The rules for using MoneyLeft.
A personal finance app that runs on your device. You record what comes in and what goes out, and the app tells you how much you have left until your next payday.
You may use MoneyLeft to manage your own personal finances. You are responsible for the data you enter and for its accuracy: the app calculates on what you give it.
Forecasts, projections and suggestions are statistical calculations based on your history. They are neither guarantees nor promises of a result, and they do not constitute financial, investment or tax advice. Decisions about your money remain yours.
You may use MoneyLeft on your device, without an account, at any age. To create an account and sync data between devices you must be at least 16 years old: below that age the consent of the holder of parental responsibility is required.
If you are a consumer in the European Union you have the right to withdraw from the order within 14 days of receiving the receipt, without having to give a reason. The right does not apply where you have requested immediate access to the Pro features and have accepted the loss of your right of withdrawal as a result: Apple's purchase confirmation typically includes this acknowledgement.
The subscription is sold by Apple Distribution International Ltd., not by us: it is Apple that takes the payment, issues the receipt and carries out refunds. The declaration of withdrawal must therefore be sent to Apple. The quickest route is Apple Account › Purchase History, where you select the order and click on "Withdraw Transaction"; alternatively you may write to rightofwithdrawal@apple.com or to Apple Distribution International Ltd., Hollyhill Industrial Estate, Hollyhill, Cork, Republic of Ireland. Apple sends an acknowledgement of receipt and issues the refund within 14 days using the same means of payment, at no cost to you.
Stopping automatic renewal is a different thing from withdrawal and does not give a right to a refund: it is done from "Manage subscription" in your Apple Account settings.
You may also write to us, at matteo.de.min@outlook.it, for help or for any question about the subscription. But the refund is issued by Apple: we do not receive it and cannot return it, and writing to us does not stop the 14-day period from running.
MoneyLeft can be used free of charge to record transactions, manage budgets and see the summary of the current cycle and month. The free plan has some limits on creating new items: up to 4 custom categories (subcategories are always unlimited), up to 3 instalment plans open at the same time, up to 3 subscriptions. Reaching a limit does not affect what you have already created: it only prevents you from creating more until you move to Pro.
The MoneyLeft Pro subscription removes these limits and adds: net worth forecasting beyond the first month, the 6-month projection beyond the first month, transaction analysis, saving suggestions, the spending recurrence profile, the summary beyond the current cycle or month, the comparison with the previous period, and syncing between your own devices through an account.
MoneyLeft Pro requires a MoneyLeft account: both to buy it and to use it. The subscription is recorded against your account, not against the phone and not against the Apple Account: you find it again on any device you sign in to, even with a different Apple Account from the one you bought it with. If you sign out of the account, the Pro features switch off until you sign back in: the subscription remains yours, it is not lost and does not have to be bought again. The free app is used without an account, as always.
The subscription is sold by Apple, not by us: the charge, the renewal, the refund and the cancellation always go through your Apple Account, from iOS Settings → your name → Subscriptions. We only record that the purchase is yours, and until when it is valid.
If you use the same phone with a different MoneyLeft account, the Pro features do not appear: they belong to whoever bought them, not to the device. And if you delete your account, the subscription remains active with Apple and continues to be charged until you cancel it: the record on our server, on the other hand, disappears, so you would no longer find it on another device. On the phone you bought it from, the Pro features come back even if you create a new account, with any email address: the app remembers that the deleted account was yours.
The subscription renews automatically at the end of each period, unless cancelled at least 24 hours before it expires. Payment is charged to your Apple Account when you confirm the purchase. Cancellation is handled by Apple: from your Apple Account settings, or from the "Manage subscription" button inside the app, which leads to the same place. Writing to us does not stop the renewal, because the charge does not go through us.
Promotional codes. If you receive a code, you can redeem it from Settings › MoneyLeft Pro › Redeem a code, or from the App Store. A code gives a free or discounted period: when that period ends the subscription continues at the full price of the chosen plan, which Apple shows you on the purchase screen before you confirm, and renews by itself, unless cancelled at least 24 hours before. Everything else in this section applies: cancellation is handled through Apple, and if the subscription ends your data stays where it is.
If the subscription ends, your data remains intact: only the Pro features listed above are switched off, including automatic syncing (data already synced stays where it is, it simply stops updating by itself). Export and backup always remain free.
Making copies of your data is your responsibility. The app provides export and full backup, free of charge. Without syncing turned on, we cannot recover lost data, because we have never had it. With syncing turned on, a copy exists on the server until you delete your account: even then, the reliable way not to lose anything remains a backup exported by you.
The app is provided as it is. We are not liable for losses arising from decisions taken on the basis of the numbers shown.
For questions about these terms, write to matteo.de.min@outlook.it.