Terms of Service
How to use the app
Last updated: December 9, 2025
Cashmonki (“we,” “our,” or “us”) is committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, store, and safeguard your information when you use our iOS mobile application (the “App”).
Our Privacy Promise: Your financial data is sensitive. Cashmonki is designed with a privacy-first approach, prioritizing on-device storage, minimal data sharing, and transparent data practices.
1. Agreement to Terms
By downloading, installing, or using Cashmonki (“the App,” “we,” “our,” or “us”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, do not use the App.
These Terms apply to all users of the App.
2. Description of the Service
Cashmonki is a personal finance app that allows users to:
Track expenses and income
Scan receipts using AI
Manage transaction categories and notes
Organize multiple wallets or accounts
Use multi-currency features
Access premium features through subscriptions
Cashmonki is not a financial advisor, banking service, or accounting service. All insights and summaries are for informational purposes only.
3. Eligibility
You must:
Be at least 13 years old
Have the legal capacity to enter into agreements
Use the App in compliance with applicable laws
If you are under 18, you may only use the App under the supervision of a parent or legal guardian.
4. User Accounts
To use certain features, you must create an account through Firebase Authentication using your email address.
You are responsible for:
Maintaining the confidentiality of your login credentials
Ensuring the information you provide is accurate
Any activity that occurs under your account
We reserve the right to suspend or terminate accounts for violations of these Terms.
5. Local Data Storage
Cashmonki uses a privacy-first, local-first storage model:
All financial and transaction data is stored on your device unless you enable optional cloud sync.
You are responsible for securing your device and backups.
Deleting the App may delete local data unless exported.
6. AI Receipt Scanning
Cashmonki uses AI technology via OpenRouter and secure backend processing to extract data from receipt images.
By using this feature, you agree that:
Receipt images are transmitted securely for temporary processing
Images are not permanently stored by AI providers
Only receipt content is analyzed (no personal identifiers included in requests)
This feature is optional.
7. Subscriptions and Payments
Some features are available only through a paid subscription (“Cashmonki Pro”), managed through:
Apple’s in-app purchase system
RevenueCat for subscription status and entitlement tracking
When you subscribe:
Charges are billed to your Apple ID
Subscriptions renew automatically unless canceled
You may cancel at any time through your Apple ID settings
Cashmonki does not process or store your payment information.
All subscription fees are final and non-refundable unless required by law.
8. Acceptable Use
You agree not to:
Use the App for illegal or fraudulent activity
Reverse engineer, modify, or copy the App
Interfere with network security or service stability
Upload harmful, offensive, or unauthorized content
Violations may result in account suspension or termination.
9. Intellectual Property
All content in Cashmonki—including the design, features, graphics, text, and software—is owned by Rosebud Studio.
You may not:
Copy
Distribute
Modify
Sell
Reuse code or UI assets
without written permission.
10. Disclaimer of Warranties
Cashmonki is provided “as is” and “as available.”
We do not guarantee that:
The App will be error-free or uninterrupted
Receipt scanning will always produce accurate results
Insights will be suitable for financial, tax, or accounting purposes
Use the App at your own risk.
11. Limitation of Liability
To the fullest extent permitted by law, Cashmonki and its developers are not liable for:
Loss of data
Financial losses or inaccuracies
Damages resulting from improper use of the App
Inaccurate AI-generated transaction data
Device issues, loss, theft, or unauthorized access
Your sole remedy for dissatisfaction is to stop using the App.
12. Data Deletion and Account Termination
You may delete your account at any time within the App or by contacting support.
Upon account deletion:
Cloud-stored data will be permanently deleted
Subscription status will be removed
Local device data must be deleted manually by removing or resetting the App
We may terminate accounts that violate these Terms.
13. External Links and Third-Party Services
The App may integrate with third-party services such as:
Firebase Authentication
Firebase Firestore
RevenueCat
OpenRouter AI
We are not responsible for the content or practices of third-party providers.
14. Changes to the Terms
We may update these Terms as needed. Significant changes will be communicated through:
In-app notifications
Updating the “Last Updated” date
Posting revised Terms within the App
Continued use of the App means you accept the updated Terms.
15. Contact Information
For questions about these Terms:
Email: dante@rosebudstudio.co
Support: Available in-app (Settings → Help & Support)
Developer: Dante Cardines III – Rosebud Studio
Acceptance of Terms
By using Cashmonki, you acknowledge that:
You have read and understood these Terms
You agree to be bound by them
You accept any future updates to the Terms