MoneyLens AI

Terms of Use

Updated September 2, 2026

These Terms of Use ("Terms") are an agreement between you and FMA ("we," "our," or "us") for MoneyLens AI (the "App"). By downloading, accessing, or using the App you agree to these Terms and the Privacy Policy. If you do not agree, do not use the App.

NO FINANCIAL ADVICE. NO WARRANTY. NO LIABILITY FOR YOUR MONEY. MoneyLens AI is provided AS IS and AS AVAILABLE for personal tracking only. Insights, balances, categories, projections, FIRE numbers, debt plans, alerts, and AI chat are estimates. They may be incomplete, outdated, or wrong. You alone are responsible for every financial, investment, tax, credit, and legal decision. We are not liable for losses, missed payments, bad trades, tax errors, or any claim arising from financial data in the App.

1. The service

MoneyLens AI lets you upload statement PDFs and screenshots so software can extract transactions or holdings and show dashboards. We are not a bank, broker, investment adviser, tax preparer, fiduciary, or insured depository. We do not move money and we never ask for institution passwords.

2. Your data — uploaded at your own risk

You represent that you have the right to upload each file and that it is accurate enough for your own use. You grant us a limited license to process, store, and display that content solely to provide the App, including sending it to AI and cloud providers.

You assume all risk of uploading financial information, including identity theft, fraud, account takeover, data breach, leak to household members or third-party processors, and any lawsuit, claim, or loss that follows. We are not responsible for your data.

3. No advice; you make the decisions

Nothing in the App is financial, investment, tax, accounting, credit, or legal advice, or a recommendation to buy, sell, or hold anything.
You must verify all figures against official statements, your bank, and qualified professionals before acting.
Alerts may fail, be late, or never send. Do not rely on the App as your only reminder for bills, markets, or taxes.
AI output can hallucinate, misread a screenshot, miss transactions, or mis-categorize spend. That is expected. It is not a basis for a claim against us.

4. Your responsibilities

Keep credentials confidential and use the App only for lawful personal (or household) tracking.
Do not upload data you are not allowed to share. Do not upload another person’s financial records without their permission.
Do not reverse engineer, abuse, or overload the service, or use it to compete with us.
Pay applicable subscription fees through the store or processor you used.

5. Subscriptions

Free and Pro features are described in the App and may change. Pro is a recurring subscription billed by Apple, Google, or our web payment processor. Manage or cancel in that store’s account settings or in App Settings. Refunds are governed by the store’s rules. Unused analysis caps do not create a credit against us.

6. Disclaimer of warranties

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, SECURITY, OR UNINTERRUPTED AVAILABILITY. We do not warrant that extraction, balances, insights, or alerts will be correct or that data will not be lost or disclosed.

7. Limitation of liability (financial data and lawsuits)

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FMA, MoneyLens AI, and our officers, contractors, and providers are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, or business opportunity, even if we were told they were possible.

Without limiting the above, we have no liability for: investment or trading losses; missed or extra payments; credit-score impact; tax, interest, or penalty amounts; decisions based on the App; bugs or downtime; unauthorized access to your account or files; third-party AI or cloud failures; household members seeing data you shared; or any claim that you, a bank, a spouse, a tax authority, or anyone else brings related to financial information in the App.

OUR TOTAL LIABILITY FOR ALL CLAIMS IN THE AGGREGATE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) TEN U.S. DOLLARS (US$10). IF YOU USE THE FREE PLAN, THAT AMOUNT MAY BE ZERO. THESE LIMITS APPLY TO THE FULLEST EXTENT THE LAW ALLOWS, INCLUDING FOR NEGLIGENCE, BUT NOT FOR LIABILITY THAT CANNOT BE LIMITED (FOR EXAMPLE, WHERE LOCAL LAW FORBIDS IT).

8. Indemnity — you cover claims about your use and data

You will defend, indemnify, and hold harmless FMA, MoneyLens AI, and our people from any claim, demand, loss, or cost (including reasonable legal fees) arising out of: your use of the App; data you upload or share; your financial decisions; your violation of these Terms or of law; or a dispute with a household member, bank, tax authority, or other third party related to information in the App.

9. Release

To the maximum extent permitted by law, you release us from all claims related to the App, your data, and financial outcomes, known or unknown. Where a jurisdiction does not allow a release of unknown claims, that part does not apply there, but the rest of these Terms still apply.

10. Termination

You may stop using the App and delete your account at any time. We may suspend or end access if you breach these Terms, if required by law, or if we discontinue the product. Sections that by nature should survive (including risk, disclaimers, limits of liability, indemnity, and disputes) survive termination.

11. Disputes

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable there, without regard to conflict-of-law rules. You agree that the courts of Ontario, Canada are the exclusive venue for disputes, except where applicable law gives you a mandatory right to sue elsewhere. You and we each waive any right to participate in a class, collective, or representative action to the extent the law allows. Some places do not allow these waivers; in those places they apply only as far as permitted.

12. General

If a court finds a part of these Terms unenforceable, the rest remains in effect. We may update these Terms; continued use after we post a change is acceptance. These Terms are the entire agreement for the App. Apple, Google, and other stores are third-party beneficiaries of provisions that protect them, but they are not parties to your financial-data relationship with us.

13. Contact

Questions: [email protected]. Privacy: [email protected].