These terms are an agreement between you and Automonie. By creating an account or using the app, you agree to them. Please read them, particularly the sections on what Automonie is not, and on savings plans.
Automonie is a personal finance management tool. It helps you record and categorise transactions, set budgets and goals, track bills and debts, automate savings, and view insights about your money. It is available on the web and on Android.
This section matters, so we've kept it plain:
Linking a bank account is optional. If you link one, you authorise us and our open-banking provider to retrieve transaction and account information on your behalf, on a read-only basis. We cannot move money from a linked account. You may disconnect at any time from the app, which stops further retrieval immediately.
You can lock a savings goal until a chosen date. Where a locked plan offers a return, the applicable rate and any early-withdrawal charge are shown in the app at the time you create the plan.
Any return is variable and depends on the performance of the underlying product provided by our partner. Rates are not guaranteed and may change. Breaking a locked plan before its maturity date may reduce or forfeit any accrued return and may incur a charge, as disclosed in the app.
Don't: attempt to break, probe or overload the service; access another user's account; scrape or reverse-engineer the app; upload malicious files; or use the service to break the law.
We work to keep Automonie available and accurate, but we provide it "as is". We do not promise uninterrupted or error-free service. We may change, suspend or discontinue features, and will give reasonable notice of significant changes where we can.
Core features are currently free. If we introduce paid plans, the price and what it includes will be shown clearly before you are charged, and you will not be charged without your agreement.
Your financial data remains yours. You grant us only the permission needed to operate the service for you, to store, process and display your data back to you. We do not sell it. See our Privacy Policy.
The Automonie name, logo, software and design are owned by us. These terms don't transfer any of that to you.
You can delete your account at any time from the app. We may suspend or terminate an account that breaches these terms, is used unlawfully, or poses a risk to other users or to us.
To the maximum extent permitted by law, Automonie is not liable for indirect or consequential loss, or for loss arising from decisions you take based on information in the app, from errors in imported or categorised data, or from failures of third-party banking or payment partners. Nothing in these terms excludes liability that cannot lawfully be excluded.
We may update these terms. The date at the top will change, and we will notify you of material changes in the app or by email. Continuing to use Automonie after a change means you accept the updated terms.
These terms are governed by the laws of the Federal Republic of Nigeria, and the Nigerian courts have jurisdiction over any dispute.