Terms of Service

Effective: 2026-05-25

These Terms of Service ("Terms") govern your use of the Moneta mobile application for iOS and Android (the "Application") and the monetacurrency.com website (the "Website"), together the "Service". By using the Service you agree to these Terms. If you disagree with any part, do not use the Service.

Who we are

The Service is provided by Alexander Kashubin, a sole trader based in Tashkent, Uzbekistan (the "Company", "we", "us"). Contact: alex@monetacurrency.com.

Definitions

• Application — the Moneta software for iOS and Android.
• Application Store — the Apple App Store or Google Play Store from which the Application was downloaded.
• Service — the Application and the Website, together.
• Subscription — a paid plan ("Moneta Plus" or any successor) granting access to premium features.
• In-app Purchase — any purchase made through the Application Store, including a Subscription.
• You — the individual using the Service.

Eligibility

You may use the Service if you are at least 13 years old (or 16 if you live in the European Economic Area). Making a purchase requires that you are of legal age to enter a contract in your jurisdiction, or that a parent or guardian has consented on your behalf as required by the Application Store.

Your account

The Application uses Firebase Anonymous Authentication. A unique, opaque account identifier is created automatically on first launch so your preferences sync across devices. No email or password is required. You are responsible for safeguarding the device, Apple ID, or Google account through which you use the Service.

Subscriptions

Billing

Some features are available only with a paid Subscription. Subscriptions are sold as weekly, monthly, or annual plans. All billing is handled by the Application Store from which you downloaded the Application and is governed by that store's own terms. We do not store or process your payment-card data.

Auto-renewal

Subscriptions automatically renew at the end of each period at the then-current price unless you cancel at least 24 hours before the renewal date.

Cancellation

You can cancel renewal at any time through your Apple ID or Google Play account settings. Cancellation takes effect at the end of the current paid period — you keep your Plus features until then.

Refunds

Refunds are handled by the Application Store under that store's refund policy. We do not process refunds directly because we do not handle the payment. If you are a consumer in the European Union or the United Kingdom, you have a 14-day right of withdrawal from the date of purchase under applicable consumer-protection law; by beginning to use a paid feature within that period you expressly request immediate performance and acknowledge that you will lose the right of withdrawal once the Service has been fully performed.

Price changes

We may change Subscription prices. Price changes take effect at the start of the next billing period and only after the Application Store has obtained your consent where required. Continued use after a price change constitutes acceptance.

In-app purchases

All In-app Purchases are processed by the Application Store and governed by that store's terms. If an In-app Purchase fails to download or function, contact the Application Store; we will assist where we are able.

Acceptable use

You agree not to: (a) reverse engineer, decompile, or attempt to extract source code from the Application except where permitted by law; (b) interfere with the Service, probe for vulnerabilities, or run automated queries; (c) use the Service to violate any law or third-party right; (d) misrepresent your identity in any communication with us; (e) use the Service in jurisdictions where it is prohibited by applicable export controls or sanctions law.

Exchange-rate data

Moneta displays indicative mid-market exchange rates aggregated from central banks, foreign-exchange trading platforms, and other public sources. Rates are for informational purposes only, may be delayed, and do not reflect the rate any bank, broker, money-changer, or merchant will offer you for an actual conversion. You must not rely on Moneta as the sole basis for any financial decision.

Intellectual property

The Service and its content (excluding exchange-rate data sourced from third parties) are owned by the Company and protected by copyright, trademark, and other laws. The "Moneta" name and logo are our trademarks. You may not use them without our prior written consent.

If you believe content available through the Service infringes your copyright, send a notice identifying the work, the location on the Service where it appears, your contact details, and a statement under penalty of perjury that you are authorized to act, to alex@monetacurrency.com.

Feedback

If you send us suggestions or feedback, you grant us a non-exclusive, perpetual, irrevocable, worldwide, royalty-free license to use that feedback to improve the Service. We are under no obligation to compensate you for feedback.

Links to other sites

The Service may link to third-party sites (including the App Store, Google Play, and other vendors). We are not responsible for the content, policies, or practices of those sites.

Termination

We may suspend or terminate your access to the Service at any time if you breach these Terms or if continued service would expose us or other users to harm. You may stop using the Service at any time by uninstalling the Application; this does not by itself cancel any active Subscription, which must be cancelled separately through the Application Store.

Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND DEFECTS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND WARRANTIES ARISING FROM COURSE OF DEALING, COURSE OF PERFORMANCE, OR USAGE OF TRADE. WITHOUT LIMITING THE FOREGOING, THE COMPANY MAKES NO WARRANTY THAT THE SERVICE WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT THE EXCHANGE-RATE INFORMATION WILL BE ACCURATE, CURRENT, OR COMPLETE.

Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY OR ITS LICENSORS, SUPPLIERS, OR SERVICE PROVIDERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, BUSINESS, OR ANY OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE OR THESE TERMS, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE FORM OF ACTION.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO OR ARISING OUT OF THESE TERMS OR THE SERVICE IS DISCLAIMED IN ITS ENTIRETY.

Nothing in these Terms limits or excludes any liability that cannot lawfully be limited or excluded under applicable law. Some jurisdictions do not permit the exclusion of certain warranties or the limitation of liability for incidental or consequential damages, so some of the above limitations may not apply to you.

Consumers in the European Economic Area, the United Kingdom, Switzerland, and other jurisdictions with mandatory consumer-protection laws: nothing in these Terms restricts your statutory rights, including any rights you have against the Application Store as the seller of the Subscription.

Governing law

These Terms are governed by the laws of the Republic of Uzbekistan, without regard to its conflict-of-laws rules, except that consumers retain the mandatory protections of the law of their country of residence — nothing in this section overrides those rights.

Disputes

If you have a complaint, please contact us first at alex@monetacurrency.com so we can try to resolve it informally. EU consumers can also use the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr.

Export controls and sanctions

You represent that you are not located in, and will not use the Service from, a country subject to a comprehensive US, UK, EU, or UN embargo, and that you are not on any government list of prohibited or restricted parties.

Severability

If any provision of these Terms is held unenforceable, it will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force.

Translations

If these Terms are made available in languages other than English, the English text controls in case of conflict.

Changes

We may update these Terms from time to time. The "Effective" date above shows the latest revision. Material changes will be announced in the Application or on the Website.

Contact

Questions about these Terms: alex@monetacurrency.com.