Terms of Service

These Terms of Service ("Terms") govern your use of the Centmond apps and website. By creating an account you agree to these Terms. How we handle your personal data is described separately in the Privacy Policy, which is information for you rather than something you agree to.

Who we are

Centmond is operated by Seyedmani Hosseinighahroodi (sole proprietor, Einzelunternehmen) based in Germany. The full legal information is on the Imprint page. We can be reached at mani.scs.gh@gmail.com.

Eligibility

You must be at least 18 years old and have full legal capacity to enter into this contract. Centmond holds bank-account and transaction data, so we do not open accounts for minors: we operate no parental-consent process and we do not knowingly accept sign-ups from anyone under 18. If we learn that an account belongs to a minor, we will close it and delete the data.

What the service does

Centmond is a personal finance app that runs in your web browser. It helps you organise transactions, budgets, subscriptions, goals, and investments, with an optional AI assistant. Native iPhone and Mac apps are in development and are not yet available. It is not a financial advisor, accountant, or tax preparer. Anything Centmond tells you, including AI-generated suggestions, is informational only and not professional financial, investment, tax, or legal advice. You are responsible for your own financial decisions.

Bank connections

Centmond optionally integrates with Enable Banking Oy, a Finnish Account Information Service Provider (AISP) supervised by the Finnish Financial Supervisory Authority (FIN-FSA), so you can connect a bank account and import transactions automatically. The connection is initiated by you and authorised through your bank's own consent flow via Enable Banking. You can revoke the connection at any time from inside the app. Enable Banking's terms and privacy policy apply in addition to ours whenever you use this feature.

Investments tracking

The Investments feature uses public market-data providers to fetch current prices for the symbols you record. Prices may be delayed and we do not warrant that a third-party quote is accurate or current. Centmond does not execute trades, hold custody of assets, or provide investment advice.

Beta

While Centmond is marked as beta, the app may contain bugs, change unexpectedly, or be temporarily unavailable, and no availability commitment applies. The same holds for any pre-release build of the iPhone or Mac apps once those are distributed. The beta label describes the maturity of the software; it does not reduce the statutory rights set out under Conformity, updates and warranty below.

Pricing and withdrawal

Centmond is currently free of charge and no payment data is collected. After public launch the core app remains free and a defined set of advanced features will move into a paid plan. Beta participants will be considered for grandfathered pricing.

No paid feature will ever be switched on for you without a separate, explicit order. Before any paid plan starts we will give you the pre-contractual information required by § 312d BGB and Art. 246a EGBGB (the total price including tax, the term, and the renewal and notice periods) together with a withdrawal notice (Widerrufsbelehrung) and the model withdrawal form, and we will provide the cancellation button required by § 312k BGB. As a consumer you then have 14 days to withdraw from a paid contract without giving a reason.

AI assistant

You are interacting with an AI system. Answers are generated by a large language model, can be wrong, incomplete, or out of date, and should be checked against your own records before you act on them. The assistant is informational only: it is not financial, investment, tax, or legal advice and it does not give personal recommendations to buy, sell, or hold an investment.

The assistant reads your data to answer your question and it can also prepare changes to it: adding a transaction, editing a budget, renaming a category. It never applies a change on its own: every change is shown to you as a proposal and runs only after you confirm it, and you can undo it afterwards. It runs through our own backend, which passes only the data your question needs to the inference provider named on the Sub-processors page. You can leave the assistant switched off and use every other part of Centmond.

Acceptable use

You agree not to:

• Use Centmond for illegal activity, including money laundering or tax evasion.
• Reverse engineer, decompile, or attempt to extract source code, model weights, or proprietary parts of the service, except as permitted by law.
• Probe, scan, or test the vulnerability of the service without permission, or attempt to disrupt other users.
• Resell, sublicense, or white-label the service without our written permission.
• Use the service to store or transmit content that infringes someone else's rights, including intellectual-property and privacy rights.
• Use the bank-connection feature to access accounts that are not yours or that you are not authorised to view.

Your content

You retain full ownership of the financial data you enter into Centmond. By using the sync feature, you grant us the limited rights we need to host a copy of that data so we can return it to you on another device. We do not claim any ownership over your transactions, budgets, holdings, or notes, and we do not use them to train AI models.

Intellectual property

Centmond, its name, logo, app icons, and the software itself are owned by us. You may not copy, modify, or distribute the software except as the app store terms permit. Third-party components used in Centmond (such as SwiftData, Radix UI, and others) remain the property of their respective owners and are licensed under their own terms.

Third-party services

Centmond relies on third-party services to operate. The full list, with what each one does, the role it plays, and where data is stored, is on the Sub-processors page. Where a provider acts as an independent controller rather than on our behalf, its own terms apply to you directly, including:

• Apple: App Store and TestFlight distribution of the iPhone and Mac apps, once those are released.
• Google: optional "Sign in with Google" authentication.
• Enable Banking: optional bank connections, under its own AISP licence.
• Supabase, Vercel, Cloudflare, Resend: hosting, database, bot protection, and email delivery, acting on our instructions.
• Finnhub, CoinGecko, Alpha Vantage: optional Investments price data.

Conformity, updates and warranty

Centmond is a digital service within the meaning of §§ 327 ff. BGB. Those rules apply to you as a consumer even though the service is free, because you provide personal data in return (§ 327 (3) BGB). Being labelled beta or free does not switch them off. Concretely:

• We owe the agreed functionality and the functionality, quality, durability and compatibility that is usual for a service of this kind and that you may expect, for the whole term of the contract.
• We owe the updates, including security updates, needed to keep the service in conformity, and we will inform you about them.
• If the service is not in conformity, you have the statutory remedies under §§ 327i ff. BGB: subsequent performance, and, where the statutory conditions are met, termination of the contract or damages.
• A deviation from the objectively required condition binds you only if we informed you of it specifically before you contracted and you expressly and separately agreed to it (§ 327h BGB).

Beyond that we do not warrant that the service will be uninterrupted or entirely free of errors, and we do not warrant the accuracy of data that third parties supply, such as market prices or transactions delivered by your bank through Enable Banking. Your statutory rights remain unaffected.

Limitation of liability

We are liable without limitation for intent and gross negligence, for injury to life, body or health, under the German Product Liability Act (Produkthaftungsgesetz), and to the extent we have given a guarantee.

For slight negligence we are liable only where we breach a material contractual obligation, meaning an obligation whose fulfilment makes the proper performance of this contract possible in the first place, and on whose observance you may regularly rely. In that case our liability is limited to the damage typical for this kind of contract and foreseeable when it was concluded. Any further liability for slight negligence is excluded.

This section does not limit liability that cannot be limited by agreement, in particular under Art. 82 GDPR, and it does not shift the burden of proof to your disadvantage.

Your responsibility for third-party claims

If a third party brings a claim against us because of content you stored in Centmond or an act you carried out through it, and you are at fault for the underlying breach of these Terms or of the law, you will reimburse the necessary costs of our legal defence. This does not apply where you are not responsible for the breach. We will tell you about such a claim without undue delay and give you the opportunity to comment before we defend it.

Changes to the service

We may develop the service further, and we may change or remove individual features where there is a valid reason (a security or legal requirement, a provider we depend on withdrawing a service, or a feature that is no longer viable to run), provided the change is reasonable for you and does not touch the main features of the contract. We will announce the removal of a feature at least 30 days in advance in the app and by email and give you an export path for the data held in it. The update duty described above is separate and applies in any case.

Changes to these Terms

We may amend these Terms only where there is a valid reason: a change in the law or in case law, a decision by a court or authority, a new or changed feature, a new technical or security requirement, or a change in our costs that is outside our control. Amendments are never made to the main obligations of the contract in a way that upsets its balance.

We will send you the new wording by email at least six weeks before it is due to take effect, together with the effective date and a note of what changed. If you do not object before that date, the amendment takes effect; we will point this out in the notice. If you do object, the amendment does not apply to you and either of us may terminate the contract for the effective date. Simply continuing to use Centmond is not treated as acceptance.

Termination

You can stop using Centmond at any time and delete your account from inside the app; that ends the contract immediately, with no notice period. We may terminate the contract by giving you two weeks' notice by email.

We may suspend or terminate access without notice only for good cause, in particular a serious or repeated breach of these Terms, use of the bank-connection feature for accounts you are not authorised to view, or conduct that endangers the service or other users. We will tell you the reason, you may object by email, and before an account is closed for cause we will give you a reasonable opportunity to export your data, unless doing so would be unlawful or would defeat the purpose of the suspension.

Governing law and jurisdiction

These Terms are governed by the law of the Federal Republic of Germany. The UN Convention on Contracts for the International Sale of Goods does not apply. If you are a consumer with your habitual residence in the EEA, this choice of law does not deprive you of the protection of the mandatory provisions of the law of your own country.

If you are a consumer, we may bring a claim against you only before the court of your place of residence, and you may sue us either there or at the court for our place of business. A place of jurisdiction at our place of business applies only where you are a merchant or a legal person under public law, where you have no general place of jurisdiction in Germany, or where you move your residence abroad after this contract is concluded.

Consumer dispute resolution

Centmond is not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board (§ 36 (1) No. 1 VSBG). The European Commission's Online Dispute Resolution platform, to which earlier versions of these Terms linked, stopped accepting complaints in March 2025 and was shut down on 20 July 2025.

Contact

Email mani.scs.gh@gmail.com with any question or notice about these Terms.