Terms of Service

Myney is a personal finance assistant that helps you understand your spending, track your finances, and find better deals on everyday bills. The Service may include:

• Aggregating your bank account data via open banking (PSD2)
• Categorising and analysing your transactions
• Alerting you to upcoming bills, unusual charges, or low balances
• Comparing your current providers (energy, telecoms, insurance, banking) with market alternatives
• Facilitating switches to alternative providers on your behalf, where available
• Tracking deadlines such as bill payments and tax filings

Myney is not a bank, payment institution, investment advisor, or credit provider. We do not hold funds, issue credit, or provide financial advice. The information and comparisons we provide are for informational purposes and should not be treated as personal financial advice.

To use Myney, you must:

• Be at least 18 years old
• Reside in a country where the Service is available (currently Greece and Poland)
• Provide accurate and complete registration information
• Have authority over the bank accounts you connect

You are responsible for maintaining the security of your account credentials. You agree to:

• Provide truthful, accurate information during registration
• Keep your login details confidential
• Notify us immediately at dpo@getmyney.com if you suspect unauthorised access to your account
• Not share your account with others or create multiple accounts

We reserve the right to suspend or terminate accounts that violate these Terms or are used fraudulently.

4.1 How It Works

When you connect a bank account, we access your financial data through Enable Banking, a regulated third-party open banking provider authorised under PSD2. Enable Banking supports connections for Greece, Poland, and pan-European institutions (e.g. Revolut, N26, Bunq). We receive read-only access.

4.2 What We Cannot Do

• We cannot initiate payments or transfer money from your accounts
• We cannot modify your accounts in any way
• We never see, access, or store your bank login credentials

4.3 Disconnecting

You can disconnect any bank account at any time through the app. Previously retrieved data is retained in accordance with our Privacy Policy unless you request its deletion.

5.1 Recommendations

Myney may suggest alternative providers. These recommendations are based on available information and market data. We do not guarantee that a suggested deal will always be the cheapest or most suitable.

5.2 Automated Switching

When you opt in to an automated switch: we will clearly explain what the switch involves; you must explicitly approve each switch; we share only the minimum information necessary; we are not responsible for the new provider's service quality or terms.

5.3 Manual Switching

In other cases, Myney will direct you to the alternative provider's website. We are not a party to any contract you enter into with a third-party provider.

5.4 How We Earn Revenue

When you switch through Myney, we may receive a referral fee from that provider. This is how we keep the Service free. Our recommendations are not ranked by commission rates.

You may upload documents such as utility bills or contracts. By uploading: you confirm you have the right to share them; you grant us permission to process them for finding deals; you can delete any document at any time. We process these in accordance with our Privacy Policy.

You agree not to: use the Service for any unlawful purpose; attempt unauthorised access; reverse-engineer or decompile the Service; use the Service for money laundering or fraud; scrape or extract data; interfere with the Service; misrepresent your identity.

All content, design, code, trademarks, and other intellectual property belong to Plutus FIRE Limited or our licensors. You may not copy, modify, distribute, or create derivative works without our prior written consent. "Myney" and the Myney logo are trademarks of Plutus FIRE Limited.

We aim to keep the Service available but do not guarantee uninterrupted access. We may perform maintenance, modify features, or discontinue the Service with reasonable notice.

The Service is provided "as is" and "as available" without warranties. We do not guarantee accuracy of financial data or recommendations. We are not liable for decisions you make based on Myney information, or for loss from third-party providers. Our total liability shall not exceed €100. Nothing excludes liability for death, personal injury, fraud, or liability that cannot be excluded under law.

You agree to indemnify and hold harmless Plutus FIRE Limited, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from your breach of these Terms or misuse of the Service.

By You: You may delete your account at any time through the app or by emailing dpo@getmyney.com.

By Us: We may suspend or terminate access if you breach these Terms, if required by law, or if we reasonably believe your account is compromised or used fraudulently.

These Terms are governed by the laws of Ireland. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ireland. This does not affect mandatory consumer protection rights under the laws of your country of residence.

We may update these Terms from time to time. When we make material changes, we will notify you via email or in-app notification. Your continued use constitutes acceptance of the revised Terms.

If any provision is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

These Terms are drafted in English. Translations into other languages are provided for convenience only. In the event of any inconsistency or conflict between the English version and any translated version, the English version shall prevail.

Plutus FIRE Limited
Venture Hub, 136 Capel Street
Dublin, D01 T2C9, Ireland

Email: dpo@getmyney.com