Terms and Conditions

1. About Monti

Monti is a personal finance platform designed to help users view, organize, and understand their financial information. Monti provides tools for viewing account balances, transaction data, and financial insights. Monti does not provide financial advice, banking services, or payment services.

Monti is not a bank, lender, or payment institution.

2. Eligibility

To use Monti, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Provide accurate and complete information when creating an account

You are responsible for ensuring that your use of Monti complies with all applicable laws and regulations in your country of residence.

3. Account Registration

To access certain features, you must create an account.

You agree to:

• Provide accurate, current, and complete information
• Keep your login credentials secure
• Notify us immediately if you suspect unauthorized access to your account

You are responsible for all activity that occurs under your account.

4. Connected Financial Accounts

Monti allows you to connect financial accounts through third-party providers, including Open Banking and financial data aggregators.

By connecting an account, you authorize Monti to:

• Access and retrieve account information, balances, and transaction data
• Display this data within the Monti platform

Monti does not store your bank login credentials. Data access is read-only unless explicitly stated otherwise.

Availability of financial institutions and data may vary by country and provider.

5. Third-Party Services

Monti relies on third-party services to provide financial data and technical functionality.

Monti is not responsible for:

• Accuracy or completeness of data provided by third parties
• Downtime, errors, or interruptions caused by third-party services
• Actions or omissions of financial institutions or data providers

Your use of third-party services may also be subject to their own terms and privacy policies.

6. No Financial Advice

All information provided through Monti is for informational purposes only.

Monti does not provide:

• Financial advice
• Investment advice
• Tax advice
• Legal advice

You should consult a qualified professional before making any financial decisions.

7. Subscriptions and Fees

Some features of Monti may require payment or a subscription.

If applicable:

• Prices will be clearly displayed before purchase
• Subscriptions may renew automatically unless cancelled
• Payments are processed through third-party payment providers

All fees are non-refundable unless required by law.

8. Acceptable Use

You agree not to:

• Use Monti for unlawful purposes
• Attempt to gain unauthorized access to systems or data
• Interfere with or disrupt the platform
• Use Monti in a way that could harm other users or Monti

We reserve the right to suspend or terminate accounts that violate these Terms.

9. Intellectual Property

All content, branding, software, and design elements on Monti are owned by or licensed to Monti.

You may not copy, modify, distribute, or reverse engineer any part of the platform without prior written permission.

10. Data and Privacy

Your use of Monti is subject to our Privacy Policy, which explains how we collect, use, and protect your personal data.

By using Monti, you consent to the processing of your data as described in the Privacy Policy.

11. Availability and Changes

We do not guarantee that Monti will be available at all times.

We may:

• Modify or discontinue features
• Update these Terms from time to time

If changes are material, we will provide reasonable notice. Continued use of Monti means you accept the updated Terms.

12. Limitation of Liability

To the maximum extent permitted by law, Monti is not liable for:

• Indirect or consequential losses
• Loss of data, profits, or savings
• Errors or inaccuracies in financial data

Our total liability will not exceed the amount you paid to Monti in the previous 12 months, or zero if you used Monti for free.

13. Indemnification

You agree to indemnify and hold Monti harmless from any claims, damages, or losses arising from your use of the platform or violation of these Terms.

14. Termination

You may stop using Monti at any time.

We may suspend or terminate your access if you violate these Terms or if required by law.

Upon termination, your right to use Monti will immediately cease.

15. Governing Law

These Terms are governed by the laws of the United Kingdom, unless otherwise required by applicable local law.

Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Us

If you have any questions about these Terms, contact us at: