PemoneyTerms of Service
Effective November 3, 2026
These terms govern your use of the Pemoney app and related services ("Pemoney"). By using Pemoney you agree to them. If you don't agree, please don't use Pemoney.
The service
Pemoney helps you see and organize your spending. It shows information retrieved from your financial institutions through our provider Plaid, plus information you enter. Pemoney is a tool for personal tracking only: it is not a bank, does not hold or move money, and does not provide financial, tax, legal or investment advice.
Your account
You must be at least 18 years old and able to form a binding contract. You're responsible for keeping your sign-in secure and for activity on your account. Only connect accounts you are authorized to access.
Bank connections
By connecting an account, you authorize Pemoney and Plaid to retrieve your financial information on your behalf, and you agree to Plaid's End User Privacy Policy. Information from banks can be delayed, incomplete or wrong, and connections can stop working (for example if your bank changes its login). Always rely on your financial institution for official balances and records.
Subscriptions and free trial
- Connecting and syncing banks requires a Pemoney Premium subscription, sold through Google Play, billed monthly or yearly.
- New subscribers may get a free trial (currently 14 days). Unless you cancel before the trial ends, your subscription starts and you're charged the price shown at sign-up.
- Subscriptions renew automatically until you cancel. You can cancel any time in the Google Play Store (Payments & subscriptions). Cancelling stops future renewals; you keep access until the end of the period you paid for.
- Payments, refunds and billing are handled by Google Play under Google Play's terms and refund policies. For example, within 48 hours of a charge you can ask Google Play for a refund. A refunded subscription ends right away and your banks are disconnected.
- Deleting your account doesn't refund a charge by itself.
- We may change prices; changes apply from your next billing period, and Google Play will notify you as its rules require.
- If your subscription ends, your banks are disconnected and your data is kept for a limited time as described in our Privacy Policy.
Acceptable use
Don't misuse Pemoney: don't try to access other people's data, interfere with or reverse-engineer the service beyond what the law allows, or use it for anything illegal.
Your content
Information you add (notes, categories, receipt photos and so on) stays yours. You give us permission to store and process it only to provide Pemoney to you.
Ending use
You can stop using Pemoney and delete your account at any time in the app (Settings → Delete account). We may suspend or end access if you violate these terms or if we stop offering the service; if we discontinue Pemoney, we'll give reasonable notice where possible. We may also delete an account that has nothing in it and hasn't been used for more than a year.
Disclaimers
Pemoney is provided "as is" and "as available", without warranties of any kind, to the extent permitted by law. We don't guarantee that the service will be uninterrupted, error-free, or that information shown is accurate or complete.
Limitation of liability
To the extent permitted by law, we are not liable for indirect, incidental, special, consequential or punitive damages, or for loss of data, profits or money, arising from your use of Pemoney. Our total liability for any claim is limited to the amount you paid for Pemoney in the 12 months before the claim.
Changes
We may update these terms. We'll change the effective date above and, for significant changes, let you know in the app. Continuing to use Pemoney after a change means you accept the updated terms.
Governing law
These terms are governed by the laws of the State of California, USA, without regard to its conflict-of-law rules.