Privacy Policy
• You consent to the collection and use of your data as described
• You are responsible for maintaining backups of your data
• We implement security measures but cannot guarantee absolute security

Disclaimers

No Financial Advice

Monemalist does not provide financial, investment, tax, legal, or accounting advice. The Service is for informational and organizational purposes only. Always consult qualified professionals for financial decisions.

Service Availability

The Service is provided “as is” and “as available” without warranties of any kind. We do not guarantee:

• Uninterrupted or error-free service
• Accuracy or reliability of information
• That defects will be corrected
• That the Service meets your requirements

Limitation of Liability

To the maximum extent permitted by law, Monemalist shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, data, or use
• Business interruption
• Personal injury or property damage
• Any other losses resulting from use of the Service

Our total liability shall not exceed the amount paid by you to us in the twelve (12) months preceding the claim.

Indemnification

You agree to defend, indemnify, and hold harmless Monemalist and its officers, directors, employees, and agents from any claims, damages, losses, and expenses (including legal fees) arising from:

• Your use of the Service
• Violation of these Terms
• Violation of any rights of another party
• Any content you submit or share

Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason, including:

• Breach of these Terms
• Request by law enforcement
• Extended periods of inactivity
• Fraudulent or illegal activity
• Non-payment of fees

Upon termination, your right to use the Service will cease immediately. You may delete your account at any time through the account settings.

Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of Malaysia, without regard to its conflict of law provisions.

Any disputes arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the Asian International Arbitration Centre (AIAC).

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting the new Terms on this page
• Updating the “Last updated” date
• Sending email notification for significant changes

Your continued use of the Service after changes constitutes acceptance of the new Terms.

Miscellaneous

Entire Agreement

These Terms constitute the entire agreement between you and Monemalist regarding the use of the Service.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Assignment

You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations without restriction.

Contact Information

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