Terms of Service (ToS)

Effective Date: 01. June 2023

Please read these Terms of Service ("ToS") carefully before using the MonAi mobile application ("App") provided by Florian Vates (referred to as "Developer). By using the App, you agree to be bound by these ToS.

Use and Restrictions:

  • The App is intended for personal use only and should not be used for any illegal activities.
  • Users are responsible for the accuracy and legality of the data entered into the App.
  • Users must comply with all applicable laws and regulations while using the App.

Subscription-Based Services:

The App offers subscription-based services with different tiers:

  • Free Tier: Includes limited functionality, such as a maximum of 20 transactions per month and 1 private + 1 shared list. The transaction history is limited to the current month.
  • Basic Tier: Provides unlimited transactions and lists, as well as the ability to share lists and create multiple lists.
  • Family Tier: Enables family sharing for the subscription, allowing family members to use the App for free if they have a shared family iCloud account.

Pricing and Renewal:

  • The subscription-based services are auto-renewable and can be billed monthly or yearly, with the yearly subscription offering a discounted price compared to the monthly subscription.
  • Users can cancel their subscription at any time, and the service will continue until the end of the current billing period.
  • If a user upgrades to a higher tier during an active subscription, they will be reimbursed for the lower tier and only need to pay the difference for the higher tier.
  • Downgrading to a lower tier will take effect after the current billing period for the higher tier ends.

App Store Terms:

The App is subject to the standard terms and conditions set forth by the Apple App Store.

By using the App, you acknowledge that you have read, understood, and agreed to these ToS.

If you have any questions or concerns regarding these ToS, please contact us at app.monai@proton.me.

Privacy Policy

Effective Date: 01. June 2023

This Privacy Policy ("Policy") explains how Florian Vates (referred to as "Developer") collects, uses, and protects the personal information of users ("User" or "you") of the MonAi mobile application ("App").

Types of Personal Information Collected:

The App utilizes Apple's CloudKit framework to store and retrieve data, which means no personal data is stored on any server accessible by the developer. All data is stored in the Users personal iCloud.

The App uses Apple's "Speech" SDK to transcribe user audio input. The transcription happens locally in most of the cases but could, under some circumstances, also be sent to apples servers for furhter improvement. The transcribed text is sent to a very simple backend, hosted on AWS, which only acts as a router to hide API-Keys and further implementation details. No data is stored during this process. The data is then forwarded to the OpenAI API for interpretation and processing. OpenAi also doesn't store the data for more than 30 days and will not train its models with the Users data. You can read more about how OpenAi uses the data on OpenAI API data usage policies

Use of Personal Information:

The personal information collected, such as the date, description, and amount of transactions, is solely used within the App for the purpose of displaying the user's transaction history.

In the case of incorrect automatic categorization, user corrections are sent to the backend as part of the request but are not stored separately.

Third-Party Services and APIs:

A backend server is employed to abstract the prompts from the user and hide the OpenAI API key. The server facilitates the processing of user input via the OpenAI API.

The OpenAI API does not store data, according to their OpenAI API data usage policies.

The backend is hosted on AWS (Amazon Web Services) but doesn't story any user data. I encourage you to review their respective privacy policies.

Data Security:

All communication between the App, backend, and OpenAI API is encrypted using HTTPS to ensure the security and privacy of user data.

Personal information is stored and protected by Apple's CloudKit, which follows industry-leading security measures.

User Rights and Options:

Users have the right to request the deletion of all their data stored in CloudKit. This can be done within the App by manually deleting all their contents or by contacting us directly.

This Privacy Policy applies only to the use of the App and does not cover any other websites, services, or applications that may be linked or integrated within the App.

If you have any questions or concerns regarding this Policy, please contact us at app.monai@proton.me.

Jurisdiction and Governing Law

These terms and conditions, and any disputes or claims arising out of or in connection with the use of MonAi ("App"), shall be governed by and construed in accordance with the laws of Germany.

Any legal disputes or claims arising from the use of the App shall be subject to the exclusive jurisdiction of the courts of Germany. By using the App, you hereby consent to the jurisdiction of the German courts for any such disputes.

In the event of a legal dispute, the parties involved agree to first attempt to resolve the matter through good-faith negotiations. If an amicable resolution cannot be reached, the dispute shall be submitted to the competent court in Germany.

The choice of German law as the governing law for this App is made in consideration of the strong legal framework, data protection laws, and consumer rights regulations provided by the German legal system.

Please note that this is a general formulation of the jurisdiction and governing law section based on your preference for German law. It is advisable to consult with a legal professional specializing in German law to ensure compliance with all relevant regulations and to address any specific considerations related to your app and its operations within the German jurisdiction.

End User License Agreement (EULA)

Effective Date: 01. June 2023

This End User License Agreement ("Agreement") is a legal agreement between you (referred to as "User" or "you") and Florian Vates (referred to as "Developer") governing the use of the MonAi mobile application ("App").

Permitted Use:

By installing, accessing, or using the App, you agree to the following terms and conditions. The App is provided solely for personal, non-commercial use. You agree not to use the App for any illegal activities or in violation of any applicable laws or regulations.

Limitation of Liability:

To the maximum extent permitted by law, the Developer shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising out of or relating to the use or inability to use the App. The Developer does not guarantee the accuracy, completeness, or reliability of the information provided by the App.

Intellectual Property:

The App, including all its content, features, and functionality, is owned by the Developer and is protected by intellectual property laws. You acknowledge that you have no ownership or intellectual property rights in the App.

Dispute Resolution:

Any dispute, claim, or controversy arising out of or relating to this Agreement or the use of the App shall be resolved through negotiation and, if required, through binding arbitration conducted by a mutually agreed-upon arbitrator.


This Agreement constitutes the entire agreement between you and the Developer regarding the use of the App. If any provision of this Agreement is found to be invalid or unenforceable, it shall not affect the validity or enforceability of the remaining provisions. The failure of the Developer to exercise any right or enforce any provision of this Agreement shall not constitute a waiver of such right or provision.

By installing, accessing, or using the App, you acknowledge that you have read, understood, and agreed to be bound by this EULA.

If you have any questions or concerns regarding this Agreement, please contact us at app.monai@proton.me.