Terms of Service

Last updated — April 28, 2026

1. Purpose

These Terms of Service (“Terms”) govern the use of the mobile application MoneyDocs (the “Application”) published by Silvio Rota (the “Publisher”).

2. Acceptance

Installing or using the Application constitutes full and unconditional acceptance of these Terms. Users who do not accept these Terms must refrain from using the Application and must uninstall it.

3. Service description

MoneyDocs is a personal expense management application installed on the user’s mobile device. All data entered is stored locally on the device in an encrypted database. The Application offers in particular: expense entry and organization, receipt scanning with OCR, report generation, multi-currency conversion, data export.

The user may also activate an optional encrypted cloud backup to their own Google Drive. The detail of this feature, its encryption mechanism and its limits are described in article 4 of the Privacy Policy.

The Application is provided free of charge in its current version. The Publisher reserves the right to introduce optional paid features in the future.

4. License of use

The Publisher grants the user a personal, non-exclusive, non-transferable and revocable license to use the Application for strictly personal and non-commercial purposes, on devices that the user owns or is legitimately using.

The following are in particular prohibited without prior written consent:

  • any decompilation, reverse engineering or extraction of the source code;
  • any redistribution, resale or rental of the Application;
  • any use in a professional or commercial context beyond the normal internal use of an end user;
  • any use aimed at circumventing technical security mechanisms.

5. User obligations

The user undertakes to:

  • use the Application in accordance with the law applicable in their country of residence;
  • keep their PIN code and any other unlock mechanism confidential;
  • either regularly perform manual backups using the .moneydocs package export feature, or activate the automatic cloud backup to their Google Drive — the Publisher cannot under any circumstances recover lost data stored locally or whose cloud backup has been deleted by the user;
  • when using cloud backup, remember or store in a password manager the backup password chosen by the user during activation. This password is the only means of decrypting the backups on a new device; forgetting it makes the backups permanently unreadable, including for the Publisher, who has no copy of it. The user must also keep access to their Google account and the confidentiality of their Google credentials;
  • not attempt to disrupt the proper functioning of the backend technical services (OCR proxy, cloud backup).

6. Intellectual property

The Application, its name, logo, visual identity and source code are the exclusive property of the Publisher. These Terms grant no intellectual property rights to the user, only a right of use strictly limited to the scope of Article 4.

7. Personal data

The processing of personal data is detailed in the Privacy Policy, which is an integral part of these Terms.

8. Liability

The Application is provided “as is”. The Publisher does not warrant that it will be free of defects, that it will meet all the user’s specific needs, or that it will operate without interruption.

Within the limits permitted by applicable law, the Publisher disclaims all liability for:

  • loss of local data following device failure, theft, uninstallation or user error;
  • loss of access to the user’s Google account (forgotten password, account closed or suspended by Google) which would render cloud backups inaccessible;
  • the forgetting of the backup password, which renders cloud backups permanently unreadable; in the absence of this password, the Publisher has no technical means of recovering the data — this is precisely the guarantee that ensures the end-to-end confidentiality of the backups;
  • the possible unavailability, suspension or removal of the Google Drive service itself;
  • the possible compromise of cloud backups resulting from unauthorized access to the user’s Google account;
  • OCR extraction errors (extracted text must always be verified by the user);
  • multi-currency conversion errors linked to third-party exchange rates;
  • any financial or tax decision made on the basis of information displayed in the Application.

The user remains solely responsible for the accuracy of the amounts they enter and the decisions they make based on them (tax returns, expense reports, etc.).

9. Modification of the Terms

The Publisher may modify these Terms at any time. The current version is always available at this address and in the Application settings. The user is deemed to accept the new version by continuing to use the Application after modification.

10. Termination

The user may stop using the Application at any time by uninstalling it — uninstallation deletes all locally stored data.

The Publisher may suspend or discontinue distribution of the Application without notice, without giving rise to any compensation.

11. Governing law and jurisdiction

These Terms are governed by Swiss law. Any dispute relating to their interpretation or execution falls under the exclusive jurisdiction of Swiss courts, unless otherwise provided by the mandatory law of the user-consumer’s country of residence.

12. Severability

If one of the clauses of these Terms is declared void or unenforceable, this does not affect the validity of the other clauses, which continue to apply.

13. Prevailing language version

In case of discrepancy between language versions of these Terms, the French version prevails.

14. Contact

For any question regarding these Terms: contact@moneydocs.app