Acceptance of these Terms
These Terms of Service (the "Terms") form a binding contract between you and Igor Stepanov, an individual entrepreneur (entrepreneur individuel — micro-entreprise) registered in France under SIRET 103 095 501 00013 ("we", "us", "our", or the "Publisher"). The Terms govern your access to and use of the Neatly Money application available at neatly.money (the "Service").
By creating an account, ticking the consent checkbox at sign-up, or otherwise using the Service, you agree to these Terms. If you do not agree, you must not use the Service.
The Service
Neatly Money is a personal finance tracking web application that lets you record your accounts, transactions, categories, budgets, and balances. The Service is currently provided free of charge as a public beta. We may introduce paid features in the future; if we do, we will update these Terms before charging you for them.
The Service is a tool to help you organise information you provide. It does not connect to your bank, does not import your bank statements, and does not move money on your behalf.
Eligibility
To use the Service you must (i) be at least 18 years old and (ii) have the legal capacity to enter into a binding contract under the law applicable to you. By using the Service, you represent and warrant that both conditions are met.
Your account
You are responsible for keeping your account credentials confidential and for all activity that takes place under your account. You agree to:
- choose a strong, unique password and not share it with anyone;
- keep the email address linked to your account up to date so that we can reach you about your account or about security;
- notify us promptly at privacy@neatly.money if you suspect any unauthorised access to or use of your account;
- not transfer or sell your account to anyone else.
Acceptable use
When using the Service you agree not to:
- use the Service for any unlawful purpose or in violation of any applicable law or regulation;
- attempt to gain unauthorised access to any account, system, or data that is not yours;
- probe, scan, test, or attempt to compromise the security or integrity of the Service;
- reverse engineer, decompile, or disassemble any part of the Service except to the extent that applicable law expressly permits this notwithstanding the contractual restriction;
- scrape, harvest, or otherwise extract data from the Service in bulk by automated means;
- send a volume of requests that may degrade the Service for other users (denial-of-service style behaviour);
- use the Service to store or process data belonging to another person without that person's permission;
- use the Service to upload or transmit any malicious code or content that is unlawful, defamatory, or infringes the rights of others.
Your data and our intellectual property
You retain ownership of the data you enter into the Service ("Your Data"). You grant us a limited, worldwide, royalty-free licence to host, store, transmit, display, and otherwise process Your Data solely to the extent necessary to provide and maintain the Service for you. This licence ends when you delete the relevant data or your account.
The Service itself, including the source code, design, user interface, brand name, logo, and all related intellectual property, is and remains the property of the Publisher and is protected by applicable intellectual-property laws. These Terms do not transfer any of those rights to you.
No financial, legal, or tax advice
Neatly Money is a personal-organisation tool. It does not provide investment advice, financial advice, legal advice, tax advice, accounting advice, or any other regulated professional advice. The information shown by the Service reflects only what you have entered into it.
You are solely responsible for any decision you make based on information you see in the Service. Before making any significant financial, investment, legal, or tax decision, you should consult a duly licensed professional. To the maximum extent permitted by applicable law, we accept no liability for decisions you make based on the Service.
Beta status
The Service is currently provided as a beta. This means it may contain bugs, may change significantly without notice, and may experience downtime, data loss, or feature changes. We strongly encourage you to keep your own copies of important information and to export your data periodically once that feature is available.
Availability
We make the Service available on a best-efforts basis and do not commit to any service level (no SLA) during the beta period. We may interrupt access to the Service for planned maintenance, urgent fixes, or events outside our reasonable control. Where it is feasible to give advance notice of planned maintenance, we will try to do so.
Suspension and termination
You may stop using the Service and delete your account at any time. After deletion, your data is retained for a 30-day grace period as described in our Privacy Policy, and then permanently removed from our active systems.
We may suspend or terminate your access to the Service, with or without notice, if you breach these Terms (in particular the Acceptable Use section), if your use poses a security or legal risk, or if we are required to do so by law. Where it is reasonable and lawful to do so, we will give you a fair opportunity to address the issue first.
Sections of these Terms that by their nature should survive termination (including but not limited to ownership, disclaimers, limitation of liability, indemnification, and governing law) will continue to apply after termination.
Limitation of liability
To the maximum extent permitted by applicable law, our aggregate liability to you for any and all claims arising out of or relating to the Service or these Terms is limited to the greater of (i) one hundred euros (€100) and (ii) the total amount of fees you have actually paid us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim.
To the maximum extent permitted by applicable law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, goodwill, or other intangible losses, even if we have been advised of the possibility of such damages.
As mandatory consumer-protection law requires, the limits above do not apply to our liability for (a) death or personal injury caused by our negligence, (b) fraud or fraudulent misrepresentation, (c) gross negligence or wilful misconduct, or (d) any other matter that cannot be excluded or limited under the law of your country of residence.
Indemnification
To the extent permitted by applicable law, you agree to indemnify and hold us harmless against any third-party claim, demand, loss, damage, or expense (including reasonable legal fees) arising out of (i) your misuse of the Service, (ii) Your Data, or (iii) your breach of these Terms.
Governing law
These Terms are governed by French law, without regard to its conflict-of-laws rules.
If you reside in another European Union member state, nothing in these Terms removes the protection of mandatory consumer-law rules of your country of residence. Where such mandatory rules conflict with these Terms, the mandatory rules prevail to the extent of the conflict.
Dispute resolution
If you have a complaint about the Service, please first contact us at privacy@neatly.money. We will try to resolve the matter amicably within thirty (30) days of receiving your complaint.
For any dispute that cannot be resolved amicably, the French courts shall have exclusive jurisdiction, subject to the mandatory consumer-protection rules of your country of residence as described in the Governing Law section.
Changes to these Terms
We may update this page from time to time. The Effective Date at the top of the page reflects the latest version. We encourage you to review this page periodically. Continued use of the Service after the new Effective Date constitutes acceptance of the changes.
Other important terms
Entire agreement — these Terms, together with our Privacy Policy and Cookie Policy, form the entire agreement between you and us regarding the Service and supersede any prior agreement on the same subject matter.
Severability — if any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permitted by law and the remaining provisions will continue in full force.
No waiver — our failure to enforce any provision of these Terms is not a waiver of that provision or of any other provision.
Assignment — you may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, or sale of assets, or by operation of law.
Language
This document is issued in English. A French translation is provided for convenience and ease of reading; in case of discrepancy, the English version prevails.
Contact
For any question about these Terms, please contact us at privacy@neatly.money.
Effective date
These Terms are effective from April 23, 2026.