Terms of Service

Last updated: November 5, 2026

Welcome to MoneyFlow. By accessing or using the web application (trymoneyflow.com) you accept these Terms of Service in full. If you do not agree, do not use the service.

1. Definitions

"MoneyFlow" or "app" means the personal finance platform with AI features. "User" means any natural person who registers an account. "Content" includes financial data, descriptions and goals entered by the user.

2. Registration and account

To use MoneyFlow you must create an account by providing a valid email address and a password. You are responsible for keeping your credentials confidential. The account is personal and non-transferable. Minors under 18 may use the app only under the supervision of a parent or guardian.

3. Subscriptions and payments

MoneyFlow offers a free version (LIGHT) and a paid version (PRO) with additional features described in the pricing section of the website. PRO is available as a monthly or yearly plan. The price is the one shown at the time of purchase, in the currency you pay in: for the euro it is currently €5.99 per month or €49.99 per year, VAT included. Anyone who uses MoneyFlow receives, once only, a 30-day free trial of PRO, with no card, which is not available to anyone who has already had a paid PRO subscription: it starts once the app has collected enough transactions to show the analyses and, when the trial ends, you go back to the free plan unless you subscribe. Payment is made via Stripe; we do not store your card details. The subscription renews automatically at the end of each period (month or year, depending on the plan chosen). You can cancel at any time from your account settings: cancellation takes effect at the end of the current billing cycle. Refunds for partial periods are not provided, unless otherwise required by law.

4. AI features and data

The artificial intelligence engines (classification, behavioral analysis, forecasts, Monte Carlo simulations) are based exclusively on the financial data you enter yourself. MoneyFlow does not carry out automated trading or provide personalized financial advice within the meaning of the MiFID II regulations. All forecasts and simulations are for information purposes only and do not constitute recommendations. Financial decisions remain your sole responsibility.

5. User conduct

You agree to: (a) enter only real transactions that belong to you; (b) not use the app for illegal or fraudulent activities; (c) not attempt to circumvent security measures or overload the servers; (d) respect MoneyFlow's intellectual property rights. Any breach may result in the immediate suspension of the account.

6. Intellectual property

All rights to the software, design, logos, text, graphics and source code of MoneyFlow belong to MoneyFlow S.r.l. Copying, modifying, decompiling or creating derivative works without written authorization is not permitted. Your financial data remains your property; you grant us a limited licence to process it in order to provide you with the service.

7. Limitation of liability

MoneyFlow is provided "as is". We give no warranty that the service is error-free or always available. In no event shall we be liable for indirect damages, loss of profits or lost savings arising from the use of, or inability to use, the app. MoneyFlow's total liability to you is limited to the amount you paid in the last 12 months (maximum €50).

8. Changes to Terms

We may update these Terms periodically. We will inform you by email at least 15 days in advance of any substantial changes. By continuing to use MoneyFlow after the change, you accept the new Terms.

9. Governing law and jurisdiction

These Terms are governed by Italian law. For any dispute, the courts of Milan have exclusive jurisdiction, except as provided by consumer protection legislation.

10. Contacts

For any questions about these Terms, write to info@trymoneyflow.com.