Terms of Service

By creating an account or using Monvion you agree to these terms. Please also read our Privacy Policy.

Monvion is a personal finance tool. From the balances, income and bills you enter, it estimates how much you can safely spend (the "Safe to Spend" number). Monvion does not connect to your bank; the figures are only as accurate as what you enter.

The AI Advisor answers questions using an AI model and the figures in your account. AI answers can be incomplete or wrong. Everything in Monvion, including AI answers, is general information and not financial, investment, tax or legal advice.

• You must be at least 18 years old to use Monvion.
• You are responsible for keeping your login credentials secure.
• You may delete your account at any time in Settings. Deleting your account also cancels any paid subscription.

• Free plan: core features at no cost.
• Pro, monthly: €4.99 per month.
• Pro, yearly: €49.99 per year.

Prices shown are the final prices you pay, including any applicable VAT. Payments are processed by Stripe.

Automatic renewal. Pro renews automatically at the end of each billing period (monthly or yearly) and is charged to your saved payment method until you cancel.

Cancelling. You can cancel at any time in Settings → Manage subscription, or by emailing simon@monvion.com. Pro stays active until the end of the period you have already paid for, and you are not charged again. Apart from the right of withdrawal in section 5 or where the law requires otherwise, we do not refund the unused part of a period.

Price changes. We will tell you by email at least 30 days before a price change affects you. The new price applies from your next billing period, and you can cancel before then.

If you are a consumer, you may withdraw from your first Pro purchase within 14 days of the purchase date, without giving a reason. To do so, send a clear statement to simon@monvion.com (for example: "I withdraw from my Monvion Pro purchase"). You may also use the EU model withdrawal form, but you do not have to.

We refund the full amount you paid for that purchase within 14 days of receiving your request, to the same payment method. Your Pro access ends when the refund is made.

• Do not use Monvion for illegal purposes.
• Do not try to access other users' data, disrupt the service, or get around usage limits.
• Do not enter other people's personal data without a lawful reason.

We may suspend or close an account that seriously or repeatedly breaks these terms. If we close a paid account for a reason that is not your fault, we refund the unused part of your subscription.

We are not a bank, payment institution, investment adviser or other financial institution, and we do not hold or move your money. The Safe to Spend number is an estimate. Always check your actual bank balance before making financial decisions.

We work to keep Monvion available and correct, but we cannot promise it will always be uninterrupted or error-free.

Monvion Oy is not liable for financial decisions you make based on information in the service. To the extent permitted by law, our total liability to you is limited to the amount you paid us in the 12 months before the claim.

Nothing in these terms limits liability that cannot be limited under mandatory law, including liability for intent or gross negligence, or your statutory rights as a consumer.

If we make material changes, we will email you at least 30 days before they take effect. If you do not accept the changes, you can cancel and delete your account before that date.

These terms are governed by Finnish law. If you are a consumer, you also keep the protection of the mandatory consumer laws of your country of residence.

If something goes wrong, please contact us first at simon@monvion.com — we aim to reply within 5 business days. Consumers in Finland can also get help from Consumer Advice (kkv.fi) and take a dispute to the Consumer Disputes Board (kuluttajariita.fi).

A consumer may bring a claim in the district court of their place of residence. Other disputes are resolved in the district court of Monvion Oy's domicile.