Terms and Conditions

Money Tracker (the “App”) and the website at trackmoney.ai (together, the “Service”) are provided by Macaroni Studios LLC (“Macaroni Studios”, “we”, “us”). These Terms and Conditions (“Terms”) govern your access to and use of the Service.

Our Privacy Policy explains how we handle your data and forms part of these Terms. Web purchases are also subject to our Refund Policy.

You must be at least 18 years old, or the age of majority where you live, and legally able to enter into a binding contract to use the Service. By using the Service you confirm that you meet these requirements. If you use the Service on behalf of a household or another person, you confirm that you are authorized to do so.

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to install and use the App on devices that you own or control, solely for your own personal, non-commercial financial management. The App is licensed, not sold.

You agree not to:

• Copy, modify, distribute, sell, rent, or sublicense the App or any part of it
• Reverse engineer, decompile, or attempt to extract the source code of the App, except where the law expressly permits it
• Circumvent any subscription, trial, referral, or security mechanism
• Use the Service to violate any law, or to access accounts or data you are not authorized to access
• Use automated means to access the Service, or interfere with its operation or the operation of our providers
• Remove or alter any proprietary notices in the App

The App creates an anonymous account on first launch. There is no username or password. Your account is tied to your device and to the app store account you use to subscribe. You are responsible for securing your device. We recommend enabling the App’s biometric lock.

You can delete your account at any time from Settings. Deletion is permanent and removes your server-side records, revokes any bank connections, and wipes the local database. See the Privacy Policy for details.

Money Tracker is a personal record-keeping and budgeting tool. Nothing in the Service constitutes financial, investment, tax, legal, or accounting advice, and the Service is not a substitute for a qualified professional. Balances, categorizations, forecasts, recurring-payment detection, and AI assistant responses are generated automatically and may be incomplete or wrong. Always confirm figures against your bank or card statements before relying on them.

We are not a bank, broker, payment institution, or financial adviser. We do not hold your funds, move money, or execute transactions on your behalf.

Bank synchronization is optional and is provided through Plaid Inc. (“Plaid”). When you connect a bank you authenticate directly with Plaid and authorize Plaid to retrieve your account information and transmit it to the App. You agree to the Plaid End User Privacy Policy when you do so.

You confirm that you are the owner or an authorized user of any financial account you connect. Bank data is provided as-is from your institution through Plaid. Institutions may change, delay, or interrupt access, and some may require you to re-authorize periodically. We are not responsible for the accuracy or availability of data supplied by your institution or by Plaid.

Plans may limit the number of connected institutions. You can disconnect an institution at any time from Settings.

Some features require a paid membership (currently “Sync” and “Pro”). Memberships are sold as auto-renewing subscriptions through the Apple App Store, Google Play, or, on this website, through Paddle.com Market Ltd (“Paddle”), which acts as merchant of record for web purchases.

• Free trial. New members may receive a free trial of the length shown at purchase. You will be charged when the trial ends unless you cancel at least 24 hours before it ends. One trial per person.
• Renewal. Your subscription renews automatically at the price shown at purchase until you cancel. Renewal is charged within 24 hours before the end of the current period.
• Cancellation. Cancel any time in your App Store or Google Play subscription settings, or through the Paddle receipt email for web purchases. Cancellation takes effect at the end of the current period, and you keep access until then.
• Price changes. If we change the price of a subscription, we will notify you in advance and the change will apply from your next renewal after the notice period required by the store or by law.
• Refunds. Purchases through Apple or Google are subject to their refund policies and are requested from them directly. Web purchases are covered by our Refund Policy. Nothing here limits any statutory right of withdrawal or refund you have as a consumer.
• Taxes. Prices may exclude applicable taxes, which are calculated at checkout by the store or Paddle.

Referral codes and promotional offers are subject to the conditions shown when they are offered, may be limited to one redemption per person or device, and may be withdrawn at any time. Abuse of a promotion may result in the promotional benefit being revoked.

You own the data you enter into or import to the App. Because that data is stored on your device, you are responsible for backing it up. Deleting the App deletes the local database, and we cannot recover it. The App can export your transactions as CSV at any time.

You are responsible for the content of any files you import and any messages you send to support, and you confirm that you have the right to use them.

Receipt scanning, automatic categorization, and the assistant use machine-learning models that run on your device through Apple Intelligence and Apple Vision. Availability depends on your device model, operating system version, and region. Outputs are generated automatically, may be inaccurate, and should be reviewed before you rely on them. Actions the assistant proposes are applied only when you confirm them.

The Service, including its software, design, text, graphics, logos, and the Money Tracker name, is owned by Macaroni Studios LLC or its licensors and is protected by copyright, trademark, and other laws. Except for the license in Section 3, no rights are granted to you. Feedback you send us may be used without obligation to you.

The App includes open-source components licensed under their own terms, which are available in the App’s acknowledgements or on request.

The Service relies on third-party providers including Plaid, Apple, Google, Paddle, RevenueCat, Supabase, Expo, PostHog, and Sentry. Their services are subject to their own terms and policies, and we are not responsible for their acts or omissions. Links to third-party sites are provided for convenience and do not imply endorsement.

We may update the App automatically to fix bugs, improve security, or add features. We may also change, suspend, or discontinue any part of the Service, including plan features and limits, with reasonable notice where practical. If we discontinue a paid feature you have already paid for, we will provide a pro-rated refund or equivalent remedy as required by law.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, abuse a promotion, or use the Service unlawfully. On termination your license ends, but Sections 5, 10, and 14 through 18 survive.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT FINANCIAL DATA WILL BE COMPLETE OR ACCURATE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

TO THE FULLEST EXTENT PERMITTED BY LAW, MACARONI STUDIOS LLC AND ITS OFFICERS, EMPLOYEES, AND PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR FIFTY US DOLLARS, WHICHEVER IS GREATER.

Nothing in these Terms excludes or limits liability that cannot be excluded by law, including liability for death or personal injury caused by negligence, fraud, or your statutory consumer rights.

You agree to indemnify and hold harmless Macaroni Studios LLC from claims, losses, and expenses, including reasonable legal fees, arising from your breach of these Terms or your unlawful use of the Service.

These Terms are governed by the laws of the United States and of the state in which Macaroni Studios LLC is organized, without regard to conflict-of-law rules. If you are a consumer in the European Union, United Kingdom, or another jurisdiction that grants you the protection of your local mandatory consumer law, nothing in this section deprives you of that protection, and you may bring proceedings in your local courts.

Before starting any formal dispute, please contact us at support@macaroni-studios.com so we can try to resolve it informally. EU consumers may also use the European Commission’s online dispute resolution platform.

If you downloaded the App from the Apple App Store, the following applies. These Terms are between you and Macaroni Studios LLC only, not Apple. Apple has no obligation to provide maintenance or support for the App. If the App fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any; to the maximum extent permitted by law Apple has no other warranty obligation. Apple is not responsible for addressing any claim relating to the App, including product liability, legal or regulatory compliance, or consumer protection claims, or any third-party claim that the App infringes intellectual property rights. You confirm that you are not located in a country subject to a US government embargo or designated as a terrorist-supporting country, and that you are not on any US government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. The license in Section 3 is limited to use on Apple-branded devices that you own or control, as permitted by the App Store Usage Rules.

If you downloaded the App from Google Play, the Google Play Terms of Service also apply, and Google is not a party to these Terms.

These Terms, together with the Privacy Policy and Refund Policy, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to a successor. We may update these Terms by posting a new version here with a new effective date, and we will notify you in the App of material changes. Continued use after the effective date means you accept the updated Terms.

Macaroni Studios LLC
support@macaroni-studios.com