MONEYOS Beta · last updated October 2026
Terms of Service
Beta draft. This document has not yet been reviewed by legal counsel and must be reviewed before a commercial launch.
Using MONEYOS
MONEYOS helps you understand and plan your personal finances using information you enter. By using it you agree to these terms.
Beta status
MONEYOS is an early version in private beta. Features may change, be removed or be temporarily unavailable, and data formats may change. Please keep your own records of important financial information.
Your account
You are responsible for keeping your sign-in details safe and for activity on your account. Use a real email address and don't share your account.
Your responsibilities
Enter information you are allowed to use and that is accurate to the best of your knowledge. Don't misuse the service, try to access other people's data, or interfere with its operation.
Financial information — not advice
MONEYOS is not a bank, broker, investment manager or regulated financial adviser. Everything it shows — available to spend, forecasts, scenarios, findings and assistant answers — is information and decision support based on the data you entered. You make your own financial decisions. MONEYOS never moves money, makes payments, trades or cancels anything for you.
AI limitations
The assistant's numbers come from MONEYOS's calculations; AI is only used to rephrase them. Explanations can still be incomplete or unclear. Check important decisions yourself.
Forecasts and scenarios
Forecasts and What If results are estimates based on past patterns and your settings. They are not predictions you can rely on, and there is no guarantee of any financial outcome.
Availability
We aim to keep MONEYOS available but don't guarantee uninterrupted service during the beta.
Ending your use
You can delete your account at any time in Settings. We may suspend or end accounts that misuse the service, and may end the beta with reasonable notice.
Intellectual property
MONEYOS, its design and software belong to the MONEYOS team. Your data remains yours.
Limitation of liability
To the extent permitted by applicable law, MONEYOS is provided "as is" during the beta and we are not liable for financial decisions made based on it or for indirect losses. Nothing in these terms limits rights you have under mandatory consumer law.
Contact
Use the feedback form in Settings, or the channel you were invited by.