Terms of service

1. Who you are dealing with

These terms are an agreement between you and SmartX s.r.o., Račianska 4, 831 02 Bratislava, Slovakia, company ID (IČO) [IČO], registered in the Commercial Register of the Bratislava III Municipal Court, section Sro, file no. [file no.] ("we", "us"). They apply to the moneyinbox mobile app and to this website (together, "moneyinbox"). Contact us at privacy@moneyinbox.app.

By creating an account you accept these terms. Our privacy policy explains how we handle your data.

2. Who can use moneyinbox

You must be at least 16 years old. You may connect only Gmail accounts that you own or are authorized to use. You are responsible for keeping access to your phone and your Google account secure.

3. What moneyinbox does, and what it does not

moneyinbox reads your Gmail with read-only access, uses automated rules and AI to identify emails about bills, failed payments, renewals and refunds, and shows you what it finds.

• No guarantee of completeness. moneyinbox can miss an email, misread an amount or a date, or flag something that does not need attention. When it shows nothing, that means it has not detected anything that needs your attention, not that you have nothing to pay.
• You stay responsible. You remain responsible for paying your bills on time and for checking important details against the original email or the sender.
• Not financial advice. moneyinbox is not a bank, a payment service or a financial adviser. It does not connect to your bank, does not make payments and never moves money on your behalf.

4. Free and Premium

moneyinbox has a free plan with usage limits and a paid Premium subscription with higher limits and additional features. The current limits and prices are shown in the app before you buy.

• Billing. Premium is sold through Apple's App Store or Google Play and billed by them to the payment method on your store account. Their terms apply to the payment.
• Renewal. Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before it ends.
• Cancellation. Cancel in your App Store or Google Play subscription settings. Premium stays active until the end of the period you have paid for. Deleting your moneyinbox account does not cancel the subscription.
• Refunds. Refunds are handled by Apple or Google under their own refund procedures.
• Right of withdrawal. If you are a consumer in the EU, you may have a statutory right to withdraw from the purchase within 14 days. You exercise it through the store you bought from.
• Price changes. We may change prices for future periods. The store will notify you in advance and, where required, ask for your agreement.

5. Acceptable use

You agree not to:

• use moneyinbox unlawfully or to process another person's mailbox without authorization;
• try to access other users' data, or probe, disrupt or overload our systems;
• reverse engineer the app or the service, except where the law allows it;
• resell moneyinbox or use it to build a competing service.

6. Your data and our software

Your emails and data remain yours. You allow us to process them only to provide moneyinbox to you, as described in the privacy policy. moneyinbox, its software, design and name belong to SmartX s.r.o. We grant you a personal, non-transferable right to use the app for as long as these terms apply.

7. Availability and changes to the service

We work to keep moneyinbox available and accurate, but it may sometimes be unavailable, for example during maintenance or when Google's or our providers' services are down. We may change, add or remove features. If a change significantly reduces what you have paid for, we will tell you in advance, and you may cancel.

8. Liability

To the extent the law allows, we are not liable for indirect or consequential loss, or for late fees, penalties, interest or other consequences of a bill or payment that moneyinbox did not detect or detected incorrectly. Otherwise, our total liability to you is limited to the amount you paid us in the 12 months before the claim.

Nothing in these terms limits liability for intent or gross negligence, for death or personal injury, or any other liability that cannot be limited by law. Nothing in these terms affects your mandatory rights as a consumer.

9. Ending the agreement

You can stop using moneyinbox at any time and delete your account in the app under Settings → Delete account. We may suspend or close an account that seriously or repeatedly breaches these terms, and will tell you why unless the law prevents it. We may also discontinue moneyinbox with at least 30 days' notice. In that case, we will explain how to cancel any subscription before its next renewal.

10. App Store terms

If you downloaded moneyinbox from Apple's App Store, these terms are between you and SmartX s.r.o., not Apple. Apple is not responsible for the app, its maintenance or support, or any claims about it. If the app fails to conform to an applicable warranty, you may notify Apple, which may refund the purchase price; Apple has no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. Google Play's terms apply equally if you downloaded the app from Google Play.

11. Changes to these terms

We may update these terms. If a change materially affects you, we will tell you in the app at least 30 days before it takes effect. If you do not agree, you can delete your account before then.

12. Law and disputes

These terms are governed by the law of the Slovak Republic. If you are a consumer, you also keep the protection of the mandatory laws of the country where you live, and you can bring a claim in its courts.

Please contact us first at privacy@moneyinbox.app so that we can try to resolve the issue. Consumers may also use alternative dispute resolution. In Slovakia, the Slovak Trade Inspection (Slovenská obchodná inšpekcia, soi.sk) handles consumer disputes, and so do other authorized entities.