Money Diary — Terms & Conditions

1. Agreement to these Terms

These Terms & Conditions (“Terms”) are a legal agreement between you (“you”, “the user”) and Metachanic (“Metachanic”, “we”, “us”, “our”), the developer and publisher of the Money Diary mobile application (“Money Diary”, “the App”).

By downloading, installing or using the App, you agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not install or use the App, and remove it from your device.

If you obtained the App from the Google Play Store, the Google Play Terms of Service also apply to that download. Where those store terms conflict with these Terms in respect of the store transaction, the store terms prevail for that transaction.

2. What Money Diary is

Money Diary is a personal expense diary. Its purpose is to let you record what you spend and review it later. In normal use you:

enter an amount, attach one or more tags, and optionally add a note and a date;
analyse your spending by tag and by time period, and compare a period against an earlier one;
save searches you run often and choose which ones appear on your home screen;
pick a display currency and an interface language (six are available);
optionally load sample data to explore the App before entering your own.

The App runs entirely on your device. It has no account, no login and no server operated by us, it works fully offline, and it stores your entries in a private local database on the device. See the Privacy Policy for details on how data is handled.

3. Eligibility

You must be old enough to form a binding contract and to use app stores in your country. If you are a minor in your jurisdiction, you may use the App only with the involvement of a parent or legal guardian who accepts these Terms on your behalf. The App is a general-purpose utility and is not directed at children.

4. Licence to use the App

Subject to these Terms, Metachanic grants you a personal, worldwide, non-exclusive, non-transferable, non-sublicensable and revocable licence to install and use one copy of the App on devices that you own or control, for your own personal, non-commercial use.

This licence does not transfer any ownership rights, and it does not permit you to:

sell, rent, lease, sublicense, distribute or otherwise make the App available to third parties;
copy, modify, adapt, translate or create derivative works of the App, except where this restriction is prohibited by applicable law;
reverse engineer, decompile or disassemble the App, or attempt to derive its source code, except to the limited extent that applicable law expressly permits despite this limitation;
remove, obscure or alter any proprietary notices in the App;
use the App to build a competing product or to copy its features or design;
use the App in any unlawful way, or in a way that infringes the rights of others.

5. Your data and your entries

The content you record in the App — amounts, tags, notes, dates, saved searches, home-screen layout and settings — is yours. It is stored only on your device, in the App’s private storage, and we neither receive it nor have access to it.

Because your entries live only on your device, you are responsible for keeping your own backups. Clearing the App’s storage, uninstalling the App, losing the device, or a device fault can permanently erase your entries. Make an export or a device backup before uninstalling or clearing storage if you want to keep your records.

Money Diary does not upload, sync or back up your data anywhere. Recovery after data loss is only possible from a backup that you made yourself.

6. Acceptable use

You agree not to:

use the App in violation of any applicable law or regulation;
interfere with or disrupt the integrity or performance of the App or a device on which it runs;
attempt to gain unauthorised access to any part of the App or its related systems;
use automated means to access the App in a way that is not part of its intended, on-device functionality.

The App is a record-keeping tool. You are solely responsible for the accuracy and legality of the information you choose to enter.

7. Price — the App is free

Money Diary is provided free of charge. It contains no advertising, no in-app purchases and no subscriptions, and no feature is locked behind a payment. We do not ask you for payment details and do not process payments through the App.

If a paid feature were ever introduced in a future version, it would be clearly marked as optional and priced before purchase, and these Terms would be updated first.

8. Intellectual property

The App, including its software, source code, user interface, design, text, graphics, the “Money Diary” name and the Metachanic name and logo, is owned by Metachanic or its licensors and is protected by copyright, trademark and other laws. Except for the limited licence in Section 4, no rights are granted to you.

Feedback or suggestions you send us about the App are given voluntarily, and we may use them without any obligation to you.

9. Third-party services

The App is distributed through, and updated by, the Google Play Store, and it runs on top of standard operating-system components provided by your mobile platform. Those providers operate under their own terms and privacy policies, which are outside our control. The App itself does not embed third-party advertising, analytics, crash-reporting or user-tracking components.

10. Updates, changes and availability

We may release updates, and we may add, change or remove features of the App at any time. Your device or store settings may install updates automatically. We may also stop publishing or supporting the App, or a particular version of it, without liability to you. A copy already installed on your device will keep working for as long as your device and operating system allow, subject to these Terms.

11. Not financial advice

Money Diary is an informational record-keeping and analysis tool only. Its totals, comparisons and other outputs are calculated from the data you enter and are provided for your own reference. They are not financial, accounting, tax, investment or legal advice, and you should not rely on the App as a substitute for a qualified professional. You are responsible for verifying any figure before acting on it.

12. Disclaimer of warranties

To the fullest extent permitted by applicable law, the App is provided “as is” and “as available”, without warranties of any kind, whether express, implied or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

We do not warrant that the App will be uninterrupted, error-free or free of defects, that calculations or results will be accurate or complete, or that data stored on your device will not be lost or corrupted.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. Nothing in this section removes or limits any non-excludable rights you have under the mandatory consumer-protection law of your country of residence (see Section 15).

13. Limitation of liability

To the fullest extent permitted by applicable law, Metachanic and the people working on the App will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or records, or for the cost of reconstructing lost data, arising out of or relating to your use of, or inability to use, the App — even if we have been advised of the possibility of such damages.

To the extent liability cannot be excluded but can be limited, our total aggregate liability arising out of or relating to the App and these Terms is limited to the greater of (a) the amount you paid us for the App in the twelve months before the claim (which, for a free app, is zero) or (b) EUR 50.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under applicable law. Because the App collects and transmits no personal data, these Terms do not seek to limit any statutory remedy you may have under data-protection law.

14. Indemnity

You agree to indemnify and hold Metachanic harmless from third-party claims, damages and reasonable expenses arising from your unlawful use of the App or your breach of these Terms. This section does not apply to the extent a claim results from our own breach of these Terms or our negligence, and it does not apply where you are acting as a consumer and applicable law does not permit such an indemnity.

15. Your statutory consumer rights

If you use the App as a consumer, you have rights under the mandatory law of your country of residence — for example, in the European Union, rights relating to the conformity of digital content and services, and, in other jurisdictions, comparable consumer guarantees. Nothing in these Terms affects those rights where they cannot be waived by agreement. Where a term in these Terms would give you less protection than such mandatory law, the mandatory law applies.

16. Term and termination

These Terms apply while the App is installed on your device. You may end them at any time by uninstalling the App and deleting all copies. We may suspend or end your licence if you materially breach these Terms; on termination, you must stop using the App and remove it. Sections that by their nature should survive termination — for example intellectual property, disclaimers, limitation of liability, indemnity and governing law — continue to apply.

17. Governing law and disputes

These Terms are governed by the laws of the Republic of Bulgaria and, where applicable, of the European Union, without regard to conflict-of-laws rules.

If you are a consumer resident in the EU or the UK, this choice of law does not deprive you of the protection of mandatory provisions of the law of your country of residence, and you may bring proceedings in the courts of your country of residence. EU consumers can also use the European Commission’s Online Dispute Resolution platform. Subject to the foregoing, the courts of Bulgaria have jurisdiction over disputes arising out of these Terms.

We would rather resolve any issue directly first — please contact us at the address below before starting formal proceedings.

18. Changes to these Terms

We may update these Terms to reflect changes to the App, to the law, or to app-store requirements. When we do, we will change the “Last updated” date at the top of this page. Material changes will be posted here before they take effect. Your continued use of the App after a change means you accept the updated Terms; if you do not accept them, stop using the App and uninstall it.

19. Severability and entire agreement

If any provision of these Terms is held unenforceable, that provision will be limited or removed to the minimum extent necessary, and the remaining provisions stay in full effect. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, are the entire agreement between you and Metachanic regarding the App and replace any prior understanding on that subject.

20. Contact

If you have any questions about these Terms or about Money Diary, contact:

Metachanic
Email: support@metachanic.com

Public URL for these Terms (use the same one in Google Play Console):
https://metachanic.com/app/money-diary/terms-and-conditions