Warunki korzystania

Effective from:________

Obowiązujący dokument jest na razie dostępny tylko w języku angielskim. Polska wersja zostanie opublikowana po weryfikacji prawnej.

1. About these Terms

1.1. These Terms govern your use of the App and the Service and form a binding agreement between you and the Provider.

1.2. The Provider is an entrepreneur entered in the Central Register and Information on Economic Activity (CEIDG). In these Terms, the Provider is also referred to as "we", "us" or "our".

1.3. You can contact us at , by telephone at +48 787 008 617, through the support form in the App, or by post at ul. Pokorna 2 lok. 506, 00-199 Warsaw, Poland.

1.4. Please read these Terms before creating an Account. You accept these Terms when you create an Account by tapping "Create account" on the registration screen, where these Terms and the Privacy Policy are made available to you. If you do not agree to these Terms, do not create an Account or use the Service.

1.5. How we process your personal data is described in our Privacy Policy available at https://infermoney.com/privacy.

2. Definitions

2.1. In these Terms, unless the context requires otherwise, the following capitalised terms have the following meanings:

2.2. Words in the singular include the plural and vice versa. Headings are for convenience only and do not affect interpretation.

3. The Service

3.1. InferMoney is a personal finance and budgeting tool. Within your Account you can record your personal finances and, in a separate Segment, the finances of your own sole proprietorship or freelance activity. The Service does not connect to bank or other financial accounts, does not make or receive payments and does not hold your money; you enter all data in the Service yourself.

3.2. The Service lets you:

3.3. Contract. A contract for access to the Service is concluded when you create an Account. It is concluded for an indefinite period and remains in force until terminated under section 15. A Subscription is purchased separately through the relevant Store and becomes effective when the Store confirms the purchase. The Subscription forms part of the contractual relationship governed by these Terms.

3.4. Technical requirements. To use the Service, you need a device running a version of iOS or Android supported by the current version of the App, as indicated in the relevant Store, an active email address and an internet connection. An internet connection is required to create an Account, synchronise data, purchase a Subscription and use the AI Features; other functions of the App also work offline.

3.5. Purpose and limitations. The Service is a personal finance management tool. It is not accounting, bookkeeping, tax return preparation, brokerage or portfolio management software and does not provide regulated financial services. It is not intended to replace records that you are required to maintain under applicable tax, accounting or other laws. Section 11 explains the limitations of its estimates, calculations and AI Output.

4. Eligibility and your Account

4.1. Age. You must be at least 18 years old and have full legal capacity to use the Service. By creating an Account, you confirm that you meet these requirements. If we learn that you are under 18, we may terminate the contract under section 15.3.

4.2. Personal Account. An Account always belongs to one natural person. Corporate, shared and team accounts are not available. You may not share your Account or transfer it to anyone else.

4.3. Accurate information. You must give a valid email address that you control and keep your Account details up to date. We send important information about the Service and these Terms to that address.

4.4. Account security. You are responsible for keeping your password, your PIN code (if enabled) and your devices secure. Do not share them with anyone. Tell us without delay at if you suspect unauthorised access to your Account.

4.5. Electronic-service risks. Using online services involves risks such as unauthorised access, phishing, malicious software and compromised devices or networks. Protect your credentials, use trusted networks and keep your device and App software up to date. Offline data that has not synchronised may be lost as described in section 10.2. These precautions do not limit our obligations under mandatory law.

5. Free Trial and Subscription

5.1. Access model. The Service is available free of charge during the Free Trial. After the Free Trial expires, an active Subscription is required to access the Service. Certain account-management, legal, support and Subscription-purchase functions may remain available without an active Subscription where technically necessary. Statutory data-access, retrieval and deletion rights are not conditional on purchasing a Subscription.

5.2. Free Trial. You are entitled to a Free Trial for 30 days from the date on which you create your Account. The Free Trial is provided free of charge, does not require you to provide any payment details and is not arranged through a Store. When the Free Trial expires, it does not convert into a Subscription and no charge is made. The AI Features are not included in the Free Trial.

After the Free Trial expires, unless you purchase a Subscription, your access to the Service is limited as described in section 5.1. Your Account and Your Content remain stored until your Account is deleted or the contract is terminated under section 15, subject to the retention periods set out in the Privacy Policy.

5.3. Subscription plans and prices. We offer monthly and annual Subscriptions. Before you buy, the App and the Store show the plans, their price in your local currency (including any applicable taxes) and the length of each Subscription period. The Store sets local prices, so they may differ between countries.

5.4. Purchase through a Store. You can purchase a Subscription only as an in-app purchase through the relevant Store. We do not sell Subscriptions on our website or elsewhere. Subscriptions are purchased and billed through the relevant Store. Payment processing, billing, taxes, payment methods and certain aspects of the purchase process are subject to the applicable Store terms and policies. We do not receive or store your complete payment card details. We remain responsible for the Service to the extent required by applicable law and the applicable Store rules.

5.5. Automatic renewal. Your Subscription renews automatically at the end of each period for a further period of the same length at the applicable renewal price, subject to section 5.7 and the relevant Store rules. The Store charges your payment method. Renewal continues until you cancel. To avoid renewal, you must cancel before the renewal deadline shown by the relevant Store. Cancellation and renewal timing are governed by the Store through which the Subscription was purchased.

5.6. Cancelling a Subscription. You can cancel through your Store account settings (Apple ID subscriptions or Google Play subscriptions). Deleting the App or your Account does not automatically cancel an active Subscription purchased through a Store. You must manage or cancel the Subscription separately through that Store. Cancellation ordinarily takes effect at the end of the current paid period; any right to earlier termination or a refund under mandatory law or the applicable Store rules remains unaffected. Keeping access until the end of a paid period requires an Account that has not been deleted or otherwise terminated.

5.7. Price changes. We may change Subscription prices for future periods. We will tell you in advance through the App, by email or through the Store, in line with Store rules. Where the Store requires your consent to a price increase, the new price applies only once you give it. You can cancel before the new price takes effect. A price change never affects a period you have already paid for.

5.8. Refunds. Refunds for purchases made through a Store are processed in accordance with the refund procedures of that Store. We do not undertake to provide refunds except where required by applicable mandatory law or the applicable Store rules. If a Store refunds a payment, access associated with that purchase may end in accordance with the Store rules. This section does not limit your statutory rights under sections 5.9 and 12.

5.9. Statutory right of withdrawal. Nothing in these Terms limits any statutory right of withdrawal that cannot be waived under applicable law. Where a Subscription is purchased through a Store, a withdrawal or refund request should be submitted using that Store's procedure, without prejudice to any rights that must by law be exercised directly against us. Information on the 14-day right of withdrawal applicable to qualifying distance contracts for digital services, and a model withdrawal form, are set out in Annex 1. No waiver of that right or request for early performance is inferred merely from accepting these Terms or using the Service. If the payment for the Subscription has already been reimbursed by the Store, it will not be reimbursed again, and any amount reimbursed more than once must be returned.

6. AI Features

6.1. With an active Subscription, you may use the Monthly Report, an AI-generated summary of your finances for each completed month, and the Journal, a chat in which you write or dictate entries and receive AI-generated responses.

6.2. Use of artificial intelligence. The Monthly Report and the responses in the Journal are generated automatically by an artificial intelligence model and are not prepared or reviewed by a human.

6.3. AI providers. The AI Features use one or more third-party artificial intelligence service providers. Information about the processing of personal data in connection with the AI Features is provided in the Privacy Policy.

6.4. Limits of AI Output. AI Output is generated by probabilistic models. It may be inaccurate, incomplete, outdated or inappropriate for your situation, even when it sounds confident. We do not guarantee that AI Output will be accurate, complete, unique, error-free or suitable for any particular purpose. AI Output is provided for informational purposes only and is subject to section 11. You must not treat it as financial, investment, tax, accounting or legal advice.

6.5. Usage limits. We may apply reasonable technical or usage limits to the AI Features where necessary to prevent abuse, protect the Service, manage technical capacity or comply with restrictions imposed by third-party service providers. Any material limit that forms part of a paid Subscription will be disclosed where required by applicable law. A limit may temporarily restrict the relevant AI Feature. The rights of Consumers and Entrepreneurs with Consumer Rights under mandatory law remain unaffected.

6.6. Prohibited use of AI Features. You must not use the AI Features to create unlawful, harmful, deceptive, abusive or infringing content, attempt to circumvent their safeguards or cause them to produce content outside their intended purpose, including by prompt injection, or use the AI Features or AI Output to develop or train any artificial intelligence model. If you breach this section, we may suspend your access to the AI Features in accordance with section 15.3.

7. Your Content

7.1. Ownership and licence. Your Content belongs to you and is visible only in your Account. To the extent Your Content is protected by intellectual property rights, you grant us a non-exclusive, royalty-free, worldwide licence to store, reproduce, synchronise, back up, display and otherwise technically process it, including through our service providers and the AI Features, solely to provide the Service to you, until it is deleted from our systems.

7.2. Your responsibility. You are responsible for the accuracy and lawfulness of Your Content and for having the right to enter it.

7.3. Restrictions. We do not monitor Your Content, but we may restrict or remove it where necessary to secure the Service, enforce these Terms or comply with the law. You may submit a complaint about such a restriction under section 12.

7.4. Export and copies. You can export certain categories of Your Content in the App, as indicated there. You may also request a copy of Your Content by email to , sent from the email address associated with your Account. The scope of the export function does not limit your statutory rights to access and receive your data.

7.5. Resetting data. You can delete all of Your Content at any time using the reset function in the App. The reset takes effect immediately, cannot be undone and does not delete your Account.

8. Acceptable use

8.1. Permitted use. You may use the Service only for your own personal finances and your own sole-proprietorship, freelance or similar individual business activity. You may not use the Service to keep records for other persons or to provide bookkeeping or similar services to them.

8.2. Prohibited use. You must not use the Service for unlawful purposes, enter unlawful content or content that infringes the rights of others, introduce malicious code, attempt to gain unauthorised access to the Service or other users' accounts, interfere with or place an excessive load on the Service or the systems of our service providers, including through mass automated requests, or resell or otherwise make the Service available to third parties. We may limit activity that breaches this section and, where necessary, suspend or terminate access under section 15.3.

9. Third-party services and data

Downloading the App, payments through a Store and device functions such as speech recognition and biometric unlock are provided by Apple or Google under their own terms. Market quotes and exchange rates are obtained from third-party data providers, may be delayed or differ from those of brokers, banks or other sources, and are provided for indicative purposes only; we do not guarantee that they are complete, accurate or current.

10. Availability and changes to the Service

10.1. Availability. We do not guarantee that the Service will be available without interruption or errors. It may be temporarily unavailable due to maintenance, failures, security incidents or events beyond our reasonable control.

10.2. Offline use. The App works offline and synchronises your changes when you reconnect. Changes made offline are stored only on that device until synchronisation and may be lost if the device or the App is lost, damaged or deleted before then.

10.3. Updates. We release updates to keep the Service secure and in conformity with these Terms. If you do not install an update we have told you about, we are not responsible for any lack of conformity resulting solely from that.

10.4. Changes to the Service. We may change the Service to comply with the law, address security risks or abuse, resolve technical issues, respond to changes in third-party services or develop the Service. Such changes are made at no additional cost to you. If a change materially and negatively affects your access to or use of the Service, we will inform you in advance by email, and you may terminate the contract free of charge within 30 days of the change or of being informed of it, whichever is later.

10.5. Discontinuation. We may discontinue the Service for legal, security, technical or legitimate business reasons. In that case, we will inform you in advance, enable you to obtain a copy of Your Content and refund any prepaid fee for the period after discontinuation.

11.1. The Service is an informational and organisational tool. It does not provide financial, investment, tax, accounting or legal advice and is not a regulated financial service. Nothing in the Service, including AI Output, is a recommendation to make any financial decision.

11.2. Budgets, tax and VAT estimates, forecasts, goals, portfolio values, reports and other calculations are based on the data and parameters you provide and on third-party data. Tax and VAT estimates do not determine your actual tax liability, and the Service does not replace the records you are required to keep under tax, accounting or other laws. You are responsible for verifying information before relying on it, and financial decisions you make using the Service are your own.

12. Conformity and complaints

12.1. We are responsible for the conformity of the Service with these Terms. If you are a Consumer or an Entrepreneur with Consumer Rights, you are entitled to the remedies provided by law in the event of non-conformity, including bringing the Service into conformity, a price reduction or termination of the contract.

12.2. You can submit a complaint about the Service by email to or through the support form in the App, describing the problem and giving the email address of your Account. We will respond to a complaint from a Consumer within 14 days of receiving it.

13. Liability

13.1. We are not liable for decisions you make on the basis of the Service, for losses resulting from inaccurate data you enter or from the loss of data not synchronised before a device was lost or damaged, for unauthorised access to your Account caused by your failure to keep your login details or devices secure, or for third-party services provided under their own terms, unless the loss results from our breach of these Terms or of the law.

13.2. If you are neither a Consumer nor an Entrepreneur with Consumer Rights, the Service is provided "as is", the statutory warranty is excluded, we are not liable for loss of profit or for indirect or consequential loss, and our total liability is limited to the fees you paid for the Service in the 12 months preceding the event giving rise to the claim.

13.3. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for damage caused intentionally, or limits the statutory rights of Consumers or Entrepreneurs with Consumer Rights.

14. Intellectual property and licence to use the App

14.1. Our rights. The App and the Service, including software, design, texts, graphics, the InferMoney name and logo, belong to us or our licensors and are protected by intellectual property law. Your Content is not part of them (section 7).

14.2. Your licence. For as long as the contract is in force, we grant you a personal, non-exclusive, non-transferable, non-sublicensable licence to install and use the App on devices you own or control, and to use the Service for the purposes allowed in section 8.1. Use of an App downloaded from a Store is also subject to that Store's usage rules.

14.3. Restrictions. Except as permitted by mandatory law or these Terms, you may not copy, modify, distribute, sell, decompile, reverse engineer or create derivative works from the App or the Service.

15. Account deletion and termination

15.1. Deleting your Account. You can terminate the Account contract at any time, without giving a reason and without a termination fee, by requesting deletion in the App (Profile → Delete account) or by emailing from the address of your Account, subject to identity verification where permitted by law. The deletion process is described in section 15.2. Deleting your Account does not automatically cancel an active Subscription purchased through a Store. You must manage or cancel the Subscription separately through that Store. Account deletion by itself does not entitle you to a refund, except where required by mandatory law or the applicable Store rules.

15.2. 30-day grace period. After you request deletion, your Account is scheduled for deletion in 30 days. During that time you can cancel the deletion by logging in again. After the grace period, your Account and Your Content are removed from the active Service and cannot be restored through the App. Residual copies may remain for limited periods in backups or where retention is required by law, as described in the Privacy Policy. The grace period does not extend any mandatory deadline for exercising or complying with statutory rights. Before deleting your Account, use the available export tools or exercise applicable statutory retrieval rights if you want to keep a copy (section 7.4).

15.3. Suspension and termination by us. We may suspend or restrict your access to the Service, in whole or in part, or terminate the contract for the following important reasons: (a) you materially or repeatedly breach these Terms; (b) your use of the Service is unlawful or fraudulent or threatens the security of the Service or other users; (c) you do not meet the age and capacity requirements set out in section 4.1; (d) we are required to do so by law or by a decision of a competent authority; or (e) the continued provision of the Service has become technically or legally impossible, including because a Store or a third-party service on which the Service depends has ceased to be available.

15.4. In the cases referred to in points (a) and (b), we will first ask you to remedy the breach, unless the breach is serious or cannot be remedied. In the cases referred to in points (c) and (d), we may act immediately. In the case referred to in point (e), we will notify you at least 30 days in advance where possible and refund any prepaid fee for the period after termination. We will inform you of the reasons for our decision by email, and you may submit a complaint under section 12.

15.5. Effects of termination. If we terminate the contract, any mandatory rights to a refund, retrieval of content or other remedies remain unaffected. No refund is promised beyond what applicable mandatory law or the relevant Store rules require. Statutory duties regarding content and personal data continue to apply after termination.

16. App Store and Google Play terms

16.1. Apple App Store. If you downloaded the App from the Apple App Store:

16.2. Google Play. If you downloaded the App from Google Play, these Terms are concluded between you and us only, not with Google LLC or its affiliates ("Google"). We, not Google, are solely responsible for the App, its maintenance and support, and for any claims relating to it. Your use of Google Play, including purchases, is also subject to the Google Play Terms of Service. If these Terms conflict with Google Play's terms on the purchase of a Subscription, Google Play's terms prevail for that purchase.

17. Changes to these Terms

17.1. We may amend these Terms only for important reasons, namely a change in applicable law or a decision or guidance of a court or competent authority affecting these Terms, a change in the Service made in accordance with section 10.4, a change in the terms of Apple, Google or our service providers affecting the provision of the Service, the need to protect the security of the Service or its users or to prevent abuse, a change in our contact or business details, or editorial changes that clarify these Terms without reducing your rights.

17.2. Notice. Material changes affecting your contractual rights will be notified in advance, using a durable medium where required by applicable law. The notice will identify the changes and when they take effect. Editorial changes, corrections, changes to contact details and changes that do not adversely affect your rights may take effect when published where permitted by law. Changes required urgently for legal, regulatory or security reasons may take effect earlier where permitted by law. The current Terms are published at https://infermoney.com/terms.

17.3. Effect of changes. Where applicable law permits amendments to an ongoing contract by notice, the notice will explain any right to reject the amendment or terminate before it takes effect. Where applicable law requires your express consent, the amendment will not apply to you unless that consent has been obtained. Continuing to use the Service does not override any mandatory consent requirement or other statutory protection. Statutory termination and refund rights remain unaffected. Changes to the Service itself are also subject to section 10.4.

18. Governing law and disputes

18.1. Governing law. These Terms and the contract between you and us are governed by Polish law. If you are a Consumer habitually resident outside Poland, this choice of law does not deprive you of the protection of the mandatory consumer protection provisions of the law of your country of residence.

18.2. Courts. Disputes arising from these Terms are resolved by the Polish courts. If you are neither a Consumer nor an Entrepreneur with Consumer Rights, the court with jurisdiction over the Provider's registered place of business has exclusive jurisdiction.

18.3. Consumers. If you are a Consumer or an Entrepreneur with Consumer Rights, section 18.2 does not limit jurisdiction provided by mandatory law. Where the consumer-jurisdiction rules of Regulation (EU) No 1215/2012 or another applicable mandatory instrument apply, you may bring proceedings in the courts permitted by those rules, including the courts of your domicile where those rules so provide, and we may bring proceedings against you only as those rules permit.

19. Final provisions

19.1. Severability. If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in force. Where the law allows, the invalid provision is replaced by a valid one closest to its purpose. For Consumers, any provision found abusive does not bind them, and the rest of the Terms remain binding.

19.2. Assignment. You may not transfer your rights or obligations under these Terms to anyone else. We may transfer the contract to a successor of our business, for example on a sale or transfer of the business, provided that this does not reduce your rights. We will notify you in advance, and you may terminate the contract if you do not agree.

19.3. Language. These Terms are originally prepared in English. Translations may be provided. The English version prevails except where mandatory law requires another language version to be provided or to prevail. In particular, where Polish law requires a Polish-language version, that version applies to the extent required by that law. Communications are provided in English or another language supported for the relevant communication, subject to mandatory language requirements.

19.4. Contact. The email address in section 1.3 may be used for questions about these Terms, the Service and any applicable statutory rights. Any additional contact or procedural requirements imposed by applicable law remain unaffected.

19.5. Effective date. These Terms are effective from [date]. Previous versions are available on request.

Annex 1 - Statutory withdrawal information and model form

This Annex applies only where applicable mandatory law gives you a right to withdraw from the relevant distance contract. It does not create a contractual refund policy or extend withdrawal rights to Users who do not have them by law. Mandatory provisions of your country of residence remain unaffected.

A. Right of withdrawal

If you are a Consumer or an Entrepreneur with Consumer Rights entitled to withdraw under Polish law, you have the right to withdraw from the relevant distance contract within 14 days without giving any reason. The period expires 14 days after conclusion of that contract. For a Subscription purchased separately, this means conclusion of the Subscription purchase described in section 3.3, rather than the earlier creation of your Account. Other statutory rules on commencement, extension or exceptions apply where required by law.

To exercise the right, inform Stanislau Malchykau, ul. Pokorna 2 lok. 506, 00-199 Warsaw, Poland, email: , telephone: +48 787 008 617, of your decision by an unequivocal statement, for example by email or post. You may use the form below, but it is not obligatory. For a Store purchase, you should also use the relevant Store withdrawal/refund procedure where applicable; this does not restrict any right exercisable directly against us. To meet the deadline, it is sufficient to send your statement before the withdrawal period expires.

B. Effects of withdrawal

Where we are legally responsible for reimbursement following a valid withdrawal, we will reimburse the payments for the withdrawn contract without undue delay and no later than 14 days after being informed of your decision, using the same means of payment unless you expressly agree otherwise without incurring a fee. Store-billed reimbursements are processed through the applicable Store procedure, without limiting any statutory deadline or liability. You will not incur a reimbursement fee.

If you expressly requested that performance of a paid service begin during the withdrawal period and all statutory conditions were satisfied, you may have to pay an amount proportionate to what was provided before you communicated withdrawal, compared with full coverage of the contract. The agreed price is used unless excessive, in which case the market value is used as required by law. No such amount is payable where the required request or information was not obtained or provided.

Following withdrawal, you must stop using the service covered by the withdrawn contract. Statutory rules on retrieval and further use of content and the processing of personal data remain applicable, including any right to receive qualifying non-personal content free of charge, without hindrance, within a reasonable time and in a commonly used machine-readable format where the law so provides. Withdrawal from a separately purchased Subscription does not by itself constitute a request to delete your Account; use section 15 for account deletion.

C. Model withdrawal form

Complete and return this form only if you wish to withdraw from the contract.

To: Stanislau Malchykau, ul. Pokorna 2 lok. 506, 00-199 Warsaw, Poland; .

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the following service: ______________________________

Contract concluded / ordered on: ______________________________

Name of consumer(s): ______________________________

Address of consumer(s): ______________________________

Signature of consumer(s) (only if this form is submitted on paper): ______________________________

Date: ______________________________

(*) Delete as appropriate. You may additionally provide your Account email address and Store order reference to help identify the purchase; these details do not replace or restrict the statutory form.