Effective date: January 16, 2025
Last updated: January 16, 2025
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you", "your") and NOVA V, a company registered in Belgium ("Company", "we", "us", "our"), governing your access to and use of the MyMoney personal finance platform, including any related websites, applications, and services (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.
These Terms are governed by Belgian law and comply with applicable European Union consumer protection regulations, including Directive 2011/83/EU on consumer rights.
In these Terms, unless the context requires otherwise:
The Service is intended exclusively for users located in the European Union and European Economic Area (EU/EEA). By using the Service, you represent and warrant that you are physically located within the EU/EEA. We reserve the right to restrict access from other locations.
To use the Service, you must:
The Service is a web-based personal finance management platform that allows users to track income, expenses, budgets, and investments. The Service may integrate with third-party banking providers to import financial data. We do not provide financial advice, and the Service should not be relied upon for investment, tax, or other financial decisions.
To access certain features of the Service, you must create an Account by providing accurate, current, and complete information, including a valid email address. You agree to update your information to keep it accurate and current.
You are responsible for:
We will not be liable for any loss or damage arising from your failure to protect your Account credentials.
Each individual may maintain only one Account. We reserve the right to terminate duplicate accounts.
We offer the following subscription plans:
| Plan | Monthly Billing | Annual Billing |
|---|---|---|
| Free | €0/month | €0/year |
| Plus | €9/month | €84/year (€7/month equivalent) |
| Premium | €15/month | €144/year (€12/month equivalent) |
All prices are in Euros (€) and include applicable VAT. Features available under each plan are described on our Pricing page, which forms part of these Terms.
We reserve the right to modify subscription prices. Any price changes will be communicated to you at least 30 days before taking effect. Price changes will apply to the next billing cycle after the notice period. If you do not agree to a price change, you may cancel your Subscription before the new price takes effect.
Important: Paid subscriptions automatically renew at the end of each billing period unless you cancel before the renewal date.
Your Subscription will automatically renew at the end of each billing period at the then-current price, unless you cancel before the renewal date. Your payment method will be charged automatically on each renewal date.
We accept payment methods as displayed during the checkout process. You authorize us to charge your selected payment method for all fees incurred. You are responsible for keeping your payment information current.
If a payment fails, we may retry the charge and/or suspend access to paid features until payment is received. We will notify you of any payment failures and provide an opportunity to update your payment method.
You may cancel your Subscription at any time by:
Upon cancellation:
Cancellations are effective at the end of the current billing period. We do not provide prorated refunds for partial billing periods.
General Policy: No refunds are provided.
The Service is a personal finance tracking and management tool. We provide features and functionality to help you organize your financial data. We do not and cannot guarantee specific financial outcomes, savings, or results. Your financial decisions and their outcomes are your sole responsibility.
We offer a Free plan that allows you to evaluate core features before committing to a paid Subscription. We strongly encourage you to use the Free plan to determine whether the Service meets your needs.
Under EU Directive 2011/83/EU, you have the right to withdraw from a contract for digital content within 14 days of purchase. However, by using the Service immediately upon subscription, you acknowledge and consent that you lose this right of withdrawal once the digital content has been fully provided. This is in accordance with Article 16(m) of the Directive.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial financial management purposes.
You agree not to:
You retain all ownership rights to your User Data. We do not claim ownership of any data you input into the Service.
By using the Service, you grant us a limited, non-exclusive license to access, process, and display your User Data solely for the purpose of providing and improving the Service. This license terminates when you delete your Account.
You are responsible for the accuracy and legality of your User Data. We are not responsible for verifying the accuracy of data you enter or data imported from third-party services.
In accordance with the GDPR, you have the right to receive your User Data in a structured, commonly used, machine-readable format. Contact us to request data export.
Bank account connections are provided through GoCardless Ltd (trading as Nordigen), a licensed Account Information Service Provider (AISP) authorized under the Payment Services Directive 2 (PSD2). GoCardless is regulated by the Financial Conduct Authority (FCA).
When you connect a bank account, you:
Bank connections typically remain active for 90-180 days depending on your bank's policies. You may need to re-authorize the connection periodically. You can revoke access at any time through the Service or directly through your bank.
Your use of bank connections is also subject to GoCardless's terms of service and your bank's terms. We are not responsible for the availability, accuracy, or functionality of third-party banking services.
The Service, including its software, design, text, graphics, logos, icons, images, and all other content (excluding User Data), is owned by NOVA V or its licensors and is protected by copyright, trademark, and other intellectual property laws of Belgium, the European Union, and international treaties.
"MyMoney", "NOVA V", and associated logos are trademarks of NOVA V. You may not use our trademarks without prior written permission.
If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use and incorporate such feedback into the Service without compensation or attribution.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
We do not warrant or guarantee that:
The Service does not constitute financial, investment, tax, legal, or other professional advice. Any information, insights, or suggestions provided by the Service are for informational purposes only. You should consult qualified professionals before making financial decisions.
Nothing in this section excludes or limits warranties that cannot be excluded or limited under applicable law, including EU consumer protection laws. As an EU consumer, you have statutory rights that are not affected by these Terms.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, NOVA V SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
Our total aggregate liability for all claims arising from or related to the Service shall not exceed the greater of: (a) the amount you paid us in the 12 months preceding the claim, or (b) €100.
The limitations in this section do not apply to: (a) liability for death or personal injury caused by negligence; (b) fraud or fraudulent misrepresentation; (c) any liability that cannot be excluded under applicable law; or (d) our obligations under data protection law (GDPR).
You acknowledge that the limitations of liability reflect a reasonable allocation of risk and are a fundamental element of the basis of the bargain between you and us. The Service would not be provided without such limitations.
You agree to indemnify, defend, and hold harmless NOVA V and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable legal fees) arising from or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party; or (d) your User Data. This indemnification obligation does not apply to the extent the claim arises from our negligence or willful misconduct.
You may delete your Account at any time through Settings. Upon deletion, your User Data will be permanently removed in accordance with our Privacy Policy.
We may suspend or terminate your Account if you:
Upon termination, your right to use the Service ceases immediately. Sections of these Terms that by their nature should survive (including intellectual property, disclaimers, limitations of liability, and indemnification) shall survive termination.
We may modify these Terms at any time. When we make material changes:
Your continued use of the Service after changes become effective constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and may cancel your Subscription.
These Terms shall be governed by and construed in accordance with the laws of Belgium, without regard to its conflict of law provisions.
Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of Belgium.
If you are a consumer residing in the EU, nothing in this section deprives you of: (a) the protection of mandatory consumer protection laws of your country of residence; or (b) the right to bring proceedings in the courts of your country of residence.
The European Commission provides an Online Dispute Resolution (ODR) platform for EU consumers at https://ec.europa.eu/consumers/odr. We are willing to participate in out-of-court dispute resolution procedures but are not obligated to do so.
These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us regarding the Service and supersede all prior agreements, understandings, and communications.
If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, deemed severed. The remaining provisions shall continue in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by us.
You may not assign or transfer these Terms or your rights under them without our prior written consent. We may assign these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, power failures, internet or telecommunications failures, or cyberattacks.
We may provide notices to you via email to the address associated with your Account or through the Service. You must provide notices to us via email to sven@svenvanpoucke.com. Notices are effective upon receipt.
These Terms are provided in English. In the event of any conflict between the English version and any translation, the English version shall prevail.
Section headings are for convenience only and do not affect the interpretation of these Terms.
For questions, concerns, or notices regarding these Terms, please contact:
NOVA V
Onze Lieve Vrouwestraat 63
8770 Ingelmunster
Belgium
Email: sven@svenvanpoucke.com