Moniti Terms of Use

1. Who may use the Service

You must be at least 18 years old. By using the Service you confirm that you are.

2. What the Service does

Moniti works with figures you enter. From them it:

• organises what you owe in one place;
• compares ways of repaying it;
• projects a timeline under stated assumptions;
• explains a next step and why it follows from the figures.

Moniti is not a bank and provides no banking services. It does not hold your money, does not connect to your accounts, and does not make or schedule payments. Anything the Service calls an action is a description of something for you to do yourself.

3. No financial, legal, or tax advice

THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. Dil Eight LLC is not a bank, financial advisor, credit repair organisation, broker, lender, or tax advisor.

Every projection, timeline, comparison, and suggested step is an estimate calculated from the data you provided under assumptions the Service states. None of it is a guarantee of a payoff date, an interest saving, a lender's approval, or any future rate. A projected transfer is not a completed transfer, and a loan illustration is not an approval. Decisions about your money remain yours.

4. Your account

You may try the Service without an account; in that case the data stays on your device until you choose to create one. With an account, you are responsible for your credentials and for activity under your account. Tell us at [email protected] if you believe someone else has access.

We may suspend or close an account that breaks these Terms.

5. The figures are yours

The Service calculates from what you enter and does not verify it against any external source. If the balances, rates, or payments you provide are wrong or incomplete, the results will be too, and we are not responsible for decisions taken on that basis.

6. Payments and subscriptions

Parts of the Service may require payment. What a paid feature costs, and what it includes, is shown before you buy it.

Where you buy determines who takes the payment. On the website, card payments are processed by Stripe. In the iOS and Android apps, purchases and subscriptions are processed by Apple through In-App Purchase and by Google through Google Play Billing, under those platforms' own terms.

A subscription renews automatically for the same period unless you cancel it before the renewal date. If you bought through Apple or Google, manage and cancel the subscription in your Apple or Google account — we cannot cancel it for you — and refunds follow that platform's rules. For payments taken by Stripe, write to [email protected].

Prices may be exclusive of taxes, which are added where the law requires. If we change the price of a subscription, the change applies from the next renewal and you will be told before it takes effect.

7. Offers and how we are paid

The Service may show offers from card issuers, lenders, and other providers — a balance transfer card, a consolidation loan, a refinancing product. Following one takes you to the provider or to an affiliate network that carries the link, and you leave Moniti.

Where the Service shows such an offer, we are paid for it: when someone opens an account or takes a product through a link we showed, the provider — or the affiliate network that carries the link — pays us a commission. It costs you nothing. The price and terms you get are the provider's, and they are the same whether you arrive through Moniti or not.

What we are paid plays no part in which offers you see or the order they come in. The catalogue the calculation reads carries the terms of each product — its rate, its promotional period, its fees, the amounts it covers, and who it is open to — and carries no commission figure at all, so there is nothing for a payout to weigh against. An offer is considered only when it fits the step your plan needs and you meet the requirements the provider states. Among those, offers are ordered by what they cost you: the average rate over the promotional period and the year after it, plus the fees charged once. Offers that tie on every term come back in a fixed order, so the same figures always produce the same list.

Moniti is not a lender, a broker, or an agent of any provider. We do not decide whether you are approved, we do not set rates or fees, and showing an offer is not a recommendation to take it, a statement that you qualify for it, or advice that it is right for you. Read the provider's own terms before you apply; they, and not these Terms, govern what you sign.

An offer shown in the Service reflects the terms the provider gave us at the time. Terms change, and availability depends on the provider.

8. Acceptable use

You agree not to:

• use the Service for unlawful purposes;
• attempt to reverse engineer, decompile, or extract the source of the Service;
• interfere with its security or integrity;
• overload or disrupt the Service or the infrastructure it runs on;
• collect data from it with automated tools without our written permission.

We may suspend or close accounts that break this section.

9. Intellectual property

The Service — its software, design, text, graphics, and trademarks — belongs to Dil Eight LLC and is protected by law. You get a limited, non-exclusive, non-transferable licence to use it for your own personal, non-commercial purposes. The figures you enter remain yours.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, MONITI DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that projections are accurate, that the Service is uninterrupted, or that it is free of errors.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIL EIGHT LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING FINANCIAL LOSSES, LOST PROFITS, OR DATA LOSS, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. Nothing in these Terms excludes liability that cannot be excluded under the law that applies to you.

12. Ending it

You may stop using the Service at any time and ask us to delete your account. We may suspend or end your access if you break these Terms. Sections 3, 5, 7, 9, 10, and 11 survive the end of your use.

13. Governing law

These Terms are governed by the laws of the State of Florida, United States, without regard to its conflict of law rules. If you use the Service as a consumer in a country whose law gives you rights that cannot be set aside by agreement, those rights still apply to you.

14. Changes to these Terms

Every version of these Terms has a permanent address and stays published. When a new version takes effect, the app asks you to accept it before you continue; we do not treat continued use as agreement.

15. Contact