Terms of Use
These Terms of Service ("Terms") constitute an agreement between you and KO Office Ltd ("MoneySheets”, "we," "us," or "our") that governs your access to and utilization of our website, found at https://moneysheets.io and its associated subdomains (collectively referred to as the "Site"). This also encompasses the personal finance reporting services offered by MoneySheets through the Site (collectively known as the "Services").
We encourage you to read these Terms thoroughly before engaging with the Site and Services. By accessing and using the site and services, you consent to these terms. The Site and Services provided by MoneySheets are intended for individuals who are at least 18 years old and reside in the applicable jurisdiction. We reserve the right to modify and update these Terms at our discretion. All modifications take effect as soon as they are posted or published. Your ongoing use of the Site and Services after any revisions indicates your acknowledgment, acceptance, and agreement to the updated Terms. You agree that it is your responsibility to review this page periodically to stay informed of any changes, as they will be enforceable against you. If you disagree with these Terms or any subsequent amendments, or don't fulfill all eligibility criteria you must stop using the Site and Services right away.
You acknowledge and agree that MoneySheets is not a bank, and does not function as a financial planner, broker, or asset manager. MoneySheets is a Subscription service that provides analytics of your banking transactions. While MoneySheets can be helpful to make financial decisions, you are solely responsible for your financial decisions and spend.
Linking Your Data Source Accounts to MoneySheets’s Services.
You acknowledge that MoneySheets services are to facilitate the regular
update of your personal financial dashboard, pulling data from the banks. By
using the Services, you authorize and direct MoneySheets, either directly or
through MoneySheets’ Data Aggregators, to access your Data Source accounts
that you designate, with the account log-in credentials that you provide, to
retrieve your Financial Data.
You also hereby acknowledge GoCardless,
Ltd is MoneySheets’ Data Aggregators. When you connect a bank account using
Monesheets, one of the mentioned Data Aggregators is collecting this data
and provides it to You. For more information on how GoCardless, Ltd
collects, manages, stores and handles your data, please visit their
corresponding Terms of Services
here.
We may suspend or stop providing our Services to you for any reason
and without notice.
Google Accounts. You may need a Google Account to use some of our Services. Your use of Google’s software and services is governed by Google’s terms and privacy policies. To protect your Google Account and related data provided by MoneySheets, keep your password confidential. You agree that you are responsible for all activity that occurs with relation to your Google Account and Microsoft Account.
Privacy and Data Usage. MoneySheets’s Privacy Policy explains how we treat your personal data and protect your privacy when you use our Site and Services. By using our Services, you agree that MoneySheets can use such personal data accordingly.
Disclaimer of Warranties. You acknowledge and agree that your use of Monesheets’ Site and Services is at your own risk; services are provided on an “as is” basis. We do not provide a warranty that the services will be uninterrupted, secure, error-free and meet your requirements. You are solely responsible for any damage to your equipment.
Non Competition. Restriction on Competition: The user agrees not to use Moneysheets’ products or services, including any data, information, tools, or materials obtained therefrom, to develop, contribute to, or create any product or service that competes with the offerings of Moneysheets’ in any region or market that We operates in. This restriction shall be in effect for 1 Year following the termination of the user's use of Moneysheets’ services.In the event of a breach of this agreement, Moneysheets reserves the right to take legal action against the user to enforce this clause and seek any remedies allowed by law, including but not limited to injunctive relief and damages.
Limitation of Liability. You acknowledge and agree that neither MoneySheets or Service Providers nor any of their affiliates, account providers or any of their affiliates will be liable for any harms, for example but not limited to: direct, indirect, incidental, special, consequential, punitive, or exemplary damages, damages for loss of profits, goodwill, use, data or other intangible losses, even if MoneySheets or Service Providers have been advised of the possibility of such damages, resulting from: (i) the use or the inability to use the services; (ii) the cost of getting substitute goods and services; (iii) any products, data, information or services purchased or obtained or messages received or transactions entered into, through or from the services; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of anyone on the site and services; (vi) the use, in ability to use, unauthorized use, performance or non-performance of any third party account provider site, even if the provider has been advised previously o the possibility of such damages; or (vii) any other matter relating to the services.
Governing Law. You agree that your relationship with MoneySheets under these Terms shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to any choice or conflict of laws, rules or provisions.
For questions regarding these Terms of Service, please contact us at:
help@moneysheets.io.
Updated October 27, 2024