Terms of Service

These Terms of Service ("Terms") govern your use of the Centmond apps and website. By creating an account or using Centmond in any way, you agree to these Terms. If you do not agree, do not use the service.

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 13 years old, or the minimum age set by your country's law for using a digital service, whichever is higher. By signing up you confirm that you meet that requirement and have the legal authority to accept these Terms.

Your account

You are responsible for keeping your login credentials safe and for every action taken under your account. If you suspect unauthorised access, email mani.scs.gh@gmail.com immediately. We may suspend or terminate accounts used for fraud, abuse, or activity that puts other users or the service at risk.

What the service does

Centmond is a personal finance app for iPhone, Mac, and the web. It helps you organise transactions, budgets, subscriptions, goals, and investments, with on-device AI features in the mobile and desktop apps. 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 are provided "as is"; we do not guarantee accuracy. Centmond does not execute trades, hold custody of assets, or provide investment advice.

Beta and TestFlight

While Centmond is distributed through TestFlight or marked as beta, the app may contain bugs, change unexpectedly, or be temporarily unavailable. We will do our best to communicate breaking changes, but no SLA applies during the beta period.

Pricing

Centmond is free during the TestFlight beta. After public launch the core app remains free, and a defined set of advanced features will move into a paid plan. We will give clear notice in the app and by email before any feature changes price. TestFlight beta participants will be considered for grandfathered pricing.

AI models and downloads

The on-device AI features in the iOS and macOS apps rely on Gemma model files that the app downloads from Hugging Face on first use. Those files are governed by Google's license for the Gemma family of models. You agree not to redistribute the model files or use them in ways that violate that license.

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 an encrypted 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.

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 the Gemma models, llama.cpp, 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 and where data is stored, is on the Sub-processors page. Your use of those services through Centmond is also subject to their own terms, including:

• Apple— App Store and TestFlight distribution.
• Supabase— authenticated storage and database hosting.
• Vercel— website and web-app hosting.
• Enable Banking— optional bank connections.
• Finnhub, CoinGecko, Alpha Vantage— optional Investments price data.
• Hugging Face— one-time model download for on-device AI on iOS and macOS.

Disclaimers

Centmond is provided "as is" and "as available". To the maximum extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the service will be uninterrupted, error-free, or completely secure. Statutory warranty rights for consumers under mandatory law remain unaffected.

Limitation of liability

To the maximum extent permitted by law, Centmond will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, revenue, data, or goodwill, arising out of or related to your use of the service. Our total aggregate liability for any claim arising out of or related to the service is limited to the amount you have paid us in the twelve months before the claim, or EUR 50, whichever is greater.

Nothing in these Terms limits liability for intent, gross negligence, injury to life or body, or any other liability that cannot be limited or excluded under applicable mandatory law.

Indemnification

You agree to indemnify and hold harmless Centmond, its operator, and its contractors from any claims, losses, or damages, including reasonable legal fees, arising out of your use of the service or your violation of these Terms.

Changes to the service

We may add, change, or remove features over time. If we discontinue a feature you rely on, we will give reasonable notice and, where practical, an export path for your data.

Changes to these Terms

If we make material changes, we will update the "last updated" date at the top of this page and, where appropriate, notify you in the app or by email. Continued use of Centmond after the changes take effect constitutes acceptance of the new Terms. If you do not agree, you can stop using the service and delete your account.

Termination

You can stop using Centmond at any time and delete your account from inside the app. We can terminate or suspend your access for breaches of these Terms or for activity that puts the service or other users at risk. We will give reasonable notice unless an immediate suspension is necessary to protect the service or other users.

Governing law and jurisdiction

These Terms are governed by the laws of the Federal Republic of Germany, without regard to its conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods does not apply. The place of jurisdiction for disputes is the competent court at the operator's place of business, except where mandatory local law (including consumer-protection rules in your country of residence in the EEA) gives you a different right.

EU online dispute resolution

The European Commission provides a platform for online dispute resolution available at ec.europa.eu/consumers/odr. Centmond is not obliged and not willing to participate in dispute resolution proceedings before a consumer arbitration board.

Contact

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