Terms of service
These terms apply to the Simple Money app and its online services (cloud backups, exchange rates). Simple Money is provided by Marin Kruzic, Kumičićeva 77, 51000 Rijeka, Croatia ("we", "us"). By using the app you agree to these terms. If you get the app from Google Play or the App Store, that store's terms also apply.
1. What Simple Money is
Simple Money is a personal tool for recording and reviewing your own income, spending and accounts. It does not connect to your bank, move money, give credit or provide financial, investment, tax or legal advice. Figures, conversions and charts in the app are based on what you enter and on exchange rates from public sources, and may contain errors. Do not rely on them alone for important decisions.
2. Your data and your backups
Your records belong to you. They are stored on your phone, and you are responsible for keeping copies: export a backup file regularly, or sign in to use the daily cloud backup. Cloud backups keep the last seven days and are a convenience, not a guarantee; we cannot recover data that was never backed up or was deleted. How we handle personal data is described in the privacy policy.
3. Your account
You can use the app without an account. If you sign in with Google or Apple, keep access to that account secure; anyone who controls it can sign in to Simple Money as you. You can sign out of every phone, or delete your account, at any time.
4. Plans and Pro
The app is free to use, with ads for guests and free accounts. Simple Money Pro, when available, is a subscription that removes ads and adds cloud backups on demand. It will be sold through Google Play or the App Store, which handle payment, renewal, cancellation and refunds under their own rules; manage or cancel it in your store account. Features listed for a plan on the plans page may change; we will not take away a feature you have paid for during a paid period.
5. Fair use
Do not misuse the app or its services: no attempts to access other users' data, to disrupt or overload our servers, to bypass limits or the ad and plan rules, or to use the services for anything unlawful. We may limit or end access for anyone who does. You may not resell the services or copy the app except as your store's licence allows.
6. Availability and changes
The app works offline, but cloud backups and exchange rates depend on our servers and may sometimes be unavailable. We may change, add or remove features. If we ever stop the online services, we will give notice in the app in advance so you can export your data; the data on your phone stays usable.
7. Liability
The app is provided "as is". To the extent the law allows, we are not liable for indirect loss, lost data or lost profits, or for decisions made based on the app. Nothing in these terms limits liability that cannot be limited by law, such as for intent or gross negligence, or your statutory rights as a consumer.
8. Changes to these terms
We may update these terms. For significant changes we will tell you in the app before they apply. If you do not agree, you can stop using the app and delete your account.
9. Law and contact
These terms are governed by Croatian law, without depriving you of the protection of the mandatory consumer law of the country where you live. Questions: support@simplemoney.app.